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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.38
SRCE's Cash to Debt is ranked lower than
76% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. SRCE: 0.38 )
Ranked among companies with meaningful Cash to Debt only.
SRCE' s Cash to Debt Range Over the Past 10 Years
Min: 0.23  Med: 0.54 Max: 2.31
Current: 0.38
0.23
2.31
Equity to Asset 0.12
SRCE's Equity to Asset is ranked higher than
68% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SRCE: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
SRCE' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.13
Current: 0.12
0.08
0.13
Interest Coverage 4.57
SRCE's Interest Coverage is ranked higher than
78% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. SRCE: 4.57 )
Ranked among companies with meaningful Interest Coverage only.
SRCE' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 0.92 Max: 4.63
Current: 4.57
0.31
4.63
F-Score: 6
M-Score: -2.44
WACC vs ROIC
8.88%
7.31%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 35.11
SRCE's Operating margin (%) is ranked higher than
60% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. SRCE: 35.11 )
Ranked among companies with meaningful Operating margin (%) only.
SRCE' s Operating margin (%) Range Over the Past 10 Years
Min: 14.75  Med: 30.88 Max: 35.87
Current: 35.11
14.75
35.87
Net-margin (%) 22.79
SRCE's Net-margin (%) is ranked higher than
51% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. SRCE: 22.79 )
Ranked among companies with meaningful Net-margin (%) only.
SRCE' s Net-margin (%) Range Over the Past 10 Years
Min: 11.93  Med: 20.62 Max: 24.38
Current: 22.79
11.93
24.38
ROE (%) 9.11
SRCE's ROE (%) is ranked higher than
55% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. SRCE: 9.11 )
Ranked among companies with meaningful ROE (%) only.
SRCE' s ROE (%) Range Over the Past 10 Years
Min: 3.73  Med: 9.36 Max: 11
Current: 9.11
3.73
11
ROA (%) 1.14
SRCE's ROA (%) is ranked higher than
67% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SRCE: 1.14 )
Ranked among companies with meaningful ROA (%) only.
SRCE' s ROA (%) Range Over the Past 10 Years
Min: 0.57  Med: 1.01 Max: 1.22
Current: 1.14
0.57
1.22
Revenue Growth (3Y)(%) 1.60
SRCE's Revenue Growth (3Y)(%) is ranked lower than
57% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. SRCE: 1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SRCE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.5  Med: 2.90 Max: 20.3
Current: 1.6
-7.5
20.3
EBITDA Growth (3Y)(%) 2.00
SRCE's EBITDA Growth (3Y)(%) is ranked lower than
64% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SRCE: 2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SRCE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.5  Med: 6.85 Max: 28.8
Current: 2
-16.5
28.8
EPS Growth (3Y)(%) 6.70
SRCE's EPS Growth (3Y)(%) is ranked lower than
53% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SRCE: 6.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SRCE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.7  Med: 7.05 Max: 50.7
Current: 6.7
-34.7
50.7
» SRCE's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

SRCE Guru Trades in Q1 2015

Jim Simons 18,700 sh (+101.08%)
» More
Q2 2015

SRCE Guru Trades in Q2 2015

Jim Simons 32,200 sh (+89.41%)
» More
Q3 2015

SRCE Guru Trades in Q3 2015

Jim Simons 66,414 sh (+87.50%)
» More
Q4 2015

SRCE Guru Trades in Q4 2015

Jim Simons 78,708 sh (+18.51%)
» More
» Details

Insider Trades

Latest Guru Trades with SRCE

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.87
SRCE's P/E(ttm) is ranked lower than
67% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. SRCE: 15.87 )
Ranked among companies with meaningful P/E(ttm) only.
SRCE' s P/E(ttm) Range Over the Past 10 Years
Min: 10.45  Med: 14.37 Max: 22.92
Current: 15.87
10.45
22.92
PE(NRI) 15.87
SRCE's PE(NRI) is ranked lower than
66% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. SRCE: 15.87 )
Ranked among companies with meaningful PE(NRI) only.
SRCE' s PE(NRI) Range Over the Past 10 Years
Min: 10.35  Med: 14.28 Max: 22.73
Current: 15.87
10.35
22.73
Price/Owner Earnings (ttm) 11.08
SRCE's Price/Owner Earnings (ttm) is ranked higher than
56% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SRCE: 11.08 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SRCE' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.92  Med: 10.51 Max: 87.06
Current: 11.08
5.92
87.06
P/B 1.37
SRCE's P/B is ranked lower than
73% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SRCE: 1.37 )
Ranked among companies with meaningful P/B only.
SRCE' s P/B Range Over the Past 10 Years
Min: 0.73  Med: 1.16 Max: 2.06
Current: 1.37
0.73
2.06
P/S 3.70
SRCE's P/S is ranked lower than
65% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. SRCE: 3.70 )
Ranked among companies with meaningful P/S only.
SRCE' s P/S Range Over the Past 10 Years
Min: 1.53  Med: 2.65 Max: 8.71
Current: 3.7
1.53
8.71
PFCF 10.11
SRCE's PFCF is ranked higher than
54% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. SRCE: 10.11 )
Ranked among companies with meaningful PFCF only.
SRCE' s PFCF Range Over the Past 10 Years
Min: 2.77  Med: 9.36 Max: 26.19
Current: 10.11
2.77
26.19
POCF 9.16
SRCE's POCF is ranked higher than
51% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. SRCE: 9.16 )
Ranked among companies with meaningful POCF only.
SRCE' s POCF Range Over the Past 10 Years
Min: 2.47  Med: 7.41 Max: 21.03
Current: 9.16
2.47
21.03
EV-to-EBIT 11.79
SRCE's EV-to-EBIT is ranked higher than
56% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. SRCE: 11.79 )
Ranked among companies with meaningful EV-to-EBIT only.
SRCE' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.7  Med: 11.60 Max: 29
Current: 11.79
-3.7
29
EV-to-EBITDA 9.23
SRCE's EV-to-EBITDA is ranked higher than
65% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. SRCE: 9.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
SRCE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.8  Med: 8.70 Max: 29
Current: 9.23
-2.8
29
PEG 1.65
SRCE's PEG is ranked lower than
65% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SRCE: 1.65 )
Ranked among companies with meaningful PEG only.
SRCE' s PEG Range Over the Past 10 Years
Min: 0.56  Med: 1.18 Max: 13.31
Current: 1.65
0.56
13.31
Shiller P/E 20.52
SRCE's Shiller P/E is ranked lower than
63% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. SRCE: 20.52 )
Ranked among companies with meaningful Shiller P/E only.
SRCE' s Shiller P/E Range Over the Past 10 Years
Min: 9.73  Med: 15.63 Max: 23.03
Current: 20.52
9.73
23.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.04
SRCE's Dividend Yield is ranked lower than
70% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. SRCE: 2.04 )
Ranked among companies with meaningful Dividend Yield only.
SRCE' s Dividend Yield Range Over the Past 10 Years
Min: 1.56  Med: 2.56 Max: 4.2
Current: 2.04
1.56
4.2
Dividend Payout 0.31
SRCE's Dividend Payout is ranked higher than
55% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SRCE: 0.31 )
Ranked among companies with meaningful Dividend Payout only.
SRCE' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.31 Max: 1.85
Current: 0.31
0.13
1.85
Dividend Growth (3y) 3.50
SRCE's Dividend Growth (3y) is ranked lower than
66% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. SRCE: 3.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SRCE' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.9  Med: 6.60 Max: 16.7
Current: 3.5
2.9
16.7
Forward Dividend Yield 2.09
SRCE's Forward Dividend Yield is ranked lower than
73% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. SRCE: 2.09 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.42
SRCE's Yield on cost (5-Year) is ranked lower than
66% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SRCE: 2.42 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SRCE' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.87  Med: 3.07 Max: 5.04
Current: 2.42
1.87
5.04
3-Year Average Share Buyback Ratio 0.30
SRCE's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SRCE: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SRCE' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.5  Med: 0.05 Max: 2.4
Current: 0.3
-2.5
2.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
SRCE's Price/Tangible Book is ranked lower than
73% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. SRCE: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
SRCE' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.86  Med: 1.49 Max: 3.13
Current: 1.57
0.86
3.13
Price/Projected FCF 0.67
SRCE's Price/Projected FCF is ranked lower than
52% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SRCE: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
SRCE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.56 Max: 0.91
Current: 0.67
0.31
0.91
Price/Median PS Value 1.39
SRCE's Price/Median PS Value is ranked lower than
86% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SRCE: 1.39 )
Ranked among companies with meaningful Price/Median PS Value only.
SRCE' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.54  Med: 1.07 Max: 3.26
Current: 1.39
0.54
3.26
Price/Graham Number 1.07
SRCE's Price/Graham Number is ranked lower than
71% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SRCE: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
SRCE' s Price/Graham Number Range Over the Past 10 Years
Min: 0.66  Med: 1.00 Max: 1.82
Current: 1.07
0.66
1.82
Earnings Yield (Greenblatt) (%) 8.50
SRCE's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SRCE: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SRCE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 8.50 Max: 13.2
Current: 8.5
3.4
13.2
Forward Rate of Return (Yacktman) (%) 14.27
SRCE's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. SRCE: 14.27 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SRCE' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8.7  Med: 16.25 Max: 32.3
Current: 14.27
-8.7
32.3

More Statistics

Revenue(Mil) $254
EPS $ 2.17
Beta1.07
Short Percentage of Float2.09%
52-Week Range $27.01 - 34.66
Shares Outstanding(Mil)25.85

Analyst Estimate

Dec16
Revenue(Mil)
EPS($) 2.00
EPS without NRI($) 2.00

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:SSB, NAS:TRMK, NAS:ONB, NAS:NPBC, NAS:CHFC, NAS:BANR » details
1st Source Corp is an Indiana corporation incorporated in 1971. It is a bank holding company of 1st Source Bank that offers commercial and consumer banking services, trust and investment management services, and insurance to individual and business clients through most of its 77 banking center locations in 17 counties in Indiana and Michigan. 1st Source Bank's Specialty Finance Group, with 22 locations nationwide, offers specialized financing services for new and used private and cargo aircraft, automobiles and light trucks for leasing and rental agencies, medium and heavy duty trucks, construction and environmental equipment. Its services include Commercial, Agricultural, and Real Estate Loans, Consumer Services, Trust Services, and Specialty Finance Group Service. Commercial, Agricultural, and Real Estate Loans include commercial, small business, agricultural, and real estate loans to primarily privately owned business clients mainly located within its regional market area. Loans are made for a wide variety of general corporate purposes, including financing for industrial and commercial properties, financing for equipment, inventories and accounts receivable, and acquisition financing. Other services include commercial leasing, cash management services and retirement planning services. Consumer Services include consumer banking products and services through its banking centers and at 1stsource.com. In a number of its markets, it also offers insurance products through 1st Source Insurance offices. The traditional banking services include checking and savings accounts, certificates of deposits and Individual Retirement Accounts. It offers a full line of on-line and mobile banking products which includes bill payment. Consumers also have the ability to obtain consumer loans, real estate loans and lines of credit in any of its banking centers or on-line. It also offers a variety of financial planning, financial literacy and other consultative services to its customers. Trust Service provide a wide range of trust, investment, agency, and custodial services for individual, corporate, and not-for-profit clients. These services include the administration of estates and personal trusts, as well as the management of investment accounts for individuals, employee benefit plans, and charitable foundations. Specialty Finance Group Services provides a equipment loan and lease finance products addressing the financing needs of a broad array of companies. This can be broken down into four areas: auto and light trucks; medium and heavy duty trucks; new and used aircraft; and construction and environmental equipment. It competes with other financial service companies, such as credit unions, industrial loan associations, securities firms, insurance companies, small loan companies, finance companies, mortgage companies, real estate investment trusts, certain governmental agencies, credit organizations, and other enterprises. The Company's operation
» More Articles for SRCE

Headlines

Articles On GuruFocus.com
5 Dividend Champion Stocks May 06 2015 
12 Higher Yielding Stocks with a Low Dividend Payout Ratio Nov 27 2013 
The Best Stocks With Dividend Growth From Last Week (July 23 – July 29, 2012) Jul 29 2012 
1st Source Corp. Reports Operating Results (10-K) Feb 17 2011 
1st Source Corp. Reports Operating Results (10-Q) Oct 21 2010 
1st Source Corp. Reports Operating Results (10-Q) Jul 22 2010 
1st Source Corp. (SRCE) CEO Christopher J Iii Murphy buys 5,000 Shares Dec 16 2009 
1st Source Corp. (SRCE) CEO Christopher J Iii Murphy buys 5,000 Shares Nov 04 2009 
1st Source Corp. (SRCE) CEO Christopher J Iii Murphy buys 5,000 Shares Nov 04 2009 
1st Source Corp. Reports Operating Results (10-Q) Oct 22 2009 

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