1st Source Net Income
| SRCE Stock | USD 70.47 0.52 0.74% |
As of the 14th of February 2026, 1st Source shows the risk adjusted performance of 0.1507, and Mean Deviation of 0.9844. In respect to fundamental indicators, the technical analysis model gives you tools to check existing technical drivers of 1st Source, as well as the relationship between them. Please confirm 1st Source value at risk, as well as the relationship between the semi variance and kurtosis to decide if 1st Source is priced correctly, providing market reflects its regular price of 70.47 per share. Given that 1st Source has jensen alpha of 0.1905, we suggest you to validate 1st Source's prevailing market performance to make sure the company can sustain itself at a future point.
1st Source Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.4508 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 152.5 M | 160.1 M | |
| Net Income Applicable To Common Shares | 138.6 M | 145.5 M | |
| Net Income From Continuing Ops | 152.5 M | 94.7 M | |
| Net Income Per Share | 6.49 | 6.81 | |
| Net Income Per E B T | 0.77 | 0.57 |
1st | Net Income | Build AI portfolio with 1st Stock |
Analyzing 1st Source's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing 1st Source's current valuation and future prospects.
Latest 1st Source's Net Income Growth Pattern
Below is the plot of the Net Income of 1st Source over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in 1st Source financial statement analysis. It represents the amount of money remaining after all of 1st Source operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is 1st Source's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in 1st Source's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 132.62 M | 10 Years Trend |
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Net Income |
| Timeline |
1st Net Income Regression Statistics
| Arithmetic Mean | 86,667,156 | |
| Geometric Mean | 68,282,473 | |
| Coefficient Of Variation | 50.86 | |
| Mean Deviation | 36,040,301 | |
| Median | 81,437,000 | |
| Standard Deviation | 44,077,862 | |
| Sample Variance | 1942.9T | |
| Range | 163.9M | |
| R-Value | 0.96 | |
| Mean Square Error | 146T | |
| R-Squared | 0.93 | |
| Slope | 8,415,537 | |
| Total Sum of Squares | 31085.7T |
1st Net Income History
Other Fundumenentals of 1st Source
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
1st Source Net Income component correlations
1st Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for 1st Source is extremely important. It helps to project a fair market value of 1st Stock properly, considering its historical fundamentals such as Net Income. Since 1st Source's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of 1st Source's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of 1st Source's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could 1st diversify its offerings? Factors like these will boost the valuation of 1st Source. If investors know 1st will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every 1st Source data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.315 | Dividend Share 1.56 | Earnings Share 6.41 | Revenue Per Share | Quarterly Revenue Growth 0.157 |
Understanding 1st Source requires distinguishing between market price and book value, where the latter reflects 1st's accounting equity. The concept of intrinsic value - what 1st Source's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push 1st Source's price substantially above or below its fundamental value.
Please note, there is a significant difference between 1st Source's value and its price as these two are different measures arrived at by different means. Investors typically determine if 1st Source is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, 1st Source's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
1st Source 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to 1st Source's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of 1st Source.
| 11/16/2025 |
| 02/14/2026 |
If you would invest 0.00 in 1st Source on November 16, 2025 and sell it all today you would earn a total of 0.00 from holding 1st Source or generate 0.0% return on investment in 1st Source over 90 days. 1st Source is related to or competes with ST Bancorp, Lakeland Financial, TriCo Bancshares, German American, First Merchants, Merchants Bancorp, and Stellar Bancorp. 1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer ba... More
1st Source Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure 1st Source's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess 1st Source upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.05 | |||
| Information Ratio | 0.127 | |||
| Maximum Drawdown | 5.76 | |||
| Value At Risk | (2.02) | |||
| Potential Upside | 2.21 |
1st Source Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for 1st Source's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as 1st Source's standard deviation. In reality, there are many statistical measures that can use 1st Source historical prices to predict the future 1st Source's volatility.| Risk Adjusted Performance | 0.1507 | |||
| Jensen Alpha | 0.1905 | |||
| Total Risk Alpha | 0.1266 | |||
| Sortino Ratio | 0.1528 | |||
| Treynor Ratio | 0.4413 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of 1st Source's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
1st Source February 14, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1507 | |||
| Market Risk Adjusted Performance | 0.4513 | |||
| Mean Deviation | 0.9844 | |||
| Semi Deviation | 0.8454 | |||
| Downside Deviation | 1.05 | |||
| Coefficient Of Variation | 548.55 | |||
| Standard Deviation | 1.26 | |||
| Variance | 1.6 | |||
| Information Ratio | 0.127 | |||
| Jensen Alpha | 0.1905 | |||
| Total Risk Alpha | 0.1266 | |||
| Sortino Ratio | 0.1528 | |||
| Treynor Ratio | 0.4413 | |||
| Maximum Drawdown | 5.76 | |||
| Value At Risk | (2.02) | |||
| Potential Upside | 2.21 | |||
| Downside Variance | 1.1 | |||
| Semi Variance | 0.7147 | |||
| Expected Short fall | (1.20) | |||
| Skewness | 0.2583 | |||
| Kurtosis | 0.4015 |
1st Source Backtested Returns
1st Source appears to be very steady, given 3 months investment horizon. 1st Source secures Sharpe Ratio (or Efficiency) of 0.23, which signifies that the company had a 0.23 % return per unit of standard deviation over the last 3 months. We have found twenty-eight technical indicators for 1st Source, which you can use to evaluate the volatility of the firm. Please makes use of 1st Source's risk adjusted performance of 0.1507, and Mean Deviation of 0.9844 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, 1st Source holds a performance score of 18. The firm shows a Beta (market volatility) of 0.5, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, 1st Source's returns are expected to increase less than the market. However, during the bear market, the loss of holding 1st Source is expected to be smaller as well. Please check 1st Source's value at risk, kurtosis, price action indicator, as well as the relationship between the semi variance and rate of daily change , to make a quick decision on whether 1st Source's price patterns will revert.
Auto-correlation | 0.53 |
Modest predictability
1st Source has modest predictability. Overlapping area represents the amount of predictability between 1st Source time series from 16th of November 2025 to 31st of December 2025 and 31st of December 2025 to 14th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of 1st Source price movement. The serial correlation of 0.53 indicates that about 53.0% of current 1st Source price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.53 | |
| Spearman Rank Test | 0.52 | |
| Residual Average | 0.0 | |
| Price Variance | 7.35 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
1st Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, 1st Source reported net income of 132.62 M. This is 89.62% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 76.77% higher than that of the company.
1st Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses 1st Source's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of 1st Source could also be used in its relative valuation, which is a method of valuing 1st Source by comparing valuation metrics of similar companies.1st Source is currently under evaluation in net income category among its peers.
1st Source ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, 1st Source's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to 1st Source's managers, analysts, and investors.Environmental | Governance | Social |
1st Source Institutional Holders
Institutional Holdings refers to the ownership stake in 1st Source that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of 1st Source's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing 1st Source's value.| Shares | Manufacturers Life Insurance Co | 2025-06-30 | 257.6 K | Millennium Management Llc | 2025-06-30 | 245.1 K | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 211.9 K | Bridgeway Capital Management, Llc | 2025-06-30 | 207.2 K | Northern Trust Corp | 2025-06-30 | 192.6 K | Renaissance Technologies Corp | 2025-06-30 | 163.9 K | Qube Research & Technologies | 2025-06-30 | 161.6 K | Ubs Group Ag | 2025-06-30 | 157.3 K | Hhg Plc | 2025-06-30 | 139.5 K | 1st Source Bank | 2025-06-30 | 5.2 M | Blackrock Inc | 2025-06-30 | 2 M |
1st Fundamentals
| Return On Equity | 0.13 | ||||
| Return On Asset | 0.0176 | ||||
| Profit Margin | 0.38 % | ||||
| Operating Margin | 0.50 % | ||||
| Current Valuation | 1.97 B | ||||
| Shares Outstanding | 24.37 M | ||||
| Shares Owned By Insiders | 26.37 % | ||||
| Shares Owned By Institutions | 75.76 % | ||||
| Number Of Shares Shorted | 211.65 K | ||||
| Price To Earning | 15.73 X | ||||
| Price To Book | 1.34 X | ||||
| Price To Sales | 4.06 X | ||||
| Revenue | 600 M | ||||
| Gross Profit | 421.22 M | ||||
| EBITDA | 214.03 M | ||||
| Net Income | 132.62 M | ||||
| Cash And Equivalents | 144.52 M | ||||
| Cash Per Share | 5.86 X | ||||
| Total Debt | 340.71 M | ||||
| Debt To Equity | 7.06 % | ||||
| Book Value Per Share | 52.32 X | ||||
| Cash Flow From Operations | 193.85 M | ||||
| Short Ratio | 1.89 X | ||||
| Earnings Per Share | 6.41 X | ||||
| Price To Earnings To Growth | 2.03 X | ||||
| Target Price | 76.33 | ||||
| Number Of Employees | 1.21 K | ||||
| Beta | 0.62 | ||||
| Market Capitalization | 1.71 B | ||||
| Total Asset | 9.06 B | ||||
| Retained Earnings | 1.02 B | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 2.38 % | ||||
| Net Asset | 9.06 B | ||||
| Last Dividend Paid | 1.56 |
About 1st Source Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze 1st Source's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of 1st Source using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of 1st Source based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether 1st Source is a strong investment it is important to analyze 1st Source's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact 1st Source's future performance. For an informed investment choice regarding 1st Stock, refer to the following important reports:Check out For information on how to trade 1st Stock refer to our How to Trade 1st Stock guide.You can also try the Equity Analysis module to research over 250,000 global equities including funds, stocks and ETFs to find investment opportunities.
Will Regional Banks sector continue expanding? Could 1st diversify its offerings? Factors like these will boost the valuation of 1st Source. If investors know 1st will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every 1st Source data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.315 | Dividend Share 1.56 | Earnings Share 6.41 | Revenue Per Share | Quarterly Revenue Growth 0.157 |
Understanding 1st Source requires distinguishing between market price and book value, where the latter reflects 1st's accounting equity. The concept of intrinsic value - what 1st Source's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push 1st Source's price substantially above or below its fundamental value.
Please note, there is a significant difference between 1st Source's value and its price as these two are different measures arrived at by different means. Investors typically determine if 1st Source is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, 1st Source's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.