First Savings Financial Group, Inc. (FSFG)

FSFG Cash Flow Statement

Financials in millions USD. Fiscal year is October - September.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021
Net Income	23.16	13.59	8.17	15.39	29.57
Depreciation & Amortization	2.82	2.95	3.32	3.75	3.52
Gain (Loss) on Sale of Assets	-0.29	-0.12	-0.05	0.12	-0.15
Gain (Loss) on Sale of Investments	-0.19	-0.19	1.1	0.44	0.75
Total Asset Writedown	0.4	0.66	1	0.04	0.09
Provision for Credit Losses	0.33	3.07	2.61	1.91	-1.77
Net Decrease (Increase) in Loans Originated / Sold - Operating	70.1	21.46	19.77	129.65	170.64
Accrued Interest Receivable	-	-1.22	-1.83	-2.09	0.22
Change in Other Net Operating Assets	2.16	6.28	-5.13	-0.11	-7.86
Other Operating Activities	-1.93	42.77	1.23	-12.85	-21.76
Operating Cash Flow	79.13	91.2	32.76	148.81	114.89
Operating Cash Flow Growth	-13.23%	178.41%	-77.99%	29.52%	-
Capital Expenditures	-0.88	-0.68	-2.95	-0.84	-5.64
Sale of Property, Plant and Equipment	0.07	0.15	0.13	-	0.44
Cash Acquisitions	-	-0.02	-	-	-3.17
Investment in Securities	-13.54	-6	79.64	-157.17	-7.43
Income (Loss) Equity Investments	-	-	-	-0.01	-0.03
Net Decrease (Increase) in Loans Originated / Sold - Investing	-9.66	-196.77	-335.87	-386.73	-26.57
Other Investing Activities	-13.82	-0.01	-4.94	0.52	-13.51
Investing Cash Flow	-37.83	-203.33	-263.99	-544.22	-55.88
Long-Term Debt Issued	2,495	1,990	7,455	1,211	455
Total Debt Issued	2,495	1,990	7,455	1,211	455
Long-Term Debt Repaid	-2,382	-2,052	-7,400	-1,085	-690.69
Total Debt Repaid	-2,382	-2,052	-7,400	-1,085	-690.69
Net Debt Issued (Repaid)	113.36	-61.54	54.54	125.55	-235.69
Issuance of Common Stock	0.63	0.09	0.02	-	0.03
Repurchase of Common Stock	-0.38	-0.08	-2.66	-4.79	-0.04
Common Dividends Paid	-4.38	-4.05	-3.79	-4.5	-1.69
Total Dividends Paid	-4.38	-4.05	-3.79	-4.5	-1.69
Net Increase (Decrease) in Deposit Accounts	-171	199.09	172.48	288.25	179.5
Other Financing Activities	0.18	-0.08	-0.18	-0.87	-1.43
Financing Cash Flow	-61.6	133.43	220.41	403.64	-59.31
Net Cash Flow	-20.29	21.3	-10.82	8.24	-0.3
Free Cash Flow	78.25	90.52	29.8	147.98	109.25
Free Cash Flow Growth	-13.55%	203.71%	-79.86%	35.44%	-
Free Cash Flow Margin	92.91%	132.83%	35.21%	134.30%	60.88%
Free Cash Flow Per Share	11.22	13.20	4.33	20.72	15.23
Cash Interest Paid	70.56	59.47	34.03	9.3	8.52
Cash Income Tax Paid	2.89	8.14	-0.12	-3.23	9.05

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q