SRCE Fundamental Analysis - 1ST SOURCE CORP

Fundamental Rating

SRCE gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. SRCE has a medium profitability rating, but doesn't score so well on its financial health evaluation. SRCE has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

SRCE had positive earnings in the past year.

In the past year SRCE had a positive cash flow from operations.

SRCE had positive earnings in each of the past 5 years.

SRCE had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of SRCE (1.54%) is better than 90.05% of its industry peers.

With an excellent Return On Equity value of 11.68%, SRCE belongs to the best of the industry, outperforming 80.36% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.54%
ROE	11.68%
ROIC	N/A

ROA(3y)1.44%

ROA(5y)1.38%

ROE(3y)12.72%

ROE(5y)12.02%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of SRCE (34.31%) is better than 90.31% of its industry peers.

SRCE's Profit Margin has improved in the last couple of years.

SRCE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.31%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.95%

PM growth 5Y3.83%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SRCE does not have a ROIC to compare to the WACC, probably because it is not profitable.

SRCE has more shares outstanding than it did 1 year ago.

SRCE has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, SRCE has a worse debt to assets ratio.

2.2 Solvency

SRCE has a debt to FCF ratio of 1.02. This is a very positive value and a sign of high solvency as it would only need 1.02 years to pay back of all of its debts.

SRCE's Debt to FCF ratio of 1.02 is fine compared to the rest of the industry. SRCE outperforms 68.37% of its industry peers.

A Debt/Equity ratio of 0.18 indicates that SRCE is not too dependend on debt financing.

The Debt to Equity ratio of SRCE (0.18) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.02
Altman-Z	N/A

ROIC/WACCN/A

WACC7.81%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SRCE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.87%, which is quite good.

The Earnings Per Share has been growing by 8.41% on average over the past years. This is quite good.

The Revenue has grown by 8.40% in the past year. This is quite good.

SRCE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.56% yearly.

EPS 1Y (TTM)10.87%

EPS 3Y4.55%

EPS 5Y8.41%

EPS Q2Q%1.34%

Revenue 1Y (TTM)8.4%

Revenue growth 3Y4.76%

Revenue growth 5Y3.56%

Sales Q2Q%11.29%

3.2 Future

The Earnings Per Share is expected to grow by 9.40% on average over the next years. This is quite good.

Based on estimates for the next years, SRCE will show a small growth in Revenue. The Revenue will grow by 6.71% on average per year.

EPS Next Y18.5%

EPS Next 2Y9.4%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year11.8%

Revenue Next 2Y6.71%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

SRCE is valuated reasonably with a Price/Earnings ratio of 11.15.

Based on the Price/Earnings ratio, SRCE is valued a bit cheaper than the industry average as 69.13% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.38, SRCE is valued rather cheaply.

The Price/Forward Earnings ratio is 9.92, which indicates a very decent valuation of SRCE.

SRCE's Price/Forward Earnings is on the same level as the industry average.

SRCE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.15
Fwd PE	9.92

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SRCE is valued cheaper than 84.95% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.58
EV/EBITDA	N/A

4.3 Compensation for Growth

SRCE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.6

PEG (5Y)1.33

EPS Next 2Y9.4%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SRCE has a Yearly Dividend Yield of 2.33%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.54, SRCE is paying slightly less dividend.

SRCE's Dividend Yield is comparable with the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.33%

5.2 History

The dividend of SRCE has a limited annual growth rate of 5.05%.

SRCE has paid a dividend for at least 10 years, which is a reliable track record.

SRCE has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)5.05%

Div Incr Years26

Div Non Decr Years26

5.3 Sustainability

26.39% of the earnings are spent on dividend by SRCE. This is a low number and sustainable payout ratio.

SRCE's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP26.39%

EPS Next 2Y9.4%

EPS Next 3YN/A

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1ST SOURCE CORP

NASDAQ:SRCE (9/19/2025, 8:00:00 PM)

After market: 63.65 0 (0%)

63.65

-1.56 (-2.39%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners75.83%

Inst Owner Change-1.92%

Ins Owners25.58%

Ins Owner Change0.52%

Market Cap1.56B

Analysts77.78

Price Target73.44 (15.38%)

Short Float %0.96%

Short Ratio2.41

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.33%

Yearly Dividend1.45

Dividend Growth(5Y)5.05%

DP26.39%

Div Incr Years26

Div Non Decr Years26

Ex-Date08-05 2025-08-05 (0.38)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.53%

Min EPS beat(2)0.5%

Max EPS beat(2)8.56%

EPS beat(4)3

Avg EPS beat(4)1.52%

Min EPS beat(4)-6.41%

Max EPS beat(4)8.56%

EPS beat(8)6

Avg EPS beat(8)5.48%

EPS beat(12)8

Avg EPS beat(12)5.32%

EPS beat(16)11

Avg EPS beat(16)6.06%

Revenue beat(2)2

Avg Revenue beat(2)1.15%

Min Revenue beat(2)1.01%

Max Revenue beat(2)1.28%

Revenue beat(4)2

Avg Revenue beat(4)-0.25%

Min Revenue beat(4)-1.76%

Max Revenue beat(4)1.28%

Revenue beat(8)4

Avg Revenue beat(8)-0.1%

Revenue beat(12)5

Avg Revenue beat(12)-0.46%

Revenue beat(16)6

Avg Revenue beat(16)-0.43%

PT rev (1m)0%

PT rev (3m)4.35%

EPS NQ rev (1m)0%

EPS NQ rev (3m)8.03%

EPS NY rev (1m)0%

EPS NY rev (3m)4.89%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.79%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.05%

Valuation

		Industry Rank	Sector Rank
PE	11.15
Fwd PE	9.92
P/S	3.83
P/FCF	7.58
P/OCF	7.15
P/B	1.3
P/tB	1.4
EV/EBITDA	N/A

EPS(TTM)5.71

EY8.97%

EPS(NY)6.42

Fwd EY10.08%

FCF(TTM)8.39

FCFY13.19%

OCF(TTM)8.91

OCFY13.99%

SpS16.63

BVpS48.84

TBVpS45.42

PEG (NY)0.6

PEG (5Y)1.33

Profitability

		Industry Rank	Sector Rank
ROA	1.54%
ROE	11.68%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.31%
GM	N/A
FCFM	50.48%

ROA(3y)1.44%

ROA(5y)1.38%

ROE(3y)12.72%

ROE(5y)12.02%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.95%

PM growth 5Y3.83%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	1.02
Debt/EBITDA	N/A
Cap/Depr	144.53%
Cap/Sales	3.07%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	147.16%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC7.81%

ROIC/WACCN/A

Cap/Depr(3y)65.39%

Cap/Depr(5y)44.06%

Cap/Sales(3y)1.83%

Cap/Sales(5y)1.45%

Profit Quality(3y)143.34%

Profit Quality(5y)151.36%

High Growth Momentum

Growth

EPS 1Y (TTM)10.87%

EPS 3Y4.55%

EPS 5Y8.41%

EPS Q2Q%1.34%

EPS Next Y18.5%

EPS Next 2Y9.4%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.4%

Revenue growth 3Y4.76%

Revenue growth 5Y3.56%

Sales Q2Q%11.29%

Revenue Next Year11.8%

Revenue Next 2Y6.71%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y10.34%

FCF growth 3Y3.46%

FCF growth 5Y3.33%

OCF growth 1Y14.97%

OCF growth 3Y5.14%

OCF growth 5Y3.33%

1ST SOURCE CORP (SRCE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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