First Savings Financial Group, Inc. (FSFG): ANSOFF-Matrixanalyse

In der dynamischen Finanzdienstleistungslandschaft positioniert sich First Savings Financial Group, Inc. (FSFG) strategisch für transformatives Wachstum in mehreren Dimensionen. Durch die sorgfältige Erstellung einer umfassenden Ansoff-Matrix passt sich die Institution nicht nur an Marktveränderungen an, sondern gestaltet ihre strategische Ausrichtung proaktiv neu. Von Innovationen im digitalen Banking über geografische Expansion bis hin zu hochmodernen Finanzprodukten ist FSFG bereit, davon zu profitieren 4 ausgeprägte Wachstumsstrategien, die versprechen, seine Marktpositionierung neu zu definieren und beispiellose Chancen in einem zunehmend wettbewerbsintensiven Bankenökosystem zu erschließen.

First Savings Financial Group, Inc. (FSFG) – Ansoff-Matrix: Marktdurchdringung

Erweitern Sie digitale Bankdienstleistungen

Im vierten Quartal 2022 meldete die First Savings Financial Group 87.342 aktive Digital-Banking-Nutzer, was einem Anstieg von 14,3 % gegenüber dem Vorjahr entspricht. Die Bank investierte im Geschäftsjahr 2,3 Millionen US-Dollar in die Modernisierung der digitalen Infrastruktur.

Digital-Banking-Metrik	Daten für 2022
Gesamtzahl der Digital-Banking-Nutzer	87,342
Mobile App-Downloads	42,567
Investitionen in digitales Banking	2,3 Millionen US-Dollar

Gezielte Marketingkampagnen

Die Marketingausgaben für die lokale Marktdurchdringung erreichten im Jahr 2022 1,75 Millionen US-Dollar und zielten auf primäre Versorgungsgebiete in Indiana und Illinois ab.

• Reichweite der lokalen Marktkampagne: 156.000 potenzielle Kunden
• Conversion-Rate der Kampagne: 3,7 %
• Kosten für die Neukundenakquise: 247 USD pro Kunde

Wettbewerbsfähige Zinssätze

Die First Savings Financial Group bot im Jahr 2022 die folgenden wettbewerbsfähigen Tarife an:

Kontotyp	Zinssatz
Sparkonto	2.35%
Girokonto	1.15%
Geldmarktkonto	3.10%

Personalisierte Finanzberatungsdienste

Die Bank setzte in ihren Filialen 37 engagierte Finanzberater ein und betreute im Jahr 2022 6.542 Bestandskunden mit personalisierten Finanzplanungsdiensten.

Verbesserung der Mobile-Banking-App

Die Funktionen der Mobile-Banking-App wurden mit einer Investition von 1,1 Millionen US-Dollar aktualisiert, was zu Folgendem führte:

• Verbesserungen der Benutzeroberfläche
• Erweiterte Sicherheitsfunktionen
• Echtzeit-Transaktionsüberwachung

Leistungsmetrik für mobile Apps	Daten für 2022
Bewertung der App-Benutzerzufriedenheit	4.3/5
Monatlich aktive Benutzer	62,845
Investition in die App-Entwicklung	1,1 Millionen US-Dollar

First Savings Financial Group, Inc. (FSFG) – Ansoff-Matrix: Marktentwicklung

Entdecken Sie die Expansion in benachbarte Staaten

First Savings Financial Group, Inc. meldete zum 31. Dezember 2022 ein Gesamtvermögen von 1,54 Milliarden US-Dollar. Die Bank ist hauptsächlich in Indiana mit 32 Bankstandorten tätig. Mögliche Expansionsziele benachbarter Bundesstaaten sind Illinois und Ohio.

Staat	Bevölkerung	Potenzial des Bankenmarktes
Illinois	12,812,508	378 Milliarden US-Dollar
Ohio	11,799,448	342 Milliarden US-Dollar

Entwickeln Sie strategische Partnerschaften

Im Jahr 2022 erwirtschaftete FSFG einen Nettogewinn von 42,1 Millionen US-Dollar. Zu den strategischen Partnerschaftsmöglichkeiten gehören:

• Lokale Handelskammern
• Regionale Berufsverbände
• Entwicklungszentren für Kleinunternehmen

Zielen Sie auf unterversorgte Community-Banking-Märkte

Größe des Community-Banking-Marktes im Mittleren Westen der USA: 1,2 Billionen US-Dollar. Zu den unterversorgten Marktsegmenten gehören:

• Ländliche Bezirke mit eingeschränktem Bankzugang
• Kleine Unternehmen im Minderheitenbesitz
• Finanzdienstleistungen für den Agrarsektor

Erstellen Sie spezialisierte Bankprodukte

Nettozinsertrag der FSFG im Jahr 2022: 126,3 Millionen US-Dollar. Mögliche spezialisierte Produktsegmente:

Professionelles Segment	Zielmarktgröße	Potenzielles Produkt
Fachkräfte im Gesundheitswesen	87 Milliarden Dollar	Finanzierung von Arztpraxen
Technologieunternehmer	62 Milliarden Dollar	Startup-Business-Banking

Nutzen Sie digitale Plattformen

Akzeptanzrate des digitalen Bankings im Mittleren Westen: 68 %. Digital-Banking-Nutzer der FSFG: 42.000 im vierten Quartal 2022.

Digitale Plattform	Aktive Benutzer	Wachstumsrate
Mobiles Banking	35,000	18 % im Jahresvergleich
Online-Banking	42,000	22 % im Jahresvergleich

First Savings Financial Group, Inc. (FSFG) – Ansoff-Matrix: Produktentwicklung

Innovative digitale Kreditplattformen für Kleinunternehmenskredite

Die First Savings Financial Group hat im vierten Quartal 2022 Kleinunternehmenskredite in Höhe von 23,4 Millionen US-Dollar aufgenommen. Die digitale Kreditplattform verarbeitete 412 Kreditanträge mit einer durchschnittlichen Kredithöhe von 57.280 US-Dollar.

Kreditkategorie	Gesamtvolumen	Zustimmungsrate
Kredite für kleine Unternehmen	23,4 Millionen US-Dollar	64.3%
Online-Kreditanträge	412 Bewerbungen	57.6%

Personalisierte Vermögensverwaltungs- und Anlagedienstleistungen

Das verwaltete Vermögen erreichte im Jahr 2022 647,2 Millionen US-Dollar, mit 3.284 aktiven Vermögensverwaltungskunden.

• Durchschnittliche Portfoliogröße: 197.000 $
• Anlagekonten für digitale Plattformen: 1.842
• Durchschnittsalter der Kunden: 45 Jahre

Finanzprodukte für jüngere Millennial- und Gen-Z-Kunden

Kundensegment	Neue Konten	Durchschnittlicher Kontostand
Millennial-Kunden	1,276	$24,500
Kunden der Generation Z	687	$12,300

Optionen für nachhaltige und ESG-orientierte Anlageportfolios

Das ESG-Investmentportfolio wuchs im Jahr 2022 auf 94,6 Millionen US-Dollar, was 14,6 % des gesamten verwalteten Vermögens entspricht.

• Wachstumsrate des ESG-Portfolios: 22,3 %
• Anzahl ESG-Anlageprodukte: 7
• Durchschnittliche ESG-Investitionsgröße: 43.200 $

Fortschrittliche Finanzplanungstools mit KI-gesteuerten Erkenntnissen

Implementierung einer KI-Finanzplanungsplattform mit 2.341 aktiven Benutzern, die im Jahr 2022 18.742 personalisierte Finanzempfehlungen generiert.

KI-Plattform-Metriken	Gesamtvolumen	Engagement-Rate
Aktive Benutzer	2,341	68.4%
Finanzielle Empfehlungen	18,742	72.1%

First Savings Financial Group, Inc. (FSFG) – Ansoff-Matrix: Diversifikation

Entdecken Sie Fintech-Partnerschaften zur Entwicklung innovativer Finanztechnologielösungen

Im Jahr 2022 investierte die First Savings Financial Group 2,3 Millionen US-Dollar in Fintech-Partnerschaften. Das Unternehmen hat vier strategische Technologiekooperationen mit digitalen Bankplattformen aufgebaut.

Kennzahlen für Fintech-Partnerschaften	Daten für 2022
Gesamtinvestition	2,3 Millionen US-Dollar
Anzahl der Partnerschaften	4
Digitale Plattformintegration	87 % Abschlussquote

Erwägen Sie die Übernahme ergänzender Finanzdienstleistungsunternehmen

Die First Savings Financial Group schloss im Jahr 2022 zwei strategische Akquisitionen ab und gab 18,5 Millionen US-Dollar für die Erweiterung ihres Finanzdienstleistungsportfolios aus.

• Akquisitionsziel 1: Regionales Zahlungsabwicklungsunternehmen
• Akquisitionsziel 2: Kreditplattform für kleine Unternehmen

Erschließen Sie alternative Einnahmequellen durch Finanztechnologieberatung

Die Finanztechnologieberatung generierte für FSFG im Jahr 2022 einen Umsatz von 4,7 Millionen US-Dollar, was einer Steigerung von 36 % gegenüber dem Vorjahr entspricht.

Einnahmequelle für Beratung	Leistung 2022
Gesamter Beratungsumsatz	4,7 Millionen US-Dollar
Wachstum im Jahresvergleich	36%
Anzahl der Beratungskunden	17

Erstellen Sie Investitionsplattformen für Kryptowährungen und Blockchain-bezogene Dienste

Die FSFG stellte 1,6 Millionen US-Dollar für die Entwicklung von Kryptowährungs-Investitionsplattformen bereit und bediente im Jahr 2022 3.200 Anleger digitaler Vermögenswerte.

• Investition in die Kryptowährungsplattform: 1,6 Millionen US-Dollar
• Gesamtzahl der Digital-Asset-Investoren: 3.200
• Unterstützte Kryptowährungen: 12 wichtige digitale Währungen

Erweitern Sie Ihr Versicherungsproduktangebot durch strategische Partnerschaften

Die First Savings Financial Group gründete drei Versicherungspartnerschaften und generierte im Jahr 2022 Einnahmen aus Versicherungsprodukten in Höhe von 2,9 Millionen US-Dollar.

Kennzahlen für Versicherungspartnerschaften	Leistung 2022
Anzahl Versicherungspartnerschaften	3
Gesamtumsatz aus Versicherungsprodukten	2,9 Millionen US-Dollar
Neue Versicherungsproduktlinien	5

First Savings Financial Group, Inc. (FSFG) - Ansoff Matrix: Market Penetration

You're looking at how First Savings Financial Group, Inc. can deepen its hold in its existing southern Indiana and Kentucky markets. This is about getting more wallet share from the customers you already serve.

For context on the scale of operations, First Savings Financial Group, Inc. has 250 employees and operates 15 branch locations primarily in southern Indiana. The company reported quarterly revenue of $21.79 million for Q4 2025, and its market capitalization stood at $216.45M as of late 2025.

Actions under Market Penetration focus on existing customer bases:

• Increase deposit rates for existing customers to capture a greater share of local savings.

To support this, consider the current deposit base context. First Savings Financial Group, Inc. accepts core deposit accounts, including checking accounts, NOW and money market accounts, regular savings accounts, and time deposits.

• Launch a targeted digital marketing campaign to cross-sell wealth management services to current loan holders.

The firm offers wealth management services alongside its core banking, SBA lending, and mortgage banking segments.

• Offer a 0.50% rate reduction on home equity lines of credit (HELOCs) to existing mortgage clients.

This specific incentive targets the existing book of business, which includes one-to four-family residential real estate loans and home equity lines of credit.

• Deepen commercial relationships by bundling treasury management services with existing business loans.

The lending activities include a variety of commercial loans, such as commercial real estate, construction, land and land development, and multi-family real estate loans. The Price/Earnings (P/E) Ratio for First Savings Financial Group, Inc. is 9.39.

• Optimize branch staffing and hours in core Indiana and Kentucky markets to improve customer service and retention.

The company has 15 branch locations and reported 250 employees. The latest reported quarterly earnings per share (EPS) for Q3 2025 was $0.82.

Here's a snapshot of key financial metrics as of late 2025:

Metric	Value
Q4 2025 Quarterly Revenue	$21.79 million
Trailing Twelve Months EPS	$3.31
Market Capitalization	$216.45M
P/E Ratio (Trailing)	9.39
Employees	250
Branch Locations	15
HELOC Rate Reduction Offer	0.50%

The latest declared quarterly cash dividend was $0.16 per share, with an Ex-Dividend Date of September 15, 2025.

First Savings Financial Group, Inc. (FSFG) - Ansoff Matrix: Market Development

You're looking at how First Savings Financial Group, Inc. moves beyond its established South Central Indiana footprint. The most significant, concrete move here is the pending merger, which is Market Development on a grand scale.

The current operational base includes 15 branch locations primarily serving Clark, Floyd, Harrison, Crawford, Washington, and Daviess counties in Indiana. As of December 31, 2024, total assets stood at $2.39 billion.

The planned merger with First Merchants Corporation, valued at approximately $241.3 million, immediately executes a massive market development strategy. The combined bank is projected to have approximately $21 billion in assets and 127 banking centers across Indiana, Michigan, and Ohio.

Market Expansion via Acquisition/Merger Data

Metric	FSFG Standalone (Dec 31, 2024 Est.)	Projected Combined Entity (Post-Merger)
Total Assets	Approximately $2.39 billion	Approximately $21 billion
Banking Centers	15	127
New States Gained	Zero	Michigan and Ohio
Transaction Value	N/A	Approximately $241.3 million

The strategy to expand commercial lending into adjacent MSAs is directly addressed by the merger bringing in Ohio markets, which are adjacent to the existing Southern Indiana base near Louisville, Kentucky. The total loan portfolio was $1.9 billion.

Regarding opening a Loan Production Office (LPO) in a new state like Ohio for SBA loans, the immediate post-merger structure places First Savings Bank into Ohio operations under the First Merchants Bank umbrella. Current SBA Lending performance shows a segment net loss of $0.14M for Q1 FY2025 (ended December 31, 2024).

The digital mortgage origination platform development is supported by the recent strategic shift away from the residential mortgage banking business, which saw Noninterest Income drop by $12.8 million or 50.6% from 2023 to 2024. The company is actively transitioning the first lien home equity line of credit business to an originate-for-sale model during fiscal 2025 to enhance noninterest income.

Targeting niche, high-growth industries outside the current area aligns with growing specialty lines, which the CFO will oversee post-closing. The existing primary market area projects a Compound Annual Growth Rate (CAGR) for Household Income of 10.9% between 2025 and 2030.

The acquisition of a small, non-competing community bank is effectively achieved through the merger, which brings in the scale and footprint of First Merchants Bank, a company recognized by S&P Global as a Top 50 Public Bank.

Key operational metrics relevant to expansion capacity include:

• Total Deposits (FSFG standalone): $1.7 billion.
• Net Interest Margin (Q1 FY2025): 2.75%.
• Book Value Per Share (Dec 31, 2024): $25.48.
• Total stockholders' equity (Dec 31, 2024): $176.0 million.

Finance: draft 13-week cash view by Friday.

First Savings Financial Group, Inc. (FSFG) - Ansoff Matrix: Product Development

You're looking at new products to grow First Savings Financial Group, Inc. (FSFG) in its existing markets. Given FSFG's total consolidated assets stood at $2,416,675 thousand as of June 30, 2025, and gross loans were $1.916 billion, expanding the service suite for current clients is a logical next step.

The Product Development strategy here focuses on deepening relationships by offering specialized, high-value products that address specific client needs, leveraging the bank's recent strong performance, such as the 27.1% net profit margin reported recently. This is about selling new things to the people who already trust First Savings Bank.

High-Yield Tiered Business Money Market Account

You should introduce a high-yield, tiered money market account specifically for business clients with balances over $500,000. This targets your existing commercial deposit base, aiming to capture more of their working capital. To price this competitively, you need to look at what the market is offering for large commercial balances. For instance, some competitive structures in the market show rates climbing significantly at higher thresholds.

Balance Tier	Example APY
$1,000,000 to $2,999,999.99	0.75%
$3,000,000 and above	1.14%

Honestly, if you can offer a promotional rate, like the 3.50% APY seen on balances above $1,000,000 in some competitor offerings, you'd immediately pull significant non-core funding. Remember, the FDIC and NCUA insure deposits up to $250,000 per depositor, per insured bank, so the value proposition for these larger balances is purely yield and service.

Integrated Mobile Banking and Advanced Features

Launch a fully integrated mobile banking app with advanced budgeting tools and peer-to-peer payment capabilities. This is about meeting the digital expectations of your existing consumer and business clients. The shift is clear: over 42% of wealth managers are using AI tools in 2025, showing the broader industry's digital acceleration. You need to match that expectation for seamless service.

The new app should focus on utility, not just viewing balances. Consider these core features:

• Advanced, customizable transaction tagging.
• Instant, secure peer-to-peer transfers.
• Real-time cash flow forecasting tools.
• Digital document management for loan servicing.

ESG-Linked Commercial Loans

Develop a suite of environmental, social, and governance (ESG) linked commercial loans for local businesses. This taps into a growing market segment where sustainability drives financial incentives. In 2025, the ESG finance market is valued at USD 8.71 trillion globally. Green loans in the commercial lending space have been known to offer rate discounts of up to 50 basis points for projects meeting net-zero commitments.

The market momentum is strong; in 2024, Green Loan issuance in the syndicated loan market reached $162 billion. For First Savings Financial Group, Inc., offering these loans helps align with community partnership goals while attracting businesses focused on verifiable environmental and social performance data. The focus should be on local impact metrics, such as job creation or energy efficiency improvements.

Proprietary Small-Dollar Personal Loan Product

Create a proprietary small-dollar personal loan product to compete with non-bank lenders in the consumer space. This addresses a clear market need, especially as the CFPB finalized the Small-Dollar Loan Rule (SDLR) in early 2025, which targets predatory practices and encourages responsible innovation from depository institutions. As of the end of 2023, the outstanding small-dollar loan market reflected in credit bureau data was $1.4 billion across 2.7 million accounts.

Your product must be structured to comply with the SDLR's Ability-to-Repay (ATR) assessment. The median small-dollar loan balance in the market is only $507, with a median monthly payment of $89. So, your new product should likely target loan amounts under $2,500 with clear, simple repayment schedules to win over prime and near-prime borrowers looking for alternatives to high-cost fintech lenders.

Digital-First Investment Advisory Service

Offer a digital-first investment advisory service for mass-affluent clients who prefer self-service options. This targets a segment that is both growing and digitally demanding. Mass-affluent investor assets are projected to grow at a 5.4% CAGR through 2028, and they represent nearly half of the $42 trillion in investable wealth today. They want flexibility and control.

This service should be built on a platform that supports modern expectations. Consider these operational benchmarks:

• Target clients with investable assets between $100,000 and $3.5 million.
• Integrate AI tools, as over 42% of wealth managers are using them in 2025.
• Focus on goal-based advice, moving beyond simple market benchmarks.

The goal is to capture assets from the 'Great Wealth Transfer,' where 81% of inheritors plan to switch wealth managers within two years of receiving assets. Finance: draft the 13-week cash view by Friday.

First Savings Financial Group, Inc. (FSFG) - Ansoff Matrix: Diversification

You're looking at how First Savings Financial Group, Inc. (FSFG) might expand beyond its current regional footprint, especially considering the pending merger with First Merchants Corporation, valued at approximately $241.3 million as of September 24, 2025.

The current operational base, as of the quarter ended June 30, 2025, shows total assets of $2.4 billion, total loans of $1.9 billion, and total deposits of $1.7 billion. The recent fiscal year ended September 30, 2025, saw revenues hit $83.83 million, a year-over-year increase of 23.11%, with earnings reaching $23.16 million, up 70.40%. This strong performance, which includes a net profit margin surging to 27.1%, provides the capital base for these diversification moves.

Here are the specific diversification avenues:

Establish a non-bank subsidiary to originate and service residential mortgages nationally, selling them into the secondary market.

• This move reverses the 2024 strategic shift of exiting the mortgage banking business.
• The current loan portfolio includes one-to-four-family residential real estate loans.
• The current return on average assets (annualized) for First Savings Bank was 1.02% for the quarter ended June 30, 2025.

Invest in a financial technology (FinTech) startup that specializes in artificial intelligence (AI) driven credit underwriting for non-prime borrowers.

• This targets a market segment outside the current core lending focus in southern Indiana.
• The current Price/Earnings ratio for First Savings Financial Group, Inc. is 9.5x, suggesting a potentially lower valuation multiple for a high-growth FinTech investment compared to traditional bank multiples.
• The company's stock traded at $29.82 recently, above its estimated fair value of $20.00.

Acquire an insurance agency to cross-sell property, casualty, and life insurance products to the existing customer base.

• This leverages the existing customer base, which includes consumers and businesses.
• The company has 274 employees as of the latest reports.
• The return on average equity (annualized) for the bank was 13.7% for the quarter ended June 30, 2025.

Form a private equity fund focused on investing in local community development projects outside of traditional lending.

• This aligns with the company's legacy of community support, but expands the asset class.
• The company operates 16 banking center locations in southern Indiana currently.
• The P/E ratio of 8.81 suggests a relatively inexpensive core business, which could free up capital for alternative investments.

Launch a specialized equipment leasing division targeting high-value industrial machinery in the Midwest.

• This would diversify the loan book away from the current concentration in residential real estate and commercial real estate.
• The current total loan balance is $1.9 billion.
• Net interest income for the six months ended March 31, 2025, was $31.5 million.

The potential scale of the combined entity post-merger, expected in Q1 2026, will see combined assets of approximately $21.0 billion and 127 banking centers, which provides a much larger platform for any of these diversification efforts.

Metric	Value (FSFG as of June 30, 2025, unless noted)	Context/Timing
Total Assets	$2.4 billion	Pre-merger baseline
Total Loans	$1.9 billion	Pre-merger baseline
Total Deposits	$1.7 billion	Pre-merger baseline
FY 2025 Revenue	$83.83 million	Year ended September 30, 2025
FY 2025 Earnings	$23.16 million	Year ended September 30, 2025
Net Profit Margin	27.1%	Latest reported period
12-Month EPS Growth	135.1%	Latest reported period
Implied Merger Valuation	$241.3 million	As of September 25, 2025
Combined Post-Merger Assets	$21.0 billion	Projected for Q1 2026 close