1ST SOURCE CORP (SRCE) Fundamental Analysis & Valuation

NASDAQ:SRCE • US3369011032

Current stock price

73.11 USD
-0.79 (-1.07%)
At close:
73.11 USD
0 (0%)
After Hours:

This SRCE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. SRCE Profitability Analysis

1.1 Basic Checks

  • In the past year SRCE was profitable.
  • SRCE had a positive operating cash flow in the past year.
  • In the past 5 years SRCE has always been profitable.
  • In the past 5 years SRCE always reported a positive cash flow from operatings.
SRCE Yearly Net Income VS EBIT VS OCF VS FCFSRCE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • SRCE has a Return On Assets of 1.73%. This is amongst the best in the industry. SRCE outperforms 93.35% of its industry peers.
  • SRCE has a better Return On Equity (12.30%) than 81.65% of its industry peers.
Industry RankSector Rank
ROA 1.73%
ROE 12.3%
ROIC N/A
ROA(3y)1.54%
ROA(5y)1.5%
ROE(3y)12.21%
ROE(5y)12.66%
ROIC(3y)N/A
ROIC(5y)N/A
SRCE Yearly ROA, ROE, ROICSRCE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • SRCE's Profit Margin of 36.16% is amongst the best of the industry. SRCE outperforms 91.49% 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 RankSector Rank
OM N/A
PM (TTM) 36.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.4%
PM growth 5Y8.07%
GM growth 3YN/A
GM growth 5YN/A
SRCE Yearly Profit, Operating, Gross MarginsSRCE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. SRCE Health Analysis

2.1 Basic Checks

  • SRCE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SRCE has been reduced compared to 1 year ago.
  • SRCE has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SRCE has an improved debt to assets ratio.
SRCE Yearly Shares OutstandingSRCE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
SRCE Yearly Total Debt VS Total AssetsSRCE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of SRCE is 1.60, which is an excellent value as it means it would take SRCE, only 1.60 years of fcf income to pay off all of its debts.
  • SRCE's Debt to FCF ratio of 1.60 is in line compared to the rest of the industry. SRCE outperforms 55.05% of its industry peers.
  • A Debt/Equity ratio of 0.27 indicates that SRCE is not too dependend on debt financing.
  • SRCE's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. SRCE is outperformed by 64.89% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for SRCE, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC8.13%
SRCE Yearly LT Debt VS Equity VS FCFSRCE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SRCE Yearly Current Assets VS Current LiabilitesSRCE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SRCE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.59% over the past year.
  • Measured over the past years, SRCE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.12% on average per year.
  • The Revenue has grown by 12.05% in the past year. This is quite good.
  • Measured over the past years, SRCE shows a small growth in Revenue. The Revenue has been growing by 5.64% on average per year.
EPS 1Y (TTM)19.59%
EPS 3Y9.74%
EPS 5Y15.12%
EPS Q2Q%31.5%
Revenue 1Y (TTM)12.05%
Revenue growth 3Y6.93%
Revenue growth 5Y5.64%
Sales Q2Q%13.27%

3.2 Future

  • Based on estimates for the next years, SRCE will show a small growth in Earnings Per Share. The EPS will grow by 4.30% on average per year.
  • Based on estimates for the next years, SRCE will show a small growth in Revenue. The Revenue will grow by 3.80% on average per year.
EPS Next Y5.71%
EPS Next 2Y4.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.44%
Revenue Next 2Y3.8%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SRCE Yearly Revenue VS EstimatesSRCE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
SRCE Yearly EPS VS EstimatesSRCE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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5

4. SRCE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.41, which indicates a very decent valuation of SRCE.
  • Based on the Price/Earnings ratio, SRCE is valued a bit cheaper than 60.37% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. SRCE is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.79 indicates a reasonable valuation of SRCE.
  • SRCE's Price/Forward Earnings is on the same level as the industry average.
  • SRCE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.29.
Industry RankSector Rank
PE 11.41
Fwd PE 10.79
SRCE Price Earnings VS Forward Price EarningsSRCE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SRCE indicates a rather cheap valuation: SRCE is cheaper than 81.91% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.35
EV/EBITDA N/A
SRCE Per share dataSRCE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SRCE does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2
PEG (5Y)0.75
EPS Next 2Y4.3%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SRCE Dividend Analysis

5.1 Amount

  • SRCE has a Yearly Dividend Yield of 2.35%.
  • SRCE's Dividend Yield is comparable with the industry average which is at 2.55.
  • Compared to an average S&P500 Dividend Yield of 1.81, SRCE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.35%

5.2 History

  • On average, the dividend of SRCE grows each year by 6.07%, which is quite nice.
  • SRCE has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SRCE has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.07%
Div Incr Years27
Div Non Decr Years27
SRCE Yearly Dividends per shareSRCE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 24.50% of the earnings are spent on dividend by SRCE. This is a low number and sustainable payout ratio.
  • The dividend of SRCE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP24.5%
EPS Next 2Y4.3%
EPS Next 3YN/A
SRCE Yearly Income VS Free CF VS DividendSRCE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
SRCE Dividend Payout.SRCE Dividend Payout, showing the Payout Ratio.SRCE Dividend Payout.PayoutRetained Earnings

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SRCE Fundamentals: All Metrics, Ratios and Statistics

1ST SOURCE CORP

NASDAQ:SRCE (4/24/2026, 8:09:22 PM)

After market: 73.11 0 (0%)

73.11

-0.79 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22
Earnings (Next)07-22
Inst Owners75.5%
Inst Owner Change0.14%
Ins Owners26.37%
Ins Owner Change0.52%
Market Cap1.78B
Revenue(TTM)433.78M
Net Income(TTM)156.86M
Analysts77.78
Price Target77.86 (6.5%)
Short Float %2.17%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 2.35%
Yearly Dividend1.57
Dividend Growth(5Y)6.07%
DP24.5%
Div Incr Years27
Div Non Decr Years27
Ex-Date02-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.37%
Min EPS beat(2)1.69%
Max EPS beat(2)5.04%
EPS beat(4)4
Avg EPS beat(4)3.95%
Min EPS beat(4)0.5%
Max EPS beat(4)8.56%
EPS beat(8)7
Avg EPS beat(8)4.4%
EPS beat(12)9
Avg EPS beat(12)5.32%
EPS beat(16)12
Avg EPS beat(16)5.57%
Revenue beat(2)0
Avg Revenue beat(2)-1.47%
Min Revenue beat(2)-2.04%
Max Revenue beat(2)-0.89%
Revenue beat(4)2
Avg Revenue beat(4)-0.16%
Min Revenue beat(4)-2.04%
Max Revenue beat(4)1.28%
Revenue beat(8)3
Avg Revenue beat(8)-0.53%
Revenue beat(12)4
Avg Revenue beat(12)-0.67%
Revenue beat(16)5
Avg Revenue beat(16)-0.66%
PT rev (1m)0%
PT rev (3m)5.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.27%
EPS NY rev (1m)0%
EPS NY rev (3m)4.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
Industry RankSector Rank
PE 11.41
Fwd PE 10.79
P/S 4.1
P/FCF 8.35
P/OCF 7.97
P/B 1.4
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)6.41
EY8.77%
EPS(NY)6.78
Fwd EY9.27%
FCF(TTM)8.76
FCFY11.98%
OCF(TTM)9.17
OCFY12.54%
SpS17.83
BVpS52.4
TBVpS48.96
PEG (NY)2
PEG (5Y)0.75
Graham Number86.9359 (18.91%)
Profitability
Industry RankSector Rank
ROA 1.73%
ROE 12.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.16%
GM N/A
FCFM 49.11%
ROA(3y)1.54%
ROA(5y)1.5%
ROE(3y)12.21%
ROE(5y)12.66%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.4%
PM growth 5Y8.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.6
Debt/EBITDA N/A
Cap/Depr 122.19%
Cap/Sales 2.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 135.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC8.13%
ROIC/WACCN/A
Cap/Depr(3y)101.09%
Cap/Depr(5y)66.45%
Cap/Sales(3y)2.38%
Cap/Sales(5y)1.74%
Profit Quality(3y)140.33%
Profit Quality(5y)141.04%
High Growth Momentum
Growth
EPS 1Y (TTM)19.59%
EPS 3Y9.74%
EPS 5Y15.12%
EPS Q2Q%31.5%
EPS Next Y5.71%
EPS Next 2Y4.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.05%
Revenue growth 3Y6.93%
Revenue growth 5Y5.64%
Sales Q2Q%13.27%
Revenue Next Year4.44%
Revenue Next 2Y3.8%
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 1Y17.38%
FCF growth 3Y7.16%
FCF growth 5Y7.04%
OCF growth 1Y15.1%
OCF growth 3Y8.33%
OCF growth 5Y7.63%

1ST SOURCE CORP / SRCE Fundamental Analysis FAQ

What is the fundamental rating for SRCE stock?

ChartMill assigns a fundamental rating of 4 / 10 to SRCE.


Can you provide the valuation status for 1ST SOURCE CORP?

ChartMill assigns a valuation rating of 5 / 10 to 1ST SOURCE CORP (SRCE). This can be considered as Fairly Valued.


Can you provide the profitability details for 1ST SOURCE CORP?

1ST SOURCE CORP (SRCE) has a profitability rating of 5 / 10.


What is the valuation of 1ST SOURCE CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for 1ST SOURCE CORP (SRCE) is 11.41 and the Price/Book (PB) ratio is 1.4.


What is the earnings growth outlook for 1ST SOURCE CORP?

The Earnings per Share (EPS) of 1ST SOURCE CORP (SRCE) is expected to grow by 5.71% in the next year.