1St Source (SRCE)
NASDAQ:SRCE
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SRCE Stock Chart & Stats
$74.65
-$0.28(-0.49%)
At close: 4:00 PM EST
$74.65
-$0.28(-0.49%)
Day’s Range― - ―
52-Week Range$56.89 - $86.64
Previous CloseN/A
Volume11.79K
Average Volume (3M)141.20K
Market Cap
$1.86B
Enterprise Value$2.18B
Total Cash (Recent Filing)$1.30B
Total Debt (Recent Filing)$383.45M
Price to Earnings (P/E)11.7
Beta0.71
Next Earnings
Jul 16, 2026EPS Estimate
1.71Next Dividend Ex-DateN/A
Dividend Yield2.37%
Share Statistics
EPS (TTM)6.56
Shares Outstanding24,068,892
10 Day Avg. Volume199,194
30 Day Avg. Volume141,198
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)1.20
Price to Sales (P/S)2.54
P/FCF Ratio7.15
Enterprise Value/Market Cap1.17
Enterprise Value/Revenue3.63
Enterprise Value/Gross Profit5.12
Enterprise Value/Ebitda10.04
Forecast
1Y Price Target
$81.00Price Target Upside8.51% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)6.65
Revenue Forecast (FY)$455.60M
Bulls Say, Bears Say
Bulls Say
High ProfitabilitySustained high operating and net margins indicate the bank converts revenue to profits efficiently relative to peers. Durable margin structure supports internal capital generation, funds dividend payments and reinvestment, and provides a buffer against cyclical credit stress over the next 2-6 months.
Conservative Balance SheetLow leverage and a sizable equity base reduce funding and solvency risk for a regional bank. A conservative capital structure enhances resilience to credit losses, supports regulatory flexibility, and underpins sustained lending capacity and competitive positioning through economic cycles.
Diversified Growth InitiativesStrategic focus on renewable energy lending, specialty/national niches, and digital payments builds durable new revenue streams and client stickiness. Diversification across products and channels should mitigate single-market headwinds and support steady growth over multiple quarters.
Bears Say
Top-line WeaknessDeclining revenue signals pressure on core lending or fee businesses and limits scope for margin expansion. If trend persists, it could force tighter expense management or slower balance sheet growth, reducing long-term earnings momentum and strategic investment capacity.
Volatile Cash GenerationA large swing in free cash flow, even with high conversion in the period, raises concerns about recurring cash generation reliability. Volatility can constrain dividend policy, share buybacks, or capital deployment and requires monitoring of loan performance and deposit stability across cycles.
Expanded Equity CompensationLarger fixed share pools for incentive plans increase potential future dilution and can raise share-count-driven EPS pressure. Over time, dilution may modestly erode per-share returns and reduce flexibility in balancing cash vs. equity compensation for retaining senior talent.
1St Source News
SRCE FAQ
What was 1St Source’s price range in the past 12 months?
1St Source lowest stock price was $56.89 and its highest was $86.64 in the past 12 months.
What is 1St Source’s market cap?
1St Source’s market cap is $1.86B.
When is 1St Source’s upcoming earnings report date?
1St Source’s upcoming earnings report date is Jul 16, 2026 which is in 29 days.
How were 1St Source’s earnings last quarter?
1St Source released its earnings results on Apr 23, 2026. The company reported $1.63 earnings per share for the quarter, the consensus estimate of $1.63 by $0.
Is 1St Source overvalued?
According to Wall Street analysts 1St Source’s price is currently Undervalued.
Does 1St Source pay dividends?
1St Source pays a Quarterly dividend of $0.43 which represents an annual dividend yield of 2.37%. See more information on 1St Source dividends here
What is 1St Source’s EPS estimate?
1St Source’s EPS estimate is 1.71.
How many shares outstanding does 1St Source have?
1St Source has 24,068,892 shares outstanding.
What happened to 1St Source’s price movement after its last earnings report?
1St Source reported an EPS of $1.63 in its last earnings report, expectations of $1.63. Following the earnings report the stock price went up 0.956%.
Which hedge fund is a major shareholder of 1St Source?
Currently, no hedge funds are holding shares in SRCE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
1St Source Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$81.00 (8.51% Upside)
$81.00 (8.51% Upside)
Blogger Sentiment
Neutral
SRCE Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 5.4K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
12.70%
12-Months-Change
Fundamentals
Return on Equity
12.89%
Trailing 12-Months
Asset Growth
1.68%
Trailing 12-Months
Company Description
1St Source
As the parent company of 1st Source Bank, 1st Source Corporation delivers a comprehensive suite of financial solutions, encompassing commercial and retail banking, wealth management, and insurance offerings, to both individual and corporate customers. For individual clients, the bank provides essential services such as checking, savings, certificates of deposit, and individual retirement accounts, complemented by digital conveniences like online and mobile banking. Various lending options are available, including personal loans, home mortgages, and home equity lines of credit, along with financial planning, literacy programs, consultative support, and debit and credit card facilities. Businesses benefit from a range of financial products, including commercial, small business, agricultural, and real estate loans, which support diverse corporate needs from acquiring properties and equipment to financing accounts receivables and renewable energy projects. Additionally, the corporation provides commercial leasing, sophisticated treasury management, and retirement planning solutions. Through its wealth advisory segment, the company delivers trust, investment, agency, and custodial services, encompassing the administration of estates and personal trusts, along with the professional management of investment portfolios for individuals, employee benefit plans, and charitable organizations. A specialized focus includes financing and leasing a wide variety of equipment, such as construction machinery, new and used aircraft, various truck types (light, medium, heavy-duty, step vans, vocational work trucks), motor coaches, shuttle buses, funeral vehicles, and automobiles, among other specialized equipment. The company also offers a full spectrum of insurance solutions, spanning corporate and personal property, casualty coverage, and individual or group health and life policies. As of December 31, 2021, 1st Source Corporation maintained 79 banking branches across 18 counties in Indiana and Michigan, alongside a presence in Sarasota County, Florida. Established in 1863, its corporate headquarters are located in South Bend, Indiana.
SRCE Stock 12 Month Forecast
Average Price Target
$81.00
▲(8.51% Upside)
Technical Analysis
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Ownership Overview
38.14% Insiders
15.34% Mutual Funds
28.80% Other Institutional Investors
0.83% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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