$162.7 M

FSFG Mkt cap, 14-Jun-2018

$25 M

First Savings Financial Group Revenue Q2, 2018
First Savings Financial Group Gross profit (Q2, 2018)22.2 M
First Savings Financial Group Gross profit margin (Q2, 2018), %88.8%
First Savings Financial Group Net income (Q2, 2018)5.7 M
First Savings Financial Group EBIT (Q2, 2018)15.9 M
First Savings Financial Group Cash, 31-Mar-201839 M

First Savings Financial Group Financials

First Savings Financial Group Income Statement

Annual

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

Revenue

31.4 m32.5 m34 m32.8 m

Revenue growth, %

4%4%(3%)

Cost of goods sold

3.8 m4.2 m4.5 m

Gross profit

30.2 m28.7 m

Gross profit Margin, %

89%87%

Sales and marketing expense

15.1 m

R&D expense

1.4 m

General and administrative expense

2.8 m

Operating expense total

25 m

Depreciation and amortization

1.2 m

EBIT

23.4 m24.7 m28.2 m

EBIT margin, %

69%75%

Pre tax profit

8.3 m5.6 m11.8 m

Income tax expense

1.6 m(2.3 m)2.5 m

Net Income

6.8 m7.9 m9.3 m

Quarterly

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

Revenue

8.9 m8.6 m8.4 m4.8 m9.9 m10.1 m10.8 m25 m

Cost of goods sold

933 k968 k1 m1.1 m1 m1 m1.1 m2.8 m

Gross profit

7.9 m7.6 m7.4 m3.7 m8.9 m9 m9.7 m22.2 m

Gross profit Margin, %

89%89%88%77%90%90%90%89%

Sales and marketing expense

3 m3.6 m2.8 m3.2 m3.5 m3.7 m3.8 m8.4 m

R&D expense

309 k353 k414 k442 k374 k328 k329 k1.6 m

General and administrative expense

675 k652 k721 k670 k600 k691 k699 k1.7 m

Operating expense total

5.2 m5.9 m5.2 m5.6 m5.5 m6.1 m6.3 m14.7 m

EBIT

5.8 m6.2 m6 m6 m6.7 m6.8 m7.2 m15.9 m

EBIT margin, %

65%72%71%124%68%68%67%64%

Pre tax profit

2.5 m1.7 m2 m(2.2 m)3 m2.6 m3 m6.7 m

Income tax expense

48 k(417 k)318 k467 k389 k(4.4 m)681 k413 k586 k960 k

Net Income

1 m1.5 m1.5 m1.2 m1.5 m2.2 m1.2 m1.6 m2.2 m2.3 m2.2 m2.4 m5.7 m

First Savings Financial Group Balance Sheet

Annual

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

Cash

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

Accounts Receivable

17.9 m23.2 m

Inventories

1.5 m1.9 m

PP&E

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

Goodwill

7.9 m7.9 m7.9 m7.9 m7.9 m

Total Assets

660.5 m713.1 m749.9 m796.5 m891.1 m

Accounts Payable

184 k175 k186 k579.5 m669.4 m

Short-term debt

Long-term debt

Total Liabilities

709.9 m798 m

Preferred Stock

Additional Paid-in Capital

17.1 m17.1 m17.1 m27.8 m

Retained Earnings

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

Total Equity

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

Financial Leverage

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

Quarterly

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

Cash

20 m19.9 m19.4 m21 m20.2 m21.4 m28.4 m24 m25.1 m27.2 m33.6 m41.1 m39 m

Accounts Receivable

10.8 m11.1 m9.9 m13.1 m10.3 m13.4 m19.9 m15 m15.5 m17.8 m22.4 m30.2 m26.6 m

Inventories

1.2 m1.2 m1.3 m1.2 m1.2 m1.3 m1.3 m1.4 m1.5 m1.7 m1.7 m1.8 m2.2 m

PP&E

14.9 m14.7 m14.5 m14.1 m14 m13.9 m13.6 m13.6 m13.4 m11.6 m11.5 m11.4 m12.6 m

Goodwill

7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m7.9 m9.5 m

Total Assets

686.9 m704.2 m701.8 m723.1 m726.8 m730.9 m745.4 m765.1 m779.2 m822.6 m840.6 m874.1 m1 b

Accounts Payable

491.5 m523.9 m525.2 m515.7 m536.9 m529 m533.9 m567.4 m574.1 m624.9 m631.2 m673.9 m758.8 m

Total Liabilities

604.5 m620.9 m616.1 m633.6 m635.1 m639 m649.1 m683.9 m695 m737.4 m752.9 m782.8 m912.7 m

Preferred Stock

30 b

Additional Paid-in Capital

17.1 m17.1 m17.1 m17.1 m17.1 m17.1 m17.1 m27.9 m27.8 m27.8 m27.7 m

Retained Earnings

43.7 m44.9 m46.1 m48.1 m49.3 m51.2 m53.7 m55 m57 m61.5 m63.4 m65.6 m71.4 m

Total Equity

82.4 m83.3 m85.7 m89.5 m91.7 m92 m96.3 m81.2 m84.2 m85.1 m87.7 m91.3 m95.8 m

Financial Leverage

8.3 x8.5 x8.2 x8.1 x7.9 x7.9 x7.7 x9.4 x9.3 x9.7 x9.6 x9.6 x10.5 x

First Savings Financial Group Cash Flow

Annual

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

Net Income

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

Depreciation and Amortization

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

Accounts Receivable

Inventories

Accounts Payable

(52 k)(9 k)283 k

Cash From Operating Activities

11.9 m8.1 m(138 k)9.2 m(2.2 m)

Cash From Investing Activities

(50.2 m)(50 m)(19.4 m)(45.2 m)(78.2 m)

Dividends Paid

(171 k)(171 k)(171 k)(62 k)

Cash From Financing Activities

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

Quarterly

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

Net Income

1 m2.6 m4 m1.2 m2.7 m4.9 m1.2 m2.9 m5.1 m2.3 m4.5 m7 m5.7 m

Depreciation and Amortization

346 k704 k1.1 m357 k721 k1.1 m367 k737 k1.1 m293 k582 k871 k634 k

Accounts Payable

(7 k)(2 k)(21 k)(1 k)

Cash From Operating Activities

1.2 m3.4 m4.7 m3 m4.5 m3 m6.4 m4.7 m7.5 m(9.7 m)(2.5 m)(5.7 m)10.8 m

Cash From Investing Activities

(27.7 m)(43.9 m)(40.1 m)(6.9 m)(9.9 m)(11.7 m)2.5 m(17.3 m)(30.5 m)(20.7 m)(36 m)(54.4 m)(29.4 m)

Dividends Paid

(43 k)(86 k)(129 k)(43 k)(86 k)(129 k)(43 k)(62 k)(62 k)

Cash From Financing Activities

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

First Savings Financial Group Ratios

USDY, 2018

Revenue/Employee

142.3 k

Financial Leverage

10.5 x
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