Stocks · Financial Services · Banks - Regional
1st Source Corporation SRCE
$86.85 +1.06% Close, Oct 2, 2026 · NASDAQ · Market cap $2.09B
High qualityStrong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 12.4× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- The stock is in an uptrend: above its 200-day average for 216 trading days, with the 50-day average above the 200-day.
- Operating margin widened to 36.4% from 31.0% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth42Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 42%
- EPS growth (TTM, YoY)Top 47%
- FCF growth (TTM, YoY)Bottom 39%
- Revenue growth, 3-year CAGRTop 46%
- Revenue growth accelerationTop 49%
Quality83Strong
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 45%
- Gross marginTop 30%
- Operating marginTop 18%
- Cash conversion (OCF / net income)Top 43%
- Accruals (lower is better)Top 42%
- Net debt / EBITDA (lower is better)Top 23%
- Interest coverTop 38%
Value55Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 37%
- Free-cash-flow yieldTop 33%
- EBITDA / enterprise valueTop 23%
- Sales / enterprise valueBottom 48%
- P/E vs own 5-year history (lower is better)Bottom 2%
Momentum93Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 12%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 11%
- Distance from 52-week highTop 24%
- Trend checklist (0–4)Top 27%
Revisions25Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 44%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 19%
- Upside to consensus price targetBottom 27%
Stability75Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 35%
- Maximum drawdown, 3 yearsTop 28%
- Beta vs S&P 500 (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Top 23%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.3% | 4.2% | ↓ |
| EPS growth (YoY) | 15.3% | 22.2% | ↑ |
| Gross margin | 67.2% | 72.8% | ↑ |
| Operating margin | 31.0% | 36.4% | ↑ |
| FCF margin | 35.3% | 35.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.2% | 4.3% | ↓ | Bottom 42% |
| EPS growth (TTM, YoY) | 22.2% | 15.3% | ↑ | Top 47% |
| Gross margin | 72.8% | 67.2% | ↑ | Top 30% |
| Operating margin | 36.4% | 31.0% | ↑ | Top 18% |
| Net margin | 28.1% | 24.2% | ↑ | — |
| Free-cash-flow margin | 35.9% | 35.3% | ↑ | — |
| Return on invested capital | 1.8% | — | Top 45% | |
| Revenue growth, 3-year CAGR | 15.9% | — | Top 46% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.27×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +2.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.30×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.94%
- Net buyback yield (TTM)
- 1.62%
- Shareholder yield
- 3.55%
- Share count change, 1 year
- -1.5%
- Share count change, 3-year CAGR
- -0.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.0%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $93.50
- Target vs current price
- +7.7%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 25%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +14.0% | +0.4% | +9.0% | +3.5% | — |
| Apr 23, 2026 | +0.0% | +1.0% | -0.8% | +0.4% | +14.0% |
| Jan 22, 2026 | +3.1% | +0.2% | -3.4% | +3.9% | +10.8% |
| Oct 23, 2025 | +6.9% | -2.1% | -1.7% | +0.3% | +8.4% |
| Jul 24, 2025 | +1.3% | -1.9% | -3.9% | -2.7% | -8.9% |
| Apr 24, 2025 | +11.8% | +3.2% | +5.3% | +7.4% | +11.5% |
| Jan 23, 2025 | +5.3% | +0.5% | +8.0% | +13.5% | -4.4% |
| Oct 24, 2024 | +5.2% | -0.3% | +2.1% | +7.6% | -4.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.95 | $1.71 | +14.0% | $117.1M |
| Apr 23, 2026 | $1.63 | $1.63 | +0.0% | $113.1M |
| Jan 22, 2026 | $1.67 | $1.62 | +3.1% | $115.4M |
| Oct 23, 2025 | $1.71 | $1.60 | +6.9% | $110.7M |
| Jul 24, 2025 | $1.51 | $1.49 | +1.3% | $108.2M |
| Apr 24, 2025 | $1.52 | $1.36 | +11.8% | $104.0M |
| Jan 23, 2025 | $1.40 | $1.33 | +5.3% | $97.8M |
| Oct 24, 2024 | $1.41 | $1.34 | +5.2% | $97.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.4× | 10.4× | 100th | Top 37% |
| P/E (forward) | 12.0× | — | — | — |
| EV / EBITDA | 8.9× | — | — | Top 23% |
| EV / Sales | 3.32× | — | — | Bottom 48% |
| Free-cash-flow yield | 10.46% | — | — | Top 33% |
| Earnings yield | 8.04% | — | — | Top 37% |
P/E over the past five years
Range 8.3× – 12.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +42.6%
- Earnings per share growth (TTM)
- +22.2%
- Change in P/E multiple
- +9.8%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- +1.7%
- 200-day average slope (20 days)
- +3.1%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- +14.9%
- RSI (14)
- 55.3
- Relative volume
- 1.04×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.8%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.64
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -4.4%
- Maximum drawdown, 3 years
- -21.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | May 4, 2023 | -31.9% | 119 days | 300 days (Jul 16, 2024) |
| Feb 11, 2025 | Apr 14, 2025 | -21.2% | 43 days | 201 days (Feb 2, 2026) |
| Jan 14, 2022 | May 2, 2022 | -18.5% | 73 days | 120 days (Oct 21, 2022) |
| Nov 6, 2024 | Jan 10, 2025 | -18.4% | 43 days | 21 days (Feb 11, 2025) |
| Jun 8, 2021 | Jul 19, 2021 | -17.6% | 28 days | 82 days (Nov 11, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.09B
- P/E (TTM)
- 12.4
- EPS, diluted (TTM)
- $6.98
- Revenue (TTM)
- $608.6M
- Dividend yield
- 1.93%
- 52-week range
- $56.89 – $91.46
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $354.9M | $385.1M | $507.5M | $570.3M | $600.0M |
| Gross profit | $341.0M | $341.5M | $363.4M | $374.7M | $421.9M |
| Operating income | $154.9M | $156.8M | $161.7M | $171.1M | $205.1M |
| Net income | $118.5M | $120.5M | $124.9M | $132.6M | $158.3M |
| EPS (diluted) | $4.70 | $4.84 | $5.03 | $5.36 | $6.46 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $145.7M | $141.6M | $146.4M | $150.3M | $152.8M | $150.5M | $149.1M | $156.1M |
| Net income | $34.9M | $31.4M | $37.5M | $37.3M | $42.3M | $41.1M | $40.0M | $47.5M |
| EPS (diluted) | $1.41 | $1.27 | $1.52 | $1.51 | $1.71 | $1.69 | $1.65 | $1.93 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $166.8M | $175.5M | $187.9M | $194.1M | $223.1M |
| Capital expenditure | -$2.9M | -$2.4M | -$6.0M | -$12.4M | -$10.1M |
| Free cash flow | $163.9M | $173.2M | $182.0M | $181.5M | $213.0M |
| Dividends paid | -$31.3M | -$32.1M | -$33.1M | -$35.4M | -$38.4M |
| Net share buybacks | -$33.1M | -$6.8M | -$12.5M | -$178,000 | -$13.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.60B
- Total assets
- $9.26B
- Total liabilities
- $7.91B
- Total debt
- $294.3M
- Net debt
- -$68.6M
- Shareholders’ equity
- $1.31B
As of Jun 30, 2026 (filed Jul 23, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.45 | Aug 14, 2026 |
| May 5, 2026 | $0.43 | May 15, 2026 |
| Feb 3, 2026 | $0.40 | Feb 13, 2026 |
| Nov 4, 2025 | $0.40 | Nov 14, 2025 |
| Aug 5, 2025 | $0.38 | Aug 15, 2025 |
| May 5, 2025 | $0.38 | May 15, 2025 |
| Feb 4, 2025 | $0.36 | Feb 14, 2025 |
| Nov 5, 2024 | $0.36 | Nov 15, 2024 |
Short interest
- Shares sold short
- 710,890
- Days to cover
- 8.20
- Change vs previous report
- +17.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 3, 2015
- 11-for-10
- Aug 3, 2006
- 11-for-10
- May 2, 2001
- 21-for-20
- Aug 2, 2000
- 21-for-20
- Feb 2, 1999
- 11-for-10