First Savings Financial Group, Inc. (FSFG): ANSOFF MATRIX ANÁLISE [JAN-2025 Atualizado]

No cenário dinâmico dos serviços financeiros, a First Savings Financial Group, Inc. (FSFG) está estrategicamente se posicionando para o crescimento transformador em várias dimensões. Ao elaborar meticulosamente uma matriz abrangente de Ansoff, a instituição não está apenas se adaptando às mudanças no mercado, mas reformulando proativamente sua trajetória estratégica. De inovações bancárias digitais à expansão geográfica e produtos financeiros de ponta, o FSFG está pronto para alavancar 4 Estratégias de crescimento distintas que prometem redefinir seu posicionamento de mercado e desbloquear oportunidades sem precedentes em um ecossistema bancário cada vez mais competitivo.

First Savings Financial Group, Inc. (FSFG) - ANSOFF MATRIX: Penetração de mercado

Expanda os serviços bancários digitais

A partir do quarto trimestre de 2022, o First Savings Financial Group relatou 87.342 usuários ativos de bancos digitais, representando um aumento de 14,3% em relação ao ano anterior. O banco investiu US $ 2,3 milhões em atualizações de infraestrutura digital durante o ano fiscal.

Métrica bancária digital	2022 dados
Total de usuários bancários digitais	87,342
Downloads de aplicativos móveis	42,567
Investimento bancário digital	US $ 2,3 milhões

Campanhas de marketing direcionadas

As despesas de marketing para penetração no mercado local atingiram US $ 1,75 milhão em 2022, visando as áreas de serviço primário em Indiana e Illinois.

• Alcance da campanha do mercado local: 156.000 clientes em potencial
• Taxa de conversão de campanha: 3,7%
• Novo custo de aquisição de clientes: US $ 247 por cliente

Taxas de juros competitivas

O First Savings Financial Group ofereceu as seguintes taxas competitivas em 2022:

Tipo de conta	Taxa de juro
Conta poupança	2.35%
Conta corrente	1.15%
Conta do mercado monetário	3.10%

Serviços de Consultoria Financeira Personalizada

O banco implantou 37 consultores financeiros dedicados em suas agências, atendendo a 6.542 clientes existentes por meio de serviços personalizados de planejamento financeiro em 2022.

Móvel de aplicativo bancário móvel

Os recursos do aplicativo bancário móvel foram atualizados com um investimento de US $ 1,1 milhão, resultando em:

• Melhorias na interface do usuário
• Recursos de segurança aprimorados
• Monitoramento de transações em tempo real

Métrica de desempenho de aplicativo móvel	2022 dados
Classificação de satisfação do usuário do aplicativo	4.3/5
Usuários ativos mensais	62,845
Investimento em desenvolvimento de aplicativos	US $ 1,1 milhão

First Savings Financial Group, Inc. (FSFG) - ANSOFF MATRIX: Desenvolvimento de mercado

Explore a expansão para os estados vizinhos

A First Savings Financial Group, Inc. relatou ativos totais de US $ 1,54 bilhão em 31 de dezembro de 2022. O banco opera principalmente em Indiana com 32 locais bancários. As metas potenciais de expansão do estado vizinhas incluem Illinois e Ohio.

Estado	População	Potencial de mercado bancário
Illinois	12,812,508	US $ 378 bilhões
Ohio	11,799,448	US $ 342 bilhões

Desenvolver parcerias estratégicas

Em 2022, o FSFG gerou receita líquida de US $ 42,1 milhões. As oportunidades de parceria estratégica incluem:

• Câmaras de negócios locais de comércio
• Associações Profissionais Regionais
• Centros de Desenvolvimento de Pequenas Empresas

Target Mercados bancários comunitários mal atendidos

Midwestern dos Estados Unidos Tamanho do mercado bancário comunitário: US $ 1,2 trilhão. Os segmentos de mercado carentes incluem:

• Municípios rurais com acesso bancário limitado
• Pequenas empresas de propriedade minoritária
• Serviços financeiros do setor agrícola

Crie produtos bancários especializados

Receita líquida de juros líquidos da FSFG em 2022: US $ 126,3 milhões. Segmentos potenciais de produtos especializados:

Segmento profissional	Tamanho do mercado -alvo	Produto potencial
Profissionais de saúde	US $ 87 bilhões	Financiamento da prática médica
Empreendedores de tecnologia	US $ 62 bilhões	Startup Business Banking

Aproveite as plataformas digitais

Taxa de adoção bancária digital no Centro -Oeste: 68%. Usuários de banco digital do FSFG: 42.000 a partir do quarto trimestre 2022.

Plataforma digital	Usuários ativos	Taxa de crescimento
Mobile Banking	35,000	18% ano a ano
Bancos online	42,000	22% ano a ano

First Savings Financial Group, Inc. (FSFG) - ANSOFF MATRIX: Desenvolvimento de produtos

Plataformas inovadoras de empréstimos digitais para empréstimos para pequenas empresas

O First Savings Financial Group originou US $ 23,4 milhões em empréstimos para pequenas empresas no quarto trimestre 2022. A plataforma de empréstimos digitais processou 412 pedidos de empréstimo com um tamanho médio de empréstimo de US $ 57.280.

Categoria de empréstimo	Volume total	Taxa de aprovação
Empréstimos para pequenas empresas	US $ 23,4 milhões	64.3%
Pedidos de empréstimo on -line	412 APLICAÇÕES	57.6%

Serviços personalizados de gestão de patrimônio e investimento

Os ativos sob gerenciamento atingiram US $ 647,2 milhões em 2022, com 3.284 clientes ativos de gerenciamento de patrimônio.

• Tamanho médio do portfólio: US $ 197.000
• Contas de investimento em plataforma digital: 1.842
• Idade mediana do cliente: 45 anos

Produtos financeiros para clientes mais jovens da geração do milênio e da geração Z

Segmento de clientes	Novas contas	Balanço médio
Clientes milenares	1,276	$24,500
Clientes da geração Z.	687	$12,300

Opções de portfólio de investimentos sustentáveis ​​e focados em ESG

O portfólio de investimentos da ESG cresceu para US $ 94,6 milhões em 2022, representando 14,6% do total de ativos gerenciados.

• Taxa de crescimento do portfólio ESG: 22,3%
• Número de produtos de investimento ESG: 7
• Tamanho médio do investimento ESG: US $ 43.200

Ferramentas avançadas de planejamento financeiro com idéias orientadas pela IA

Implementou a plataforma de planejamento financeiro da IA ​​com 2.341 usuários ativos, gerando 18.742 recomendações financeiras personalizadas em 2022.

Métricas da plataforma da AI	Volume total	Taxa de engajamento
Usuários ativos	2,341	68.4%
Recomendações financeiras	18,742	72.1%

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

Explore as parcerias FinTech para desenvolver soluções inovadoras de tecnologia financeira

Em 2022, o First Savings Financial Group investiu US $ 2,3 milhões em parcerias de fintech. A empresa estabeleceu 4 colaborações de tecnologia estratégica com plataformas bancárias digitais.

Fintech Partnership Metrics	2022 dados
Investimento total	US $ 2,3 milhões
Número de parcerias	4
Integração da plataforma digital	Taxa de conclusão de 87%

Considere a aquisição de negócios de serviços financeiros complementares

O First Savings Financial Group concluiu 2 aquisições estratégicas em 2022, gastando US $ 18,5 milhões na expansão de seu portfólio de serviços financeiros.

• Meta de aquisição 1: empresa de processamento de pagamento regional
• Alvo de aquisição 2: Plataforma de empréstimos para pequenas empresas

Desenvolva fluxos de receita alternativos através da consultoria de tecnologia financeira

A Financial Technology Consulting gerou US $ 4,7 milhões em receita para o FSFG em 2022, representando um aumento de 36% em relação ao ano anterior.

Consultoria de receita	2022 Performance
Receita total de consultoria	US $ 4,7 milhões
Crescimento ano a ano	36%
Número de clientes de consultoria	17

Crie plataformas de investimento para criptomoedas e serviços relacionados a blockchain

O FSFG alocou US $ 1,6 milhão no desenvolvimento de plataformas de investimento em criptomoedas, atendendo a 3.200 investidores de ativos digitais em 2022.

• Investimento da plataforma de criptomoeda: US $ 1,6 milhão
• Investidores de ativos digitais totais: 3.200
• Criptomoedas suportadas: 12 principais moedas digitais

Expanda em ofertas de produtos de seguros por meio de parcerias estratégicas

O First Savings Financial Group estabeleceu 3 parcerias de seguros, gerando US $ 2,9 milhões em receita de produtos de seguros durante 2022.

Métricas de Parceria de Seguro	2022 Performance
Número de parcerias de seguro	3
Receita total de produtos de seguro	US $ 2,9 milhões
Novas linhas de produtos de seguro	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