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FSFG First Savings Financial

The Bank operates fifteen offices in the Indiana communities of Clarksville, Jeffersonville, Charlestown, Sellersburg, New Albany, Georgetown, Corydon, Lanesville, Elizabeth, English, Marengo, Salem, Odon and Montgomery.

Company profile

Ticker
FSFG
Exchange
Website
CEO
Larry Myers
Employees
Incorporated
Location
Fiscal year end
Former names
First Savings Financial Group Inc
SEC CIK
Subsidiaries
First Savings Insurance Risk Management, Inc. • Southern Indiana Financial Corporation • First Savings Investments, Inc. • Q2 Business Capital, LLC. ...
IRS number
371567871

FSFG stock data

(
)

Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

13 Aug 21
17 Oct 21
30 Sep 22
Quarter (USD)
Jun 21 Mar 21 Dec 20 Sep 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Sep 20 Sep 19 Sep 18 Sep 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 22.91M 22.91M 22.91M 22.91M 22.91M 22.91M
Cash burn (monthly) 2.64M 386.25K (positive/no burn) (positive/no burn) 7.1M (positive/no burn)
Cash used (since last report) 9.47M 1.38M n/a n/a 25.45M n/a
Cash remaining 13.44M 21.52M n/a n/a -2.54M n/a
Runway (months of cash) 5.1 55.7 n/a n/a -0.4 n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
6 Jul 21 L. Chris Fordyce Common Stock Option exercise Acquire M No No 66.35 100 6.63K 13,214
6 Jul 21 L. Chris Fordyce Stock Options Common Stock Option exercise Acquire M No No 66.35 100 6.63K 400
6 Jul 21 Martin Padgett Common Stock Option exercise Acquire M No No 40.09 400 16.04K 2,381
6 Jul 21 Martin Padgett Stock Options Common Stock Option exercise Dispose M No No 40.09 400 16.04K 400
29 Apr 21 James W Nelson Common Stock Buy Acquire P No No 69.99 1,063 74.4K 1,063

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

40.9% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 45 50 -10.0%
Opened positions 6 4 +50.0%
Closed positions 11 0 NEW
Increased positions 12 19 -36.8%
Reduced positions 18 13 +38.5%
13F shares
Current Prev Q Change
Total value 69.69M 129.1M -46.0%
Total shares 972.32K 1.1M -11.3%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
First Savings Bank FSB Employee Stock Ownership Plan Trust 136.19K $9.14M 0.0%
First Savings Bank Profit Sharing/401 127.29K $6.61M 0.0%
FSFG First Savings Financial 119.15K $0 0.0%
FJ Capital Management 118K $8.66M -0.3%
Vanguard 79.58K $5.82M -17.9%
Stilwell Value 78.17K $5.72M +45.0%
LYNCH & Associates 53K $3.88M 0.0%
Fourthstone 44.42K $3.28M +9.1%
Millennium Management 26.6K $1.95M NEW
Round Hill Asset Management 25.26K $1.85M 0.0%
Largest transactions
Shares Bought/sold Change
BLK Blackrock 16.66K -86.98K -83.9%
Millennium Management 26.6K +26.6K NEW
Stilwell Value 78.17K +24.26K +45.0%
STT State Street 6.91K -22.86K -76.8%
Vanguard 79.58K -17.34K -17.9%
NTRS Northern Trust 11.65K -14.55K -55.5%
Patriot Financial Partners GP 12.7K +12.7K NEW
WFC Wells Fargo & Co. 564 -10.38K -94.8%
Geode Capital Management 8.9K -10.1K -53.2%
Alliancebernstein 13.71K -6.95K -33.6%

Financial report summary

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Risks
  • 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 loan 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.
  • Decreased residential mortgage origination volume and pricing decisions of competitors may adversely affect our profitability.
  • 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.
  • Strong competition within our primary market area could hurt our profits and slow growth.
  • Changing interest rates may hurt our earnings and asset value.
  • Liquidity risk could impair our ability to fund operations and jeopardize our financial condition.
  • Market expansion and acquisitions may not produce revenue enhancements or cost savings at levels or within timeframes originally anticipated and may result in unforeseen integration difficulties and dilution to existing shareholder value.
  • If the goodwill that we recorded in connection with a business acquisition becomes impaired, it could have a significant negative impact on our profitability.
  • If an other-than-temporary-impairment is recorded in connection with our investment portfolio it could have a significant negative impact on our profitability.
  • 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.
  • 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.
  • 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.
  • 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.
Content analysis
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Readability
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New words: accelerated, compression, intrest, occupancy
Removed: aforementioned, anticipate, began, develop, longer, retaining, timing, virtually