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1st Source Corporation SRCE R2K

Financial Services · Banks - Regional · United States
https://www.1stsource.com
Company Profile ↓
$81.50
+28.88% 1Y
Mkt Cap$1.96B
P/E12.50
P/B1.47
Div. Yield2.19%
52W High$83.31
52W Low$56.50
Book Value$53.54
EPS (TTM)$6.52

Company Overview

1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance products to individual and business clients in the United States. The company's consumer banking services, which include checking and savings accounts; certificates of deposit; health savings and individual retirement accounts; online and mobile banking products; consumer loans, real estate mortgage loans, and home equity lines of credit; and financial planning, financial literacy, and other consultative services, as well as debit and credit cards. It also provides commercial, small business, agricultural, and real estate loans for financing of industrial and commercial properties, equipment, inventories, accounts receivables, acquisition, and general corporate purposes; and commercial leasing, treasury management, payment services, Fedwires, ACH and merchant services, and retirement planning services, as well as construction and permanent loans and tax equity investments for community solar, commercial and industrial, small utility scale, university, and municipal projects. In addition, the company offers trust, investment, agency, and custodial services for individual, estate and trust, corporate, and not-for-profit customers, as well as employee benefit plans and charitable foundations. Further, it provides equipment loan and lease products for construction equipment, aircraft, autos and light trucks, and medium and heavy-duty trucks; and financing services for construction equipment, new and pre-owned private and cargo aircraft, and various vehicle types for fleet purposes. Additionally, it offers property, casualty, individual and group health, and life insurance products and services for individuals and businesses; and owns and manages available-for-sale investment securities. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 12.1% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.5, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 37.7%.

Dividend Income

Offers a dividend yield of 2.19%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +5.1%, earnings +7.5%.
  • 5-Year Trend Long-term compounding — profit CAGR 12.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:5.10%

Compounded Profit Growth

5 Years:12.09%
1 Year:7.50%

Stock Price Performance

1 Year:+28.88%
6 Months:+29.34%
3 Months:+10.89%
1 Month:+4.72%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 93% of range
$56.50 $83.31
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)61.11 · Neutral
Price Performance
1M+4.72%
3M+10.89%
6M+29.34%
1Y+28.88%
Valuation vs Sector

P/E of 12.50 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 37.7%.
  • Profit CAGR of 12.1% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.50
Industry PE
13.30
Forward P/E
11.65
PEG Ratio
1.37
Book Value
$53.54
Price to Book
1.47
P/S
4.43
EV/EBITDA
-
Dividend Yield
2.19%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
12.09%
Revenue (YoY)
5.10%
Earnings (YoY)
7.50%

Profitability & Returns

ROCE
-
ROE
12.65%
ROA
1.78%
Profit Margin
37.70%
Op Margin
49.87%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.63
EPS (TTM)
$6.52

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$397.49M
Total Assets
$9.11B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
26.94%
Chg in Prom Hold
-0.01%
FII / Inst Holding
76.26%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$1.96B
Total Revenue (TTM)
$426.31M
EBITDA
-
Free Cash Flow
$213.03M
Operating Cash Flow
$210.47M
Shares Outstanding
24.07M
Gross Margin
0.00%
Payout Ratio
23.93%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SRCE 1st Source Corporation R2K 81.50 12.50 $1.96B 2.19% - 12.65% - 12.09%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Net Income 12.40M13.94M14.90M13.63M14.49M14.95M13.51M15.63M13.93M13.82M14.48M14.26M16.21M16.67M17.18M19.12M21.96M19.89M22.20M---------------------
Diluted EPS 0.500.560.600.550.540.560.510.590.530.530.560.550.620.640.660.730.840.760.860.910.950.640.720.781.101.191.291.101.181.321.251.301.321.191.491.411.521.511.711.63

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 25.49M41.24M48.20M49.63M54.96M58.07M57.49M57.79M68.05M82.41M91.96M81.44M118.53M120.51M124.93M132.62M158.28M
Diluted EPS 0.791.211.962.022.032.172.172.222.603.163.573.174.704.845.035.366.41

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --4.45B4.37B4.55B4.72B4.83B5.19B5.49B5.89B6.29B6.62B7.32B8.10B8.34B8.73B8.93B9.06B
Total Equity 453.66M570.32M486.38M523.92M558.65M585.38M614.47M644.05M672.65M718.54M762.08M828.28M886.85M916.25M864.07M989.57M1.11B1.27B
Cash & Equivalents 120.46M210.10M96.87M114.33M83.93M80.05M66.19M79.72M108.30M78.03M99.08M83.36M------
Total Liabilities --3.96B3.85B3.99B4.14B4.22B4.54B4.81B5.17B5.53B5.77B6.39B7.13B7.42B7.66B7.75B7.74B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow --------139.70M159.69M164.61M154.49M166.76M175.53M187.94M193.85M223.12M
Investing Cash Flow ---------484.64M-457.95M-333.92M-582.66M-598.56M-784.87M-358.29M-276.61M-154.22M
Financing Cash Flow --------314.67M319.30M153.60M587.85M713.94M206.95M177.22M77.91M-73.87M
Capital Expenditure -2.26M-2.52M-11.42M-9.48M-6.51M-8.49M-9.50M-8.94M-5.44M-3.06M-8.03M-2.85M-2.89M-2.38M-5.98M-12.37M-10.08M
Free Cash Flow --------134.25M156.64M156.57M151.64M163.88M173.15M181.96M181.49M213.03M
Share Buybacks 1.30M2.14M2.24M3.70M2.27M16.34M9.97M8.03M41.00K9.27M15.09M6.42M33.14M6.84M12.47M178.00K13.87M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 4.5%8.5%9.2%8.9%9.4%9.5%8.9%8.6%9.5%10.8%11.1%9.2%12.9%13.9%12.6%11.9%12.4%
ROCE % -----------------

Shareholding Pattern

Insiders
26.94%
Institutions
76.26%
Public Float
104.38%

Top Institutional Holders

#Holder% HeldSharesValue
1 1ST SOURCE BANK 21.52% 5.18M $423.14M
2 Blackrock Inc. 8.16% 1.96M $160.43M
3 Dimensional Fund Advisors LP 6.09% 1.47M $119.78M
4 Vanguard Capital Management LLC 3.21% 773.32K $63.18M
5 State Street Corporation 2.57% 619.16K $50.59M
6 Charles Schwab Investment Management, Inc. 2.34% 562.43K $45.95M
7 Geode Capital Management, LLC 2.13% 513.71K $41.97M
8 American Century Companies Inc 1.93% 464.10K $37.92M
9 Janus Henderson Group PLC 1.91% 460.42K $37.62M
10 Alliancebernstein L.P. 1.54% 371.03K $30.31M

Analyst View

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Latest News

Recent headlines for SRCE

Google News Mon, 29 Jun 2026

1st Source (SRCE) Is Up 6.57% in One Week: What You Should Know - Yahoo Finance

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Google News Fri, 10 Jul 2026

(SRCE) Movement as an Input in Quant Signal Sets - Stock Traders Daily

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Google News Mon, 06 Jul 2026

Oliver Carmichael amends 13G; holds 4.9% of 1st Source (SRCE) - Stock Titan

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Google News hu, 02 Jul 2026

Is 1st Source (SRCE) Expensive Following Analyst Momentum And Rising Earnings Estimates? - simplywall.st

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Google News ue, 23 Jun 2026

1 Small-Cap Stock Worth Investigating and 2 We Question - StockStory

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Google News Wed, 17 Jun 2026

Why 1st Source (SRCE) is a Great Dividend Stock Right Now - Yahoo Finance

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SRCE — Frequently Asked Questions

What is the current share price of 1st Source Corporation (SRCE)?

As of 2026-07-14 21:23 PDT, 1st Source Corporation (SRCE) trades at $81.50 on NasdaqGS. Its 52-week range is $56.50 to $83.31.

What is the market capitalisation of SRCE?

1st Source Corporation (SRCE) has a market capitalisation of $1.96B on NasdaqGS.

What is the P/E ratio of SRCE?

SRCE trades at a trailing price-to-earnings (P/E) ratio of 12.50. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.47.

Does SRCE pay a dividend?

1st Source Corporation (SRCE) currently offers a dividend yield of 2.19%.

What is the return on equity (ROE) of SRCE?

SRCE has a return on equity (ROE) of 12.65%.

Is SRCE a good stock to buy?

This page provides a data-driven analysis of 1st Source Corporation (SRCE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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