---
title: "First Savings Financial | 10-K: FY2025 Revenue: USD 146.37 M"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/269571599.md"
datetime: "2025-12-12T21:58:29.000Z"
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  - [zh-CN](https://longbridge.com/zh-CN/news/269571599.md)
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  - [zh-HK](https://longbridge.com/zh-HK/news/269571599.md)
---

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# First Savings Financial | 10-K: FY2025 Revenue: USD 146.37 M

Revenue: As of FY2025, the actual value is USD 146.37 M.

EPS: As of FY2025, the actual value is USD 3.32, missing the estimate of USD 3.415.

EBIT: As of FY2025, the actual value is USD -38.45 M.

### Core Banking Segment

-   **Net Interest Income**: Increased by $7.2 million, or 12.5%, from $58.1 million in 2024 to $65.3 million in 2025, primarily due to an increase in the average yield on interest-earning assets and a decrease in the average cost of interest-bearing liabilities.
-   **Provision for Credit Losses**: The provision for credit losses was $325,000 in 2025, compared to $3.1 million in 2024, reflecting lower loan balances and a decrease in qualitative reserves.
-   **Noninterest Income**: Increased by $6.3 million, or 50.4%, from $12.5 million in 2024 to $18.8 million in 2025, primarily due to a $4.0 million net gain on the sale of home equity lines of credit and a $1.2 million increase in net gain on the sale of SBA loans.
-   **Noninterest Expense**: Increased by $4.1 million, or 7.7%, from $52.9 million in 2024 to $57.0 million in 2025, primarily due to increases in compensation and benefits and other operating expenses.

### SBA Lending Segment

-   **SBA Loans Held for Sale**: Decreased by $10.9 million, from $25.7 million at September 30, 2024, to $14.8 million at September 30, 2025, due to sales outpacing originations during the year.

### Outlook / Guidance

-   The Company expects the pending merger with First Merchants Corporation to close during the first calendar quarter of 2026, subject to regulatory and shareholder approvals.
-   The Company anticipates continued emphasis on residential lending and expanding consumer/retail banking capabilities and commercial banking services, focusing on serving small businesses and emphasizing relationship banking in its primary market area.

### Related Stocks

- [First Savings Financial Group, Inc. (FSFG.US)](https://longbridge.com/en/quote/FSFG.US.md)

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