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
$2B
12.05
$6.96
0.57
$1.68
2.15%
Price and volume
Market cap
$2B
Beta
0.57
52-week high
$91.46
52-week low
$56.89
Average daily volume
108K
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)
12.047
Price to revenue (TTM)
4.609
Price to book
1.54
Price to tangible book (TTM)
1.65
Price to free cash flow (TTM)
9.796
Free cash flow yield (TTM)
10.21%
Free cash flow per share (TTM)
8.564
Dividend yield (TTM)
2.00%
Forward dividend yield
2.15%
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 delivered record second-quarter net income of $47.54 million, up 27.4% year on year. Average loans and leases rose 2.5% year on year, while the tax-equivalent net interest margin widened 23 basis points to 4.24%. (1st Source)
Credit performance improved sharply in the second quarter: the credit-loss provision fell to $1.54 million from $7.69 million a year earlier, and non-performing assets declined to 1.01% of loans. The 2.30% allowance ratio still provides a substantial buffer as the loan book grows. (1st Source, 1st Source)
The balance sheet leaves room for shareholder returns and further expansion. 1st Source reported a 15.49% common-equity Tier 1 ratio and raised its quarterly dividend by 18.4% to $0.45 per share, while its specialty-finance and renewable-energy businesses add growth channels beyond local branches. (1st Source, TradingView)
The improvement in credit costs may not mark a clean trend. In the first quarter, provisions rose to $7.27 million because of higher losses in auto and light-truck lending, while non-performing assets were 1.03% of loans versus 0.63% a year earlier. (1st Source)
The loan book has exposure to assets whose values can fall quickly in a downturn, including aircraft and construction equipment, as well as commercial real estate. The company specifically identifies collateral volatility and economic weakness as risks to these specialised portfolios. (Last10K)
Shares have already risen sharply, with one recent valuation review reporting a 45.41% year-to-date gain and mixed signals on fair value. If earnings growth or credit quality normalises, the stock’s higher valuation could leave less room for error. (Simply Wall St)
Data summarised monthly by Lightyear AI. Last updated on 21 Sept 2026.
1st Source Financial Performance
Revenues and expenses
1st Source Earnings Performance
Company profitability
Upcoming events
No upcoming events
1st Source News
AllArticlesVideos
Funds containing 1st Source
AllEURGBPUSD
Fund name | Fund size | $SRCE weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.06% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.06% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 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.
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