Group 1: Company Overview - First Savings Financial (FSFG) is based in Jeffersonville and operates in the Finance sector, with shares experiencing a price change of -6.29% this year [3] - The company currently pays a dividend of $0.15 per share, resulting in a dividend yield of 2.41%, which is lower than the Financial - Savings and Loan industry's yield of 2.68% and the S&P 500's yield of 1.59% [3] Group 2: Dividend Performance - FSFG's current annualized dividend of $0.60 has increased by 1.7% from the previous year, and over the past five years, the company has raised its dividend five times, averaging an annual increase of 25.25% [4] - The company's payout ratio stands at 28%, indicating that it paid out 28% of its trailing 12-month earnings per share as dividends [4] Group 3: Earnings Growth Expectations - For the fiscal year, FSFG anticipates solid earnings growth, with the Zacks Consensus Estimate for 2025 projected at $2.65 per share, reflecting a year-over-year earnings growth rate of 55.88% [5] Group 4: Investment Considerations - FSFG is considered a compelling investment opportunity due to its strong dividend profile, despite the general trend that high-yielding stocks may struggle during periods of rising interest rates [7] - The stock currently holds a Zacks Rank of 3 (Hold), indicating a neutral outlook [7]

Company Overview - First Savings Financial (FSFG) is headquartered in Jeffersonville and operates in the Finance sector [1] - The stock has experienced a price change of 51.13% since the beginning of the year [1] - The company currently pays a dividend of $0.15 per share, resulting in a dividend yield of 2.36% [1] - In comparison, the Financial - Savings and Loan industry's yield is 3.06%, while the S&P 500's yield is 1.53% [1] Earnings and Growth - FSFG expects solid earnings growth for the fiscal year, with the Zacks Consensus Estimate for 2024 at $2.65 per share, indicating a year-over-year growth rate of 55.88% [4] - The company's current annualized dividend of $0.60 has increased by 1.7% from the previous year [7] - FSFG has raised its dividend 5 times over the last 5 years, with an average annual increase of 27.91% [7] - The current payout ratio is 28%, meaning the company paid out 28% of its trailing 12-month EPS as dividends [7] Investment Appeal - FSFG is considered an attractive dividend play and a compelling investment opportunity, holding a Zacks Rank of 1 (Strong Buy) [5]

Loan Portfolio Composition - As of September 30, 2024, 58.2% of the loan portfolio, amounting to $1.15 billion, consisted of commercial real estate and commercial business loans [128]. - Nonperforming commercial real estate loans totaled $8.8 million, while nonperforming commercial business loans amounted to $3.2 million as of September 30, 2024 [128]. - Construction loans and land development loans represented 4.0% of the loan portfolio, totaling $80.1 million, with speculative construction loans making up 10.2% of this segment [129]. - Loans secured by non-owner occupied residential properties accounted for 3.7% of the residential mortgage loan portfolio, totaling $24.9 million [130]. - The company had four non-owner occupied residential loan relationships with aggregate outstanding balances of $6.8 million as of September 30, 2024 [132]. Interest Rate Risk - Approximately $977.3 million, or 49.3% of the total loan portfolio, consisted of fixed-rate loans with maturity dates after September 30, 2025, exposing the company to increased interest rate risk [148]. Competition and Market Position - The company faces intense competition in loan origination and deposit attraction, holding approximately 33.22% of FDIC-insured deposits in its primary market area as of June 30, 2024 [147]. Credit Losses and Financial Risks - The allowance for credit losses may not be adequate to cover actual losses, which could materially and adversely affect earnings and financial condition [134]. - The SBA lending program is dependent on federal government support, and any changes to the program could adversely affect business and earnings [135]. - Inflation risk may negatively impact the company's business operations and customers' ability to repay loans, increasing noninterest expenses [150]. Goodwill and Shareholder Impact - Goodwill totaled $9.8 million as of September 30, 2024, with no impairment charges recorded to date, but future evaluations may result in write-downs impacting financial condition [160]. - The company may issue additional shares for future acquisitions, potentially diluting current shareholders' ownership interests [157]. - Insiders own approximately 15.32% of the outstanding common stock, which may limit other shareholders' influence over corporate matters [185]. Investment Portfolio and Operational Risks - The investment portfolio primarily consists of U.S. government agency securities, mortgage-backed securities, and municipal bonds, with potential credit losses that could adversely affect earnings [162]. - The company faces significant operational risks, including fraud, unauthorized transactions, and technology failures, which could lead to financial loss and regulatory scrutiny [164]. Regulatory and Compliance Issues - Regulatory changes, including those from the Dodd-Frank Act, may impose increased compliance costs and affect profitability and operational flexibility [175]. - The ability to pay dividends is subject to regulatory restrictions and capital adequacy guidelines, with no guarantee of maintaining current dividend levels [180]. Employee and Stock Trading Risks - The company relies on a competitive market for qualified employees, and the loss of key personnel could adversely affect operations and financial condition [178]. - The trading volume of the company's stock is sporadic, which may affect the ability of shareholders to resell shares at desired prices [183].

JEFFERSONVILLE, Ind., Nov. 29, 2024 (GLOBE NEWSWIRE) -- First Savings Financial Group, Inc. (Nasdaq: FSFG) (the “Company”), the holding company for First Savings Bank (the “Bank”), today announced that its Board of Directors declared a quarterly cash dividend of $0.15 per common share. The dividend will be paid on or about December 31, 2024 to stockholders of record as of the close of business on December 16, 2024. Also, the Company announced today that its annual meeting of stockholders will be held on Tue ...

All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its ...

Investors might want to bet on First Savings Financial (FSFG) , as earnings estimates for this company have been showing solid improvement lately. The stock has already gained solid short-term price momentum, and this trend might continue with its still improving earnings outlook.The upward trend in estimate revisions for this bank holding company reflects growing optimism of analysts on its earnings prospects, which should get reflected in its stock price. After all, empirical research shows a strong corre ...

Here are three stocks with buy rank and strong momentum characteristics for investors to consider today, November 1st:Sprouts Farmers Market (SFM) : This company which operates in a highly fragmented grocery store industry, has a unique model that features fresh produce, foods section, and a vitamin department focused on overall wellness, has a Zacks Rank #1(Strong Buy), and witnessed the Zacks Consensus Estimate for its current year earnings increasing 5.3% over the last 60 days.Sprouts Farmers Market’s sh ...

Exhibit 99.1 FIRST SAVINGS FINANCIAL GROUP, INC. REPORTS FINANCIAL RESULTS FOR THE FISCAL YEAR ENDED SEPTEMBER 30, 2024 Jeffersonville, Indiana — October 24, 2024. First Savings Financial Group, Inc. (NASDAQ: FSFG - news) (the "Company"), the holding company for First Savings Bank (the "Bank"), today reported net income of $13.6 million, or $1.98 per diluted share, for the year ended September 30, 2024, compared to net income of $8.2 million, or $1.19 per diluted share, for the year ended September 30, 2023 ...

First Savings Financial (FSFG) came out with quarterly earnings of $0.53 per share, missing the Zacks Consensus Estimate of $0.58 per share. This compares to earnings of $0.41 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -8.62%. A quarter ago, it was expected that this bank holding company would post earnings of $0.41 per share when it actually produced earnings of $0.52, delivering a surprise of 26.83%.Over the last four q ...

JEFFERSONVILLE, Ind., Oct. 24, 2024 (GLOBE NEWSWIRE) -- First Savings Financial Group, Inc. (NASDAQ: FSFG - news) (the "Company"), the holding company for First Savings Bank (the "Bank"), today reported net income of $13.6 million, or $1.98 per diluted share, for the year ended September 30, 2024, compared to net income of $8.2 million, or $1.19 per diluted share, for the year ended September 30, 2023. The core banking segment reported net income of $16.9 million, or $2.47 per diluted share for the year end ...