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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 0.30
SRCE's Cash to Debt is ranked higher than
58% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. SRCE: 0.30 )
SRCE' s 10-Year Cash to Debt Range
Min: 0.23   Max: 2.31
Current: 0.3

0.23
2.31
Equity to Asset 0.13
SRCE's Equity to Asset is ranked higher than
87% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SRCE: 0.13 )
SRCE' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.13

0.08
0.13
Interest Coverage 4.63
SRCE's Interest Coverage is ranked higher than
88% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SRCE: 4.63 )
SRCE' s 10-Year Interest Coverage Range
Min: 0.14   Max: 4.63
Current: 4.63

0.14
4.63
F-Score: 5
Z-Score: 0.32
WACC vs ROIC
11.26%
7.59%
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 (%) 35.08
SRCE's Operating margin (%) is ranked higher than
81% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. SRCE: 35.08 )
SRCE' s 10-Year Operating margin (%) Range
Min: 5.95   Max: 35.87
Current: 35.08

5.95
35.87
Net-margin (%) 24.21
SRCE's Net-margin (%) is ranked higher than
78% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. SRCE: 24.21 )
SRCE' s 10-Year Net-margin (%) Range
Min: 5.23   Max: 24.38
Current: 24.21

5.23
24.38
ROE (%) 9.55
SRCE's ROE (%) is ranked higher than
77% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. SRCE: 9.55 )
SRCE' s 10-Year ROE (%) Range
Min: 3.04   Max: 14.45
Current: 9.55

3.04
14.45
ROA (%) 1.20
SRCE's ROA (%) is ranked higher than
86% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SRCE: 1.20 )
SRCE' s 10-Year ROA (%) Range
Min: 0.29   Max: 1.28
Current: 1.2

0.29
1.28
ROC (Joel Greenblatt) (%) 53.52
SRCE's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. SRCE: 53.52 )
SRCE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.41   Max: 256.83
Current: 53.52

4.41
256.83
Revenue Growth (3Y)(%) 1.60
SRCE's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SRCE: 1.60 )
SRCE' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.5   Max: 20.2
Current: 1.6

-7.5
20.2
EBITDA Growth (3Y)(%) 2.00
SRCE's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SRCE: 2.00 )
SRCE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.4   Max: 28.6
Current: 2

-16.4
28.6
EPS Growth (3Y)(%) 6.70
SRCE's EPS Growth (3Y)(%) is ranked higher than
70% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SRCE: 6.70 )
SRCE' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.5   Max: 50.3
Current: 6.7

-34.5
50.3
» SRCE's 10-Y Financials

Financials


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

» Details

Guru Trades

SRCE Guru Trades in

SRCE Guru Trades in

SRCE Guru Trades in

Q4 2014

SRCE Guru Trades in Q4 2014

Jim Simons 9,300 sh (New)
» 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) 13.50
SRCE's P/E(ttm) is ranked higher than
80% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. SRCE: 13.50 )
SRCE' s 10-Year P/E(ttm) Range
Min: 10.45   Max: 25.73
Current: 13.5

10.45
25.73
Forward P/E 12.82
SRCE's Forward P/E is ranked higher than
76% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 12.82 )
N/A
PE(NRI) 13.20
SRCE's PE(NRI) is ranked higher than
84% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. SRCE: 13.20 )
SRCE' s 10-Year PE(NRI) Range
Min: 10.36   Max: 25.91
Current: 13.2

10.36
25.91
P/B 1.20
SRCE's P/B is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SRCE: 1.20 )
SRCE' s 10-Year P/B Range
Min: 0.73   Max: 2.04
Current: 1.2

0.73
2.04
P/S 3.20
SRCE's P/S is ranked higher than
65% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. SRCE: 3.20 )
SRCE' s 10-Year P/S Range
Min: 1.53   Max: 7.25
Current: 3.2

1.53
7.25
PFCF 10.30
SRCE's PFCF is ranked higher than
84% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 10.30 )
SRCE' s 10-Year PFCF Range
Min: 2.38   Max: 26.64
Current: 10.3

2.38
26.64
POCF 9.14
SRCE's POCF is ranked higher than
85% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. SRCE: 9.14 )
SRCE' s 10-Year POCF Range
Min: 2.27   Max: 41.95
Current: 9.14

2.27
41.95
EV-to-EBIT 10.74
SRCE's EV-to-EBIT is ranked higher than
87% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. SRCE: 10.74 )
SRCE' s 10-Year EV-to-EBIT Range
Min: -3.7   Max: 29
Current: 10.74

-3.7
29
PEG 1.36
SRCE's PEG is ranked higher than
91% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 1.36 )
SRCE' s 10-Year PEG Range
Min: 0.89   Max: 13.47
Current: 1.36

0.89
13.47
Shiller P/E 17.10
SRCE's Shiller P/E is ranked higher than
87% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 17.10 )
SRCE' s 10-Year Shiller P/E Range
Min: 10.09   Max: 25.33
Current: 17.1

10.09
25.33
Days Sales Outstanding 20.38
SRCE's Days Sales Outstanding is ranked higher than
95% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 20.38 )
SRCE' s 10-Year Days Sales Outstanding Range
Min: 221.31   Max: 221.31
Current: 20.38

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
SRCE's Dividend Yield is ranked lower than
53% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. SRCE: 2.20 )
SRCE' s 10-Year Dividend Yield Range
Min: 1.47   Max: 4.21
Current: 2.2

1.47
4.21
Dividend Payout 0.30
SRCE's Dividend Payout is ranked higher than
82% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. SRCE: 0.30 )
SRCE' s 10-Year Dividend Payout Range
Min: 0.13   Max: 2
Current: 0.3

0.13
2
Dividend growth (3y) 3.50
SRCE's Dividend growth (3y) is ranked higher than
71% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SRCE: 3.50 )
SRCE' s 10-Year Dividend growth (3y) Range
Min: 2.9   Max: 16.8
Current: 3.5

2.9
16.8
Yield on cost (5-Year) 2.64
SRCE's Yield on cost (5-Year) is ranked higher than
50% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. SRCE: 2.64 )
SRCE' s 10-Year Yield on cost (5-Year) Range
Min: 1.76   Max: 5.05
Current: 2.64

1.76
5.05
Share Buyback Rate 0.30
SRCE's Share Buyback Rate is ranked higher than
87% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. SRCE: 0.30 )
SRCE' s 10-Year Share Buyback Rate Range
Min: 2.4   Max: -2.5
Current: 0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.43
SRCE's Price/Tangible Book is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. SRCE: 1.43 )
SRCE' s 10-Year Price/Tangible Book Range
Min: 1.03   Max: 2.73
Current: 1.43

1.03
2.73
Price/DCF (Projected) 0.55
SRCE's Price/DCF (Projected) is ranked higher than
91% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 0.55 )
SRCE' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 0.84
Current: 0.55

0.32
0.84
Price/Median PS Value 1.22
SRCE's Price/Median PS Value is ranked higher than
70% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SRCE: 1.22 )
SRCE' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 3.15
Current: 1.22

0.55
3.15
Price/Peter Lynch Fair Value 2.43
SRCE's Price/Peter Lynch Fair Value is ranked higher than
89% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SRCE: 2.43 )
SRCE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32   Max: 2.88
Current: 2.43

0.32
2.88
Price/Graham Number 0.92
SRCE's Price/Graham Number is ranked higher than
78% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SRCE: 0.92 )
SRCE' s 10-Year Price/Graham Number Range
Min: 0.62   Max: 1.79
Current: 0.92

0.62
1.79
Earnings Yield (Greenblatt) 9.20
SRCE's Earnings Yield (Greenblatt) is ranked higher than
82% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SRCE: 9.20 )
SRCE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.4   Max: 13.2
Current: 9.2

3.4
13.2
Forward Rate of Return (Yacktman) 16.75
SRCE's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. SRCE: 16.75 )
SRCE' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.9   Max: 29.4
Current: 16.75

-1.9
29.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » 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
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 
1st Source Corporation Raises Dividend Profitable 2nd Quarter Reported Jul 30 2009 

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