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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 Framework: Banks & Lenders Mid Cap
1st Source Corporation (SRCE), is a Mid Cap company, in the Banks - Regional industry, last closed at $89.22, about 36.4% overvalued vs fair value, +47.6% 1Y return, placing in the top 25% of its sector.
Metrics P/E 9.7× Rev Growth 12.0% ROE 13.3% Gross Margin 97.3% Div Yield 2.52%
USD 89.22
2.06%
(Delayed)
• Vol 90d: 17.4%
52-Week Range
Market Cap
$2.15B
Enterprise Value
$2.30B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 96%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 13
Earnings Jan 21 Estimated

Fair Value Snapshot

Bear Base Bull
$31
$57
$106
Current: $89.22 -36% vs base

Engine Room Money Flow™

Mid 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
$433.8M
12.1%%
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
12.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$52.3M
33.3% 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
86
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Deposit Franchise Deposit franchise strength is evident (profitability score 0.86).
  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.90).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
91
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SRCE's balance between Growth (25.4%), Profitability (37.6%), and Safety (37.0%). Growth 25% Safety 37% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

53th percentile vs peers
53
Key Signals
NII Growth YoY 15.7% 67p Equity Growth YoY 14.8% 74p EPS Growth YoY 19.4% 52p Asset Growth YoY 1.4% 25p
Strengths
  • Net Interest Margin in top 20% of peers (3.8%, 85th percentile)
  • ROA in top 20% of peers (1.8%, 87th percentile)
  • Equity/Assets in top 20% of peers (14.6%, 83th percentile)
  • Financial Leverage in top 20% of peers (7.54, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

77th percentile vs peers
77
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$56.72
- - -
-36.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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