1ST SOURCE CORP (SRCE) Fundamental Analysis & Valuation

NASDAQ:SRCE • US3369011032

Current stock price

68.19 USD
-0.29 (-0.42%)
At close:
68.19 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

  • 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.
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 better Return On Assets (1.73%) than 92.89% of its industry peers.
  • SRCE has a Return On Equity of 12.30%. This is amongst the best in the industry. SRCE outperforms 81.58% 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 has a Profit Margin of 36.16%. This is amongst the best in the industry. SRCE outperforms 91.84% of its industry peers.
  • In the last couple of years the Profit Margin of SRCE has grown nicely.
  • 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.
  • SRCE has less 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 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

  • SRCE has a debt to FCF ratio of 1.60. This is a very positive value and a sign of high solvency as it would only need 1.60 years to pay back of all of its debts.
  • SRCE has a Debt to FCF ratio (1.60) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.27 indicates that SRCE is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.27, SRCE is not doing good in the industry: 63.68% of the companies in the same industry are doing better.
  • Although SRCE's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 1.6
Altman-Z N/A
ROIC/WACCN/A
WACC8.19%
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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4

3. SRCE Growth Analysis

3.1 Past

  • SRCE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.59%, which is quite good.
  • The Earnings Per Share has been growing by 15.12% on average over the past years. This is quite good.
  • Looking at the last year, SRCE shows a quite strong growth in Revenue. The Revenue has grown by 12.05% in the last year.
  • SRCE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.64% yearly.
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.
  • The Revenue is expected to grow by 3.80% on average over the next years.
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

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

  • With a Price/Earnings ratio of 10.64, the valuation of SRCE can be described as very reasonable.
  • Based on the Price/Earnings ratio, SRCE is valued a bit cheaper than the industry average as 66.05% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, SRCE is valued rather cheaply.
  • SRCE is valuated reasonably with a Price/Forward Earnings ratio of 10.06.
  • SRCE's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. SRCE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.64
Fwd PE 10.06
SRCE Price Earnings VS Forward Price EarningsSRCE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SRCE is valued cheaply inside the industry as 82.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.79
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 an expensive valuation of the company.
PEG (NY)1.86
PEG (5Y)0.7
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 2.34%.
  • SRCE's Dividend Yield is comparable with the industry average which is at 2.78.
  • SRCE's Dividend Yield is a higher than the S&P500 average which is at 1.90.
Industry RankSector Rank
Dividend Yield 2.34%

5.2 History

  • On average, the dividend of SRCE grows each year by 6.07%, which is quite nice.
  • 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)6.07%
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

  • 24.50% of the earnings are spent on dividend by SRCE. This is a low number and sustainable payout ratio.
  • SRCE's earnings are growing slower than its dividend. 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 (3/27/2026, 8:00:00 PM)

After market: 68.19 0 (0%)

68.19

-0.29 (-0.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23
Earnings (Next)04-16
Inst Owners75.13%
Inst Owner Change-0.41%
Ins Owners26.18%
Ins Owner Change0.52%
Market Cap1.66B
Revenue(TTM)433.78M
Net Income(TTM)156.86M
Analysts77.78
Price Target77.86 (14.18%)
Short Float %1.54%
Short Ratio2.34
Dividend
Industry RankSector Rank
Dividend Yield 2.34%
Yearly Dividend1.57
Dividend Growth(5Y)6.07%
DP24.5%
Div Incr Years26
Div Non Decr Years26
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)4.27%
EPS NQ rev (3m)4.27%
EPS NY rev (1m)0%
EPS NY rev (3m)4.15%
Revenue NQ rev (1m)2.17%
Revenue NQ rev (3m)2.17%
Revenue NY rev (1m)0.96%
Revenue NY rev (3m)2.11%
Valuation
Industry RankSector Rank
PE 10.64
Fwd PE 10.06
P/S 3.82
P/FCF 7.79
P/OCF 7.44
P/B 1.3
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)6.41
EY9.4%
EPS(NY)6.78
Fwd EY9.94%
FCF(TTM)8.76
FCFY12.84%
OCF(TTM)9.17
OCFY13.45%
SpS17.83
BVpS52.4
TBVpS48.96
PEG (NY)1.86
PEG (5Y)0.7
Graham Number86.94
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
WACC8.19%
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.


What is the valuation status for SRCE stock?

ChartMill assigns a valuation rating of 5 / 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 5.71% in the next year.