$118.9 M

FSFG Mkt cap, 14-Dec-2018

$55.5 M

First Savings Financial Revenue FY, 2018
First Savings Financial Gross profit (FY, 2018)49.1 M
First Savings Financial Gross profit margin (FY, 2018), %88.6%
First Savings Financial Net income (FY, 2018)12.3 M
First Savings Financial EBIT (FY, 2018)34.5 M
First Savings Financial Cash, 30-Sep-201842.3 M

First Savings Financial Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Revenue

31.4m32.5m34.0m32.8m42.5m55.5m

Revenue growth, %

4%4%(3%)

Cost of goods sold

3.8m4.2m4.5m6.3m

Gross profit

30.2m28.7m38.1m49.1m

Gross profit Margin, %

89%87%90%89%

Sales and marketing expense

11.8m12.9m15.1m19.7m

R&D expense

1.4m1.6m1.4m2.4m

General and administrative expense

2.6m2.7m2.8m3.6m

Operating expense total

21.0m22.4m25.0m33.0m

Depreciation and amortization

1.2m

EBIT

23.4m24.7m28.2m34.5m

EBIT margin, %

69%75%66%62%

Pre tax profit

8.3m5.6m11.8m14.8m

Income tax expense

1.0k1.6m(2.3m)2.5m2.4m

Net Income

4.7m6.8m7.9m9.3m12.3m

First Savings Financial Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Cash

20.8m20.3m25.0m29.3m34.3m42.3m

Accounts Receivable

11.2m15.1m17.9m23.2m28.1m

Inventories

1.2m1.3m1.5m1.9m2.7m

PP&E

14.8m14.3m13.8m11.7m11.3m13.0m

Goodwill

7.9m7.9m7.9m7.9m7.9m9.8m

Total Assets

660.5m713.1m749.9m796.5m891.1m1.0b

Accounts Payable

477.7m175.0k533.3m579.5m669.4m811.1m

Short-term debt

Long-term debt

Total Debt

Total Liabilities

578.2m655.6m709.9m798.0m934.2m

Preferred Stock

Additional Paid-in Capital

17.1m17.1m17.1m27.8m27.6m

Retained Earnings

42.9m47.2m52.8m59.5m67.6m76.5m

Total Equity

82.3m87.1m94.4m86.6m93.1m100.2m

Financial Leverage

8 x8.2 x7.9 x9.2 x9.6 x10.3 x

First Savings Financial Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Net Income

4.7m5.4m6.8m7.9m9.3m12.3m

Depreciation and Amortization

1.2m1.4m1.5m1.5m1.2m1.4m

Accounts Receivable

Inventories

Accounts Payable

(52.0k)(9.0k)283.0k

Cash From Operating Activities

11.9m8.1m(138.0k)9.2m(2.2m)18.0m

Cash From Investing Activities

(50.2m)(50.0m)(19.4m)(45.2m)(78.2m)(50.5m)

Dividends Paid

(171.0k)(171.0k)(171.0k)(62.0k)

Cash From Financing Activities

20.3m41.3m24.2m40.3m85.4m40.5m

Quarterly

USDQ1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

1.0m2.6m4.0m1.2m2.7m4.9m1.2m2.9m5.1m2.3m4.5m7.0m3.5m5.7m9.4m

Depreciation and Amortization

346.0k704.0k1.1m357.0k721.0k1.1m367.0k737.0k1.1m293.0k582.0k871.0k300.0k634.0k995.0k

Accounts Payable

(7.0k)(2.0k)(21.0k)(1.0k)

Cash From Operating Activities

1.2m3.4m4.7m3.0m4.5m3.0m6.4m4.7m7.5m(9.7m)(2.5m)(5.7m)581.0k10.8m20.0m

Cash From Investing Activities

(27.7m)(43.9m)(40.1m)(6.9m)(9.9m)(11.7m)2.5m(17.3m)(30.5m)(20.7m)(36.0m)(54.4m)(33.1m)(29.4m)(60.7m)

Dividends Paid

(43.0k)(86.0k)(129.0k)(43.0k)(86.0k)(129.0k)(43.0k)(62.0k)(62.0k)

Cash From Financing Activities

25.7m39.6m33.9m4.6m5.3m9.8m(5.5m)11.6m23.1m28.2m42.7m71.9m37.3m23.4m44.5m

First Savings Financial Ratios

USDY, 2018

Revenue/Employee

315.1k

Financial Leverage

10.3 x
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First Savings Financial Employee Rating

5.01 votes
Culture & Values
4.0
Work/Life Balance
4.0
Senior Management
4.0
Salary & Benefits
3.0
Career Opportunities
3.0
Source