SRCE

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1st Source Corp.

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Key Metrics

Previous Close: $85.71
52-Week Range: $56.89 – $91.46
Market Cap: $2.07B
P/E (TTM): 12.31
EPS (TTM): 7.00
Dividend Yield: 1.96%

Advanced Metrics

Price/Book: 1.61
PEG Ratio: 1.37
Return on Equity: 13.09%
Return on Assets: 1.86%
Gross Margin: 0.00%
Operating Margin: 54.06%
Profit Margin: 38.64%
Current Ratio: —
Debt/Equity: —
Total Debt: $305.90M
Free Cash Flow: —
Revenue Growth: 16.00%
Earnings Growth: 29.30%
Enterprise Value: $2.28B

SRCE Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$354.73M	$369.27M	$387.12M	$433.78M
Selling, General & Admin	$108.73M	$121.54M	$128.05M	$144.21M
Pretax Income	$156.79M	$161.68M	$171.06M	$204.38M
Income Tax	$36.26M	$36.75M	$38.44M	$46.12M
Net Income	$120.51M	$124.93M	$132.62M	$158.28M
Diluted EPS	4.84	5.03	5.36	6.41
Diluted Shares	24.69M	24.62M	24.50M	24.49M

SRCE Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$84.70M	$77.47M	$76.84M	$69.25M
Receivables	$380.01M	—	—	—
Total Assets	$8.34B	$8.73B	$8.93B	$9.06B
Long-Term Debt	$87.41M	$85.03M	$75.85M	$74.31M
Total Debt	$161.51M	$341.58M	$252.70M	$200.46M
Total Liabilities	$7.42B	$7.66B	$7.75B	$7.74B
Retained Earnings	$694.86M	$789.84M	$890.94M	$1.02B
Shareholders' Equity	$864.07M	$989.57M	$1.11B	$1.27B
Net Debt	$76.81M	$264.11M	$175.86M	$131.21M

SRCE Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$175.53M	$187.94M	$193.85M	$223.12M
Capital Expenditure	-$2.38M	-$5.98M	-$12.37M	-$10.08M
Free Cash Flow	$173.15M	$181.96M	$181.49M	$213.03M
Depreciation & Amortisation	$19.09M	$15.46M	$12.36M	$11.27M
Stock-Based Compensation	$3.59M	$4.89M	$5.66M	$6.20M
Investing Cash Flow	-$784.87M	-$358.29M	-$276.61M	-$154.22M
Financing Cash Flow	$206.95M	$177.22M	$77.91M	-$73.87M
Dividends Paid	-$32.10M	-$33.07M	-$35.40M	-$38.43M
Share Repurchases	-$6.84M	-$12.47M	-$178.00K	-$13.87M
Net Change in Cash	-$402.39M	$6.87M	-$4.84M	-$4.97M

SRCE Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$108.25M	$110.66M	$110.83M	$113.14M	$118.16M
Selling, General & Admin	$35.12M	$36.52M	$37.09M	$36.17M	$36.67M
Pretax Income	$48.13M	$54.98M	$53.56M	$51.35M	$61.60M
Income Tax	$10.80M	$12.71M	$12.43M	$11.39M	$14.05M
Net Income	$37.32M	$42.30M	$41.14M	$39.96M	$47.54M
Diluted EPS	1.51	1.71	1.67	1.63	1.95
Diluted Shares	24.54M	24.47M	24.39M	24.28M	24.07M

SRCE Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$88.81M	$75.32M	$69.25M	$67.67M	$67.50M
Receivables	$32.37M	$32.14M	—	$34.44M	$34.65M
Total Assets	$9.09B	$9.06B	$9.06B	$9.11B	$9.26B
Long-Term Debt	$100.61M	$101.00M	$74.31M	$94.27M	$94.79M
Total Debt	$152.43M	$102.38M	$200.46M	$230.06M	$230.79M
Total Liabilities	$7.83B	$7.77B	$7.74B	$7.79B	$7.91B
Retained Earnings	$950.36M	$983.62M	$1.02B	$1.05B	$1.08B
Shareholders' Equity	$1.20B	$1.24B	$1.27B	$1.28B	$1.31B
Net Debt	$63.62M	$27.07M	$131.21M	$162.39M	$163.29M

SRCE Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$44.85M	$51.05M	$55.42M	$59.14M	$50.75M
Capital Expenditure	-$1.82M	-$3.79M	-$1.96M	-$1.13M	-$1.35M
Free Cash Flow	$43.03M	$47.26M	$53.47M	$58.02M	$49.40M
Depreciation & Amortisation	$2.79M	$2.80M	$2.85M	$2.81M	$2.82M
Stock-Based Compensation	$1.37M	$1.44M	$2.01M	$1.55M	$1.73M
Investing Cash Flow	-$179.56M	$100.45M	-$114.41M	-$67.43M	-$146.33M
Financing Cash Flow	$61.00M	-$86.35M	-$35.42M	$7.24M	$104.08M
Dividends Paid	-$9.63M	-$9.60M	-$10.09M	-$10.08M	-$10.73M
Share Repurchases	-$2.84M	-$6.38M	-$4.20M	-$23.35M	$0.00
Net Change in Cash	-$73.71M	$65.15M	-$94.40M	-$1.05M	$8.50M

Market Snapshot

About

1st Source Corp. is a diversified financial services company based in Indiana. The company operates through two main segments: banking and specialty finance, offering commercial and consumer banking, trust and wealth management, and equipment financing services. It has been serving communities in Indiana and Michigan since 1863.