Investors might want to bet on First Savings Financial (FSFG) , as it has been recently upgraded to a Zacks Rank #2 (Buy). This upgrade primarily reflects an upward trend in earnings estimates, which is one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the syst ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 1-34155 First Savings Financial Group, Inc. (Exact name of registrant as specified in its charter) Indiana 37-1567871 (S ...

分组1 - First Savings Financial (FSFG) reported quarterly earnings of $0.81 per share, exceeding the Zacks Consensus Estimate of $0.72 per share, and up from $0.52 per share a year ago, representing an earnings surprise of +12.50% [1] - The company posted revenues of $21.25 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 5.17%, compared to year-ago revenues of $17.73 million [2] - Over the last four quarters, First Savings Financial has surpassed consensus EPS estimates two times and topped consensus revenue estimates three times [2] 分组2 - The stock has underperformed the market, losing about 1.9% since the beginning of the year, while the S&P 500 gained 8.1% [3] - The current consensus EPS estimate for the coming quarter is $0.80 on $21.2 million in revenues, and for the current fiscal year, it is $2.90 on $79.1 million in revenues [7] - The Zacks Industry Rank for Financial - Savings and Loan is currently in the bottom 26% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

Core Financial Performance - The company reported net income of $6.2 million, or $0.88 per diluted share, for the quarter ended June 30, 2025, compared to $4.1 million, or $0.60 per diluted share, for the same quarter in 2024, marking a significant year-over-year increase [1] - For the nine months ended June 30, 2025, net income was $17.9 million, or $2.57 per diluted share, compared to $9.9 million, or $1.45 per diluted share, for the same period in 2024 [9] Revenue and Income Analysis - Net interest income increased by $2.2 million, or 15.1%, to $16.7 million for the quarter ended June 30, 2025, driven by an increase in interest income and a decrease in interest expense [3] - Noninterest income rose by $1.3 million for the quarter ended June 30, 2025, primarily due to gains from sales of SBA loans and home equity lines of credit [5] Expense Management - Noninterest expense increased by $1.3 million for the quarter ended June 30, 2025, mainly due to higher compensation and benefits related to stronger company performance [6] - The efficiency ratio improved to 64.45% for the quarter ended June 30, 2025, compared to 70.11% for the same period in 2024, indicating better cost management [30] Asset Quality and Credit Losses - The company recognized a provision for credit losses of $347,000 for loans and $77,000 for unfunded lending commitments for the quarter ended June 30, 2025, compared to higher provisions in the same period of 2024 [4] - Nonperforming loans decreased from $16.9 million at September 30, 2024, to $15.2 million at June 30, 2025, reflecting improved asset quality [4] Capital and Equity Position - Total stockholders' equity increased by $6.7 million, from $177.1 million at September 30, 2024, to $183.8 million at June 30, 2025, primarily due to retained earnings [18] - The company maintained a "well-capitalized" status under applicable regulatory capital guidelines as of June 30, 2025 [18] Strategic Outlook - The company is optimistic about continued profitability and growth in the SBA Lending segment, with a robust lending pipeline for the fourth fiscal quarter [2] - Focus areas include customer deposit growth, selective loan growth opportunities, and prudent capital and liquidity management [2]

Group 1 - First Savings Financial Group, Inc. (FSFG) has reached a significant support level and is considered a good pick for investors from a technical perspective [1] - FSFG's 50-day simple moving average has recently broken out above its 200-day moving average, indicating a "golden cross" which suggests a potential bullish breakout [1] - The golden cross pattern typically involves a stock's short-term moving average crossing above a longer-term moving average, with the 50-day and 200-day averages being the most common [2] Group 2 - Over the past four weeks, FSFG has gained 9.6%, and currently holds a 1 (Strong Buy) rating on the Zacks Rank, indicating potential for further breakout [3] - There have been positive changes in FSFG's earnings expectations, with one upward revision and no downward changes in the last 60 days, leading to an increase in the Zacks Consensus Estimate [3] - Given the positive technical factors and the movement in earnings estimates, FSFG may present further gains for investors in the near future [5]

Group 1 - The core viewpoint of the report is that First Savings Financial Group, Inc. (NASDAQ: FSFG) is projected to have an EPS of $2.69 for the fiscal year ending in September 2025, maintaining a hold rating since the last report in November 2024 [1] Group 2 - The report does not provide any specific investment recommendations or advice regarding the suitability of investments for particular investors [2] - It emphasizes that past performance is not indicative of future results, highlighting the uncertainty in investment outcomes [2] - The authors of the report are identified as third-party analysts, which may include both professional and individual investors without formal licensing [2]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 1-34155 First Savings Financial Group, Inc. (Exact name of registrant as specified in its charter) Indiana 37-1567871 ( ...

Core Viewpoint - First Savings Financial (FSFG) shows a significantly improving earnings outlook, making it an attractive option for investors as analysts continue to raise earnings estimates for the company [1][2]. Earnings Estimate Revisions - Analysts' optimism regarding FSFG's earnings prospects is leading to higher estimates, which is expected to positively impact the stock price [2]. - The current-quarter earnings estimate is $0.72 per share, reflecting a +38.46% change from the previous year [6]. - Over the last 30 days, the Zacks Consensus Estimate for FSFG has increased by 12.5%, with one estimate moving higher and no negative revisions [6]. - For the full year, the earnings estimate stands at $2.90 per share, indicating a +70.59% change from the year-ago figure [7]. - There has been a positive trend in estimate revisions for the current year, with one estimate moving up and no negative revisions [7]. Zacks Rank and Performance - FSFG currently holds a Zacks Rank 1 (Strong Buy), indicating strong agreement among analysts in revising earnings estimates upward [8]. - The Zacks Rank system has a proven track record, with Zacks 1 Ranked stocks generating an average annual return of +25% since 2008 [3]. - Stocks with Zacks Rank 1 and 2 significantly outperform the S&P 500, suggesting a favorable investment environment for FSFG [8]. Stock Performance - The stock has gained 11.4% over the past four weeks, driven by solid estimate revisions and positive earnings growth prospects [9].

Core Viewpoint - The Company has successfully redeemed $20.0 million of high-cost subordinated notes, which is expected to enhance its net interest margin and create opportunities for future share repurchases [1][2]. Financial Summary - The subordinated notes were originally issued on September 20, 2018, with a fixed-to-floating rate of 5.95%, and prior to redemption, they yielded 7.66% [1]. - The Bank funded the redemption through a $19.0 million dividend, supported by short-term wholesale borrowings at a rate of 4.48% [1]. - As of March 31, 2025, the Bank maintained leverage and total risk-based capital ratios above 9.0% and 12.0%, respectively, which continued post-redemption as of April 30, 2025 [1]. Strategic Initiatives - The redemption of the subordinated notes is part of the Company's strategic initiatives aimed at reducing high-cost debt and potentially repurchasing common shares in the future [2]. - The Company anticipates building excess capital, which would support the share repurchase strategy if deemed accretive to earnings per share [2]. Company Overview - The Bank operates as a community bank in Jeffersonville, Indiana, with fifteen depository branches in Southern Indiana and two national lending programs [2]. - The Bank is recognized for its lending programs and aims to be the best community bank, contributing to its success [2].

Exhibit 99.1 FIRST SAVINGS FINANCIAL GROUP, INC. REPORTS FINANCIAL RESULTS FOR THE SECOND FISCAL QUARTER ENDED MARCH 31, 2025 Jeffersonville, Indiana — April 24, 2025. First Savings Financial Group, Inc. (NASDAQ: FSFG - news) (the "Company"), the holding company for First Savings Bank (the "Bank"), today reported net income of $5.5 million, or $0.79 per diluted share, for the quarter ended March 31, 2025, compared to net income of $4.9 million, or $0.72 per diluted share, for the quarter ended March 31, 202 ...