62.09 USD
+1.78 (+2.95%)
62.09 USD
0 (0%)
Overall SRCE gets a fundamental rating of 5 out of 10. We evaluated SRCE against 388 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 is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years SRCE has always been profitable.
Each year in the past 5 years SRCE had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SRCE (1.63%) is better than 92.01% of its industry peers.
The Return On Equity of SRCE (11.91%) is better than 80.93% 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
SRCE has a better Profit Margin (35.00%) than 91.75% of its industry peers.
In the last couple of years the Profit Margin of SRCE has grown nicely.
The Operating Margin and Gross Margin are not available for SRCE so they could not be analyzed.
| 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.
SRCE has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SRCE has less shares outstanding
Compared to 1 year ago, SRCE has a worse debt to assets ratio.
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.
The Debt to FCF ratio of SRCE (0.94) is better than 69.07% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that SRCE is not too dependend on debt financing.
The Debt to Equity ratio of SRCE (0.14) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 0.94 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.73%
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.
SRCE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.41% yearly.
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
The Earnings Per Share is expected to grow by 7.62% on average over the next years.
SRCE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.21% yearly.
EPS Next Y20.27%
EPS Next 2Y10.17%
EPS Next 3Y7.62%
EPS Next 5YN/A
Revenue Next Year12.25%
Revenue Next 2Y7.43%
Revenue Next 3Y6.21%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.33, the valuation of SRCE can be described as very reasonable.
69.85% of the companies in the same industry are more expensive than SRCE, based on the Price/Earnings ratio.
SRCE is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
SRCE is valuated reasonably with a Price/Forward Earnings ratio of 9.54.
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 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 9.54 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SRCE is valued a bit cheaper than 78.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| 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)0.51
PEG (5Y)1.23
EPS Next 2Y10.17%
EPS Next 3Y7.62%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.65%, SRCE has a reasonable but not impressive dividend return.
SRCE's Dividend Yield is comparable with the industry average which is at 3.39.
Compared to an average S&P500 Dividend Yield of 2.45, SRCE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
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
SRCE pays out 25.42% of its income as dividend. This is a sustainable payout ratio.
SRCE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.42%
EPS Next 2Y10.17%
EPS Next 3Y7.62%
62.09
+1.78 (+2.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners74.65%
Inst Owner Change-1.33%
Ins Owners26.03%
Ins Owner Change0.81%
Market Cap1.52B
Revenue(TTM)420.79M
Net Income(TTM)147.30M
Analysts77.78
Price Target74.12 (19.38%)
Short Float %1%
Short Ratio2.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend1.45
Dividend Growth(5Y)5.05%
DP25.42%
Div Incr Years26
Div Non Decr Years26
Ex-Date
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)0.93%
PT rev (3m)0.93%
EPS NQ rev (1m)1.22%
EPS NQ rev (3m)1.22%
EPS NY rev (1m)1.67%
EPS NY rev (3m)6.03%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)2.06%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)1.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 9.54 | ||
| P/S | 3.62 | ||
| P/FCF | 8.17 | ||
| P/OCF | 7.57 | ||
| P/B | 1.23 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.01
EY9.68%
EPS(NY)6.51
Fwd EY10.48%
FCF(TTM)7.6
FCFY12.24%
OCF(TTM)8.2
OCFY13.21%
SpS17.15
BVpS50.39
TBVpS46.97
PEG (NY)0.51
PEG (5Y)1.23
Graham Number82.54
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
WACC7.73%
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 Y20.27%
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 Year12.25%
Revenue Next 2Y7.43%
Revenue Next 3Y6.21%
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 of 1ST SOURCE CORP (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.
How financially healthy is 1ST SOURCE CORP?
The financial health rating of 1ST SOURCE CORP (SRCE) is 3 / 10.
What is the expected EPS growth for 1ST SOURCE CORP (SRCE) stock?
The Earnings per Share (EPS) of 1ST SOURCE CORP (SRCE) is expected to grow by 20.27% in the next year.