1ST SOURCE CORP (SRCE) Stock Fundamental Analysis

NASDAQ:SRCE • US3369011032

70.47 USD
+0.52 (+0.74%)
At close: Feb 13, 2026
70.47 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to SRCE. SRCE was compared to 381 industry peers in the Banks industry. While SRCE is still in line with the averages on profitability rating, there are concerns on its financial health. SRCE has a decent growth rate and is not valued too expensively. SRCE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • SRCE had positive earnings in the past year.
  • SRCE had a positive operating cash flow in the past year.
  • Each year in the past 5 years SRCE has been profitable.
  • Each year in the past 5 years SRCE had a positive operating cash flow.
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 50M 100M 150M

1.2 Ratios

  • SRCE has a Return On Assets of 1.63%. This is amongst the best in the industry. SRCE outperforms 91.60% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.91%, SRCE belongs to the top of the industry, outperforming 80.58% of the companies in the same industry.
Industry RankSector Rank
ROA 1.63%
ROE 11.91%
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
SRCE Yearly ROA, ROE, ROICSRCE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 35.00%, SRCE belongs to the top of the industry, outperforming 90.81% of the companies in the same industry.
  • SRCE's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SRCE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 35%
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
SRCE Yearly Profit, Operating, Gross MarginsSRCE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • SRCE has a worse debt/assets ratio than last year.
SRCE Yearly Shares OutstandingSRCE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B

2.2 Solvency

  • SRCE has a debt to FCF ratio of 0.94. This is a very positive value and a sign of high solvency as it would only need 0.94 years to pay back of all of its debts.
  • SRCE's Debt to FCF ratio of 0.94 is fine compared to the rest of the industry. SRCE outperforms 68.77% of its industry peers.
  • SRCE has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
  • SRCE has a Debt to Equity ratio (0.14) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.94
Altman-Z N/A
ROIC/WACCN/A
WACC7.8%
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 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 100M 200M 300M

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

5

3. Growth

3.1 Past

  • SRCE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.69%, which is quite good.
  • Measured over the past years, SRCE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.41% on average per year.
  • SRCE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.54%.
  • Measured over the past years, SRCE shows a small growth in Revenue. The Revenue has been growing by 3.56% on average per year.
EPS 1Y (TTM)14.69%
EPS 3Y4.55%
EPS 5Y8.41%
EPS Q2Q%21.28%
Revenue 1Y (TTM)10.54%
Revenue growth 3Y4.76%
Revenue growth 5Y3.56%
Sales Q2Q%12.99%

3.2 Future

  • SRCE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.17% yearly.
  • Based on estimates for the next years, SRCE will show a small growth in Revenue. The Revenue will grow by 6.37% on average per year.
EPS Next Y21.16%
EPS Next 2Y12.44%
EPS Next 3Y9.17%
EPS Next 5YN/A
Revenue Next Year13.16%
Revenue Next 2Y7.94%
Revenue Next 3Y6.37%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.73, which indicates a very decent valuation of SRCE.
  • Based on the Price/Earnings ratio, SRCE is valued a bit cheaper than the industry average as 63.52% of the companies are valued more expensively.
  • SRCE is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.40, the valuation of SRCE can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, SRCE is valued a bit cheaper than 61.94% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. SRCE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.73
Fwd PE 10.4
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

  • 75.85% of the companies in the same industry are more expensive than SRCE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.2
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

  • SRCE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.55
PEG (5Y)1.39
EPS Next 2Y12.44%
EPS Next 3Y9.17%

More info and screens

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

7

5. Dividend

5.1 Amount

  • SRCE has a Yearly Dividend Yield of 2.29%.
  • Compared to an average industry Dividend Yield of 2.78, SRCE has a dividend in line with its industry peers.
  • SRCE's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.29%

5.2 History

  • The dividend of SRCE has a limited annual growth rate of 5.05%.
  • 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)5.05%
Div Incr Years26
Div Non Decr Years26
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

  • 25.42% 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 earnings are growing more, so the dividend growth is sustainable.
DP25.42%
EPS Next 2Y12.44%
EPS Next 3Y9.17%
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 50M 100M 150M
SRCE Dividend Payout.SRCE Dividend Payout, showing the Payout Ratio.SRCE Dividend Payout.PayoutRetained Earnings

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1ST SOURCE CORP

NASDAQ:SRCE (2/13/2026, 8:00:00 PM)

After market: 70.47 0 (0%)

70.47

+0.52 (+0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners74.7%
Inst Owner Change-0.75%
Ins Owners25.81%
Ins Owner Change-0.19%
Market Cap1.72B
Revenue(TTM)420.79M
Net Income(TTM)147.30M
Analysts77.78
Price Target77.86 (10.49%)
Short Float %0.95%
Short Ratio1.71
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
Yearly Dividend1.45
Dividend Growth(5Y)5.05%
DP25.42%
Div Incr Years26
Div Non Decr Years26
Ex-Date02-03
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.77%
Min EPS beat(2)0.5%
Max EPS beat(2)5.04%
EPS beat(4)3
Avg EPS beat(4)1.92%
Min EPS beat(4)-6.41%
Max EPS beat(4)8.56%
EPS beat(8)6
Avg EPS beat(8)3.9%
EPS beat(12)8
Avg EPS beat(12)4.81%
EPS beat(16)11
Avg EPS beat(16)5.2%
Revenue beat(2)1
Avg Revenue beat(2)0.2%
Min Revenue beat(2)-0.89%
Max Revenue beat(2)1.28%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-1.76%
Max Revenue beat(4)1.28%
Revenue beat(8)3
Avg Revenue beat(8)-0.5%
Revenue beat(12)4
Avg Revenue beat(12)-0.61%
Revenue beat(16)5
Avg Revenue beat(16)-0.75%
PT rev (1m)5.05%
PT rev (3m)5.05%
EPS NQ rev (1m)0.87%
EPS NQ rev (3m)1.25%
EPS NY rev (1m)0.16%
EPS NY rev (3m)0.74%
Revenue NQ rev (1m)1.85%
Revenue NQ rev (3m)2.2%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)0.81%
Valuation
Industry RankSector Rank
PE 11.73
Fwd PE 10.4
P/S 4.08
P/FCF 9.2
P/OCF 8.53
P/B 1.39
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)6.01
EY8.53%
EPS(NY)6.78
Fwd EY9.62%
FCF(TTM)7.66
FCFY10.86%
OCF(TTM)8.26
OCFY11.72%
SpS17.27
BVpS50.74
TBVpS47.29
PEG (NY)0.55
PEG (5Y)1.39
Graham Number82.83
Profitability
Industry RankSector Rank
ROA 1.63%
ROE 11.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35%
GM N/A
FCFM 44.34%
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
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 3Y-0.95%
PM growth 5Y3.83%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.94
Debt/EBITDA N/A
Cap/Depr 173.81%
Cap/Sales 3.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 126.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC7.8%
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)14.69%
EPS 3Y4.55%
EPS 5Y8.41%
EPS Q2Q%21.28%
EPS Next Y21.16%
EPS Next 2Y12.44%
EPS Next 3Y9.17%
EPS Next 5YN/A
Revenue 1Y (TTM)10.54%
Revenue growth 3Y4.76%
Revenue growth 5Y3.56%
Sales Q2Q%12.99%
Revenue Next Year13.16%
Revenue Next 2Y7.94%
Revenue Next 3Y6.37%
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 1Y1.45%
FCF growth 3Y3.46%
FCF growth 5Y3.33%
OCF growth 1Y7.27%
OCF growth 3Y5.14%
OCF growth 5Y3.33%

1ST SOURCE CORP / SRCE FAQ

What is the fundamental rating for SRCE stock?

ChartMill assigns a fundamental rating of 5 / 10 to SRCE.


What is the valuation status for SRCE stock?

ChartMill assigns a valuation rating of 6 / 10 to 1ST SOURCE CORP (SRCE). This can be considered as Fairly Valued.


How profitable is 1ST SOURCE CORP (SRCE) stock?

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


Can you provide the financial health for SRCE stock?

The financial health rating of 1ST SOURCE CORP (SRCE) is 3 / 10.


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 21.16% in the next year.