First Savings Financial Group, Inc. (FSFG) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Net Interest Income | 16.56M | 16.31M | 15.48M | 14.97M | 14.61M | 14.02M | 13.84M | 14.04M | 15.11M | 14.44M | 14.55M | 16.04M | 16.56M | 15.74M | 13.87M | 13.75M | 14.28M | 14.07M | 14.61M | 13.63M |
| NII Growth % | 13.35% | 16.37% | 11.86% | 6.62% | -3.32% | -2.96% | -4.87% | -12.48% | -8.77% | -8.26% | 4.91% | 16.63% | 15.98% | 11.9% | -5.1% | 0.9% | -2.5% | 17.16% | 37.6% | 28.21% |
| Net Interest Margin % | 0.69% | 0.67% | 0.65% | 0.63% | 0.6% | 0.59% | 0.59% | 0.61% | 0.66% | 0.64% | 0.65% | 0.73% | 0.79% | 0.78% | 0.77% | 0.78% | 0.83% | 0.8% | 0.83% | 0.73% |
| Interest Income | 31.72M | 31.55M | 30.31M | 31.96M | 31.75M | 30.57M | 29.52M | 28.58M | 27.71M | 26.38M | 24.45M | 23.48M | 20.69M | 18.31M | 15.8M | 15.76M | 16.24M | 15.99M | 16.67M | 16.03M |
| Interest Expense | 15.16M | 15.24M | 14.83M | 16.99M | 17.15M | 16.56M | 15.68M | 14.54M | 12.6M | 11.93M | 9.9M | 7.22M | 4.13M | 2.57M | 1.79M | 1.86M | 1.82M | 1.92M | 2.06M | 2.29M |
| Loan Loss Provision | 595K | 424K | -234K | -451K | 1.57M | 659K | 454K | 412K | 815K | 441K | 372K | 984K | 880K | 532K | -30K | 526K | 8K | -2.73M | 287K | 668K |
| Non-Interest Income | 5.24M | 4.93M | 4.07M | 6.55M | 3.43M | 3.63M | 4.07M | 2.86M | 5.85M | 7.62M | 7.85M | 5.19M | 4.8M | 10.2M | 20.07M | 16.59M | 16.5M | 18.94M | 39.07M | 46.18M |
| Non-Interest Income % | 14.18% | 13.53% | 11.84% | 17.01% | 9.76% | 10.61% | 12.11% | 9.08% | 17.43% | 22.41% | 24.31% | 18.09% | 18.82% | 35.78% | 55.95% | 51.28% | 50.38% | 54.22% | 70.09% | 74.24% |
| Total Revenue | 36.96M | 36.48M | 34.38M | 38.51M | 35.19M | 34.2M | 33.58M | 31.44M | 33.56M | 33.99M | 32.3M | 28.67M | 25.49M | 28.51M | 35.87M | 32.35M | 32.74M | 34.93M | 55.74M | 62.21M |
| Revenue Growth % | 5.04% | 6.67% | 2.39% | 22.49% | 4.85% | 0.62% | 3.98% | 9.65% | 31.67% | 19.23% | -9.97% | -11.38% | -22.15% | -18.37% | -35.64% | -47.99% | -55.02% | -43.37% | 125.75% | 95.03% |
| Non-Interest Expense | 14.63M | 13.69M | 13.7M | 14.9M | 12.66M | 12.43M | 11.66M | 16.04M | 21.63M | 18.96M | 17.97M | 17.51M | 18M | 22.84M | 25.46M | 24.85M | 25.1M | 30.61M | 39.28M | 44.4M |
| Efficiency Ratio | 39.59% | 37.53% | 39.84% | 38.69% | 35.97% | 36.34% | 34.71% | 51.02% | 64.44% | 55.79% | 55.64% | 61.08% | 70.63% | 80.09% | 70.98% | 76.82% | 76.68% | 87.64% | 70.47% | 71.38% |
| Operating Income | 6.57M | 7.13M | 6.09M | 7.07M | 3.82M | 4.56M | 5.79M | 444K | -1.48M | 2.65M | 4.06M | 2.95M | 2.48M | 2.58M | 8.65M | 5.12M | 5.81M | 5.13M | 14.18M | 14.85M |
| Operating Margin % | 17.79% | 19.54% | 17.71% | 18.37% | 10.85% | 13.32% | 17.25% | 1.41% | -4.42% | 7.81% | 12.56% | 10.3% | 9.71% | 9.04% | 24.12% | 15.81% | 17.74% | 14.67% | 25.44% | 23.87% |
| Operating Income Growth % | 72.2% | 56.47% | 5.09% | 1493.02% | 357.21% | 71.6% | 42.79% | -84.97% | -159.96% | 3.03% | -53.12% | -42.26% | -57.38% | -49.72% | -38.98% | -65.55% | -75% | -75.77% | 855.97% | 250.2% |
| Pretax Income | 6.57M | 7.13M | 6.09M | 7.07M | 3.82M | 4.56M | 5.79M | 444K | -1.48M | 2.65M | 4.06M | 2.95M | 2.48M | 2.58M | 8.65M | 5.12M | 5.81M | 5.13M | 14.18M | 14.85M |
| Pretax Margin % | 17.79% | 19.54% | 17.71% | 18.37% | 10.85% | 13.32% | 17.25% | 1.41% | -4.42% | 7.81% | 12.56% | 10.3% | 9.71% | 9.04% | 24.12% | 15.81% | 17.74% | 14.67% | 25.44% | 23.87% |
| Income Tax | 1.3M | 963K | 589K | 848K | 145K | 483K | 866K | -476K | -737K | 331K | 333K | 83K | 9K | -61K | 1.62M | 811K | 958K | 817K | 3.69M | 4.53M |
| Effective Tax Rate % | 19.81% | 13.51% | 9.67% | 11.99% | 3.8% | 10.6% | 14.95% | -107.21% | 49.66% | 12.47% | 8.21% | 2.81% | 0.36% | -2.37% | 18.71% | 15.85% | 16.5% | 15.94% | 26.05% | 30.48% |
| Net Income | 5.27M | 6.17M | 5.5M | 6.22M | 3.67M | 4.07M | 4.93M | 920K | -747K | 2.32M | 3.72M | 2.87M | 2.47M | 2.64M | 7.04M | 4.3M | 4.85M | 4.31M | 10.49M | 9.92M |
| Net Margin % | 14.26% | 16.9% | 15.99% | 16.17% | 10.44% | 11.91% | 14.67% | 2.93% | -2.23% | 6.84% | 11.53% | 10.01% | 9.68% | 9.25% | 19.61% | 13.31% | 14.81% | 12.33% | 18.81% | 15.95% |
| Net Income Growth % | 43.55% | 51.39% | 11.61% | 576.63% | 591.57% | 75.26% | 32.3% | -67.96% | -130.29% | -11.9% | -47.06% | -33.31% | -49.14% | -38.77% | -32.92% | -56.62% | -67.97% | -72.04% | 1772.57% | 188.54% |
| Net Income (Continuing) | 5.27M | 6.17M | 5.5M | 6.22M | 3.67M | 4.07M | 4.93M | 920K | -747K | 2.32M | 3.72M | 2.87M | 2.47M | 2.64M | 7.04M | 4.3M | 4.85M | 4.31M | 10.49M | 10.32M |
| EPS (Diluted) | 0.75 | 0.88 | 0.79 | 0.89 | 0.53 | 0.60 | 0.72 | 0.13 | -0.11 | 0.34 | 0.54 | 0.41 | 0.35 | 0.37 | 0.98 | 0.60 | 0.67 | 0.60 | 1.46 | 1.39 |
| EPS Growth % | 41.51% | 46.67% | 9.72% | 584.62% | 581.82% | 76.47% | 33.33% | -68.29% | -131.43% | -8.11% | -44.9% | -31.67% | -47.76% | -38.33% | -32.88% | -56.83% | -68.54% | -72.35% | 1722.22% | 189.58% |
| EPS (Basic) | 0.77 | 0.90 | 0.80 | 0.91 | 0.54 | 0.60 | 0.72 | 0.13 | -0.11 | 0.34 | 0.54 | 0.42 | 0.35 | 0.37 | 0.99 | 0.60 | 0.68 | 0.61 | 1.48 | 1.40 |
| Diluted Shares Outstanding | 7M | 6.98M | 6.96M | 6.97M | 6.88M | 6.83M | 6.86M | 6.84M | 6.82M | 6.82M | 6.88M | 6.97M | 7.14M | 7.15M | 7.16M | 7.21M | 7.2M | 7.18M | 7.16M | 7.15M |