First Savings Financial Group, Inc. (FSFG) reached a significant support level, and could be a good pick for investors from a technical perspective. Recently, FSFG's 50-day simple moving average broke out above its 200-day moving average; this is known as a "golden cross."There's a reason traders love a golden cross -- it's a technical chart pattern that can indicate a bullish breakout is on the horizon. This kind of crossover is formed when a stock's short-term moving average breaks above a longer-term mov ...

In my last report on First Savings Financial Group, Inc. (NASDAQ: FSFG ) that I wrote in November 2024, I adopted a hold rating and projected an EPS of $2.69 for the fiscal year ending in September 2025. Since then, while theAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it ...

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 ( ...

First Savings Financial (FSFG) could be a solid choice for investors given the company's remarkably improving earnings outlook. While the stock has been a strong performer lately, this trend might continue since analysts are still raising their earnings estimates for the company.Analysts' growing optimism on the earnings prospects of this bank holding company is driving estimates higher, which should get reflected in its stock price. After all, empirical research shows a strong correlation between trends in ...

JEFFERSONVILLE, Ind., May 01, 2025 (GLOBE NEWSWIRE) -- First Savings Financial Group, Inc. (NASDAQ: FSFG) (the “Company”), the holding company for First Savings Bank (the “Bank”), announced today the redemption of $20.0 million of subordinated notes, at par, on April 30, 2025. The subordinated notes were issued by the Company on September 20, 2018 as a 5.95% Fixed-to-Floating Rate Subordinated Note due 2028, in the principal amount of $20.0 million. Prior to redemption, the subordinated notes were floating ...

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 ...

Core Viewpoint - First Savings Financial (FSFG) reported quarterly earnings of $0.76 per share, exceeding the Zacks Consensus Estimate of $0.55 per share, and showing an increase from $0.52 per share a year ago, representing an earnings surprise of 38.18% [1] Financial Performance - The company posted revenues of $19.55 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 6.26%, compared to $18.05 million in the same quarter last year [2] - Over the last four quarters, First Savings Financial has surpassed consensus EPS estimates two times and topped consensus revenue estimates three times [2] Stock Performance - First Savings Financial shares have declined approximately 5.1% since the beginning of the year, while the S&P 500 has decreased by 8.6% [3] - The stock is currently rated Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.64 on revenues of $19.4 million, and for the current fiscal year, it is $2.45 on revenues of $76.1 million [7] - The estimate revisions trend for First Savings Financial is mixed, and future earnings expectations will depend on management's commentary during the earnings call [4][6] Industry Context - The Financial - Savings and Loan industry is currently in the top 28% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]

Core Viewpoint - First Savings Financial Group, Inc. reported a net income increase for the quarter ended March 31, 2025, reaching $5.5 million, or $0.79 per diluted share, compared to $4.9 million, or $0.72 per diluted share, for the same quarter in 2024, indicating a positive trend in financial performance [1][9]. Financial Performance - Net interest income rose by $1.7 million, or 11.6%, to $16.0 million for the quarter ended March 31, 2025, driven by an increase in interest income and a decrease in interest expense [3][10]. - The tax equivalent net interest margin improved to 2.93% for the quarter ended March 31, 2025, up from 2.66% in the same period of 2024 [3][10]. - For the six months ended March 31, 2025, net income was $11.7 million, or $1.68 per diluted share, compared to $5.8 million, or $0.85 per diluted share, for the same period in 2024 [9][10]. Asset Quality - Nonperforming loans decreased by $4.2 million from $16.9 million at September 30, 2024, to $12.7 million at March 31, 2025, with the ratio of nonperforming loans to total gross loans improving to 0.67% [4][23]. - The company recognized a reversal of provision for credit losses for loans of $357,000 for the quarter ended March 31, 2025, compared to a provision of $713,000 for the same period in 2024 [4][11]. Noninterest Income and Expenses - Noninterest income decreased by $150,000 for the quarter ended March 31, 2025, primarily due to a decrease in other income, despite increases in service charges and net gains on sales of SBA loans [5][12]. - Noninterest expense increased by $1.9 million for the quarter ended March 31, 2025, mainly due to higher compensation and benefits and other operating expenses [6][13]. Tax and Equity - The income tax expense for the quarter ended March 31, 2025, was $589,000, down from $866,000 for the same period in 2024, reflecting greater utilization of investment tax credits [7][14]. - Total stockholders' equity increased by $2.1 million from $177.1 million at September 30, 2024, to $179.2 million at March 31, 2025, primarily due to an increase in retained net income [17].

Core Points - First Savings Financial Group, Inc. declared a quarterly cash dividend of $0.16 per common share, payable on or about March 31, 2025, to stockholders of record as of March 14, 2025 [1] Company Overview - First Savings Bank is an entrepreneurial community bank headquartered in Jeffersonville, Indiana, operating fifteen depository branches within Southern Indiana [2] - The Bank has two national lending programs focused on single-tenant net lease commercial real estate and SBA lending, primarily in the Midwest [2] - First Savings Bank is recognized as a leader in its local communities and nationally for its lending programs, with a vision to be the best community bank [2] - The Company's common shares are traded on The NASDAQ Stock Market under the symbol "FSFG" [2]

Financial Performance - Net income for the three-month period ended December 31, 2024, was $6.2 million, or $0.89 per diluted share, compared to $920,000, or $0.13 per diluted share, for the same period in 2023[193]. - Net interest income increased by $1.3 million, or 9.6%, for the three-month period ended December 31, 2024, compared to the same period in 2023[194]. - Noninterest income increased by $3.3 million for the three-month period ended December 31, 2024, primarily due to a $2.5 million net gain on the sale of loans[205]. - Noninterest expense decreased by $1.1 million for the three-month period ended December 31, 2024, compared to the same period in 2023, primarily due to reductions in compensation and benefits, occupancy and equipment, and professional fee expenses[207]. - The Company recognized an income tax expense of $848,000 for the three-month period ended December 31, 2024, compared to an income tax benefit of $476,000 for the same period in 2023, with an effective tax rate of 12.0%[208]. Balance Sheet Changes - Cash and cash equivalents increased by $24.1 million from $52.1 million at September 30, 2024, to $76.2 million at December 31, 2024[184]. - Net loans receivable decreased by $79.3 million, from $1.96 billion at September 30, 2024, to $1.88 billion at December 31, 2024, primarily due to a $87.2 million bulk sale of residential real estate home equity line of credit loans[184]. - Total deposits decreased by $48.1 million from $1.88 billion at September 30, 2024, to $1.83 billion at December 31, 2024[188]. - Stockholders' equity decreased by $1.1 million from $177.1 million at September 30, 2024, to $176.0 million at December 31, 2024[192]. - As of December 31, 2024, the Bank had cash and cash equivalents of $76.2 million and securities available-for-sale with a fair value of $241.6 million, including $130.3 million that are unpledged[209]. - As of December 31, 2024, deposits exceeding the FDIC insurance limit of $250,000 per insured account were estimated to be $570.4 million, or 31.1% of total deposits[211]. Capital and Borrowing - The Bank maintained Tier 1 capital ratio of 9.33%, common equity Tier 1 capital ratio of 11.93%, and total capital ratio of 13.01% as of December 31, 2024, all above the regulatory requirements[215]. - The Bank had the ability to borrow a total of $800.0 million from the FHLB, of which $295.0 million was borrowed and outstanding as of December 31, 2024[209]. Interest Rate Risk Management - The Company's net interest income could decrease by $2.4 million, or 3.29%, over a one-year horizon with an immediate and sustained increase in interest rates of 1.00%[226]. - An immediate and sustained decrease in rates of 1.00% would increase net interest income by $2.9 million, or 3.95% over a one-year horizon compared to a flat interest rate scenario[226]. - A 2.00% increase in interest rates would lead to a decrease in net interest income by 6.01%, while a 3.00% increase would result in an 8.68% decrease[226]. - Conversely, a 1.00% decrease in interest rates would increase net interest income by $2.9 million, or 3.95%, over the same period[226]. - The Company aims for long-term profitability while managing interest rate risk through strategies that include shortening the effective maturities of interest-earning assets[221]. - The Company relies primarily on retail deposits as a stable source of funding, which helps mitigate the effects of interest rate fluctuations[221]. - The management utilizes a Net Interest Income at Risk simulation to assess interest rate sensitivity and its impact on projected net interest income[223]. - The Company does not engage in hedging activities or high-risk derivative instruments, minimizing exposure to foreign currency exchange rate risk or commodity price risk[222]. - The Company emphasizes the origination of short-term loans to manage interest rate risk effectively[221]. Internal Controls and Compliance - The Company's management concluded that the disclosure controls and procedures were effective as of December 31, 2024, ensuring timely and accurate reporting[229]. - The internal control over financial reporting is designed to ensure reliability and compliance with U.S. GAAP[230]. - There have been no changes in internal controls over financial reporting that materially affected their effectiveness during the three months ended December 31, 2024[233]. - The Company has not engaged in any off-balance sheet transactions that are reasonably likely to have a material effect on its consolidated financial condition for the three-month period ended December 31, 2024[217].