First Savings Financial Group, Inc.
FSFGFinancials · Savings Institution, Federally Chartered · IN · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $5.8M | $5.3M | $5.6M | $5.4M | $4.6M | $4.1M |
| Operating income | — | — | — | — | — | — |
| Net income | $23.2M | $13.6M | $8.2M | $15.4M | $29.6M | $33.4M |
| Total assets | $2.40B | $2.45B | $2.29B | $2.09B | $1.72B | $1.76B |
| Total liabilities | $2.21B | $2.27B | $2.14B | $1.94B | $1.54B | $1.61B |
| Equity | $193.5M | $177.1M | $151.0M | $151.6M | $180.4M | $157.3M |
| EPS (diluted) | $0.79 | $0.72 | $0.54 | $0.98 | $0.60 | $1.39 |
| Shares out. | 7.0M | 6.9M | 6.9M | 7.0M | 7.2M | 2.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 397.3%
- Return on equity
- 12.0%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.9%
- Debt / equity
- 11.40×
- Book value / share
- $27.58
- Revenue growth (YoY)
- 10.3%
- Net income growth (YoY)
- 70.4%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −2.3%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Feb 10, 2026
- NT 10-Kmissed a reporting deadline ↗Dec 14, 2023
- NT 10-Qmissed a reporting deadline ↗May 11, 2020
- NT 10-Kmissed a reporting deadline ↗Jan 2, 2013
- NT 10-Kmissed a reporting deadline ↗Dec 28, 2009
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Fj Capital Management LlcPassive (13G)Nov 12, 2025
- First Savings Bank Profit Sharing/401(K) PlanPassive (13G)Feb 10, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Jan 30, 2026 | 54,018 | 2.4 | -15.4% |
| Jan 15, 2026 | 63,818 | 5.9 | -9.4% |
| Dec 31, 2025 | 70,426 | 3.8 | -2.5% |
| Dec 15, 2025 | 72,255 | 4.8 | +30.4% |
| Nov 28, 2025 | 55,422 | 5.9 | -22.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteDec 19, 2025
- Other material eventDec 2, 2025
- Results of operationsOct 30, 2025
- Entered a material agreement · Regulation FD disclosure · Other material eventSep 25, 2025
- Other material eventAug 29, 2025
- Other material eventMay 28, 2025
- Other material eventMay 2, 2025
- Results of operationsApr 28, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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