Financial Snapshot

Revenue
$35.99M
TTM
Gross Margin
Net Earnings
$13.59M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$177.1M
Q3 2024
Cash
Q3 2024
P/E
15.43
Dec 02, 2024 EST
Free Cash Flow
$89.55M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $5.284M $5.630M $5.444M $65.26M $57.70M $51.00M $42.16M $33.92M $29.46M $27.99M $27.49M $27.18M $25.99M
YoY Change -6.15% 3.42% -91.66% 13.1% 13.15% 20.96% 24.3% 15.14% 5.25% 1.79% 1.17% 4.54%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Revenue $5.284M $5.630M $5.444M $65.26M $57.70M $51.00M $42.16M $33.92M $29.46M $27.99M $27.49M $27.18M $25.99M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.549M $2.448M $2.300M $1.900M $1.700M $1.400M $1.200M $198.0K $196.0K $909.0K $810.0K $689.0K $900.0K $1.200M $300.0K $300.0K $300.0K $300.0K
YoY Change 4.13% 6.43% 21.05% 11.76% 21.43% 16.67% 506.06% 1.02% -78.44% 12.22% 17.56% -23.44% -25.0% 300.0% 0.0% 0.0% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Interest Expense $63.93M $41.66M $10.35M $8.087M $10.54M $10.91M $6.337M $4.457M $4.167M $3.778M $3.555M $3.936M $4.675M
YoY Change 53.47% 302.62% 27.93% -23.26% -3.37% 72.1% 42.18% 6.96% 10.3% 6.27% -9.68% -15.81%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Pretax Income $14.61M $8.182M $18.82M $39.97M $46.74M $20.09M $14.76M $11.83M $5.589M $8.327M $7.467M $6.507M $5.745M $5.700M $3.400M -$200.0K -$500.0K $1.200M $600.0K
YoY Change 78.56% -56.53% -52.9% -14.5% 132.66% 36.13% 24.72% 111.72% -32.88% 11.52% 14.75% 13.26% 0.79% 67.65% -1800.0% -60.0% -141.67% 100.0%
Income Tax $1.018M $10.00K $2.378M $9.997M $12.66M $3.095M $2.422M $2.520M -$2.322M $1.576M $2.077M $1.811M $1.458M $1.700M $800.0K -$300.0K -$300.0K $400.0K $200.0K
% Of Pretax Income 6.97% 0.12% 12.63% 25.01% 27.09% 15.41% 16.41% 21.3% -41.55% 18.93% 27.82% 27.83% 25.38% 29.82% 23.53% 33.33% 33.33%
Net Earnings $13.59M $8.172M $16.44M $29.57M $33.35M $16.18M $10.90M $9.313M $7.911M $6.751M $5.390M $4.696M $4.287M $4.000M $2.600M $0.00 -$200.0K $800.0K $400.0K
YoY Change 66.32% -50.3% -44.38% -11.35% 106.18% 48.39% 17.06% 17.72% 17.18% 25.25% 14.78% 9.54% 7.18% 53.85% -100.0% -125.0% 100.0%
Net Earnings / Revenue 257.23% 145.15% 302.06% 45.31% 57.81% 31.72% 25.86% 27.46% 26.86% 24.12% 19.6% 17.28% 16.49%
Basic Earnings Per Share $1.99 $1.19 $2.33 $4.16 $4.72 $2.33 $4.83 $4.20 $3.57 $3.07 $2.46 $2.09 $1.90
Diluted Earnings Per Share $1.98 $1.19 $2.302M $4.12 $4.68 $2.27 $4.60 $3.97 $3.41 $2.93 $2.34 $1.99 $1.85 $606.1K $388.1K $0.00 -$26.32K $105.3K $52.63K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $32.06M $31.50M $33.50M $32.30M $19.20M $13.00M $11.30M $11.70M $13.80M $14.30M $14.80M $10.90M $10.40M $9.500M $9.900M $4.200M $4.400M $4.400M
YoY Change 1.78% -5.97% 3.72% 68.23% 47.69% 15.04% -3.42% -15.22% -3.5% -3.38% 35.78% 4.81% 9.47% -4.04% 135.71% -4.55% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $2.289B $2.058B $1.721B $1.765B $1.223B $1.034B $891.1M $796.5M $749.9M $713.1M $660.5M $638.9M $537.1M $508.4M $480.8M $228.9M $203.3M $206.4M
YoY Change
Accounts Payable $8.926M $1.302M $300.0K $700.0K $900.0K $700.0K $300.0K $200.0K $200.0K $200.0K $200.0K $200.0K $400.0K $400.0K $500.0K $100.0K $200.0K $100.0K
YoY Change 585.56% 334.0% -57.14% -22.22% 28.57% 133.33% 50.0% 0.0% 0.0% 0.0% 0.0% -50.0% 0.0% -20.0% 400.0% -50.0% 100.0%
Accrued Expenses $34.50M $29.18M $41.20M $50.20M $17.80M $10.10M $7.700M $6.300M $10.40M $6.200M $3.900M $4.400M $2.600M $2.500M $2.100M $1.500M $1.400M $1.200M
YoY Change 18.24% -29.18% -17.93% 182.02% 76.24% 31.17% 22.22% -39.42% 67.74% 58.97% -11.36% 69.23% 4.0% 19.05% 40.0% 7.14% 16.67%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $4.000M $1.400M $1.300M $1.300M $1.300M $1.300M $1.300M $1.300M $16.40M $16.80M $18.40M $0.00
YoY Change -100.0% 185.71% 7.69% 0.0% 0.0% 0.0% 0.0% 0.0% -92.07% -2.38% -8.7%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $43.43M $30.48M $41.50M $50.90M $18.70M $10.80M $8.000M $6.500M $10.60M $6.400M $4.100M $4.600M $3.000M $2.900M $2.600M $1.600M $1.600M $1.300M
YoY Change 42.48% -26.56% -18.47% 172.19% 73.15% 35.0% 23.08% -38.68% 65.63% 56.1% -10.87% 53.33% 3.45% 11.54% 62.5% 0.0% 23.08%
Long-Term Debt $48.44M $50.22M $19.90M $19.80M $19.70M $19.70M $0.00 $0.00 $4.600M $4.800M $5.000M $2.100M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -3.53% 152.35% 0.51% 0.51% 0.0% -100.0% -4.17% -4.0% 138.1%
Other Long-Term Liabilities $1.027M $1.207M $2.100M $177.4M $1.900M $1.200M $1.200M $1.000M $900.0K $700.0K $700.0K $600.0K $300.0K $300.0K $300.0K $400.0K $300.0K $300.0K
YoY Change -14.91% -42.52% -98.82% 9236.84% 58.33% 0.0% 20.0% 11.11% 28.57% 0.0% 16.67% 100.0% 0.0% 0.0% -25.0% 33.33% 0.0%
Total Long-Term Liabilities $49.47M $51.42M $22.00M $197.2M $21.60M $20.90M $1.200M $1.000M $5.500M $5.500M $5.700M $2.700M $300.0K $300.0K $300.0K $400.0K $300.0K $300.0K
YoY Change -3.8% 133.75% -88.84% 812.96% 3.35% 1641.67% 20.0% -81.82% 0.0% -3.51% 111.11% 800.0% 0.0% 0.0% -25.0% 33.33% 0.0%
Total Liabilities $2.138B $1.905B $1.541B $1.607B $1.102B $935.6M $798.0M $709.9M $655.6M $626.0M $578.2M $556.0M $460.5M $453.3M $427.9M $199.2M $173.7M $177.5M
YoY Change 12.22% 23.62% -4.13% 45.93% 17.73% 17.24% 12.41% 8.28% 4.73% 8.27% 3.99% 20.74% 1.59% 5.94% 114.81% 14.68% -2.14%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $209.68 Million

About First Savings Financial Group, Inc.

First Savings Financial Group, Inc. operates as a savings and loans holding company for First Savings Bank FSB, a federally chartered savings bank. The company is headquartered in Jeffersonville, Indiana. The company went IPO on 2008-10-07. The Company’s principal business activity is the ownership of the outstanding common stock of First Savings Bank. Its segments include core banking, Small Business Administration (SBA) lending, and mortgage banking. The core banking segment originates residential, commercial and consumer loans and attracts deposits from its customer base. The SBA lending segment originates loans guaranteed by the SBA, subsequently selling the guaranteed portion to outside investors. The mortgage banking segment originates residential mortgage loans and sells them in the secondary market. The Bank operates as a community-oriented financial institution, which offers traditional financial services to consumers and businesses in its primary market area. The firm provides a variety of banking services to individual and business customers through approximately 16 locations in southern Indiana.

Industry: Savings Institution, Federally Chartered Peers: CHOICEONE FINANCIAL SERVICES INC PARTNERS BANCORP PENNS WOODS BANCORP INC Richmond Mutual Bancorporation, Inc. PNC FINANCIAL SERVICES GROUP, INC.