SRCE
BULLISH
$74.65
Live
1st Source Corporation · NASDAQ
Target $76.33
(+2.3%)
$53.63
52W Range
$75.43
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 20, 2026
Market cap
$1.82B
P/E
11.65
ROE
12.7%
Profit margin
37.6%
Debt/Equity
N/A
Dividend yield
2.14%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
SRCE exhibits strong fundamental growth and valuation appeal, trading significantly below both its Graham Number ($86.87) and estimated Intrinsic Value ($189.09). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company's earnings track record is exemplary, with consistent beats over 25 quarters and 31.5% YoY earnings growth. Despite bearish insider sentiment and a low technical trend score, the low P/E ratio relative to the sector and sustainable dividend payout ratio support a bullish outlook.
Key Strengths
Exceptional earnings track record with consistent surprises over 25 quarters
Strong YoY earnings growth of 31.5% and revenue growth of 16.8%
Trading at a discount to the Graham Number ($86.87) and Intrinsic Value ($189.09)
Very sustainable dividend payout ratio of 23.71%
Low P/E ratio (11.65) compared to the financial services sector average (43.27)
Key Risks
Bearish insider activity with recent officer sales
Moderate Piotroski F-Score (4/9) suggesting room for balance sheet improvement
Low dividend yield (2.14%) compared to some regional bank peers
Price is currently trading near its 52-week high ($75.43), limiting immediate margin of safety
Exposure to regional banking sector volatility
AI Fair Value Estimate
Based on comprehensive analysis
$125.5
+68.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
73
Strong
90
85
80
50
60
AI Verdict
Strong Value/Growth Hybrid
Key drivers: Earnings consistency, Valuation gap, Revenue acceleration
Confidence
90%
Value
90/100
Ref P/E 11.65, PEG 1.37, Graham Number $86.87
Positives
- P/E significantly below sector average
- Current price < Graham Number
Watchpoints
- Price approaching 52-week high
Future
85/100
Ref Growth rates and Earnings track record
Positives
- 31.5% YoY Earnings Growth
- Consistent quarterly beats
Watchpoints
- Regional bank regulatory risks
Past
80/100
Ref Historical price and EPS trends
Positives
- 80.8% 5-year price appreciation
- Consistent EPS progression
Watchpoints
- Occasional quarterly misses in 2020-2023
Health
50/100
Ref Piotroski F-Score 4/9
Positives
- Stable Piotroski score
Watchpoints
- Piotroski F-Score of 4/9 is only 'Stable', not 'Strong'
Dividend
60/100
Ref Yield 2.14%, Payout 23.71%
Positives
- Very low payout ratio (23.71%)
Watchpoints
- Low overall yield (2.14%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$74.65
Analyst Target
$76.33
Upside/Downside
+2.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SRCE and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SRCE
1st Source Corporation
Primary
|
+80.8% | +89.9% | +39.8% | +30.4% | +12.9% | +1.0% |
|
GCMG
GCM Grosvenor Inc.
Peer
|
+1.0% | +45.6% | -19.0% | -13.6% | -15.2% | +0.9% |
|
CLBK
Columbia Financial, Inc.
Peer
|
+1.0% | -3.4% | +35.5% | +19.9% | -0.3% | +1.7% |
|
AGM-A
Federal Agricultural Mortgage Corporation
Peer
|
+116.9% | +37.7% | -10.3% | +1.4% | -2.7% | +1.0% |
|
QFIN
Qfin Holdings, Inc.
Peer
|
-31.6% | -12.4% | -58.1% | -44.0% | +7.0% | +4.0% |
SRC
1st Source Corporation
Primary
5Y
+80.8%
3Y
+89.9%
1Y
+39.8%
6M
+30.4%
1M
+12.9%
1W
+1.0%
GCM
GCM Grosvenor Inc.
Peer
5Y
+1.0%
3Y
+45.6%
1Y
-19.0%
6M
-13.6%
1M
-15.2%
1W
+0.9%
CLB
Columbia Financial, Inc.
Peer
5Y
+1.0%
3Y
-3.4%
1Y
+35.5%
6M
+19.9%
1M
-0.3%
1W
+1.7%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+116.9%
3Y
+37.7%
1Y
-10.3%
6M
+1.4%
1M
-2.7%
1W
+1.0%
QFI
Qfin Holdings, Inc.
Peer
5Y
-31.6%
3Y
-12.4%
1Y
-58.1%
6M
-44.0%
1M
+7.0%
1W
+4.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.65
Forward P/E
10.91
PEG Ratio
1.37
P/B Ratio
1.43
P/S Ratio
4.33
EV/Revenue
4.91
EV/EBITDA
N/A
Market Cap
$1.82B
Profitability
Profit margins and return metrics
Profit Margin
37.58%
Operating Margin
49.97%
Gross Margin
N/A
ROE
12.66%
ROA
1.76%
Growth
Revenue and earnings growth rates
Revenue Growth
+16.8%
Earnings Growth
+31.5%
Q/Q Revenue Growth
+13.27%
Q/Q Earnings Growth
+30.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.6
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
37.1%
Total Assets
$9.1B
Liabilities
$7.7B
Equity
$1.3B
Debt/Equity
6.07x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-23
$1.87
+16.1% surprise
2025-10-23
$1.79
+11.9% surprise
2025-07-24
$1.55
+5.3% surprise
Financial Services Sector Comparison
Comparing SRCE against 551 companies in the Financial Services sector
(102 bullish, 225 neutral, 224 bearish)
P/E Ratio
11.65
This Stock
vs
42.93
Sector Avg
-72.9%
(Discount)
Return on Equity (ROE)
12.66%
This Stock
vs
-0.56%
Sector Avg
-2377.7%
(Below Avg)
Profit Margin
37.58%
This Stock
vs
49.82%
Sector Avg
-24.6%
(Weaker)
Revenue Growth
16.8%
This Stock
vs
40.32%
Sector Avg
-58.3%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SRCE
1st Source Corporation
|
BULLISH | $1.82B | 11.65 | 12.7% | 37.6% | $74.65 | |
|
GCMG
GCM Grosvenor Inc.
|
NEUTRAL | $1.83B | 23.31 | 765.9% | 8.2% | $9.79 | Compare |
|
CLBK
Columbia Financial, Inc.
|
NEUTRAL | $1.86B | 34.92 | 4.6% | 20.8% | $17.81 | Compare |
|
AGM-A
Federal Agricultural...
|
NEUTRAL | $1.79B | 7.35 | 13.7% | 57.2% | $129.0 | Compare |
|
QFIN
Qfin Holdings, Inc.
|
BULLISH | $1.86B | 2.19 | 24.7% | 31.2% | $14.13 | Compare |
SRCE
1st Source Corporation
BULLISH
Mkt Cap
$1.8B
P/E
11.6
ROE
12.7%
Price
$74.65
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-17 | SHORT ANDREA G | Chief Executive Officer | Stock Award | 5,892 | - |
| 2026-02-17 | BUHR JEFFREY L | Officer | Stock Award | 4,468 | - |
| 2026-02-17 | BAUER BRETT A. | Chief Financial Officer | Stock Award | 3,519 | - |
| 2026-02-17 | MURPHY KEVIN CARMICHAEL | Officer | Stock Award | 4,096 | - |
| 2026-02-13 | BIRMINGHAM-BYRD MELODY | Director | Purchase | 51 | $3,535 |
| 2026-02-03 | AFFLECK-GRAVES JOHN F | Director | Stock Award | 326 | $21,461 |
| 2026-02-03 | SCHURZ TODD F. | Director | Stock Award | 212 | $13,956 |
| 2026-02-03 | SHREWSBURY RONDA | Director | Stock Award | 243 | $15,997 |
| 2026-02-03 | TORRES ISAAC P. | Director | Stock Award | 212 | $13,956 |
| 2026-02-03 | OZARK TIMOTHY K | Director | Stock Award | 288 | $18,959 |
| 2026-02-03 | SCHWABERO MARK D | Director | Stock Award | 167 | $10,994 |
| 2026-02-03 | GRAHAM TRACY D | Director | Stock Award | 212 | $13,956 |
| 2025-12-15 | BUHR JEFFREY L | Officer | Sale | 1,175 | $77,714 |
| 2025-12-11 | MURPHY CHRISTOPHER J III | Officer, Director and Beneficial Owner | Gift | 5,000 | - |
| 2025-12-11 | MURPHY CARMEN C | Beneficial Owner of more than 10% of a Class of Security | Gift | 5,000 | - |
SHORT ANDREA G
Chief Executive Officer
2026-02-17
5,892 shares
BUHR JEFFREY L
Officer
2026-02-17
4,468 shares
BAUER BRETT A.
Chief Financial Officer
2026-02-17
3,519 shares
MURPHY KEVIN CARMICHAEL
Officer
2026-02-17
4,096 shares
BIRMINGHAM-BYRD MELODY
Director
2026-02-13
51 shares
·
$3,535
AFFLECK-GRAVES JOHN F
Director
2026-02-03
326 shares
·
$21,461
SCHURZ TODD F.
Director
2026-02-03
212 shares
·
$13,956
SHREWSBURY RONDA
Director
2026-02-03
243 shares
·
$15,997
TORRES ISAAC P.
Director
2026-02-03
212 shares
·
$13,956
OZARK TIMOTHY K
Director
2026-02-03
288 shares
·
$18,959
SCHWABERO MARK D
Director
2026-02-03
167 shares
·
$10,994
GRAHAM TRACY D
Director
2026-02-03
212 shares
·
$13,956
BUHR JEFFREY L
Officer
2025-12-15
1,175 shares
·
$77,714
MURPHY CHRISTOPHER J III
Officer, Director and Beneficial Owner
2025-12-11
5,000 shares
MURPHY CARMEN C
Beneficial Owner of more than 10% of a Class of Security
2025-12-11
5,000 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
8-K
10-K
8-K
8-K
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
3 analysts
DA Davidson
2026-01-28
Neutral
Neutral
Piper Sandler
2026-01-26
Overweight
Overweight
DA Davidson
2025-10-28
Neutral
Neutral
Past News Coverage
Recent headlines mentioning SRCE from our newsroom.
Newest → oldest
No matching news yet.