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First Savings Financial Group (FSFG) investor relations material
First Savings Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for the quarter ended June 30, 2025 was $6.2 million ($0.88 per diluted share), up from $4.1 million ($0.60 per diluted share) year-over-year; adjusted net income was $5.7 million ($0.81 per diluted share).
Net income for the nine months ended June 30, 2025 was $17.9 million ($2.57 per diluted share), compared to $9.9 million ($1.45 per diluted share) for the same period in 2024.
Net interest income increased 15.1% for the quarter and 12.1% for the nine-month period year-over-year.
Noninterest income rose significantly, driven by gains on sales of home equity lines of credit, SBA loans, and a lease termination.
The company remains well-capitalized, focused on deposit growth, asset quality, and capital management.
Financial highlights
Net interest income for the quarter was $16.7 million, up from $14.5 million year-over-year; nine-month net interest income was $48.2 million, up from $43.0 million.
Tax-equivalent net interest margin for the quarter was 2.99% (up from 2.67%); for the nine months, 2.89% (up from 2.67%).
Noninterest expense increased $1.3 million for the quarter, primarily due to higher compensation and benefits.
Total assets at June 30, 2025 were $2.42 billion; stockholders' equity was $183.8 million, up $6.7 million from September 30, 2024.
Adjusted net income for the nine months was $15.1 million ($2.16 per diluted share), up from $9.4 million ($1.37 per diluted share) year-over-year.
Outlook and guidance
Management expects continued focus on core banking, SBA lending, and further net interest margin expansion.
The SBA Lending pipeline for Q4 remains strong, with additional HELOC sales and stable asset quality anticipated.
The company remains vigilant regarding liquidity, capital adequacy, and regulatory compliance.
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