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Company Analysis

1st Source Corporation SRCE

A comprehensive view of key metrics, scores, and financial health for 1st Source Corporation

Overview of 1st Source Corporation

SRCE NMS
Financial Services Banks - Regional Small Cap
1st Source Corporation (SRCE), is a Small Cap company, in the Banks - Regional industry, last closed at $67.78, about 22.6% overvalued vs fair value, +8.0% 1Y return, ranked 534/1004 in sector.
$67.78
-0.07%
As of March 13, 2026
Previous close • Vol 90d: 20.2%
52-Week Range
Market Cap
$1.64B
Enterprise Value
$1.91B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.1stsource.com
HQ South Bend, IN
Employees 1,190
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$29
$52
$98
Current: $67.78 -23% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$514.4M
6.3%%
Interest Expense
$166.2M
Net Interest Income
$348.2M
15.7%%
Total Revenue
$600.0M
55%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.8%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$52.3M
39.8% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating 1st Source Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
89
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SRCE's balance between Growth (20.3%), Profitability (39.8%), and Safety (39.9%). Growth 20% Safety 40% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

43th percentile vs peers
43
Key Signals
Rev Growth YoY 55.0% 47p Revenue CAGR 3Y 19.1% 52p Asset Growth YoY 1.4% 28p
Strengths
  • Roe in top 20% of peers (12.6%, 81th percentile)
  • Roa in top 20% of peers (1.5%, 87th percentile)
  • Operating Margin in top 20% of peers (34.2%, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

84th percentile vs peers
84
Key Signals
Strengths
Risks
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Safety

84th percentile vs peers
85
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for 1st Source Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$52.48
- - -
-22.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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