1St Source Corp
SRCE Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$87.29
KIRA · Stoqly’s AI analyst, in plain words
- 1St Source Corp had $434M of revenue in fiscal 2025, up 12.1% on the year before. Over five years, revenue changed +5.6% a year on average.
- 1St Source Corp made $158M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 12.5% a year.
- 1St Source Corp returned $52.3M to shareholders in fiscal 2025, 25% of free cash flow. The diluted share count fell 0.0%.
- It earned 13.3% on shareholders’ money. Running costs took 50.0% of revenue (the efficiency ratio; lower is better).
Market cap
$2.1B
P/E
12.0x
Revenue
$434M
Net income
$158M
Return on equity
13.3%
Efficiency ratio
50.0%
1St Source Corp in 30 seconds · fiscal 2025
Are sales growing?
+12.1%
Yes. Sales grew 12.1% last year.
Does it make a profit?
36.5%
Yes. It keeps 36.5% of every sale as profit.
How lean are its costs?
50.0%
Lean. Running costs take 50.0% of revenue.
How much does it earn on its capital?
13.3%
Good. It earns 13.3% a year on shareholders’ money.
How is the share priced?
12.0x
One share costs 12.0 times its yearly profit per share.
What 1St Source Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 17, 2026
- Legal name
- 1ST SOURCE CORP
- CIK
- 0000034782
1St Source Corp · SRCE
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $337M | $355M | $369M | $387M | $434M |
| Revenue growth | 2.1% | 5.3% | 4.1% | 4.8% | 12.1% |
| Net interest income | $237M | $263M | $279M | $301M | $348M |
| Net income | $119M | $121M | $125M | $133M | $158M |
| Net margin | 35.2% | 34.0% | 33.8% | 34.3% | 36.5% |
| Diluted EPS | $4.70 | $4.84 | $5.03 | $5.36 | $6.41 |
| Cash | |||||
| Cash from operations | $167M | $176M | $188M | $194M | $223M |
| Capital expenditure | $2.9M | $2.4M | $6.0M | $12.4M | $10.1M |
| Free cash flow | $164M | $173M | $182M | $181M | $213M |
| FCF margin | 48.7% | 48.8% | 49.3% | 46.9% | 49.1% |
| Dividends paid | $31.3M | $32.1M | $33.1M | $35.4M | $38.4M |
| Share buybacks | $33.1M | $6.8M | $12.5M | $0.2M | $13.9M |
| Share count change | −1.9% | −1.4% | −0.3% | −0.5% | −0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $525M | $123M | $130M | $125M | $120M |
| Debt incl. finance leases | $200M | $216M | $312M | $249M | $239M |
| Loans, net | $5.2B | $5.9B | $6.4B | $6.7B | $6.9B |
| Deposits | $6.7B | $6.9B | $7.0B | $7.2B | $7.2B |
| Shareholders' equity | $916M | $864M | $990M | $1.1B | $1.3B |
| Returns and quality | |||||
| Return on equity | 13.2% | 13.5% | 13.5% | 12.6% | 13.3% |
| Return on tangible equity | 14.2% | 15.4% | 13.8% | 12.9% | 13.3% |
| Efficiency ratio | 55.3% | 52.1% | 54.6% | 52.6% | 50.0% |
| Piotroski F-score | 5 | 5 | 4 | 7 | 7 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.2M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
1St Source Corp · SRCE
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $87.29 a share, the company is worth $2.1B: 12.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000034782). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.