First Savings Financial Group, Inc.

FSFG

FSFGFirst Savings Financial Group, Inc. US flag

NASDAQ Capital Market

33.98

USD

- -

238.37MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	24	25	27	29	30	28	38	49	84	181	178	112	87	70	84
+ Sales & Services Revenue	24	25	27	29	30	28	38	49	84	181	178	112	87	70	84
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	11	10	11	12	13	14	16	21	46	101	110	65	48	35	39
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-11	-10	-11	-12	-13	-14	-16	-21	-46	-101	-110	-65	-48	-35	-39
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	-6	-7	-7	-8	-6	-12	-15	-20	-47	-40	-17	-8	-15	-27
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	-6	-7	-7	-8	-6	-12	-15	-20	-47	-40	-17	-8	-15	-27
Pretax Income	6	6	7	7	8	6	12	15	20	47	40	17	8	15	27
- Income Tax Expense (Benefit)	2	1	2	2	2	-2	3	2	3	13	10	2	- -	1	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	4	5	5	7	8	9	12	17	34	30	15	8	14	23
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	3	2	1	1	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	3	2	1	1	- -	- -	- -	- -
Income (Loss) Incl. MI	4	4	5	5	7	8	9	9	15	33	29	15	8	14	23
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	-1	-1	-1	- -	- -	- -	- -	- -
Net Income, GAAP	4	4	5	5	7	8	9	11	16	33	30	15	8	14	23
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	4	5	5	7	8	9	11	16	33	30	15	8	14	23
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	1	1	1	2	2	2	2	3	2	2
EBITDA Margin (%)	3.83	4.03	4.51	4.99	4.81	5.13	3.06	2.8	2	1.03	1.3	2.19	2.93	3.37	2.67
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	17	17.33	17.08	18.6	22.37	27.76	24.48	22.21	19.25	18.48	16.65	13.75	9.41	19.29	27.54
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	0.04	0.27	0.17	0.18	0.18	0.18	0.2	0.21	0.22	0.24	0.64	0.55	0.59	- -
Depreciation Expense	1	1	1	1	1	1	1	1	2	2	2	2	3	2	2
Basic Weighted Avg Shares	6	6	7	6	6	7	7	7	7	7	7	7	7	7	- -
Basic EPS, GAAP	0.61	0.63	0.7	0.82	1.02	1.19	1.4	1.61	2.33	4.72	4.16	2.18	1.19	1.99	- -
Basic EPS from Cont Ops	0.62	0.66	0.72	0.85	1.05	1.2	1.4	1.82	2.45	4.82	4.22	2.18	1.19	1.99	- -
Diluted Weighted Avg Shares	7	7	7	7	7	7	7	7	7	7	7	7	7	7	- -
Diluted EPS, GAAP	0.59	0.62	0.66	0.78	0.98	1.14	1.32	1.53	2.27	4.68	4.12	2.15	1.19	1.98	- -
Diluted EPS from Cont Ops	0.61	0.64	0.69	0.81	1	1.14	1.32	1.73	2.39	4.78	4.18	2.15	1.19	1.98	- -

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	27	191	186	207	206	207	215	229	221	239	242	360	259	301	34
+ Cash & Cash Equivalents	27	39	22	22	28	32	37	45	44	37	36	43	31	53	32
+ ST Investments	- -	153	164	185	178	174	178	184	177	202	207	317	228	249	2
+ Accounts & Notes Receiv	2	2	2	3	3	3	3	4	5	6	6	8	10	11	11
+ Accounts Receivable, Net	2	1	1	1	1	1	2	3	3	5	4	5	8	9	9
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	1	1	1	1	1	1	2	2	2	2	3	2	2	2
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-29	-194	-189	-209	-209	-210	-218	-233	-226	-245	-249	-368	-269	-313	-45
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	10	11	15	14	14	12	11	13	19	24	28	27	28	26	25
+ Property, Plant & Equip	15	15	20	20	20	18	19	21	28	33	38	39	42	42	43
- Accumulated Depreciation	4	5	5	6	6	7	8	8	9	9	10	12	14	15	17
+ LT Investments & Receivables	118	164	174	195	192	187	188	187	180	204	209	318	229	250	253
+ LT Investments	118	164	174	195	192	187	188	187	180	204	209	318	229	250	253
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-129	-175	-189	-210	-206	-199	-199	-200	-199	-228	-236	-345	-257	-276	-278
+ Total Intangible Assets	8	10	10	10	9	9	9	12	15	37	65	78	73	13	13
+ Goodwill	6	8	8	8	8	8	8	10	10	10	10	10	10	10	10
+ Other Intangible Assets	2	2	2	2	1	1	1	2	5	27	55	68	63	3	3
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-137	-185	-199	-219	-215	-208	-208	-212	-214	-265	-301	-423	-330	-289	-291
Total Assets	537	639	660	713	750	797	891	1,034	1,223	1,765	1,721	2,094	2,289	2,450	2,400
+ Payables & Accruals	3	- -	- -	- -	- -	- -	- -	1	1	1	- -	1	9	13	5
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	1	1	1	- -	1	9	13	5
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-3	- -	- -	- -	- -	- -	- -	-1	-1	-1	- -	-1	-9	-13	-5
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-3	- -	- -	- -	- -	- -	- -	-1	-1	-1	- -	-1	-9	-13	-5
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	53	55	94	84	109	122	118	110	242	331	270	396	412	350	464
+ LT Borrowings	53	55	94	84	109	122	118	110	242	331	270	396	412	350	464
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-53	-55	-94	-84	-109	-122	-118	-110	-242	-331	-270	-396	-412	-350	-464
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-53	-55	-94	-84	-109	-122	-118	-110	-242	-331	-270	-396	-412	-350	-464
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	460	556	578	626	656	710	798	934	1,101	1,607	1,541	1,942	2,138	2,273	2,206
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	42	42	43	43	44	27	28	28	28	28	26	27	27	28	30
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	42	42	43	43	44	27	28	28	27	27	26	27	27	28	30
- Treasury Stock	2	3	3	6	6	6	6	5	5	4	4	9	12	12	12
+ Retained Earnings	36	40	43	47	53	59	68	77	91	123	150	162	166	173	192
+ Other Equity	3	6	1	4	4	6	4	- -	7	11	9	-27	-30	-11	-15
Equity Before Minority Interest	77	83	82	87	94	87	93	99	121	157	180	152	151	177	193
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -
Total Equity	77	83	82	87	94	87	93	100	121	158	180	152	151	177	193
Total Liabilities & Equity	537	639	660	713	750	797	891	1,034	1,223	1,765	1,721	2,094	2,289	2,450	2,400
Shares Outstanding	7	7	7	7	7	7	7	7	7	7	7	7	7	7	7
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	26	16	72	63	81	89	81	65	199	294	234	352	380	298	432
Net Debt to Equity	33.86	19.78	87.54	71.81	86.27	103.02	87.39	64.73	163.76	186.57	129.85	232.4	251.88	168.03	223.11
Tangible Common Equity Ratio	12.95	11.55	11.11	11.01	11.48	9.85	9.57	8.67	8.78	7.01	6.97	3.66	3.51	6.73	7.56
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	4	4	5	5	7	8	9	12	17	34	30	15	8	14	23
+ Depreciation & Amortization	1	1	1	1	1	1	1	1	2	2	2	2	3	2	2
+ Non-Cash Items	6	2	4	3	-5	2	-15	-5	-62	-181	91	132	21	66	60
+ Stock-Based Compensation	- -	1	1	1	1	1	- -	- -	- -	- -	- -	1	1	1	1
+ Deferred Income Taxes	1	- -	1	- -	- -	-2	2	- -	1	4	8	2	-1	-16	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	5	1	3	2	-6	4	-17	-5	-63	-185	83	130	21	81	59
+ Chg in Non-Cash Work Cap	- -	-3	1	-2	-4	-2	2	9	-1	5	-8	-1	1	10	-6
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	-1	-1	-1	-1	- -	-2	-2	-1	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	8	4	-8
+ Inc (Dec) in Other	- -	-2	1	-2	-4	-2	3	9	-1	7	-8	- -	-5	6	2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	11	4	11	8	-1	9	-2	18	-45	-140	115	149	33	91	79
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	2	- -	- -	- -	1	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	2	- -	- -	- -	1	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-1	-5	- -	- -	- -	- -	-2	-9	-7	-6	-1	-3	-1	-1
+ Acq of Fixed Prod Assets	-2	-1	-5	- -	- -	- -	- -	-2	-9	-7	-6	-1	-3	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-1	-1	-1	-3	- -	- -	- -	- -	- -	- -	- -	-5	-3	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-1	-1	-1	-3	- -	- -	- -	- -	- -	- -	- -	-5	-3	- -	- -
+ Net Change in LT Investment	-3	-39	-17	-16	7	4	-7	28	16	-20	-8	-158	79	-6	-14
+ Dec in LT Investment	45	38	34	25	31	23	25	78	40	18	21	56	96	9	11
+ Inc in LT Investment	-49	-77	-51	-42	-24	-19	-32	-50	-24	-38	-30	-213	-18	-15	-25
+ Net Cash From Acq & Div	- -	161	- -	- -	- -	- -	- -	7	- -	- -	-3	- -	- -	- -	- -
+ Cash from Divestitures	- -	81	- -	- -	- -	- -	- -	7	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	81	- -	- -	- -	- -	- -	- -	- -	- -	-3	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-14	-90	-28	-33	-25	-51	-71	-83	-118	-313	-39	-386	-340	-197	-23
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-19	31	-50	-50	-19	-45	-78	-50	-112	-339	-56	-544	-264	-203	-38
+ Dividends Paid	- -	- -	-2	-1	-1	-1	-1	-1	-1	-2	-2	-4	-4	-4	-4
+ Net Cash From Debt	-14	2	39	-10	25	12	- -	10	120	255	-215	113	59	-60	120
+ Cash From Debt	128	102	142	372	305	42	15	244	310	525	455	1,198	7,455	1,990	2,495
+ Repayments of Debt	-142	-100	-103	-382	-280	-30	-15	-234	-190	-270	-670	-1,085	-7,396	-2,050	-2,375
+ Other Financing Activities	38	-25	-16	56	- -	29	87	32	37	218	157	300	168	198	-177
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	24	-24	20	41	24	40	85	41	156	471	-59	404	220	133	-62
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	16	12	-18	- -	5	4	5	8	-1	-8	- -	8	-11	21	-20
EBITDA	1	1	1	1	1	1	1	1	2	2	2	2	3	2	2
EBITDA Margin (%)	3.83	4.03	4.51	4.99	4.81	5.13	3.06	2.8	2	1.03	1.3	2.19	2.93	3.37	2.67
Free Cash Flow	9	3	7	8	-1	9	-3	16	-54	-147	109	148	30	91	78
Net Cash Paid for Acquisitions	- -	-161	- -	- -	- -	- -	- -	-7	- -	- -	3	- -	- -	- -	- -
Free Cash Flow to Firm	9	3	7	8	-1	- -	-3	16	-54	-147	109	148	30	91	78
Free Cash Flow to Equity	-5	5	46	-2	24	23	-3	26	66	108	-105	261	89	31	198
Free Cash Flow per Basic Share	1.47	0.53	1.01	1.22	-0.16	1.37	-0.4	2.42	-7.8	-20.79	15.37	20.96	4.35	13.25	- -
Price/Free Cash Flow	2.7	8.39	3.18	6.57	-868.28	8.57	-69.48	8.28	-4.26	-0.98	1.66	1.1	2.84	1.78	- -
Cash Flow to Net Income	2.74	1.01	2.41	1.51	-0.08	1.18	-0.24	1.65	-2.76	-4.19	3.89	9.67	4.01	6.71	3.42
Capital Expenditures	-2	-1	-5	- -	- -	- -	- -	-2	-9	-7	-6	-1	-3	-1	-1