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1st Source Corporation (SRCE) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

1st Source Corporation

SRCEMarket cap $2.03BPrice $84.4

Country🇺🇸United States

SectorFinancials

IndustryBanks

1st Source runs community banking across northern Indiana, but its edge is niche lending: financing private aircraft, high-end boats, and construction equipment nationwide, making it one of the largest bank-based aircraft lenders in America.

In Bastion Portfolios?

52W Return+48%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+5%–

Rev CAGR (5y)+4%3

Earnings Forecast

EPS Growth Y+1+13%7

EPS Growth Y+2+2%4

EPS Growth Y+3+3%4

Quality

Margins

EBIT Margin0%6

Net Income Margin39%10

Free Cash Flow Margin47%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE13%6

ROA2%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)117

P/BV1.68

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.1%5

Momentum

Short term

1 month return-2%7

3 month return+5%8

YTD return+37%9

Mid term

Price vs 52wHigh93%9

1 year return+43%9

Long term

3 year return+113%8

5 year return+97%7

Risk Shield

Price Risk

Beta0.67

Volatility20%10

Free Cash Flow

Free Cash Flow Margin47%10

Free Cash Flow Yield0.0%8

Quality

ROCE16%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

SRCE1st Source

Revenue FY25$421M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+13%7

EPS growth, FY27E+2%4

EPS growth, FY28E+3%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 5%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 5%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG89 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+5%8

YTD return+37%9

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+43%9

3-year return+113%8

5-year return+97%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +113% over three years and +97% over five, ahead of 70% of the market.

It's up 43% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+5%) and so far this year (+37%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on 1st Source Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

SRCE1st Source

Revenue FY25$421M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+5%–

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+13%7

EPS growth, FY27E+2%4

EPS growth, FY28E+3%4

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 5%/yr.

Earnings are set to grow in step with sales (EPS about 3%/yr vs revenue 5%/yr).

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 5%/yr over the next 3 years, behind most of the market.3/10

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG89 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+5%8

YTD return+37%9

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+43%9

3-year return+113%8

5-year return+97%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +113% over three years and +97% over five, ahead of 70% of the market.

It's up 43% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+5%) and so far this year (+37%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on 1st Source Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community