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.<h3>Core Banking Segment</h3><ul><li>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.</li><li>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.</li><li>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.</li><li>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.</li></ul><h3>SBA Lending Segment</h3><ul><li>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.</li></ul><h3>Outlook / Guidance</h3><ul><li>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.</li><li>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.</li></ul>

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