SRCE 1st Source Corporation - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$73.48
Price · May 20, 2026
Fundamentals as of Apr 23, 2026
52W Range
$57–$76
85% of range
Analyst Rating
BUY
9 analysts
Price Target
$80
+8% upside
P/E (TTM)
9.7
ROE
13.3%
Net Profit Margin
36.5%

SRCE Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$73.48
Market Cap
—
P/E (TTM)
9.7
EPS (TTM)
$6.41
Revenue (TTM)
—
Div Yield
—
ROE
13.3%
Debt/Equity
0.2
52W Range
$57 – $76

SRCE Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income —
EPS $6.41
10-point trend, +188.7%
2016-12-31 → 2025-12-31
Free Cash Flow $213M
10-point trend, +139.0%
2016-12-31 → 2025-12-31
Margins 36.5%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
SRCE
Peer Median
P/E (TTM)
5-point trend, -7.6%
9.7
14.5

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
SRCE
Peer Median
Net Profit Margin
5-point trend, +3.6%
36.5%
24.5%
ROA
5-point trend, +14.3%
1.8%
1.0%
ROE
5-point trend, +0.9%
13.3%
8.7%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
SRCE
Peer Median
Debt / Equity
5-point trend, -14.2%
0.2
14.1

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
SRCE
Peer Median
Revenue YoY
12.0%
—
Revenue CAGR 3Y
6.9%
—
Revenue CAGR 5Y
5.6%
—
EPS YoY
5-point trend, +36.4%
19.6%
—
Net Income YoY
5-point trend, +33.5%
19.3%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
SRCE
Peer Median
EPS (Diluted)
5-point trend, +36.4%
$6.41
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
SRCE
Peer Median
Payout Ratio
5-point trend, -8.1%
24.3%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
—
Payout Ratio
24.3%
5Y Div CAGR
—
Ex-dateAmount
May 5, 2026$0.4300
Feb. 3, 2026$0.4000
Nov. 4, 2025$0.4000
Aug. 5, 2025$0.3800
May 5, 2025$0.3800
Feb. 4, 2025$0.3600
Nov. 5, 2024$0.3600
Aug. 5, 2024$0.3600
May 3, 2024$0.3400
Feb. 2, 2024$0.3400
Nov. 3, 2023$0.3400
July 31, 2023$0.3200
May 1, 2023$0.3200
Feb. 3, 2023$0.3200
Oct. 31, 2022$0.3200
Aug. 1, 2022$0.3200
May 2, 2022$0.3100
Feb. 7, 2022$0.3100
Nov. 1, 2021$0.3100
Aug. 2, 2021$0.3100

SRCE Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 9 analysts
  • Strong Buy 2 22.2%
  • Buy 4 44.4%
  • Hold 3 33.3%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

3 analysts · 2026-05-18
Median target $77.00 +4.8%
Mean target $79.67 +8.4%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.04%
Period EPS Actual EPS Est Surprise
March 31, 2026 $1.63 $1.66 -0.03%
Dec. 31, 2025 $1.67 $1.64 0.03%
Sept. 30, 2025 $1.71 $1.63 0.08%
June 30, 2025 $1.51 $1.50 0.01%
March 31, 2025 $1.52 $1.40 0.12%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
SRCE — 9.7 12.0% 36.5% 13.3% —
CLBK — 30.5 43.8% — — —
NWBI $1.75B 13.0 25.3% 19.2% 7.1% —
STEL — 15.5 -2.3% — — —
FCF $1.73B 11.5 9.4% 29.1% 9.9% —
NBHC $1.44B 13.3 2.9% 232.6% 8.0% —
CHCO — 13.3 3.2% 175.7% 16.6% —
CASH — 9.4 5.3% 22.1% 22.1% —
LOB — 15.4 18.3% 18.3% 9.4% —
GABC $1.47B 12.8 37.8% 23.1% 10.1% —
STBA $1.47B 11.3 4.8% 33.4% 9.2% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 9
Annual Income Statement data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Interest Expense 10-point trend, +658.6% · · $138M $30M $18M $37M $59M $43M $27M $22M $18M $18M
Interest Income 12-point trend, +188.1% $514M $484M $417M $294M $255M $263M $283M $257M $212M $192M $185M $179M
Pretax Income 12-point trend, +142.0% $204M $171M $162M $157M $155M $106M $120M $105M $101M $89M $89M $84M
Income Tax 12-point trend, +74.9% $46M $38M $37M $36M $36M $25M $28M $23M $33M $31M $31M $26M
Net Income 12-point trend, +172.5% $158M $133M $125M $121M $119M $81M $92M $82M $68M $58M $57M $58M
EPS (Basic) 12-point trend, +195.4% $6.41 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.17
EPS (Diluted) 12-point trend, +195.4% $6.41 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.17
Shares (Basic) 12-point trend, -7.4% 24,487,374 24,496,148 24,615,546 24,687,324 25,038,127 25,525,154 25,600,138 25,937,599 25,925,820 25,879,397 26,173,351 26,434,769
Shares (Diluted) 12-point trend, -7.4% 24,487,374 24,496,148 24,615,546 24,687,324 25,038,127 25,525,154 25,600,138 25,937,599 25,925,820 25,879,397 26,173,351 26,434,769
Balance Sheet 15
Annual Balance Sheet data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Cash & Equivalents 6-point trend, +25.9% · · · · · · $83M $99M $78M $108M $80M $66M
PP&E (Net) 12-point trend, +15.9% $58M $53M $46M $45M $47M $49M $52M $52M $55M $57M $53M $50M
PP&E (Gross) 12-point trend, +32.6% $138M $131M $123M $118M $116M $119M $117M $116M $114M $113M $109M $104M
Accum. Depreciation 12-point trend, +48.2% $79M $78M $77M $73M $69M $69M $64M $64M $60M $56M $56M $54M
Goodwill 12-point trend, +0.3% $84M $84M $84M $84M $84M $84M $84M $84M $84M $84M $84M $84M
Intangibles 12-point trend, -100.0% $0 $0 $20.0K $40.0K $60.0K $80.0K $100.0K $130.0K $60.0K $420.0K $1M $2M
Total Assets 12-point trend, +87.5% $9.06B $8.93B $8.73B $8.34B $8.10B $7.32B $6.62B $6.29B $5.89B $5.49B $5.19B $4.83B
Short-term Debt 12-point trend, -2.9% $239M $249M $312M $216M $200M $151M $146M $199M $215M $292M $233M $246M
Total Liabilities 12-point trend, +83.5% $7.74B $7.75B $7.66B $7.42B $7.13B $6.39B $5.77B $5.53B $5.17B $4.81B $4.54B $4.22B
Total Debt 12-point trend, -2.9% $239M $249M $312M $216M $200M $151M $146M $199M $215M $292M $233M $246M
Common Stock 12-point trend, +26.0% $437M $437M $437M $437M $437M $437M $437M $437M $437M $437M $437M $347M
Retained Earnings 12-point trend, +235.9% $1.02B $891M $790M $695M $604M $514M $463M $399M $340M $291M $252M $302M
Treasury Stock 12-point trend, +224.7% $142M $129M $130M $120M $114M $82M $77M $63M $55M $56M $51M $44M
Stockholders' Equity 12-point trend, +107.5% $1.27B $1.11B $990M $864M $916M $887M $828M $762M $719M $673M $644M $614M
Liabilities + Equity 12-point trend, +87.5% $9.06B $8.93B $8.73B $8.34B $8.10B $7.32B $6.62B $6.29B $5.89B $5.49B $5.19B $4.83B
Cash Flow 15
Annual Cash Flow data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Stock-based Comp 12-point trend, +95.0% $6M $6M $5M $4M $4M $3M $3M $4M $3M $3M $4M $3M
Deferred Tax 12-point trend, -224.5% $-5M $2M $-9M $-9M $15M $-24M $-6M $-550.0K $3M $3M $2M $4M
Amort. of Intangibles 12-point trend, -73.2% $260.0K $20.0K $110.0K $20.0K $20.0K $20.0K $30.0K $80.0K $360.0K $580.0K $690.0K $970.0K
Operating Cash Flow 12-point trend, +208.4% $223M $194M $188M $176M $167M $154M $165M $160M $140M $98M $101M $72M
CapEx 12-point trend, +18.8% $10M $12M $6M $2M $3M $3M $8M $3M $5M $9M $9M $8M
Investing Cash Flow 9-point trend, +68.2% $-154M $-277M $-358M $-785M $-599M $-583M $-334M $-458M $-485M · · ·
Debt Issued 9-point trend, -100.0% · · · $0 $0 $10M $0 $0 $20M $21M $0 $7M
Net Debt Issued 12-point trend, +47.8% $-2M $-13M $-3M $-26M $-13M $7M $-3M $-2M $-7M $14M $-1M $-4M
Stock Repurchased 12-point trend, -15.1% $14M $178.0K $12M $7M $33M $6M $15M $9M $41.0K $8M $10M $16M
Net Stock Activity 12-point trend, +15.1% $-14M $-178.0K $-12M $-7M $-33M $-6M $-15M $-9M $-41.0K $-8M $-10M $-16M
Dividends Paid 12-point trend, +117.8% $38M $35M $33M $32M $31M $30M $29M $26M $20M $19M $18M $18M
Financing Cash Flow 9-point trend, -123.5% $-74M $78M $177M $207M $714M $588M $154M $319M $315M · · ·
Taxes Paid 12-point trend, -122.9% $-7M $11M $18M $23M $15M $13M $6M $8M $11M $20M $30M $29M
Free Cash Flow 12-point trend, +190.7% $213M $181M $182M $173M $164M $152M $157M $141M $112M $89M $92M $73M
Levered FCF 10-point trend, +23.6% · · $75M $150M $150M $123M $111M $107M $94M $75M $80M $61M
Profitability 4
Annual Profitability data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Net Margin 12-point trend, +49.6% 36.5% 34.3% 33.8% 34.0% 35.2% 24.7% 28.3% 26.5% 23.9% 22.4% 23.0% 24.4%
Pretax Margin 12-point trend, +32.9% 47.1% 44.2% 43.8% 44.2% 46.0% 32.2% 37.0% 33.8% 35.6% 34.5% 35.4% 35.4%
ROA 12-point trend, +44.3% 1.8% 1.5% 1.5% 1.5% 1.5% 1.2% 1.4% 1.4% 1.2% 1.1% 1.1% 1.2%
ROE 12-point trend, +39.1% 13.3% 12.6% 13.5% 13.5% 13.2% 9.5% 11.6% 11.1% 9.5% 8.6% 9.0% 9.5%
Liquidity & Solvency 1
Annual Liquidity & Solvency data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Debt / Equity 12-point trend, -53.2% 0.2 0.2 0.3 0.2 0.2 0.2 0.2 0.3 0.3 0.4 0.4 0.4
Efficiency 1
Annual Efficiency data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Asset Turnover 12-point trend, -3.4% 0.0 0.0 0.0 0.0 0.0 0.0 0.1 0.1 0.1 0.0 0.0 0.0
Per Share 4
Annual Per Share data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Revenue / Share 12-point trend, +78.7% $17.71 $15.80 $15.00 $14.37 $13.45 $12.92 $12.70 $11.99 $10.97 $9.99 $9.55 $9.91
Cash Flow / Share 12-point trend, +167.7% $9.11 $7.91 $7.63 $7.11 $6.66 $6.05 $6.43 $5.57 $4.52 $3.79 $3.86 $3.40
Dividend / Share 12-point trend, +135.7% $2 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1
EPS (TTM) 12-point trend, +195.4% $6.41 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.17
Growth Rates 10
Annual Growth Rates data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +465.7% 12.0% 4.8% 4.1% 5.3% 2.1% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +80.3% 6.9% 4.8% 3.9% · · · · · · · · ·
Revenue CAGR 5Y 5.6% · · · · · · · · · · ·
EPS YoY 5-point trend, -59.4% 19.6% 6.6% 3.9% 3.0% 48.3% · · · · · · ·
EPS CAGR 3Y 3-point trend, -41.0% 9.8% 4.5% 16.6% · · · · · · · · ·
EPS CAGR 5Y 15.1% · · · · · · · · · · ·
Net Income YoY 5-point trend, -57.6% 19.3% 6.2% 3.6% 1.7% 45.5% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -38.0% 9.5% 3.8% 15.3% · · · · · · · · ·
Net Income CAGR 5Y 14.2% · · · · · · · · · · ·
Dividend CAGR 5Y 5.2% · · · · · · · · · · ·
Valuation (TTM) 6
Annual Valuation (TTM) data for SRCE
Metric Trend 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +82.1% $434M $387M $369M $355M $337M $330M $325M $311M $284M $259M $250M $238M
Net Income TTM 12-point trend, +172.5% $158M $133M $125M $121M $119M $81M $92M $82M $68M $58M $57M $58M
P/E 12-point trend, -38.3% 9.7 10.9 10.9 11.0 10.6 12.7 14.5 12.8 19.0 20.1 14.2 15.8
Earnings Yield 12-point trend, +62.3% 10.3% 9.2% 9.2% 9.1% 9.5% 7.9% 6.9% 7.8% 5.3% 5.0% 7.0% 6.3%
Payout Ratio 12-point trend, -20.1% 24.3% 26.7% 26.5% 26.6% 26.4% 36.5% 31.5% 31.2% 30.0% 33.6% 31.5% 30.4%
Annual Payout 12-point trend, +117.8% $38M $35M $33M $32M $31M $30M $29M $26M $20M $19M $18M $18M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Net Income $158M$133M$125M$121M$119M
Diluted EPS $6.41$5.36$5.03$4.84$4.70
Balance Sheet
2025-12-312024-12-312023-12-312022-12-312021-12-31
Debt / Equity 0.20.20.30.20.2
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $213M$181M$182M$173M$164M

Trading Signals Recent buy/sell signals with entry price and risk/reward ratio

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