63.43 USD
-0.08 (-0.13%)
63.43 USD
0 (0%)
Overall SRCE gets a fundamental rating of 5 out of 10. We evaluated SRCE against 383 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. SRCE also has an excellent dividend rating.
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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.63%, SRCE belongs to the top of the industry, outperforming 91.38% of the companies in the same industry.
SRCE has a Return On Equity of 11.91%. This is amongst the best in the industry. SRCE outperforms 80.94% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of SRCE (35.00%) is better than 91.12% 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) | 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
2. Health
2.1 Basic Checks
SRCE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SRCE has more shares outstanding
The number of shares outstanding for SRCE has been reduced compared to 5 years ago.
SRCE has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SRCE is 0.94, which is an excellent value as it means it would take SRCE, only 0.94 years of fcf income to pay off all of its debts.
SRCE's Debt to FCF ratio of 0.94 is fine compared to the rest of the industry. SRCE outperforms 68.67% 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Earnings Per Share has been growing by 8.41% on average over the past years. This is quite good.
SRCE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.54%.
SRCE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.56% yearly.
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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.62% yearly.
The Revenue is expected to grow by 5.87% on average over the next years.
EPS Next Y20.97%
EPS Next 2Y10.17%
EPS Next 3Y7.62%
EPS Next 5YN/A
Revenue Next Year12.63%
Revenue Next 2Y7.33%
Revenue Next 3Y5.87%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.55, the valuation of SRCE can be described as very reasonable.
Based on the Price/Earnings ratio, SRCE is valued a bit cheaper than 74.67% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. SRCE is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.75, which indicates a very decent valuation of SRCE.
62.14% of the companies in the same industry are more expensive than SRCE, based on the Price/Forward Earnings ratio.
SRCE is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 9.75 |
4.2 Price Multiples
77.02% of the companies in the same industry are more expensive than SRCE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)1.26
EPS Next 2Y10.17%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.47%, SRCE has a reasonable but not impressive dividend return.
SRCE's Dividend Yield is comparable with the industry average which is at 2.90.
Compared to an average S&P500 Dividend Yield of 1.92, SRCE pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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
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 2Y10.17%
EPS Next 3Y7.62%
63.43
-0.08 (-0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.7%
Inst Owner Change0.01%
Ins Owners25.81%
Ins Owner Change-0.19%
Market Cap1.55B
Revenue(TTM)420.79M
Net Income(TTM)147.30M
Analysts77.78
Price Target74.12 (16.85%)
Short Float %1.05%
Short Ratio2.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
Yearly Dividend1.45
Dividend Growth(5Y)5.05%
DP25.42%
Div Incr Years26
Div Non Decr Years26
Ex-DateN/A
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)0%
PT rev (3m)0.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.6%
EPS NY rev (1m)0%
EPS NY rev (3m)2.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 9.75 | ||
| P/S | 3.68 | ||
| P/FCF | 8.31 | ||
| P/OCF | 7.7 | ||
| P/B | 1.25 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.01
EY9.48%
EPS(NY)6.51
Fwd EY10.26%
FCF(TTM)7.64
FCFY12.04%
OCF(TTM)8.24
OCFY12.99%
SpS17.22
BVpS50.61
TBVpS47.18
PEG (NY)0.5
PEG (5Y)1.26
Graham Number82.73
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.85%
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 Y20.97%
EPS Next 2Y10.17%
EPS Next 3Y7.62%
EPS Next 5YN/A
Revenue 1Y (TTM)10.54%
Revenue growth 3Y4.76%
Revenue growth 5Y3.56%
Sales Q2Q%12.99%
Revenue Next Year12.63%
Revenue Next 2Y7.33%
Revenue Next 3Y5.87%
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 20.97% in the next year.