1st Source/$SRCE
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About 1st Source
1st Source Corp provides specialized financing services for construction equipment, aircraft, and vehicle types through its Specialty Finance activities. The company offers commercial, small business, agricultural, and real estate loans, along with commercial leasing, treasury management, and payment services, including Fedwires, ACH, and merchant services. It also provides Renewable Energy Financing for commercial solar projects, a full range of consumer banking products, Trust and Wealth Advisory Services, and insurance products. The company operates in the commercial banking segment, which provides commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and business clients across its markets.
- Ticker
- $SRCE
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,190
- Headquarters
- South Bend, United States
- Website
- www.1stsource.com
1st Source Metrics
BasicAdvanced
$2.1B
12.32
$6.96
0.57
$1.68
2.10%
Price and volume
Market cap
$2.1B
Beta
0.57
52-week high
$91.46
52-week low
$58.50
Average daily volume
112K
Dividend rate
$1.68
Financial strength
Dividend payout ratio (TTM)
23.69%
Profitability
Net profit margin (TTM)
38.64%
Operating margin (TTM)
51.39%
Effective tax rate (TTM)
22.84%
Revenue per employee (TTM)
$370,000
Management effectiveness
Return on assets (TTM)
1.86%
Return on equity (TTM)
13.09%
Valuation
Price to earnings (TTM)
12.321
Price to revenue (TTM)
4.714
Price to book
1.58
Price to tangible book (TTM)
1.68
Price to free cash flow (TTM)
10.02
Free cash flow yield (TTM)
9.98%
Free cash flow per share (TTM)
8.564
Dividend yield (TTM)
1.96%
Forward dividend yield
2.10%
Growth
Revenue change (TTM)
12.90%
Earnings per share change (TTM)
22.18%
3-year revenue growth (CAGR)
7.28%
3-year earnings per share growth (CAGR)
10.87%
10-year earnings per share growth (CAGR)
12.47%
3-year dividend per share growth (CAGR)
-14.50%
10-year dividend per share growth (CAGR)
1.29%
What the Analysts think about 1st Source
Analyst ratings (Buy, Hold, Sell) for 1st Source stock.
Analyst projections of the future price of 1st Source stock.
Bulls say / Bears say
1st Source reported record second-quarter net income of $47.54 million, up 27.4% year on year, while diluted EPS rose 29.1% to $1.95. This shows strong recent earnings growth. (1st Source)
Average loans and leases grew 2.5% year on year and deposits excluding brokered balances rose 3.8%, while net interest margin improved 23 basis points to 4.24%. That combination supports further revenue growth without relying only on cost cuts. (1st Source)
Construction equipment finance offers a potential growth avenue: 1st Source was named among the top 20 lenders and lessors by new business volume, and the market report cites demand tied to infrastructure, LNG and AI data-centre projects. (MonitorDaily)
Management describes the outlook as fragile, citing trade uncertainty, soft labour conditions, consumer stress and inflation risks. It warns that future credit-loss estimates could vary considerably as these conditions change. (SEC)
Credit costs have been uneven: the first-quarter provision rose to $7.27 million from $3.27 million a year earlier, before easing to $1.54 million in Q2. That swing shows how quickly provisions can affect reported earnings. (1st Source, 1st Source)
Specialty lending brings exposure to asset values and cyclical industries: the company says aircraft collateral values can be volatile and construction-equipment demand depends on public and private investment. A downturn could therefore weaken both borrower repayment capacity and collateral recoveries. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 18 Oct 2026.
1st Source Financial Performance
Revenues and expenses
1st Source Earnings Performance
Company profitability
Upcoming events
1st Source News
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Funds containing 1st Source
AllUSDEURGBP
Fund name | Fund size | $SRCE weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.06% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.06% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.04% |
Xtrackers MSCI World Small Cap$XSWC | $183M | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.