1st Source Corp

  • Earnings Score
  • Safety Score
  • Market Cap $1.48B
  • PE 11
  • Debt $61.18M
  • Cash $222.82M
  • EV $1.32B
  • FCF $209.38M

Earnings

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Sales & Net Margins

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Earnings$140.68M
ROE12%
FCF$209.38M
Equity$1.22B
Growth Stability100%
PE10.55
PEG0.97
PB1.22
P/FCF7.09
Price/Cash0.15
Debt/Equity0.05
Debt/FCF0.29
Earnings CAGR10%
FCF CAGR8%
Equity CAGR7%
Earnings Stability0.78
Earnings Growth YoY27%
Earnings Growth QoQ19%
Earnings CAGR 5Y11%
FCF CAGR 5Y5%
Equity CAGR 5Y6%
FCF CAGR 3Y5%
Equity CAGR 3Y13%
Market Cap$1.48B
Dividend Yield2%
Payout Ratio26%
Assets$8.96B
Total Debt$61.18M
Cash$222.82M
Shares Outstanding24.55M
EV1.32B
Earnings Score91%
Safety Score98%
Shares Growth 3y-0%
Equity Growth QoQ3%
Equity Growth YoY13%

Assets & ROA

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Stockholders Equity & ROE

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1st Source Corp along with its subsidiary offers banking services. The bank provides Commercial, Agricultural, and Real Estate Loans which are given to privately owned business clients mainly located within regional market area, Consumer Services that consists of full range of consumer banking products and services, Trust and Wealth Advisory Services which includes wide range of trust, investment, agency, and custodial services for individual, corporate, and not-for-profit clients, and Specialty Finance Group Services that provide a broad range of comprehensive equipment loan and lease products addressing the financing needs of a broad array of companies.

SEC Filings

Direct access to 1st Source Corp (SRCE) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-Q Mar 31
  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does 1st Source Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of 1st Source Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 10%
Stability 78%
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1st Source Corp Discounted Cash Flow

Fully customizable DCF calculator online for 1st Source Corp.

= $3.6B
012345678910TV
fcf$209M$226M$244M$263M$283M$306M$330M$356M$384M$414M$447M$4.5B
DCF$205M$201M$197M$194M$190M$186M$183M$179M$176M$172M$1.7B
Value$3.6B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins-----------
ROA-2%2%2%3%2%2%2%3%--
ROE-9%9%11%11%9%12%13%12%11%12%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF-3.281.61.270.930.991.221.241.721.370.29
Debt over Equity0.360.430.30.260.170.160.210.230.290.210.05
Growth Stability---100%100%100%100%100%100%100%100%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth-----------
Earnings YoY growth-1%18%22%12%-11%46%2%4%6%11%
Equity YoY growth-4%7%6%11%10%4%-5%16%11%6%
FCF YoY growth--3%51%17%-0%-3%8%6%5%-0%5%