View Future GrowthThis company has been acquiredThe company may no longer be operating, as it has been acquired. Find out why through their latest events.See Latest EventsFirst Savings Financial Group 過去の業績過去 基準チェック /46First Savings Financial Groupの収益は年間平均-23.7%の割合で減少していますが、 Banks業界の収益は年間 増加しています。収益は年間3.2% 25.2%割合で 減少しています。 First Savings Financial Groupの自己資本利益率は12%であり、純利益率は27.5%です。主要情報-23.65%収益成長率-22.57%EPS成長率Banks 業界の成長11.18%収益成長率-25.17%株主資本利益率11.97%ネット・マージン27.50%前回の決算情報30 Sep 2025最近の業績更新Reported Earnings • Dec 16Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$84.2m (up 24% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Non-performing loans: 0.77% (down from 0.85% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 18% per year, which means it is significantly lagging earnings growth.Reported Earnings • Oct 31Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$83.8m (up 23% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.お知らせ • Oct 30First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended September 30, 2025. The company recognized net charge-offs totaling $616,000 during the three months ended September 30, 2025, of which $402,000 was related to unguaranteed portions of SBA loans. During the three months ended September 30, 2024, the Company recognized net charge-offs of $304,000, of which $120,000 was related to unguaranteed portions of SBA loans.Reported Earnings • Jul 27Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$0.90 (up from US$0.60 in 3Q 2024). Revenue: US$20.8m (up 23% from 3Q 2024). Net income: US$6.17m (up 51% from 3Q 2024). Profit margin: 30% (up from 24% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.6%. Earnings per share (EPS) also surpassed analyst estimates by 19%. Revenue is expected to decline by 3.5% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 7.5%. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 25First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended June 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended June 30, 2025. The Company recognized $309,000 in net charge-offs recognized during the three months ended June 30, 2025, of which $216,000 was related to unguaranteed portions of SBA loans. During the three months ended June 30, 2024, the Company recognized net charge-offs of $105,000, of which $49,000 was related to unguaranteed portions of SBA loans.Reported Earnings • Apr 25Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$0.80 (up from US$0.72 in 2Q 2024). Revenue: US$19.8m (up 13% from 2Q 2024). Net income: US$5.50m (up 12% from 2Q 2024). Profit margin: 28% (in line with 2Q 2024). Revenue exceeded analyst estimates by 6.0%. Earnings per share (EPS) also surpassed analyst estimates by 33%. Revenue is expected to decline by 7.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.9%. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has increased by 1% per year.すべての更新を表示Recent updatesPrice Target Changed • Feb 03Price target increased by 9.7% to US$34.00Up from US$31.00, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$33.98. The company is forecast to post earnings per share of US$3.31 for next year compared to US$3.37 last year.お知らせ • Feb 03First Merchants Corporation (NasdaqGS:FRME) completed the acquisition of First Savings Financial Group, Inc. (NasdaqCM:FSFG).First Merchants Corporation (NasdaqGS:FRME) entered into a definitive merger agreement to acquire First Savings Financial Group, Inc. (NasdaqCM:FSFG) for approximately $230 million on September 24, 2025. The all-stock transaction is currently valued at approximately $241.3 million. The merger agreement provides that the common shareholders of First Savings will have the right to receive 0.85 of a share of First Merchants common stock. First Merchants expects to appoint Larry W. Myers, President and Chief Executive Officer and a Director of First Savings, to its Board of Directors in connection with the merger. First Merchants anticipates earnings per share accretion of approximately 11% in 2027 and a tangible book value earnback period of 3.0 years. Sell side termination fee is $10 million. The transaction is subject to First Savings’ shareholder approval, regulatory approvals, effectiveness of a Form S-4 registration statement, authorization for listing on the Nasdaq Global Select Market of the shares of First Merchants common stock, court approval and other customary conditions. First Merchants’ shareholder approval is not required. The Boards of Directors of both First Merchants and First Savings have approved the Merger Agreement. All regulatory and approval from the holders of First Savings Common Stock shall has been received as of October 17, 2025. The transaction is expected to close in the first quarter of 2026. On January 15, 2026, First Merchants Corporation received the non-objection of the Federal Reserve Bank of Chicago in connection with the Company’s request for a waiver of application related to its pending merger with First Savings Financial Group, Inc. First Merchants and First Savings anticipate that the Merger will become effective as of February 1, 2026, subject to satisfaction of certain customary closing conditions contained in the Merger Agreement. Stephens Inc. is serving as financial advisor to First Merchants, and Jeremy E. Hill of Dentons is serving as legal advisor. Piper Sandler & Co. is serving as financial advisor, fairness opinion provider to First Savings and will receive a fee of 1.625% of the aggregate purchase price, of which $0.4 million for opinion rendered. Victor L. Cangelosi and Thomas P. Hutton of Luse Gorman, PC is serving as legal advisor. First Merchants Corporation (NasdaqGS:FRME) completed the acquisition of First Savings Financial Group, Inc. (NasdaqCM:FSFG) on February 1, 2026.お知らせ • Jan 31+ 24 more updatesFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Value IndexFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Value IndexRecent Insider Transactions Derivative • Jan 25Insider exercised options to buy US$405k worth of stock.On the 20th of January, Lenfield Basham exercised options to buy 13k shares at a strike price of around US$24.01, costing a total of US$301k. This transaction amounted to 28% of their direct individual holding at the time of the trade. Since June 2025, Lenfield's direct individual holding has increased from 29.84k shares to 57.07k. Company insiders have collectively bought US$2.4m more than they sold, via options and on-market transactions, in the last 12 months.Reported Earnings • Dec 16Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$84.2m (up 24% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Non-performing loans: 0.77% (down from 0.85% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 18% per year, which means it is significantly lagging earnings growth.Declared Dividend • Dec 04Fourth quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 15th December 2025 Payment date: 31st December 2025 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to remain steady over the next year, which should provide adequate earnings cover for the dividend.お知らせ • Dec 02First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About December 31, 2025First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.16 per common share. The dividend will be paid on or about December 31, 2025 to stockholders of record as of the close of business December 15, 2025.Buy Or Sell Opportunity • Nov 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 18% to US$30.19. The fair value is estimated to be US$25.03, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 10% over the last 3 years. Earnings per share has grown by 27%. Revenue is forecast to decline by 15% in a year. Earnings are forecast to decline by 0.1% in the next year.Reported Earnings • Oct 31Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$83.8m (up 23% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.New Risk • Oct 30New major risk - Revenue and earnings growthEarnings have declined by 28% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.お知らせ • Oct 30First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended September 30, 2025. The company recognized net charge-offs totaling $616,000 during the three months ended September 30, 2025, of which $402,000 was related to unguaranteed portions of SBA loans. During the three months ended September 30, 2024, the Company recognized net charge-offs of $304,000, of which $120,000 was related to unguaranteed portions of SBA loans.Recent Insider Transactions Derivative • Oct 16Independent Vice Chairman of the Board exercised options to buy US$88k worth of stock.On the 14th of October, Martin Padgett exercised options to buy 3k shares at a strike price of around US$24.42, costing a total of US$73k. This transaction amounted to 24% of their direct individual holding at the time of the trade. Since December 2024, Martin's direct individual holding has increased from 9.34k shares to 12.29k. Company insiders have collectively bought US$603k more than they sold, via options and on-market transactions, in the last 12 months.Recent Insider Transactions Derivative • Oct 03Independent Director exercised options to buy US$179k worth of stock.On the 1st of October, L. Fordyce exercised options to buy 6k shares at a strike price of around US$21.99, costing a total of US$125k. This transaction amounted to 14% of their direct individual holding at the time of the trade. Since December 2024, Fordyce's direct individual holding has increased from 41.34k shares to 47.29k. Company insiders have collectively bought US$530k more than they sold, via options and on-market transactions, in the last 12 months.Board Change • Sep 26Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 8 highly experienced directors. Director Beth Keeney was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Valuation Update With 7 Day Price Move • Sep 25Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$32.46, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 11x in the Banks industry in the US. Total returns to shareholders of 55% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$27.68 per share.お知らせ • Sep 25First Merchants Corporation (NasdaqGS:FRME) entered into a definitive merger agreement to acquire First Savings Financial Group, Inc. (NasdaqCM:FSFG) for approximately $230 million.First Merchants Corporation (NasdaqGS:FRME) entered into a definitive merger agreement to acquire First Savings Financial Group, Inc. (NasdaqCM:FSFG) for approximately $230 million on September 24, 2025. The all-stock transaction is currently valued at approximately $241.3 million. The merger agreement provides that the common shareholders of First Savings will have the right to receive 0.85 of a share of First Merchants common stock. First Merchants expects to appoint Larry W. Myers, President and Chief Executive Officer and a Director of First Savings, to its Board of Directors in connection with the merger. First Merchants anticipates earnings per share accretion of approximately 11% in 2027 and a tangible book value earnback period of 3.0 years. Sell side termination fee is $10 million. The transaction is subject to First Savings’ shareholder approval, regulatory approvals, effectiveness of a Form S-4 registration statement, authorization for listing on the Nasdaq Global Select Market of the shares of First Merchants common stock and other customary conditions. First Merchants’ shareholder approval is not required. The Boards of Directors of both First Merchants and First Savings have approved the Merger Agreement. The transaction is expected to close in the first quarter of 2026. Stephens Inc. is serving as financial advisor to First Merchants, and Jeremy E. Hill of Dentons is serving as legal advisor. Piper Sandler & Co. is serving as financial advisor and fairness opinion provider to First Savings and Victor L. Cangelosi and Thomas P. Hutton of Luse Gorman, PC is serving as legal advisor.Declared Dividend • Sep 01Third quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 15th September 2025 Payment date: 30th September 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 6.7% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Aug 30First Savings Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on or About September 30, 2025On August 27, 2025, the Board of Directors of First Savings Financial Group, Inc. (Company) declared a quarterly cash dividend on the company’s outstanding shares of common stock. The dividend of $0.16 per share will be paid on or about September 30, 2025 to stockholders of record on September 15, 2025.Seeking Alpha • Jul 30First Savings Financial Group: Not Ready For An Upgrade Just YetSummary First Savings Financial Group remains a "Hold" due to ongoing balance sheet contraction, despite recent profitability improvements. Shares are attractively valued on price-to-earnings, book, and tangible book metrics, making FSFG one of the cheapest among peers. Profitability and asset quality have improved, with return on assets and equity now exceeding my minimum thresholds. However, declines in deposits and loans, plus reliance on one-time gains, prevent an upgrade—stability in the balance sheet is still needed. Read the full article on Seeking AlphaReported Earnings • Jul 27Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$0.90 (up from US$0.60 in 3Q 2024). Revenue: US$20.8m (up 23% from 3Q 2024). Net income: US$6.17m (up 51% from 3Q 2024). Profit margin: 30% (up from 24% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.6%. Earnings per share (EPS) also surpassed analyst estimates by 19%. Revenue is expected to decline by 3.5% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 7.5%. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.New Risk • Jul 25New major risk - Revenue and earnings growthEarnings have declined by 29% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.お知らせ • Jul 25First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended June 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended June 30, 2025. The Company recognized $309,000 in net charge-offs recognized during the three months ended June 30, 2025, of which $216,000 was related to unguaranteed portions of SBA loans. During the three months ended June 30, 2024, the Company recognized net charge-offs of $105,000, of which $49,000 was related to unguaranteed portions of SBA loans.お知らせ • Jun 30+ 1 more updateFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Growth IndexFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Growth IndexBuy Or Sell Opportunity • Jun 09Now 20% undervaluedOver the last 90 days, the stock has risen 5.7% to US$25.64. The fair value is estimated to be US$32.06, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 21% over the last 3 years. Earnings per share has declined by 4.5%. Revenue is forecast to decline by 7.9% in a year. Earnings are forecast to grow by 18% in the next year.Declared Dividend • Jun 01Second quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 13th June 2025 Payment date: 30th June 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 12% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • May 28First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or about June 30, 2025First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.16 per common share. The dividend will be paid on or about June 30, 2025 to stockholders of record as of the close of business June 13, 2025.Price Target Changed • May 06Price target increased by 14% to US$32.33Up from US$28.33, the current price target is an average from 3 analysts. New target price is 18% above last closing price of US$27.46. Stock is up 71% over the past year. The company is forecast to post earnings per share of US$3.17 for next year compared to US$1.99 last year.Reported Earnings • Apr 25Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$0.80 (up from US$0.72 in 2Q 2024). Revenue: US$19.8m (up 13% from 2Q 2024). Net income: US$5.50m (up 12% from 2Q 2024). Profit margin: 28% (in line with 2Q 2024). Revenue exceeded analyst estimates by 6.0%. Earnings per share (EPS) also surpassed analyst estimates by 33%. Revenue is expected to decline by 7.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.9%. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has increased by 1% per year.Buy Or Sell Opportunity • Mar 24Now 22% undervaluedThe stock has been flat over the last 90 days, currently trading at US$25.19. The fair value is estimated to be US$32.31, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 26% over the last 3 years. Earnings per share has declined by 21%. Revenue is forecast to decline by 13% in a year. Earnings are forecast to grow by 0.7% in the next year.分析記事 • Mar 07First Savings Financial Group (NASDAQ:FSFG) Has Announced That It Will Be Increasing Its Dividend To $0.16First Savings Financial Group, Inc. ( NASDAQ:FSFG ) will increase its dividend on the 31st of March to $0.16, which is...Declared Dividend • Mar 06First quarter dividend increased to US$0.16Dividend of US$0.16 is 6.7% higher than last year. Ex-date: 14th March 2025 Payment date: 31st March 2025 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 4.0% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 01First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About March 31, 2025First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.16 per common share. The dividend will be paid on or about March 31, 2025 to stockholders of record as of the close of business March 14, 2025.Major Estimate Revision • Feb 05Consensus revenue estimates fall by 12%The consensus outlook for revenues in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$71.9m to US$63.4m. EPS estimate fell from US$2.84 to US$2.73 per share. Net income forecast to grow 0.7% next year vs 13% growth forecast for Banks industry in the US. Consensus price target down from US$30.67 to US$28.33. Share price was steady at US$23.89 over the past week.Price Target Changed • Feb 04Price target decreased by 7.6% to US$28.33Down from US$30.67, the current price target is an average from 3 analysts. New target price is 19% above last closing price of US$23.89. Stock is up 39% over the past year. The company is forecast to post earnings per share of US$2.73 for next year compared to US$1.99 last year.New Risk • Jan 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.9% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Reported Earnings • Jan 29First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$0.91 (up from US$0.14 in 1Q 2024). Revenue: US$22.0m (up 34% from 1Q 2024). Net income: US$6.23m (up US$5.31m from 1Q 2024). Profit margin: 28% (up from 5.6% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 7.0%. Earnings per share (EPS) exceeded analyst estimates by 29%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 7.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.New Risk • Dec 16New major risk - Financial data availabilityThe company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. This is currently the only risk that has been identified for the company.Reported Earnings • Dec 16Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$1.99 (up from US$1.19 in FY 2023). Revenue: US$68.1m (down 19% from FY 2023). Net income: US$13.6m (up 66% from FY 2023). Profit margin: 20% (up from 9.7% in FY 2023). The increase in margin was driven by lower expenses. Net interest margin (NIM): 2.68% (down from 3.10% in FY 2023). Cost-to-income ratio: 74.9% (down from 80.6% in FY 2023). Non-performing loans: 0.85% (up from 0.78% in FY 2023). Revenue missed analyst estimates by 8.7%. Earnings per share (EPS) also missed analyst estimates by 1.5%. Revenue is forecast to grow 9.3% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.Buy Or Sell Opportunity • Dec 13Now 21% undervaluedOver the last 90 days, the stock has risen 20% to US$28.13. The fair value is estimated to be US$35.55, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 31% over the last 3 years. Earnings per share has declined by 41%. Revenue is forecast to grow by 23% in 2 years. Earnings are forecast to grow by 41% in the next 2 years.分析記事 • Dec 05First Savings Financial Group (NASDAQ:FSFG) Has Announced A Dividend Of $0.15First Savings Financial Group, Inc.'s ( NASDAQ:FSFG ) investors are due to receive a payment of $0.15 per share on 31st...Declared Dividend • Dec 04Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 16th December 2024 Payment date: 31st December 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (30% payout ratio) and is expected to be well covered in 3 years' time (22% forecast payout ratio). The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 47% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Dec 02First Savings Financial Group, Inc., Annual General Meeting, Feb 11, 2025First Savings Financial Group, Inc., Annual General Meeting, Feb 11, 2025.お知らせ • Nov 30First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or about December 31, 2024First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about December 31, 2024 to stockholders of record as of the close of business on December 16, 2024.Major Estimate Revision • Nov 01Consensus EPS estimates increase by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has improved. 2025 revenue forecast increased from US$70.7m to US$71.9m. EPS estimate increased from US$2.51 to US$2.84 per share. Net income forecast to grow 43% next year vs 12% growth forecast for Banks industry in the US. Consensus price target up from US$25.17 to US$30.00. Share price rose 4.8% to US$26.99 over the past week.Price Target Changed • Oct 29Price target increased by 15% to US$28.83Up from US$25.17, the current price target is an average from 3 analysts. New target price is 7.2% above last closing price of US$26.90. Stock is up 79% over the past year. The company is forecast to post earnings per share of US$2.94 for next year compared to US$1.99 last year.Reported Earnings • Oct 25Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$1.99 (up from US$1.19 in FY 2023). Revenue: US$67.5m (down 20% from FY 2023). Net income: US$13.6m (up 66% from FY 2023). Profit margin: 20% (up from 9.7% in FY 2023). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 8.7%. Earnings per share (EPS) also missed analyst estimates by 1.5%. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.Major Estimate Revision • Sep 25Consensus revenue estimates increase by 10%The consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast increased from US$59.6m to US$65.7m. EPS estimate unchanged from US$2.02 at last update. Banks industry in the US expected to see average net income growth of 9.8% next year. Consensus price target broadly unchanged at US$25.17. Share price was steady at US$23.80 over the past week.Recent Insider Transactions Derivative • Sep 17Independent Director exercised options to buy US$82k worth of stock.On the 10th of September, Frank Czeschin exercised options to buy 3k shares at a strike price of around US$20.41, costing a total of US$70k. This transaction amounted to 7.2% of their direct individual holding at the time of the trade. Since December 2023, Frank has owned 48.24k shares directly. Company insiders have collectively bought US$62k more than they sold, via options and on-market transactions, in the last 12 months.分析記事 • Sep 01First Savings Financial Group (NASDAQ:FSFG) Has Announced A Dividend Of $0.15The board of First Savings Financial Group, Inc. ( NASDAQ:FSFG ) has announced that it will pay a dividend of $0.15 per...Declared Dividend • Sep 01Third quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 13th September 2024 Payment date: 30th September 2024 Dividend yield will be 2.5%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 38% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Aug 29First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About September 30, 2024First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about September 30, 2024 to stockholders of record as of the close of business September 13, 2024.Major Estimate Revision • Aug 01Consensus EPS estimates increase by 20%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has improved. 2024 revenue forecast increased from US$59.0m to US$59.6m. EPS estimate increased from US$1.69 to US$2.02 per share. Net income forecast to grow 74% next year vs 8.5% growth forecast for Banks industry in the US. Consensus price target up from US$21.00 to US$25.25. Share price rose 11% to US$21.53 over the past week.Price Target Changed • Jul 31Price target increased by 20% to US$25.25Up from US$21.00, the current price target is an average from 2 analysts. New target price is 18% above last closing price of US$21.48. Stock is up 19% over the past year. The company is forecast to post earnings per share of US$2.02 for next year compared to US$1.19 last year.Reported Earnings • Jul 26Third quarter 2024 earnings: EPS and revenues exceed analyst expectationsThird quarter 2024 results: EPS: US$0.60 (up from US$0.34 in 3Q 2023). Revenue: US$17.0m (down 19% from 3Q 2023). Net income: US$4.07m (up 75% from 3Q 2023). Profit margin: 24% (up from 11% in 3Q 2023). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 2.9%. Earnings per share (EPS) also surpassed analyst estimates by 26%. Revenue is expected to decline by 5.8% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.3%. Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.分析記事 • Jun 01First Savings Financial Group (NASDAQ:FSFG) Is Due To Pay A Dividend Of $0.15First Savings Financial Group, Inc.'s ( NASDAQ:FSFG ) investors are due to receive a payment of $0.15 per share on 28th...Declared Dividend • May 31Second quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 14th June 2024 Payment date: 28th June 2024 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 49% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Apr 27First Savings Financial Group, Inc. Reports Net Charge-Offs for the Second Quarter Ended March 31, 2024First Savings Financial Group, Inc. reported net charge-offs for the second quarter ended March 31, 2024. The company recognized net charge-offs of $110,000 for the three months ended March 31, 2024.Reported Earnings • Apr 27Second quarter 2024 earnings: EPS exceeds analyst expectationsSecond quarter 2024 results: EPS: US$0.72 (up from US$0.54 in 2Q 2023). Revenue: US$17.6m (down 20% from 2Q 2023). Net income: US$4.93m (up 32% from 2Q 2023). Profit margin: 28% (up from 17% in 2Q 2023). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 60%. Revenue is expected to decline by 8.6% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.0%. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 53 percentage points per year, which is a significant difference in performance.New Risk • Apr 19New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: US$100.0m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (7.7% net profit margin). Market cap is less than US$100m (US$100.0m market cap).Board Change • Mar 14Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 5 highly experienced directors. Independent Director Troy Hanke was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Feb 29First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About March 29, 2024First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about March 29, 2024 to stockholders of record as of the close of business March 15, 2024.お知らせ • Jan 31First Savings Financial Group, Inc. Reports Net Charge-Offs for the First Quarter Ended December 31, 2023First Savings Financial Group, Inc. reported net charge-offs for the first quarter ended December 31, 2023. The company recognized net charge-offs of $9,000 for the three months ended December 31, 2023, compared to net charge-offs of $264,000 in 2022.お知らせ • Dec 16First Savings Financial Group, Inc. announced delayed annual 10-K filingOn 12/14/2023, First Savings Financial Group, Inc. announced that they will be unable to file their next 10-K by the deadline required by the SEC.Upcoming Dividend • Dec 07Upcoming dividend of US$0.14 per share at 3.7% yieldEligible shareholders must have bought the stock before 14 December 2023. Payment date: 29 December 2023. Trailing yield: 3.7%. Lower than top quartile of American dividend payers (4.8%). In line with average of industry peers (3.5%).お知らせ • Nov 29First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About December 29, 2023First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The dividend will be paid on or about December 29, 2023 to stockholders of record as of the close of business December 15, 2023.お知らせ • Nov 12First Savings Financial Group, Inc., Annual General Meeting, Feb 06, 2024First Savings Financial Group, Inc., Annual General Meeting, Feb 06, 2024.Price Target Changed • Nov 03Price target decreased by 7.4% to US$18.83Down from US$20.33, the current price target is an average from 3 analysts. New target price is 25% above last closing price of US$15.10. Stock is down 33% over the past year. The company is forecast to post earnings per share of US$2.02 for next year compared to US$1.19 last year.Reported Earnings • Nov 02Full year 2023 earnings: EPS misses analyst expectationsFull year 2023 results: EPS: US$1.19 (down from US$2.18 in FY 2022). Revenue: US$84.3m (down 24% from FY 2022). Net income: US$8.17m (down 47% from FY 2022). Profit margin: 9.7% (down from 14% in FY 2022). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 29%. Revenue is expected to decline by 6.8% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has fallen by 51% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.Upcoming Dividend • Sep 07Upcoming dividend of US$0.14 per share at 3.4% yieldEligible shareholders must have bought the stock before 14 September 2023. Payment date: 30 September 2023. Payout ratio is a comfortable 36% and this is well supported by cash flows. Trailing yield: 3.4%. Lower than top quartile of American dividend payers (4.9%). In line with average of industry peers (3.7%).お知らせ • Sep 01First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About September 30, 2023First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The dividend will be paid on or about September 30, 2023 to stockholders of record as of the close of business September 15, 2023.Major Estimate Revision • Aug 03Consensus EPS estimates fall by 23%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from US$2.17 to US$1.68 per share. Revenue forecast steady at US$63.2m. Net income forecast to grow 31% next year vs 11% decline forecast for Banks industry in the US. Consensus price target up from US$19.83 to US$20.33. Share price rose 12% to US$18.00 over the past week.お知らせ • Jul 30First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended June 30, 2023First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended June 30, 2023. The company recognized net charge-offs of $61,000 for the three months ended June 30, 2023, compared to net charge-offs of $27,000 in 2022.収支内訳First Savings Financial Group の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqCM:FSFG 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費30 Sep 25842349030 Jun 25802247031 Mar 25761946031 Dec 24741945030 Sep 24681446030 Jun 2472950031 Mar 2476756031 Dec 2381660030 Sep 2385860030 Jun 23841063031 Mar 23891166031 Dec 221011474030 Sep 221101582030 Jun 221201988031 Mar 221312095031 Dec 2115024109030 Sep 2117930128030 Jun 2121640145031 Mar 2123651150031 Dec 2020340133030 Sep 2017233115030 Jun 201342494031 Mar 201001377031 Dec 19961768030 Sep 19831656030 Jun 19681444031 Mar 19581236031 Dec 18521032030 Sep 18481128030 Jun 18441026031 Mar 18411024031 Dec 17391022030 Sep 1737921030 Jun 17341020031 Mar 17291020031 Dec 1627919030 Sep 1626819030 Jun 1625719031 Mar 1630718031 Dec 1529718030 Sep 1528718030 Jun 1528617031 Mar 15285170質の高い収益: FSFGは 高品質の収益 を持っています。利益率の向上: FSFGの現在の純利益率 (27.5%)は、昨年(19.9%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: FSFGの収益は過去 5 年間で年間23.7%減少しました。成長の加速: FSFGの過去 1 年間の収益成長率 ( 70.4% ) は、5 年間の平均 ( 年間-23.7%を上回っています。収益対業界: FSFGの過去 1 年間の収益成長率 ( 70.4% ) はBanks業界22.8%を上回りました。株主資本利益率高いROE: FSFGの 自己資本利益率 ( 12% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/02/03 16:24終値2026/01/30 00:00収益2025/09/30年間収益2025/09/30データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋First Savings Financial Group, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Michael DianaMaxim Group
Reported Earnings • Dec 16Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$84.2m (up 24% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Non-performing loans: 0.77% (down from 0.85% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 18% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Oct 31Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$83.8m (up 23% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
お知らせ • Oct 30First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended September 30, 2025. The company recognized net charge-offs totaling $616,000 during the three months ended September 30, 2025, of which $402,000 was related to unguaranteed portions of SBA loans. During the three months ended September 30, 2024, the Company recognized net charge-offs of $304,000, of which $120,000 was related to unguaranteed portions of SBA loans.
Reported Earnings • Jul 27Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$0.90 (up from US$0.60 in 3Q 2024). Revenue: US$20.8m (up 23% from 3Q 2024). Net income: US$6.17m (up 51% from 3Q 2024). Profit margin: 30% (up from 24% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.6%. Earnings per share (EPS) also surpassed analyst estimates by 19%. Revenue is expected to decline by 3.5% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 7.5%. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 25First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended June 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended June 30, 2025. The Company recognized $309,000 in net charge-offs recognized during the three months ended June 30, 2025, of which $216,000 was related to unguaranteed portions of SBA loans. During the three months ended June 30, 2024, the Company recognized net charge-offs of $105,000, of which $49,000 was related to unguaranteed portions of SBA loans.
Reported Earnings • Apr 25Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$0.80 (up from US$0.72 in 2Q 2024). Revenue: US$19.8m (up 13% from 2Q 2024). Net income: US$5.50m (up 12% from 2Q 2024). Profit margin: 28% (in line with 2Q 2024). Revenue exceeded analyst estimates by 6.0%. Earnings per share (EPS) also surpassed analyst estimates by 33%. Revenue is expected to decline by 7.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.9%. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has increased by 1% per year.
Price Target Changed • Feb 03Price target increased by 9.7% to US$34.00Up from US$31.00, the current price target is provided by 1 analyst. New target price is approximately in line with last closing price of US$33.98. The company is forecast to post earnings per share of US$3.31 for next year compared to US$3.37 last year.
お知らせ • Feb 03First Merchants Corporation (NasdaqGS:FRME) completed the acquisition of First Savings Financial Group, Inc. (NasdaqCM:FSFG).First Merchants Corporation (NasdaqGS:FRME) entered into a definitive merger agreement to acquire First Savings Financial Group, Inc. (NasdaqCM:FSFG) for approximately $230 million on September 24, 2025. The all-stock transaction is currently valued at approximately $241.3 million. The merger agreement provides that the common shareholders of First Savings will have the right to receive 0.85 of a share of First Merchants common stock. First Merchants expects to appoint Larry W. Myers, President and Chief Executive Officer and a Director of First Savings, to its Board of Directors in connection with the merger. First Merchants anticipates earnings per share accretion of approximately 11% in 2027 and a tangible book value earnback period of 3.0 years. Sell side termination fee is $10 million. The transaction is subject to First Savings’ shareholder approval, regulatory approvals, effectiveness of a Form S-4 registration statement, authorization for listing on the Nasdaq Global Select Market of the shares of First Merchants common stock, court approval and other customary conditions. First Merchants’ shareholder approval is not required. The Boards of Directors of both First Merchants and First Savings have approved the Merger Agreement. All regulatory and approval from the holders of First Savings Common Stock shall has been received as of October 17, 2025. The transaction is expected to close in the first quarter of 2026. On January 15, 2026, First Merchants Corporation received the non-objection of the Federal Reserve Bank of Chicago in connection with the Company’s request for a waiver of application related to its pending merger with First Savings Financial Group, Inc. First Merchants and First Savings anticipate that the Merger will become effective as of February 1, 2026, subject to satisfaction of certain customary closing conditions contained in the Merger Agreement. Stephens Inc. is serving as financial advisor to First Merchants, and Jeremy E. Hill of Dentons is serving as legal advisor. Piper Sandler & Co. is serving as financial advisor, fairness opinion provider to First Savings and will receive a fee of 1.625% of the aggregate purchase price, of which $0.4 million for opinion rendered. Victor L. Cangelosi and Thomas P. Hutton of Luse Gorman, PC is serving as legal advisor. First Merchants Corporation (NasdaqGS:FRME) completed the acquisition of First Savings Financial Group, Inc. (NasdaqCM:FSFG) on February 1, 2026.
お知らせ • Jan 31+ 24 more updatesFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Value IndexFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Value Index
Recent Insider Transactions Derivative • Jan 25Insider exercised options to buy US$405k worth of stock.On the 20th of January, Lenfield Basham exercised options to buy 13k shares at a strike price of around US$24.01, costing a total of US$301k. This transaction amounted to 28% of their direct individual holding at the time of the trade. Since June 2025, Lenfield's direct individual holding has increased from 29.84k shares to 57.07k. Company insiders have collectively bought US$2.4m more than they sold, via options and on-market transactions, in the last 12 months.
Reported Earnings • Dec 16Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$84.2m (up 24% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Non-performing loans: 0.77% (down from 0.85% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 18% per year, which means it is significantly lagging earnings growth.
Declared Dividend • Dec 04Fourth quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 15th December 2025 Payment date: 31st December 2025 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to remain steady over the next year, which should provide adequate earnings cover for the dividend.
お知らせ • Dec 02First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About December 31, 2025First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.16 per common share. The dividend will be paid on or about December 31, 2025 to stockholders of record as of the close of business December 15, 2025.
Buy Or Sell Opportunity • Nov 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 18% to US$30.19. The fair value is estimated to be US$25.03, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has declined by 10% over the last 3 years. Earnings per share has grown by 27%. Revenue is forecast to decline by 15% in a year. Earnings are forecast to decline by 0.1% in the next year.
Reported Earnings • Oct 31Full year 2025 earnings: EPS and revenues miss analyst expectationsFull year 2025 results: EPS: US$3.37 (up from US$1.99 in FY 2024). Revenue: US$83.8m (up 23% from FY 2024). Net income: US$23.2m (up 70% from FY 2024). Profit margin: 28% (up from 20% in FY 2024). The increase in margin was driven by higher revenue. Net interest margin (NIM): 2.94% (up from 2.68% in FY 2024). Cost-to-income ratio: 68.1% (down from 74.9% in FY 2024). Revenue missed analyst estimates by 3.4%. Earnings per share (EPS) also missed analyst estimates by 2.8%. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
New Risk • Oct 30New major risk - Revenue and earnings growthEarnings have declined by 28% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
お知らせ • Oct 30First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended September 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended September 30, 2025. The company recognized net charge-offs totaling $616,000 during the three months ended September 30, 2025, of which $402,000 was related to unguaranteed portions of SBA loans. During the three months ended September 30, 2024, the Company recognized net charge-offs of $304,000, of which $120,000 was related to unguaranteed portions of SBA loans.
Recent Insider Transactions Derivative • Oct 16Independent Vice Chairman of the Board exercised options to buy US$88k worth of stock.On the 14th of October, Martin Padgett exercised options to buy 3k shares at a strike price of around US$24.42, costing a total of US$73k. This transaction amounted to 24% of their direct individual holding at the time of the trade. Since December 2024, Martin's direct individual holding has increased from 9.34k shares to 12.29k. Company insiders have collectively bought US$603k more than they sold, via options and on-market transactions, in the last 12 months.
Recent Insider Transactions Derivative • Oct 03Independent Director exercised options to buy US$179k worth of stock.On the 1st of October, L. Fordyce exercised options to buy 6k shares at a strike price of around US$21.99, costing a total of US$125k. This transaction amounted to 14% of their direct individual holding at the time of the trade. Since December 2024, Fordyce's direct individual holding has increased from 41.34k shares to 47.29k. Company insiders have collectively bought US$530k more than they sold, via options and on-market transactions, in the last 12 months.
Board Change • Sep 26Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 2 experienced directors. 8 highly experienced directors. Director Beth Keeney was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Valuation Update With 7 Day Price Move • Sep 25Investor sentiment improves as stock rises 17%After last week's 17% share price gain to US$32.46, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 11x in the Banks industry in the US. Total returns to shareholders of 55% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$27.68 per share.
お知らせ • Sep 25First Merchants Corporation (NasdaqGS:FRME) entered into a definitive merger agreement to acquire First Savings Financial Group, Inc. (NasdaqCM:FSFG) for approximately $230 million.First Merchants Corporation (NasdaqGS:FRME) entered into a definitive merger agreement to acquire First Savings Financial Group, Inc. (NasdaqCM:FSFG) for approximately $230 million on September 24, 2025. The all-stock transaction is currently valued at approximately $241.3 million. The merger agreement provides that the common shareholders of First Savings will have the right to receive 0.85 of a share of First Merchants common stock. First Merchants expects to appoint Larry W. Myers, President and Chief Executive Officer and a Director of First Savings, to its Board of Directors in connection with the merger. First Merchants anticipates earnings per share accretion of approximately 11% in 2027 and a tangible book value earnback period of 3.0 years. Sell side termination fee is $10 million. The transaction is subject to First Savings’ shareholder approval, regulatory approvals, effectiveness of a Form S-4 registration statement, authorization for listing on the Nasdaq Global Select Market of the shares of First Merchants common stock and other customary conditions. First Merchants’ shareholder approval is not required. The Boards of Directors of both First Merchants and First Savings have approved the Merger Agreement. The transaction is expected to close in the first quarter of 2026. Stephens Inc. is serving as financial advisor to First Merchants, and Jeremy E. Hill of Dentons is serving as legal advisor. Piper Sandler & Co. is serving as financial advisor and fairness opinion provider to First Savings and Victor L. Cangelosi and Thomas P. Hutton of Luse Gorman, PC is serving as legal advisor.
Declared Dividend • Sep 01Third quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 15th September 2025 Payment date: 30th September 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 6.7% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Aug 30First Savings Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on or About September 30, 2025On August 27, 2025, the Board of Directors of First Savings Financial Group, Inc. (Company) declared a quarterly cash dividend on the company’s outstanding shares of common stock. The dividend of $0.16 per share will be paid on or about September 30, 2025 to stockholders of record on September 15, 2025.
Seeking Alpha • Jul 30First Savings Financial Group: Not Ready For An Upgrade Just YetSummary First Savings Financial Group remains a "Hold" due to ongoing balance sheet contraction, despite recent profitability improvements. Shares are attractively valued on price-to-earnings, book, and tangible book metrics, making FSFG one of the cheapest among peers. Profitability and asset quality have improved, with return on assets and equity now exceeding my minimum thresholds. However, declines in deposits and loans, plus reliance on one-time gains, prevent an upgrade—stability in the balance sheet is still needed. Read the full article on Seeking Alpha
Reported Earnings • Jul 27Third quarter 2025 earnings: EPS and revenues exceed analyst expectationsThird quarter 2025 results: EPS: US$0.90 (up from US$0.60 in 3Q 2024). Revenue: US$20.8m (up 23% from 3Q 2024). Net income: US$6.17m (up 51% from 3Q 2024). Profit margin: 30% (up from 24% in 3Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.6%. Earnings per share (EPS) also surpassed analyst estimates by 19%. Revenue is expected to decline by 3.5% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 7.5%. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
New Risk • Jul 25New major risk - Revenue and earnings growthEarnings have declined by 29% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
お知らせ • Jul 25First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended June 30, 2025First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended June 30, 2025. The Company recognized $309,000 in net charge-offs recognized during the three months ended June 30, 2025, of which $216,000 was related to unguaranteed portions of SBA loans. During the three months ended June 30, 2024, the Company recognized net charge-offs of $105,000, of which $49,000 was related to unguaranteed portions of SBA loans.
お知らせ • Jun 30+ 1 more updateFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Growth IndexFirst Savings Financial Group, Inc.(NasdaqCM:FSFG) dropped from Russell 3000E Growth Index
Buy Or Sell Opportunity • Jun 09Now 20% undervaluedOver the last 90 days, the stock has risen 5.7% to US$25.64. The fair value is estimated to be US$32.06, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 21% over the last 3 years. Earnings per share has declined by 4.5%. Revenue is forecast to decline by 7.9% in a year. Earnings are forecast to grow by 18% in the next year.
Declared Dividend • Jun 01Second quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 13th June 2025 Payment date: 30th June 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 12% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 28First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or about June 30, 2025First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.16 per common share. The dividend will be paid on or about June 30, 2025 to stockholders of record as of the close of business June 13, 2025.
Price Target Changed • May 06Price target increased by 14% to US$32.33Up from US$28.33, the current price target is an average from 3 analysts. New target price is 18% above last closing price of US$27.46. Stock is up 71% over the past year. The company is forecast to post earnings per share of US$3.17 for next year compared to US$1.99 last year.
Reported Earnings • Apr 25Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$0.80 (up from US$0.72 in 2Q 2024). Revenue: US$19.8m (up 13% from 2Q 2024). Net income: US$5.50m (up 12% from 2Q 2024). Profit margin: 28% (in line with 2Q 2024). Revenue exceeded analyst estimates by 6.0%. Earnings per share (EPS) also surpassed analyst estimates by 33%. Revenue is expected to decline by 7.7% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.9%. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has increased by 1% per year.
Buy Or Sell Opportunity • Mar 24Now 22% undervaluedThe stock has been flat over the last 90 days, currently trading at US$25.19. The fair value is estimated to be US$32.31, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 26% over the last 3 years. Earnings per share has declined by 21%. Revenue is forecast to decline by 13% in a year. Earnings are forecast to grow by 0.7% in the next year.
分析記事 • Mar 07First Savings Financial Group (NASDAQ:FSFG) Has Announced That It Will Be Increasing Its Dividend To $0.16First Savings Financial Group, Inc. ( NASDAQ:FSFG ) will increase its dividend on the 31st of March to $0.16, which is...
Declared Dividend • Mar 06First quarter dividend increased to US$0.16Dividend of US$0.16 is 6.7% higher than last year. Ex-date: 14th March 2025 Payment date: 31st March 2025 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 4.0% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 01First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About March 31, 2025First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.16 per common share. The dividend will be paid on or about March 31, 2025 to stockholders of record as of the close of business March 14, 2025.
Major Estimate Revision • Feb 05Consensus revenue estimates fall by 12%The consensus outlook for revenues in fiscal year 2025 has deteriorated. 2025 revenue forecast decreased from US$71.9m to US$63.4m. EPS estimate fell from US$2.84 to US$2.73 per share. Net income forecast to grow 0.7% next year vs 13% growth forecast for Banks industry in the US. Consensus price target down from US$30.67 to US$28.33. Share price was steady at US$23.89 over the past week.
Price Target Changed • Feb 04Price target decreased by 7.6% to US$28.33Down from US$30.67, the current price target is an average from 3 analysts. New target price is 19% above last closing price of US$23.89. Stock is up 39% over the past year. The company is forecast to post earnings per share of US$2.73 for next year compared to US$1.99 last year.
New Risk • Jan 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.9% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Reported Earnings • Jan 29First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$0.91 (up from US$0.14 in 1Q 2024). Revenue: US$22.0m (up 34% from 1Q 2024). Net income: US$6.23m (up US$5.31m from 1Q 2024). Profit margin: 28% (up from 5.6% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 7.0%. Earnings per share (EPS) exceeded analyst estimates by 29%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 7.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.
New Risk • Dec 16New major risk - Financial data availabilityThe company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. This is currently the only risk that has been identified for the company.
Reported Earnings • Dec 16Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$1.99 (up from US$1.19 in FY 2023). Revenue: US$68.1m (down 19% from FY 2023). Net income: US$13.6m (up 66% from FY 2023). Profit margin: 20% (up from 9.7% in FY 2023). The increase in margin was driven by lower expenses. Net interest margin (NIM): 2.68% (down from 3.10% in FY 2023). Cost-to-income ratio: 74.9% (down from 80.6% in FY 2023). Non-performing loans: 0.85% (up from 0.78% in FY 2023). Revenue missed analyst estimates by 8.7%. Earnings per share (EPS) also missed analyst estimates by 1.5%. Revenue is forecast to grow 9.3% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.
Buy Or Sell Opportunity • Dec 13Now 21% undervaluedOver the last 90 days, the stock has risen 20% to US$28.13. The fair value is estimated to be US$35.55, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 31% over the last 3 years. Earnings per share has declined by 41%. Revenue is forecast to grow by 23% in 2 years. Earnings are forecast to grow by 41% in the next 2 years.
分析記事 • Dec 05First Savings Financial Group (NASDAQ:FSFG) Has Announced A Dividend Of $0.15First Savings Financial Group, Inc.'s ( NASDAQ:FSFG ) investors are due to receive a payment of $0.15 per share on 31st...
Declared Dividend • Dec 04Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 16th December 2024 Payment date: 31st December 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (30% payout ratio) and is expected to be well covered in 3 years' time (22% forecast payout ratio). The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 47% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Dec 02First Savings Financial Group, Inc., Annual General Meeting, Feb 11, 2025First Savings Financial Group, Inc., Annual General Meeting, Feb 11, 2025.
お知らせ • Nov 30First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or about December 31, 2024First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about December 31, 2024 to stockholders of record as of the close of business on December 16, 2024.
Major Estimate Revision • Nov 01Consensus EPS estimates increase by 13%The consensus outlook for earnings per share (EPS) in fiscal year 2025 has improved. 2025 revenue forecast increased from US$70.7m to US$71.9m. EPS estimate increased from US$2.51 to US$2.84 per share. Net income forecast to grow 43% next year vs 12% growth forecast for Banks industry in the US. Consensus price target up from US$25.17 to US$30.00. Share price rose 4.8% to US$26.99 over the past week.
Price Target Changed • Oct 29Price target increased by 15% to US$28.83Up from US$25.17, the current price target is an average from 3 analysts. New target price is 7.2% above last closing price of US$26.90. Stock is up 79% over the past year. The company is forecast to post earnings per share of US$2.94 for next year compared to US$1.99 last year.
Reported Earnings • Oct 25Full year 2024 earnings: EPS and revenues miss analyst expectationsFull year 2024 results: EPS: US$1.99 (up from US$1.19 in FY 2023). Revenue: US$67.5m (down 20% from FY 2023). Net income: US$13.6m (up 66% from FY 2023). Profit margin: 20% (up from 9.7% in FY 2023). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 8.7%. Earnings per share (EPS) also missed analyst estimates by 1.5%. Over the last 3 years on average, earnings per share has fallen by 41% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings.
Major Estimate Revision • Sep 25Consensus revenue estimates increase by 10%The consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast increased from US$59.6m to US$65.7m. EPS estimate unchanged from US$2.02 at last update. Banks industry in the US expected to see average net income growth of 9.8% next year. Consensus price target broadly unchanged at US$25.17. Share price was steady at US$23.80 over the past week.
Recent Insider Transactions Derivative • Sep 17Independent Director exercised options to buy US$82k worth of stock.On the 10th of September, Frank Czeschin exercised options to buy 3k shares at a strike price of around US$20.41, costing a total of US$70k. This transaction amounted to 7.2% of their direct individual holding at the time of the trade. Since December 2023, Frank has owned 48.24k shares directly. Company insiders have collectively bought US$62k more than they sold, via options and on-market transactions, in the last 12 months.
分析記事 • Sep 01First Savings Financial Group (NASDAQ:FSFG) Has Announced A Dividend Of $0.15The board of First Savings Financial Group, Inc. ( NASDAQ:FSFG ) has announced that it will pay a dividend of $0.15 per...
Declared Dividend • Sep 01Third quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 13th September 2024 Payment date: 30th September 2024 Dividend yield will be 2.5%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 38% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Aug 29First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About September 30, 2024First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about September 30, 2024 to stockholders of record as of the close of business September 13, 2024.
Major Estimate Revision • Aug 01Consensus EPS estimates increase by 20%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has improved. 2024 revenue forecast increased from US$59.0m to US$59.6m. EPS estimate increased from US$1.69 to US$2.02 per share. Net income forecast to grow 74% next year vs 8.5% growth forecast for Banks industry in the US. Consensus price target up from US$21.00 to US$25.25. Share price rose 11% to US$21.53 over the past week.
Price Target Changed • Jul 31Price target increased by 20% to US$25.25Up from US$21.00, the current price target is an average from 2 analysts. New target price is 18% above last closing price of US$21.48. Stock is up 19% over the past year. The company is forecast to post earnings per share of US$2.02 for next year compared to US$1.19 last year.
Reported Earnings • Jul 26Third quarter 2024 earnings: EPS and revenues exceed analyst expectationsThird quarter 2024 results: EPS: US$0.60 (up from US$0.34 in 3Q 2023). Revenue: US$17.0m (down 19% from 3Q 2023). Net income: US$4.07m (up 75% from 3Q 2023). Profit margin: 24% (up from 11% in 3Q 2023). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 2.9%. Earnings per share (EPS) also surpassed analyst estimates by 26%. Revenue is expected to decline by 5.8% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.3%. Over the last 3 years on average, earnings per share has fallen by 55% per year but the company’s share price has only fallen by 7% per year, which means it has not declined as severely as earnings.
分析記事 • Jun 01First Savings Financial Group (NASDAQ:FSFG) Is Due To Pay A Dividend Of $0.15First Savings Financial Group, Inc.'s ( NASDAQ:FSFG ) investors are due to receive a payment of $0.15 per share on 28th...
Declared Dividend • May 31Second quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 14th June 2024 Payment date: 28th June 2024 Dividend yield will be 3.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 16% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 49% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Apr 27First Savings Financial Group, Inc. Reports Net Charge-Offs for the Second Quarter Ended March 31, 2024First Savings Financial Group, Inc. reported net charge-offs for the second quarter ended March 31, 2024. The company recognized net charge-offs of $110,000 for the three months ended March 31, 2024.
Reported Earnings • Apr 27Second quarter 2024 earnings: EPS exceeds analyst expectationsSecond quarter 2024 results: EPS: US$0.72 (up from US$0.54 in 2Q 2023). Revenue: US$17.6m (down 20% from 2Q 2023). Net income: US$4.93m (up 32% from 2Q 2023). Profit margin: 28% (up from 17% in 2Q 2023). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 60%. Revenue is expected to decline by 8.6% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.0%. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 53 percentage points per year, which is a significant difference in performance.
New Risk • Apr 19New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: US$100.0m This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (7.7% net profit margin). Market cap is less than US$100m (US$100.0m market cap).
Board Change • Mar 14Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 5 highly experienced directors. Independent Director Troy Hanke was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 29First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About March 29, 2024First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about March 29, 2024 to stockholders of record as of the close of business March 15, 2024.
お知らせ • Jan 31First Savings Financial Group, Inc. Reports Net Charge-Offs for the First Quarter Ended December 31, 2023First Savings Financial Group, Inc. reported net charge-offs for the first quarter ended December 31, 2023. The company recognized net charge-offs of $9,000 for the three months ended December 31, 2023, compared to net charge-offs of $264,000 in 2022.
お知らせ • Dec 16First Savings Financial Group, Inc. announced delayed annual 10-K filingOn 12/14/2023, First Savings Financial Group, Inc. announced that they will be unable to file their next 10-K by the deadline required by the SEC.
Upcoming Dividend • Dec 07Upcoming dividend of US$0.14 per share at 3.7% yieldEligible shareholders must have bought the stock before 14 December 2023. Payment date: 29 December 2023. Trailing yield: 3.7%. Lower than top quartile of American dividend payers (4.8%). In line with average of industry peers (3.5%).
お知らせ • Nov 29First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About December 29, 2023First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The dividend will be paid on or about December 29, 2023 to stockholders of record as of the close of business December 15, 2023.
お知らせ • Nov 12First Savings Financial Group, Inc., Annual General Meeting, Feb 06, 2024First Savings Financial Group, Inc., Annual General Meeting, Feb 06, 2024.
Price Target Changed • Nov 03Price target decreased by 7.4% to US$18.83Down from US$20.33, the current price target is an average from 3 analysts. New target price is 25% above last closing price of US$15.10. Stock is down 33% over the past year. The company is forecast to post earnings per share of US$2.02 for next year compared to US$1.19 last year.
Reported Earnings • Nov 02Full year 2023 earnings: EPS misses analyst expectationsFull year 2023 results: EPS: US$1.19 (down from US$2.18 in FY 2022). Revenue: US$84.3m (down 24% from FY 2022). Net income: US$8.17m (down 47% from FY 2022). Profit margin: 9.7% (down from 14% in FY 2022). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 29%. Revenue is expected to decline by 6.8% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 4.4%. Over the last 3 years on average, earnings per share has fallen by 51% per year but the company’s share price has only fallen by 9% per year, which means it has not declined as severely as earnings.
Upcoming Dividend • Sep 07Upcoming dividend of US$0.14 per share at 3.4% yieldEligible shareholders must have bought the stock before 14 September 2023. Payment date: 30 September 2023. Payout ratio is a comfortable 36% and this is well supported by cash flows. Trailing yield: 3.4%. Lower than top quartile of American dividend payers (4.9%). In line with average of industry peers (3.7%).
お知らせ • Sep 01First Savings Financial Group, Inc. Announces Quarterly Cash Dividend, Payable on or About September 30, 2023First Savings Financial Group, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.14 per common share. The dividend will be paid on or about September 30, 2023 to stockholders of record as of the close of business September 15, 2023.
Major Estimate Revision • Aug 03Consensus EPS estimates fall by 23%The consensus outlook for fiscal year 2023 has been updated. 2023 EPS estimate fell from US$2.17 to US$1.68 per share. Revenue forecast steady at US$63.2m. Net income forecast to grow 31% next year vs 11% decline forecast for Banks industry in the US. Consensus price target up from US$19.83 to US$20.33. Share price rose 12% to US$18.00 over the past week.
お知らせ • Jul 30First Savings Financial Group, Inc. Reports Net Charge-Offs for the Third Quarter Ended June 30, 2023First Savings Financial Group, Inc. reported net charge-offs for the third quarter ended June 30, 2023. The company recognized net charge-offs of $61,000 for the three months ended June 30, 2023, compared to net charge-offs of $27,000 in 2022.