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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
78% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 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: 0.52 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: 0.1 Max: 0.13
Current: 0.12
0.08
0.13
Interest Coverage 4.09
SRCE's Interest Coverage is ranked higher than
76% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SRCE: 4.09 )
Ranked among companies with meaningful Interest Coverage only.
SRCE' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 1.52 Max: 4.88
Current: 4.09
0.31
4.88
F-Score: 5
M-Score: -2.47
WACC vs ROIC
7.56%
7.27%
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 (%) 34.34
SRCE's Operating margin (%) is ranked higher than
58% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. SRCE: 34.34 )
Ranked among companies with meaningful Operating margin (%) only.
SRCE' s Operating margin (%) Range Over the Past 10 Years
Min: 14.75  Med: 32.34 Max: 35.87
Current: 34.34
14.75
35.87
Net-margin (%) 22.17
SRCE's Net-margin (%) is ranked higher than
50% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. SRCE: 22.17 )
Ranked among companies with meaningful Net-margin (%) only.
SRCE' s Net-margin (%) Range Over the Past 10 Years
Min: 11.93  Med: 21.16 Max: 24.38
Current: 22.17
11.93
24.38
ROE (%) 8.76
SRCE's ROE (%) is ranked higher than
53% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. SRCE: 8.76 )
Ranked among companies with meaningful ROE (%) only.
SRCE' s ROE (%) Range Over the Past 10 Years
Min: 3.73  Med: 9.16 Max: 11
Current: 8.76
3.73
11
ROA (%) 1.08
SRCE's ROA (%) is ranked higher than
65% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. SRCE: 1.08 )
Ranked among companies with meaningful ROA (%) only.
SRCE' s ROA (%) Range Over the Past 10 Years
Min: 0.57  Med: 1.08 Max: 1.22
Current: 1.08
0.57
1.22
Revenue Growth (3Y)(%) 3.00
SRCE's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. SRCE: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SRCE' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -7.5  Med: 3 Max: 20.3
Current: 3
-7.5
20.3
EBITDA Growth (3Y)(%) 5.60
SRCE's EBITDA Growth (3Y)(%) is ranked lower than
51% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SRCE: 5.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SRCE' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.5  Med: 5.6 Max: 28.8
Current: 5.6
-16.5
28.8
EPS Growth (3Y)(%) 5.70
SRCE's EPS Growth (3Y)(%) is ranked lower than
55% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SRCE: 5.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SRCE' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.7  Med: 6.8 Max: 50.7
Current: 5.7
-34.7
50.7
» SRCE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

SRCE Guru Trades in Q4 2015

Jim Simons 78,708 sh (+18.51%)
» More
Q1 2016

SRCE Guru Trades in Q1 2016

Jim Simons 96,940 sh (+23.16%)
» More
Q2 2016

SRCE Guru Trades in Q2 2016

Jim Simons 94,740 sh (-2.27%)
» More
Q3 2016

SRCE Guru Trades in Q3 2016

Jim Simons 96,540 sh (+1.90%)
» More
» Details

Insider Trades

Latest Guru Trades with SRCE

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:HAFC, NAS:SBSI, NAS:SYBT, NAS:CFNL, NAS:CSFL, NAS:BUSE, NAS:BRKL, NAS:STBZ, NAS:LKFN, NYSE:CPF, NAS:IBTX, NYSE:CUBI, NAS:CHCO, NYSE:FCF, NAS:HTLF, NAS:NFBK, NAS:PPBI, NAS:WASH, NAS:SASR, NAS:OPB » details
1st Source Corp 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.

1st Source Corp is an Indiana corporation incorporated in 1971. The Company through its subsidiary, 1st Source Bank offers commercial and consumer banking services, trust and investment management services, and insurance to individual and business clients through 81 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, and construction 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 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 provides 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 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 operations are subject to extensive federal and

Ratios

vs
industry
vs
history
P/E(ttm) 18.26
SRCE's P/E(ttm) is ranked lower than
67% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. SRCE: 18.26 )
Ranked among companies with meaningful P/E(ttm) only.
SRCE' s P/E(ttm) Range Over the Past 10 Years
Min: 10.51  Med: 14.42 Max: 22.88
Current: 18.26
10.51
22.88
Forward P/E 16.64
SRCE's Forward P/E is ranked lower than
62% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. SRCE: 16.64 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.26
SRCE's PE(NRI) is ranked lower than
67% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. SRCE: 18.26 )
Ranked among companies with meaningful PE(NRI) only.
SRCE' s PE(NRI) Range Over the Past 10 Years
Min: 10.52  Med: 14.4 Max: 22.94
Current: 18.26
10.52
22.94
Price/Owner Earnings (ttm) 11.16
SRCE's Price/Owner Earnings (ttm) is ranked higher than
61% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. SRCE: 11.16 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SRCE' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.57  Med: 9.67 Max: 55.92
Current: 11.16
3.57
55.92
P/B 1.56
SRCE's P/B is ranked lower than
73% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SRCE: 1.56 )
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: 1.56
0.73
2.06
P/S 4.03
SRCE's P/S is ranked lower than
64% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. SRCE: 4.03 )
Ranked among companies with meaningful P/S only.
SRCE' s P/S Range Over the Past 10 Years
Min: 1.53  Med: 2.67 Max: 8.71
Current: 4.03
1.53
8.71
PFCF 11.66
SRCE's PFCF is ranked higher than
52% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. SRCE: 11.66 )
Ranked among companies with meaningful PFCF only.
SRCE' s PFCF Range Over the Past 10 Years
Min: 2.38  Med: 8.61 Max: 26.19
Current: 11.66
2.38
26.19
POCF 10.42
SRCE's POCF is ranked higher than
51% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SRCE: 10.42 )
Ranked among companies with meaningful POCF only.
SRCE' s POCF Range Over the Past 10 Years
Min: 2.27  Med: 7.01 Max: 13.46
Current: 10.42
2.27
13.46
EV-to-EBIT 12.88
SRCE's EV-to-EBIT is ranked lower than
51% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SRCE: 12.88 )
Ranked among companies with meaningful EV-to-EBIT only.
SRCE' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.7  Med: 11.3 Max: 29
Current: 12.88
-3.7
29
EV-to-EBITDA 9.82
SRCE's EV-to-EBITDA is ranked higher than
56% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. SRCE: 9.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
SRCE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.8  Med: 8.5 Max: 20.4
Current: 9.82
-2.8
20.4
PEG 4.02
SRCE's PEG is ranked lower than
84% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. SRCE: 4.02 )
Ranked among companies with meaningful PEG only.
SRCE' s PEG Range Over the Past 10 Years
Min: 0.93  Med: 1.51 Max: 21.86
Current: 4.02
0.93
21.86
Shiller P/E 23.08
SRCE's Shiller P/E is ranked lower than
60% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. SRCE: 23.08 )
Ranked among companies with meaningful Shiller P/E only.
SRCE' s Shiller P/E Range Over the Past 10 Years
Min: 9.88  Med: 15.89 Max: 23.15
Current: 23.08
9.88
23.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.79
SRCE's Dividend Yield is ranked lower than
70% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. SRCE: 1.79 )
Ranked among companies with meaningful Dividend Yield only.
SRCE' s Dividend Yield Range Over the Past 10 Years
Min: 1.56  Med: 2.55 Max: 4.2
Current: 1.79
1.56
4.2
Dividend Payout 0.33
SRCE's Dividend Payout is ranked lower than
51% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SRCE: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
SRCE' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 2.47
Current: 0.33
0.13
2.47
Dividend Growth (3y) 3.80
SRCE's Dividend Growth (3y) is ranked lower than
65% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. SRCE: 3.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SRCE' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 2.9  Med: 5.7 Max: 16.7
Current: 3.8
2.9
16.7
Forward Dividend Yield 1.82
SRCE's Forward Dividend Yield is ranked lower than
75% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. SRCE: 1.82 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.21
SRCE's Yield on cost (5-Year) is ranked lower than
71% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. SRCE: 2.21 )
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: 1.88  Med: 3.07 Max: 5.06
Current: 2.21
1.88
5.06
3-Year Average Share Buyback Ratio 0.80
SRCE's 3-Year Average Share Buyback Ratio is ranked higher than
84% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. SRCE: 0.80 )
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: -1.9  Med: -0.2 Max: 0.8
Current: 0.8
-1.9
0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.77
SRCE's Price/Tangible Book is ranked lower than
73% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SRCE: 1.77 )
Ranked among companies with meaningful Price/Tangible Book only.
SRCE' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.86  Med: 1.47 Max: 3.11
Current: 1.77
0.86
3.11
Price/Projected FCF 0.68
SRCE's Price/Projected FCF is ranked higher than
59% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. SRCE: 0.68 )
Ranked among companies with meaningful Price/Projected FCF only.
SRCE' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.52 Max: 0.77
Current: 0.68
0.31
0.77
Price/Median PS Value 1.52
SRCE's Price/Median PS Value is ranked lower than
81% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SRCE: 1.52 )
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: 3.24
Current: 1.52
0.54
3.24
Price/Graham Number 1.20
SRCE's Price/Graham Number is ranked lower than
68% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. SRCE: 1.20 )
Ranked among companies with meaningful Price/Graham Number only.
SRCE' s Price/Graham Number Range Over the Past 10 Years
Min: 0.67  Med: 1.01 Max: 1.81
Current: 1.2
0.67
1.81
Earnings Yield (Greenblatt) (%) 7.71
SRCE's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. SRCE: 7.71 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SRCE' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 3.4  Med: 8.8 Max: 13.2
Current: 7.71
3.4
13.2
Forward Rate of Return (Yacktman) (%) 11.52
SRCE's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. SRCE: 11.52 )
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: 0.3  Med: 18.15 Max: 27.6
Current: 11.52
0.3
27.6

More Statistics

Revenue (TTM) (Mil) $257.0
EPS (TTM) $ 2.18
Beta0.76
Short Percentage of Float1.32%
52-Week Range $27.01 - 41.64
Shares Outstanding (Mil)25.88

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 260 267 279
EPS ($) 2.22 2.38 2.55
EPS w/o NRI ($) 2.22 2.38 2.55
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($)
» 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 

More From Other Websites
1ST SOURCE CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Nov 28 2016
1st Source Bank transitions Personal Asset Management Group to Wealth Advisory Services Nov 22 2016
1ST SOURCE CORP Files SEC form 8-K, Other Events Nov 10 2016
1st Source Corp. breached its 50 day moving average in a Bullish Manner : SRCE-US : November 10,... Nov 10 2016
ETF’s with exposure to 1st Source Corp. : November 3, 2016 Nov 03 2016
New 1st Source Bank location to open on Monday Nov 03 2016
1ST SOURCE CORP Financials Oct 26 2016
1st Source Corp. :SRCE-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26, 2016 Oct 26 2016
1st Source Corp. breached its 50 day moving average in a Bearish Manner : SRCE-US : October 24, 2016 Oct 24 2016
1st Source Corporation Announces Third Quarter Earnings Oct 20 2016
1st Source posts 3Q profit Oct 20 2016
1st Source posts 3Q profit Oct 20 2016
1ST SOURCE CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 20 2016
1ST SOURCE CORP Files SEC form 10-Q, Quarterly Report Oct 20 2016
1st Source Corporation Announces Third Quarter Earnings, Cash Dividend Declared Oct 20 2016
1st Source Corp. breached its 50 day moving average in a Bearish Manner : SRCE-US : October 14, 2016 Oct 14 2016
1st Source Bank Announces $300,000 in contributions to Krasl Art Center Oct 13 2016
1st Source Bank opens new Banking Center in Elkhart Oct 13 2016
1st Source Corp. : SRCE-US: Dividend Analysis : August 02nd, 2016 (record date) : By the numbers :... Oct 12 2016
Alterra Power Secures Financing for Kokomo Solar Project Oct 11 2016

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