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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.Q3 2025 earnings summary23 Jul, 2025
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.
Drivers of SBA segment profitability
Long-term funding strategy given deposit shifts
Strategic rationale for HELOC sales program
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Next First Savings Financial Group earnings date
Q4 202531 Oct, 2025
Next First Savings Financial Group earnings date
Q4 202531 Oct, 2025
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Frequently asked questions
First Savings Financial Group, Inc. operates as the holding company for First Savings Bank, which provides a range of financial services to individuals and businesses. The company's services include personal and commercial banking, mortgage lending, and wealth management solutions. It offers various deposit products such as checking, savings, and money market accounts, as well as certificates of deposit. On the lending side, the company provides residential and commercial real estate loans, construction loans, and consumer loans. First Savings Financial Group primarily serves customers in Indiana and Kentucky. The company is headquartered in Jeffersonville, Indiana, and its shares are listed on the NASDAQ.
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