Private company

First Savings Financial Group, Inc.

American savings institution company based in Clarksville2

In its 2025 annual report the company says: “First Savings Financial Group does not own or lease any property but instead uses the premises, equipment and other property of First Savings Bank with the payment of appropriate rental fees, as required by applicable law and regulations, under the terms of an expense allocation agreement.”6

Last updated Oct 20, 2026.

Overview

$5.8MRevenue, fiscal 20253
$23.2MNet income, fiscal 20253
  • IndustrySavings Institution, Federally Chartered2
  • HeadquartersClarksville, United States2
  • Incorporated inIN4
  • Business address702 North Shore Drive, Suite 300, Jeffersonville, In 471304
  • Filer categoryAccelerated filer, Smaller reporting company4
  • Legal formCorporation2
  • LEI549300BD6X6E6468JI142
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered addressC/O Larry W Myers, 47129 Clarksville, United States2
  • Registered withBusiness Services Division (Secretary of State), 20080527001552

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First Savings Financial Group, Inc., an Indiana corporation, was incorporated in May 2008 and serves as the holding company for First Savings Bank (the “Bank” or “First Savings Bank”). First Savings Financial Group’s principal business activity is the ownership of the outstanding common stock of First Savings Bank. First Savings Financial Group does not own or lease any property but instead uses the premises, equipment and other property of First Savings Bank with the payment of appropriate rental fees, as required by applicable law and regulations, under the terms of an expense allocation agreement. Accordingly, the information set forth in this annual report including the consolidated financial statements and related financial data contained herein, relates primarily to the Bank.6 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

397.3%Net margin3
10.3%Revenue growth, 20253
12.0%Return on equity3
$78.3MFree cash flow3

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Interest70¢$62.2M
  • Income tax4¢$3.7M
  • Profit26¢$23.2M

Out of $5.8M in revenue.3

Where each dollar of operating cash went, fiscal 2025

  • Capital spending1¢$879.0K
  • Dividends paid6¢$4.4M
  • Kept or used elsewhere93¢$73.9M

Out of $79.1M of cash from operations.3

Financial statements

Revenue78910113$5.8M in 2025+46% since 2018
0$2.0M$4.0M$6.0M2018: $4.0M$4.0M20182019: $4.4M$4.4M2019+9%2020: $4.1M$4.1M2020−6%2021: $4.6M$4.6M2021+12%2022: $5.4M$5.4M2022+19%2023: $5.6M$5.6M2023+3%2024: $5.3M$5.3M2024−6%2025: $5.8M$5.8M2025+10%
Net income789103$23.2M in 2025+112% since 2018
0$10.0M$20.0M$30.0M$40.0M2018: $10.9M$10.9M20182019: $16.2M$16.2M2019+48%2020: $33.4M$33.4M2020+106%2021: $29.6M$29.6M2021−11%2022: $15.4M$15.4M2022−48%2023: $8.2M$8.2M2023−47%2024: $13.6M$13.6M2024+66%2025: $23.2M$23.2M2025+70%
Fiscal year20182019202020212022202320242025
Revenue$4.0M7$4.4M8$4.1M9$4.6M10$5.4M11$5.6M3$5.3M3$5.8M3
Interest$6.3M7$10.9M8$10.5M9$8.1M10$10.5M11$41.7M3$63.9M3$62.2M3
Income before tax$17.3M11$8.2M3$14.6M3$26.9M3
Income tax$2.4M7$3.1M8$12.7M9$10.0M10$1.9M11$10.0K3$1.0M3$3.7M3
Net income$10.9M7$16.2M8$33.4M9$29.6M10$15.4M10$8.2M3$13.6M3$23.2M3
Earnings per share$4.837$2.338$4.729$4.1610$2.1811$1.193$1.993$3.373
Earnings per share (diluted)$4.607$2.278$4.689$4.1210$2.1511$1.193$1.983$3.323
Shares (weighted, basic)7.1M shares116.8M shares36.8M shares36.9M shares3
Shares (weighted, diluted)7.1M shares116.9M shares36.9M shares37.0M shares3

Compare First Savings Financial Group, Inc. with another company

Corporate structure

First Savings Financial Group, Inc. sits at the top of its group. 5 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of First Savings Financial Group, Inc.

  • FJ Capital Management LLC Filed SCHEDULE 13G/A on First Savings Financial Group, Inc., latest Nov 12, 2025 (5 filings since Feb 10, 2022)
  • First Savings Bank Profit Sharing/401(k) Plan Filed SCHEDULE 13G/A on First Savings Financial Group, Inc., latest Feb 10, 2025 (4 filings since Feb 7, 2022)
  • First Savings Bank FSB Employee Stock Ownership Plan Trust Filed SC 13G/A on First Savings Financial Group, Inc., latest Feb 9, 2022
  • First Savings Financial Group, Inc. Clarksville, Indiana, United States
    • First Savings Bank Subsidiary · Indiana, United States
    • First Savings Investments, Inc. Subsidiary · Nevada, United States
    • Q2 Business Capital, LLC. Subsidiary · Indiana, United States
    • Southern Indiana Financial Corporation Subsidiary · Indiana, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What First Savings Financial Group, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$42.7M3 Sep 30, 2025$41.9M3 Sep 30, 2024+1.7%
Accumulated depreciation$17.3M3 Sep 30, 2025$15.5M3 Sep 30, 2024+11.5%
Property and equipment, net$25.4M3 Sep 30, 2025$26.5M3 Sep 30, 2024−4.0%
Operating-lease assets (leased space)$3.7M3 Sep 30, 2025$3.9M3 Sep 30, 2024−5.1%

Real estate and locations

ItemLatestA year beforeChange
Real estate properties33 Sep 30, 2025

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$31.9M3 Sep 30, 2025$52.1M3 Sep 30, 2024−38.9%
Debt securities available for sale$251.8M3 Sep 30, 2025$248.7M3 Sep 30, 2024+1.3%
Loans, net of allowance$1.9B3 Sep 30, 2025$2.0B3 Sep 30, 2024−3.9%
Deposits held (banks)$1.7B3 Sep 30, 2025$1.9B3 Sep 30, 2024−9.1%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$9.8M3 Sep 30, 2025$9.8M3 Sep 30, 20240%
Intangible assets, net (excluding goodwill)$234.0K3 Sep 30, 2025$398.0K3 Sep 30, 2024−41.2%
Accumulated amortization$4.6M3 Sep 30, 2025$4.4M3 Sep 30, 2024+3.7%
Finite-lived intangibles, net$234.0K3 Sep 30, 2025$398.0K11 Sep 30, 2024−41.2%

Properties, in its own words

We conduct our business through our main office and branch offices. The following table sets forth certain information relating to these facilities as of September 30, 2025.

Year · Owned/

The rest of Item 2

Location · Opened · Leased

Main Office:

Jeffersonville Main Office702 North Shore Drive, Suite 300Jeffersonville, Indiana · 2019 · Owned

Branch Offices:

Clarksville Office 501 East Lewis & Clark Parkway Clarksville, Indiana · 1968 · Owned

Jeffersonville – 10th Street Office3538 E 10th Street Jeffersonville, Indiana · 2020 · Owned

Charlestown Office 1100 Market Street Charlestown, Indiana · 1993 · Owned

Georgetown Office1000 Copperfield Drive Georgetown, Indiana · 2003 · Owned

Jeffersonville - Court Avenue Office202 East Court Avenue Jeffersonville, Indiana · 1986 · Owned

Sellersburg Office 125 Hunter Station Way Sellersburg, Indiana · 1995 · Owned

Corydon Office 900 Hwy 62 NW Corydon, Indiana · 1996 · Owned

Salem Office1336 S Jackson Street Salem, Indiana · 1995 · Owned

English Office 200 Indiana Avenue English, Indiana · 1925 · Owned

Marengo Office 165 E State Rd 64 Marengo, Indiana · 1984 · Owned

Lanesville Office 7340 Main Street NE Lanesville, Indiana · 1948 · Owned

Elizabeth Office 8160 Beech Street SE Elizabeth, Indiana · 1975 · Owned

New Albany Office 2218 State StreetNew Albany, Indiana · 2013 · Leased

Odon Office 501 West Main Street Odon, Indiana · 1982 · Owned

Montgomery Office478 West Meyers Street Montgomery, Indiana · 1992 · Owned

The Company purchased an 8.1 acre parcel of land in Jeffersonville, Indiana, in July 2013 upon which it intended to construct an office building, relocate its corporate headquarters, and subsequently divest of additional unused acreage in future years. However, in October 2018, the Company acquired an office building for $7.5 million in Jeffersonville, Indiana, to which it has relocated its corporate headquarters. In September 2022, the Company sold 4.2 acres of the 8.1 acre parcel of land and sold another 0.9 acres in February 2025. The Company retains ownership of a 3.0 acre parcel upon which intends to construct a branch office.

The Company purchased a 0.5 acre parcel of land in Washington, Indiana, in December 2023 upon which it intends to construct a branch office.

The Company purchased a 1.94 acre parcel of land in Floyds Knobs, Indiana, in July 2021 upon which it intends to construct a branch office.

The Company also rents additional office space and equipment under operating lease agreements that expire at different dates through August 2028. See Note 16 of the Notes to Consolidated Financial Statements beginning on page F-1 of this annual report for additional information regarding the Company’s operating leases.

Item 2 of the 10-K filed Dec 12, 2025.6

Leadership

Who has led First Savings Financial Group, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Larry W. Myers2008–now

President

  1. Larry W. Myers2008–now

Chief financial officer

  1. Anthony A. Schoen2009–now

Chief operating officer

  1. John P. Lawson Jr.2015–2020
  2. Jacqueline R. Journell2020–now
2010201520202025
Board members and other officers (35)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorJohn E. Colin named Mar 25, 202254

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • First Savings Bank Indiana5
  • First Savings Financial Group, Inc. Indiana5
  • First Savings Investments, Inc. Nevada5
  • Q2 Business Capital, LLC. Indiana5
  • Southern Indiana Financial Corporation Indiana5

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • First Savings Financial Group IncJun 13, 2008 to Dec 13, 20194

Timeline

  1. Dec 19, 20258-K Shareholder vote55
  2. Dec 2, 20258-K Other events56
  3. Oct 30, 20258-K Results of operations57
  4. Sep 25, 20258-K Entered a material agreement; Regulation FD disclosure; Other events58
  5. Aug 29, 20258-K Other events59
  6. May 28, 20258-K Other events60
  7. May 2, 20258-K Other events61
  8. Apr 28, 20258-K Results of operations62
  9. Mar 3, 20258-K Other events63
  10. Feb 12, 20258-K Shareholder vote; Regulation FD disclosure64
  11. Jan 31, 20258-K Results of operations65
  12. Dec 2, 20248-K Other events66
  13. Aug 13, 2008New chief executive Larry W. Myers becomes CEO18

Calendar

When it reported results

  1. Oct 30, 2025Reported quarterly or annual results57
  2. Apr 28, 2025Reported quarterly or annual results62
  3. Jan 31, 2025Reported quarterly or annual results65
  4. Oct 31, 2024Reported quarterly or annual results67
  5. Jul 29, 2024Reported quarterly or annual results68
  6. Apr 26, 2024Reported quarterly or annual results69
  7. Feb 2, 2024Reported quarterly or annual results70
  8. Nov 6, 2023Reported quarterly or annual results71

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

306 filings to the SEC since October 2021: 7 annual reports, 12 quarterly reports, 47 major events, 201 insider forms, 10 large holders, 1 private raises, 28 other. The latest 20:

  1. May 6, 202615-15D EDGAR
  2. Feb 12, 202615-12G EDGAR
  3. Feb 10, 2026NT 10-Q EDGAR
  4. Feb 9, 20264 EDGAR
  5. Feb 9, 20264 EDGAR
  6. Feb 9, 20264 EDGAR
  7. Feb 9, 20264 EDGAR
  8. Feb 9, 20264 EDGAR
  9. Feb 9, 20264 EDGAR
  10. Feb 9, 20264 EDGAR
  11. Feb 9, 20264 EDGAR
  12. Feb 9, 20264 EDGAR
  13. Feb 9, 20264 EDGAR
  14. Feb 9, 20264 EDGAR
  15. Feb 9, 20264 EDGAR
  16. Feb 9, 20264 EDGAR
  17. Feb 9, 20264 EDGAR
  18. Feb 9, 20264 EDGAR
  19. Feb 9, 20264 EDGAR
  20. Feb 9, 20264 EDGAR

The 306 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

7 open-market trades by officers, directors and large owners since October 2021: 4 buys and 3 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 18, 2023Parisien Kent L.EVP, Area PresidentSale550$15.28$8.4KForm 4
Mar 10, 2023STEMLER STEVEN RDirectorBuy15,000$19.00$285.0KForm 4
Dec 14, 2022Myers Larry WPresident & CEOSale50,000$22.00$1.1MForm 4
Sep 14, 2022Schoen Anthony AChief Financial OfficerSale16,629$22.85$380.0KForm 4
Sep 1, 2022Fordyce L. ChrisDirectorBuy701$22.90$16.1KForm 4
Jun 13, 2022Myers Larry WPresident & CEOBuy3,468$24.19$83.9KForm 4
Apr 28, 2022Czeschin FrankDirectorBuy3,000$24.91$74.7KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2024Larry W. Myers$458.6K$778.0K75
2024Tony A. Schoen$281.2K$468.7K75
2024Jackie R. Journell$249.3K$360.0K75
2023President & Chief Executive Officer$407.1K$642.3K75
2023Chief Financial Officer$249.7K$387.1K75
2023Chief Operating Officer$238.8K$358.7K75

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Mar 18, 2022Raised $31 million in a private offering of debt Form D: 24 investors so far Form D

SEC filer profile

How First Savings Financial Group, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFirst Savings Financial Group, Inc.1
  • CIK0001435508
  • Employer ID (EIN)37-15678716
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company6
  • Incorporated inIndiana6
  • Fiscal year endsSeptember 301
  • Industry code (SIC)6035 Savings Institution, Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address702 North Shore Drive, Suite 300, Jeffersonville, IN 471301
  • Phone812-283-07241
  • Shares outstanding7,015,080 shares as of Dec 5, 20256
  • Public float$140.3M as of Mar 31, 20256
  • AuditorForvis Mazars, LLP, Louisville, Kentucky PCAOB ID 686; it also attests to the company’s internal control over financial reporting6
  • On EDGAR sinceJun 13, 20081
  • Filings948 in all: 4 (473), 8-K (182), 10-Q (52), 3 (37), SC 13G/A (37), 4/A (34), 10-K (18), 11-K (18)1
    All 40 form types

    DEF 14A (17), UPLOAD (6), CORRESP (5), S-8 (5), S-8 POS (5), SC 13D/A (5), 425 (4), ARS (4), SC 13D (4), SC 13G (4), 3/A (3), DEFA14A (3), EFFECT (3), NT 10-K (3), SCHEDULE 13G/A (3), 10-K/A (2), 10-Q/A (2), 424B3 (2), D (2), NT 10-Q (2), SE (2), 15-12G (1), 15-15D (1), 25-NSE (1), 8-A12B (1), 8-K/A (1), CERTNAS (1), DEFM14A (1), POS AM (1), S-1 (1), S-1/A (1), S-4 (1)

  • Latest filingsAnnual report (10-K) Dec 12, 2025
    Quarterly report (10-Q) Aug 8, 2025
    Proxy statement (DEF 14A) Jan 8, 2025
    Latest 8-K (8-K) Dec 19, 2025

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareFSFGNASDAQ

From the cover page of the 10-K filed Dec 12, 2025 (Section 12(b) of the Exchange Act).6

Risk factors and legal proceedings

The risks First Savings Financial Group, Inc. names in Item 1A of its 10-K filed Dec 12, 2025: 25 risks under these headings, as written.6

  • Risks Related to Our Lending Activities
  • Our emphasis on commercial real estate lending and commercial business lending may expose us to increased lending risks.
  • Our construction loan and land and land development loan portfolios may expose us to increased credit risk.
  • Our concentration in non-owner occupied residential real estate loans may expose us to increased credit risk.
  • We may suffer losses in our loan portfolio despite our underwriting practices.
  • Our allowance for credit losses may not be adequate to cover actual losses.
  • Our SBA lending program is dependent upon the federal government and we face specific risks associated with originating SBA loans.
  • We may be required to repurchase mortgage loans or indemnify buyers against losses in some circumstances.
  • Recessionary conditions could result in increases in our level of nonperforming loans and/or reduce demand for our products and services, which would lead to lower revenue, higher loan losses and lower earnings.
  • The value of our residential mortgage loan servicing rights and SBA loan servicing rights is subjective by nature and may be vulnerable to inaccuracies or other events outside our control.
  • Risks Related to Competition
  • Strong competition within our primary market area could hurt our profits and slow growth.
The other 15 risks
  • Risks Related to Changes in Market Interest Rates
  • Changing interest rates may hurt our earnings and asset value.
  • Inflation can have an adverse impact on our business and on our customers.
  • Risks Related to Our Liquidity Position
  • Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
  • Risks Related to Our Pending Merger with First Merchants Corporation
  • If the merger is not completed, we will have incurred substantial expenses without realizing the expected benefits of the merger.
  • We will be subject to business uncertainties and contractual restrictions while the merger is pending.
  • Risks Related to Our Investment Portfolio
  • If additional provisions for credit losses are recorded in connection with our investment portfolio it could have a significant negative impact on our profitability.
  • Risks Related to Our Operations
  • Because the nature of the financial services business involves a high volume of transactions, we face significant operational risks.
  • A disruption, failure in or breach, including cyber-attacks, of our operational, communications, information or security systems, or those of our third party vendors and other service providers, could disrupt our businesses, result in the disclosure or misuse of confidential or proprietary information, damage our reputation, increase our costs and cause losses.
  • If the goodwill that we recorded in connection with a business acquisition becomes impaired, it could have a significant negative impact on our profitability.
  • We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations.
  • We rely heavily on our management team and the unexpected loss of any of those personnel could adversely affect our operations, and we depend on our ability to attract and retain key personnel.
  • Risks Related to an Investment in Our Common Stock
  • Our ability to pay dividends is subject to certain limitations and restrictions, and there is no guarantee that we will be able to continue paying the same level of dividends in the future that we paid in 2025 or that we will be able to pay future dividends at all.
  • The trading volume of our stock varies and you may not be able to resell your shares at or above the price you paid for them.
  • The price of the common stock purchased may decrease significantly. Although our common stock is quoted on the NASDAQ Capital Market under the symbol “FSFG”, trading activity in the stock historically has been sporadic. A public trading market having the desired characteristics of liquidity and order depends on the presence in the market of willing buyers and sellers at any given time. The presence of willing buyers and sellers depends on the individual decisions of investors and general economic conditions, all of which are beyond our control.
  • Insiders have substantial control over us, and this control may limit our shareholders’ ability to influence corporate matters and may delay or prevent a third party from acquiring control over us.

Legal proceedings

Periodically, there have been various claims and lawsuits involving the Bank, primarily as plaintiff, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. We are not a party to any pending legal proceedings that we believe would have a material adverse effect on our financial condition, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.6

Sources

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