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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.35
NAS:SRCE's Cash to Debt is ranked lower than
78% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:SRCE: 0.35 )
Ranked among companies with meaningful Cash to Debt only.
NAS:SRCE' s Cash to Debt Range Over the Past 10 Years
Min: 0.23  Med: 0.52 Max: 2.31
Current: 0.35
0.23
2.31
Equity to Asset 0.12
NAS:SRCE's Equity to Asset is ranked higher than
68% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:SRCE: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
NAS: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 4.25
NAS:SRCE's Interest Coverage is ranked higher than
76% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:SRCE: 4.25 )
Ranked among companies with meaningful Interest Coverage only.
NAS:SRCE' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 1.52 Max: 4.88
Current: 4.25
0.31
4.88
F-Score: 5
M-Score: -2.47
WACC vs ROIC
7.76%
7.14%
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 (%) 34.28
NAS:SRCE's Operating margin (%) is ranked higher than
58% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:SRCE: 34.28 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:SRCE' s Operating margin (%) Range Over the Past 10 Years
Min: 14.75  Med: 32.34 Max: 35.87
Current: 34.28
14.75
35.87
Net-margin (%) 22.22
NAS:SRCE's Net-margin (%) is ranked higher than
50% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:SRCE: 22.22 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:SRCE' s Net-margin (%) Range Over the Past 10 Years
Min: 11.93  Med: 21.16 Max: 24.38
Current: 22.22
11.93
24.38
ROE (%) 8.81
NAS:SRCE's ROE (%) is ranked higher than
54% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:SRCE: 8.81 )
Ranked among companies with meaningful ROE (%) only.
NAS:SRCE' s ROE (%) Range Over the Past 10 Years
Min: 3.73  Med: 9.16 Max: 11
Current: 8.81
3.73
11
ROA (%) 1.09
NAS:SRCE's ROA (%) is ranked higher than
65% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:SRCE: 1.09 )
Ranked among companies with meaningful ROA (%) only.
NAS:SRCE' s ROA (%) Range Over the Past 10 Years
Min: 0.57  Med: 1.08 Max: 1.22
Current: 1.09
0.57
1.22
Revenue Growth (3Y)(%) 3.00
NAS:SRCE's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:SRCE: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS: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
NAS:SRCE's EBITDA Growth (3Y)(%) is ranked lower than
51% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:SRCE: 5.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS: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
NAS:SRCE's EPS Growth (3Y)(%) is ranked lower than
56% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:SRCE: 5.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS: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
» NAS:SRCE's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


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

» Details

Guru Trades

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
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
» Details

Insider Trades

Latest Guru Trades with SRCE

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:FCF, NYSE:BANC, NAS:LKFN, NAS:BUSE, NAS:HTLF, NAS:CSFL, NAS:HAFC, NAS:SBSI, NAS:BRKL, NAS:WIBC, NAS:STBZ, NAS:CFNL, NAS:STBA, NAS:IBTX, NYSE:CPF, NAS:NFBK, NAS:BPFH, NAS:WSFS, NYSE:FBP, NAS:CHCO » 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) 16.48
SRCE's P/E(ttm) is ranked lower than
66% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. SRCE: 16.48 )
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: 16.48
10.51
22.88
PE(NRI) 16.48
SRCE's PE(NRI) is ranked lower than
66% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. SRCE: 16.48 )
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: 16.48
10.52
22.94
Price/Owner Earnings (ttm) 10.32
SRCE's Price/Owner Earnings (ttm) is ranked higher than
62% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. SRCE: 10.32 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SRCE' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.86  Med: 9.75 Max: 5340
Current: 10.32
3.86
5340
P/B 1.39
SRCE's P/B is ranked lower than
72% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SRCE: 1.39 )
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: 1.39
0.73
2.06
P/S 3.64
SRCE's P/S is ranked lower than
62% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. SRCE: 3.64 )
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: 3.64
1.53
8.71
PFCF 9.76
SRCE's PFCF is ranked higher than
54% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. SRCE: 9.76 )
Ranked among companies with meaningful PFCF only.
SRCE' s PFCF Range Over the Past 10 Years
Min: 2.38  Med: 8.52 Max: 26.19
Current: 9.76
2.38
26.19
POCF 8.81
SRCE's POCF is ranked higher than
53% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. SRCE: 8.81 )
Ranked among companies with meaningful POCF only.
SRCE' s POCF Range Over the Past 10 Years
Min: 2.27  Med: 7.01 Max: 31.09
Current: 8.81
2.27
31.09
EV-to-EBIT 11.76
SRCE's EV-to-EBIT is ranked higher than
54% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. SRCE: 11.76 )
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: 11.76
-3.7
29
EV-to-EBITDA 9.01
SRCE's EV-to-EBITDA is ranked higher than
62% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. SRCE: 9.01 )
Ranked among companies with meaningful EV-to-EBITDA only.
SRCE' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.8  Med: 8.55 Max: 20.4
Current: 9.01
-2.8
20.4
PEG 3.64
SRCE's PEG is ranked lower than
83% of the 740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SRCE: 3.64 )
Ranked among companies with meaningful PEG only.
SRCE' s PEG Range Over the Past 10 Years
Min: 0.93  Med: 1.46 Max: 21.86
Current: 3.64
0.93
21.86
Shiller P/E 20.79
SRCE's Shiller P/E is ranked lower than
61% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. SRCE: 20.79 )
Ranked among companies with meaningful Shiller P/E only.
SRCE' s Shiller P/E Range Over the Past 10 Years
Min: 9.81  Med: 15.96 Max: 23.21
Current: 20.79
9.81
23.21

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.03
SRCE's Dividend Yield is ranked lower than
68% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SRCE: 2.03 )
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: 2.03
1.56
4.2
Dividend Payout 0.33
SRCE's Dividend Payout is ranked higher than
50% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 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
66% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 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 2.04
SRCE's Forward Dividend Yield is ranked lower than
73% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. SRCE: 2.04 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.45
SRCE's Yield on cost (5-Year) is ranked lower than
64% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. SRCE: 2.45 )
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: 2.45
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 1052 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 1.59
SRCE's Price/Tangible Book is ranked lower than
72% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SRCE: 1.59 )
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: 3.13
Current: 1.59
0.86
3.13
Price/Projected FCF 0.64
SRCE's Price/Projected FCF is ranked higher than
57% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. SRCE: 0.64 )
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: 0.8
Current: 0.64
0.31
0.8
Price/Median PS Value 1.36
SRCE's Price/Median PS Value is ranked lower than
82% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SRCE: 1.36 )
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: 1.36
0.54
3.24
Price/Graham Number 1.08
SRCE's Price/Graham Number is ranked lower than
67% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SRCE: 1.08 )
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 Max: 1.82
Current: 1.08
0.67
1.82
Earnings Yield (Greenblatt) (%) 8.48
SRCE's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SRCE: 8.48 )
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: 8.48
3.4
13.2
Forward Rate of Return (Yacktman) (%) 11.88
SRCE's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. SRCE: 11.88 )
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: 11.88
0.3
27.6

More Statistics

Revenue (TTM) (Mil) $255.0
EPS (TTM) $ 2.16
Beta0.89
Short Percentage of Float1.12%
52-Week Range $27.01 - 35.84
Shares Outstanding (Mil)25.87

Analyst Estimate

Dec16
Revenue (Mil $)
EPS ($) 2.00
EPS w/o NRI ($) 2.00
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.76
» More Articles for NAS: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 Bank provides tips to protect consumers against ATM skimming fraud Sep 27 2016
John Ball Promoted to President of 1st Source Insurance Sep 23 2016
Chris Strafford to lead 1st Source Personal Asset Management Group Sep 19 2016
1st Source Corp. breached its 50 day moving average in a Bearish Manner : SRCE-US : September 15,... Sep 15 2016
1ST SOURCE CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 14 2016
1st Source Bank announces the promotion of Raquel Holdgrafer Sep 08 2016
1st Source Bank announces the Promotion of Andrea Soule Sep 08 2016
1st Source Bank announces the promotion of Jennifer Castaneda Sep 08 2016
1st Source Bank announces the Promotion of Luis Zapata Sep 08 2016
INVESTIndiana announces executive presentation schedule Sep 06 2016
1st Source Corp. :SRCE-US: Earnings Analysis: Q2, 2016 By the Numbers : August 30, 2016 Aug 30 2016
Mike Campo joins 1st Source Retirement Plan Services in Fort Wayne Aug 29 2016
1st Source Bank Awards $15,000 Grant to Blue Jacket Career Academy Aug 17 2016
1st Source Bank to add new Banking Center in Elkhart Aug 17 2016
1ST SOURCE CORP Files SEC form 8-K, Change in Directors or Principal Officers Aug 08 2016
1st Source Ranked #10 Best Performing Bank in Country Aug 04 2016
1ST SOURCE CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 29 2016
1ST SOURCE CORP Financials Jul 27 2016
1st Source posts 2Q profit Jul 21 2016
1st Source posts 2Q profit Jul 21 2016

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