1st Source Stock Analysis
| SRCE Stock | USD 67.33 1.42 2.15% |
IPO Date 3rd of September 1996 | 200 Day MA 62.0274 | 50 Day MA 64.3264 | Beta 0.636 |
1st Source has over 325.05 Million in debt which may indicate that it relies heavily on debt financing. At present, 1st Source's Total Debt To Capitalization is projected to slightly decrease based on the last few years of reporting. The current year's Cash Flow To Debt Ratio is expected to grow to 0.56, whereas Net Debt is forecasted to decline to about 224.2 M. 1st Source's financial risk is the risk to 1st Source stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
1st Source's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. 1st Source's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps 1st Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect 1st Source's stakeholders.
For most companies, including 1st Source, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for 1st Source, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, 1st Source's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book 1.2888 | Price Sales 3.9058 | Shares Float 17.9 M | Wall Street Target Price 76.3333 | Earnings Share 6.41 |
Given that 1st Source's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which 1st Source is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of 1st Source to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, 1st Source is said to be less leveraged. If creditors hold a majority of 1st Source's assets, the Company is said to be highly leveraged.
At present, 1st Source's Liabilities And Stockholders Equity is projected to increase significantly based on the last few years of reporting. The current year's Common Stock Total Equity is expected to grow to about 527.1 M, whereas Other Stockholder Equity is projected to grow to (110.4 M). . At present, 1st Source's Price Book Value Ratio is projected to increase slightly based on the last few years of reporting. The current year's Price Earnings To Growth Ratio is expected to grow to 0.75, whereas Price To Operating Cash Flows Ratio is forecasted to decline to 6.16. 1st Source is overvalued with Real Value of 56.3 and Target Price of 76.33. The main objective of 1st Source stock analysis is to determine its intrinsic value, which is an estimate of what 1st Source is worth, separate from its market price. There are two main types of 1st Source's stock analysis: fundamental analysis and technical analysis.
The 1st Source stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and 1st Source's ongoing operational relationships across important fundamental and technical indicators.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in 1st Source. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as various price indices. 1st Stock Analysis Notes
About 26.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.29. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. 1st Source has Price/Earnings To Growth (PEG) ratio of 2.03. The entity recorded earning per share (EPS) of 6.41. The firm last dividend was issued on the 3rd of February 2026. 1st Source had 11:10 split on the 3rd of August 2006. 1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance products to individual and business clients. As of December 31, 2021, the company operated through 79 banking centers in 18 counties in Indiana and Michigan, as well as Sarasota County in Florida. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana. 1st Source operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 1130 people. To find out more about 1st Source contact the company at 574 235 2000 or learn more at https://www.1stsource.com.1st Source Quarterly Total Revenue |
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1st Source Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. 1st Source's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding 1st Source or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
| About 75.0% of the company shares are owned by institutional investors | |
| Latest headline from simplywall.st: How Dividend Hike, Earnings Gain and Buybacks At 1st Source Has Changed Its Investment Story |
1st Largest EPS Surprises
Earnings surprises can significantly impact 1st Source's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2003-07-28 | 2003-06-30 | 0.16 | 0.18 | 0.02 | 12 | ||
2005-07-28 | 2005-06-30 | 0.28 | 0.32 | 0.04 | 14 | ||
2002-10-15 | 2002-09-30 | 0.12 | 0.08 | -0.04 | 33 |
1st Source Environmental, Social, and Governance (ESG) Scores
1st Source's ESG score is a quantitative measure that evaluates 1st Source's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of 1st Source's operations that may have significant financial implications and affect 1st Source's stock price as well as guide investors towards more socially responsible investments.
1st Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| 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 Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.65 B.1st Profitablity
The company has Profit Margin (PM) of 0.38 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.5 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.5.| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.14 | 0.13 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.14 | 0.12 |
Management Efficiency
1st Source has return on total asset (ROA) of 0.0176 % which means that it generated a profit of $0.0176 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1266 %, meaning that it created $0.1266 on every $100 dollars invested by stockholders. 1st Source's management efficiency ratios could be used to measure how well 1st Source manages its routine affairs as well as how well it operates its assets and liabilities. As of February 2, 2026, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.13. At present, 1st Source's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 536.5 M, whereas Intangible Assets are forecasted to decline to 1,710.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 43.41 | 45.58 | |
| Tangible Book Value Per Share | 40.33 | 42.34 | |
| Enterprise Value Over EBITDA | 8.24 | 7.83 | |
| Price Book Value Ratio | 1.48 | 1.58 | |
| Enterprise Value Multiple | 8.24 | 7.83 | |
| Price Fair Value | 1.48 | 1.58 | |
| Enterprise Value | 710.2 M | 501.6 M |
1st Source showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Operating Margin | Profit Margin | Forward Dividend Yield 0.0237 | Beta 0.636 | Return On Assets |
Technical Drivers
As of the 2nd of February, 1st Source shows the risk adjusted performance of 0.1188, and Mean Deviation of 0.9962. 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 67.33 per share. Given that 1st Source has jensen alpha of 0.1726, 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 Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. 1st Source middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for 1st Source. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
1st Source Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific 1st Source insiders, such as employees or executives, is commonly permitted as long as it does not rely on 1st Source's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases 1st Source insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
1st Source Outstanding Bonds
1st Source issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. 1st Source uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most 1st bonds can be classified according to their maturity, which is the date when 1st Source has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
1st Source Predictive Daily Indicators
1st Source intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of 1st Source stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
1st Source Corporate Filings
13A | 30th of January 2026 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | ViewVerify |
8K | 23rd of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 15th of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 11th of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 5th of November 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 31st of October 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 30th of October 2025 An amended filing to the original Schedule 13G | ViewVerify |
8K | 24th of October 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
1st Source Forecast Models
1st Source's time-series forecasting models are one of many 1st Source's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary 1st Source's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.1st Source Debt to Cash Allocation
Many companies such as 1st Source, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
1st Source currently holds 325.05 M in liabilities with Debt to Equity (D/E) ratio of 7.06, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about 1st Source's use of debt, we should always consider it together with its cash and equity.1st Source Common Stock Shares Outstanding Over Time
1st Source Assets Financed by Debt
The debt-to-assets ratio shows the degree to which 1st Source uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.1st Source Debt Ratio | 3.98 |
1st Source Corporate Bonds Issued
Most 1st bonds can be classified according to their maturity, which is the date when 1st Source has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
1st Short Long Term Debt Total
Short Long Term Debt Total |
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About 1st Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how 1st Source prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling 1st shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as 1st Source. By using and applying 1st Stock analysis, traders can create a robust methodology for identifying 1st entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.34 | 0.18 | |
| Operating Profit Margin | 0.34 | 0.18 | |
| Net Profit Margin | 0.26 | 0.28 | |
| Gross Profit Margin | 0.70 | 0.55 |
Current 1st Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. 1st analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. 1st analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Consensus | # of Analysts | |
| 76.33 | Buy | 3 | Odds |
Most 1st analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand 1st stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of 1st Source, talking to its executives and customers, or listening to 1st conference calls.
1st Stock Analysis Indicators
1st Source stock analysis indicators help investors evaluate how 1st Source stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading 1st Source shares will generate the highest return on investment. By understating and applying 1st Source stock analysis, traders can identify 1st Source position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 129.7 M | |
| 50 Day M A | 64.3264 | |
| Common Stock Shares Outstanding | 24.4 M | |
| Other Operating Expenses | 394.9 M | |
| Total Cashflows From Investing Activities | -276.6 M | |
| Quarterly Earnings Growth Y O Y | 0.315 | |
| Stock Based Compensation | 5.7 M |
Complementary Tools for 1st Stock analysis
When running 1st Source's price analysis, check to measure 1st Source's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy 1st Source is operating at the current time. Most of 1st Source's value examination focuses on studying past and present price action to predict the probability of 1st Source's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move 1st Source's price. Additionally, you may evaluate how the addition of 1st Source to your portfolios can decrease your overall portfolio volatility.
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