1st Source Stock Analysis

SRCE Stock  USD 63.50  0.05  0.08%   
1st Source is undervalued with Real Value of 71.46 and Target Price of 69.0. 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 signals in main economic indicators.
For information on how to trade 1st Stock refer to our How to Trade 1st Stock guide.

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 1.34. 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 5.69. The firm last dividend was issued on the 5th of May 2025. 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 Christopher III at 574 235 2000 or learn more at https://www.1stsource.com.

1st Source Quarterly Total Revenue

146.41 Million

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.
1st Source has a poor financial position based on the latest SEC disclosures
Over 75.0% of the company shares are owned by institutional investors
Latest headline from finance.yahoo.com: 1st Source Expected to Beat Earnings Estimates What to Know Ahead of Q2 Release

1st Source Upcoming and Recent Events

1st of February 2024
Upcoming Quarterly Report
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18th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
1st of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

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
2003-06-300.160.180.0212 
2005-07-28
2005-06-300.280.320.0414 
2002-10-15
2002-09-300.120.08-0.0433 
View All Earnings Estimates

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
Kennedy Capital Management Inc2025-03-31
268.6 K
Manufacturers Life Insurance Co2025-03-31
262.5 K
Millennium Management Llc2025-03-31
242.5 K
Bridgeway Capital Management, Llc2025-03-31
204.5 K
Northern Trust Corp2025-03-31
204.2 K
American Century Companies Inc2025-03-31
188.8 K
Renaissance Technologies Corp2025-03-31
164.6 K
Ubs Group Ag2025-03-31
154.5 K
Hotchkis & Wiley Capital Management Llc2025-03-31
151.5 K
1st Source Bank2025-03-31
5.2 M
Blackrock Inc2025-03-31
M
Note, although 1st Source's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

1st Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.56 B.

1st Profitablity

The company has Profit Margin (PM) of 0.36 %, 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 0.49 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.49.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.12  0.13 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.12 

Management Efficiency

1st Source has return on total asset (ROA) of 0.016 % which means that it generated a profit of $0.016 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1222 %, meaning that it created $0.1222 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. At present, 1st Source's Return On Equity is projected to increase slightly based on the last few years of reporting. At present, 1st Source's Intangibles To Total Assets are projected to slightly decrease based on the last few years of reporting. The current year's Asset Turnover is expected to grow to 0.08, whereas Non Current Assets Total are forecasted to decline to about 4 B.
Last ReportedProjected for Next Year
Book Value Per Share 48.23  50.64 
Tangible Book Value Per Share 44.81  47.05 
Enterprise Value Over EBITDA 9.15  11.03 
Price Book Value Ratio 1.29  1.65 
Enterprise Value Multiple 9.15  11.03 
Price Fair Value 1.29  1.65 
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.
Dividend Yield
0.0245
Operating Margin
0.4876
Profit Margin
0.3618
Forward Dividend Yield
0.0245
Beta
0.666

Technical Drivers

As of the 21st of July, 1st Source shows the risk adjusted performance of 0.1814, and Mean Deviation of 1.15. 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 63.5 per share. Given that 1st Source has jensen alpha of 0.1317, 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-nine with a total number of output elements of thirty-two. The Simple Moving Average indicator is calculated by adding the closing price of 1st Source for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out 1st Source short-term fluctuations and highlight longer-term trends or cycles.

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

26th of June 2025
Other Reports
ViewVerify
F4
4th of June 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
5th of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
25th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
24th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
17th of April 2025
Other Reports
ViewVerify
14th of March 2025
Other Reports
ViewVerify
12th of March 2025
Other Reports
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.

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 ReportedProjected for Next Year
Pretax Profit Margin 0.30  0.18 
Operating Profit Margin 0.30  0.18 
Net Profit Margin 0.23  0.13 
Gross Profit Margin 0.66  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 PriceAdvice# of Analysts
69.0Buy3Odds
1st Source current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
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 Analyst Advice Details

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 Flow129.7 M
Long Term Debt75.8 M
Common Stock Shares Outstanding24.5 M
Total Stockholder Equity1.1 B
Total Cashflows From Investing Activities-276.6 M
Tax Provision38.4 M
Quarterly Earnings Growth Y O Y0.274
Property Plant And Equipment Net64.9 M
Cash And Short Term InvestmentsB
Cash76.8 M
Net Debt248.2 M
50 Day M A61.9558
Total Current Liabilities7.5 B
Other Operating Expenses399.3 M
Non Current Assets Total7.9 B
Non Currrent Assets Other444.3 M
Stock Based Compensation5.7 M

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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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