Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
1st Source's earnings per share without non-recurring items for the
three
months ended in Jun. 2026 was $1.95.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Jun. 2026 was $6.96.
During the past 12 months, 1st Source's average earnings per share (NRI) Growth Rate was 21.90% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was 9.80% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 12.00% per year.
During the past 10 years, the average earnings per share (NRI) Growth Rate was 11.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for 1st Source's EPS without NRI or its related term are showing as below:
SRCE'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -34.7 Med: 14.1 Max: 80.8
Current: 9.8
During the past 13 years, 1st Source's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 80.80% per year. The lowest was -34.70% per year. And the median was 14.10% per year.
SRCE's 3-Year EPS without NRI Growth Rate is ranked better than 56.76% of 1413
companies
in the Banks industry
Industry Median: 7.3
vs SRCE: 9.80
1st Source's EPS (Diluted) for the
three
months ended in Jun. 2026 was $1.95.
Its EPS (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $6.96.
1st Source's EPS (Basic) for the
three
months ended in Jun. 2026 was $1.95.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $6.96.
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
1st Source EPS without NRI Related Terms
1st Source EPS without NRI Historical Data
* Premium members only.
The historical data trend for 1st Source's EPS without NRI can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SRCE vs HAPN, FCF, CHCO: EPS without NRI Comparison
For the Banks - Regional subindustry, 1st Source's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
1st Source PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, 1st Source's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where 1st Source's PE Ratio without NRI falls into.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.96
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
1st Source (SRCE) has a EPS without NRI of $6.96 as of Jun. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on 1st Source and its competitors. According to the industry distribution chart, 1st Source ranks #611 out of 1413 companies in the Banks industry, placing it in the top 43.2%.
Is 1st Source's EPS without NRI too high?
1st Source's current EPS without NRI is $6.96. The Banks industry median EPS without NRI is 7.30. 1st Source's value of $6.96 is 4.7% below this industry median. Based on the distribution chart, 1st Source ranks #611 out of 1413 companies in the Banks industry, which is above the industry midpoint. Overall, 1st Source has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does 1st Source's EPS without NRI compare to HAPN and FCF?
According to the Banks industry distribution chart, 1st Source ranks #611 out of 1413 companies for EPS without NRI. This puts 1st Source in the upper half of its industry. The industry median EPS without NRI is 7.30. 1st Source's value of $6.96 is 4.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Source's current EPS without NRI of $6.96 is 4.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on 1st Source and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Source's current EPS without NRI is $6.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 1st Source stock overvalued right now?
Based on GuruFocus' analysis, 1st Source (SRCE) is currently considered Modestly Overvalued. The stock's GF Value™ is $69.87, compared to a current price of $89.69 — trading 28.4% above its estimated fair value. The current EPS without NRI is $6.96 and 4.7% below the Banks industry median of 7.30. 1st Source's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For 1st Source (SRCE), the current EPS without NRI is $6.96 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is 1st Source (SRCE) Overvalued in 2026?
Based on GuruFocus' analysis, 1st Source stock appears to be overvalued.
The current stock price of $89.69 is trading 28.4% above its estimated GF Value™ of $69.87.
GuruFocus considers 1st Source to be Modestly Overvalued.
Key valuation signals for SRCE:
EPS without NRI: $6.96
GF Value™: $69.87 vs. price of $89.69 (28.4% above fair value)
Industry Position: 4.7% below the Banks median (#611 of 1413)
No single metric tells the full story. See the SRCE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
1st Source Corp provides specialized financing services for construction equipment, aircraft, and vehicle types through its Specialty Finance activities. The company offers commercial, small business, agricultural, and real estate loans, along with commercial leasing, treasury management, and payment services, including Fedwires, ACH, and merchant services. It also provides Renewable Energy Financing for commercial solar projects, a full range of consumer banking products, Trust and Wealth Advisory Services, and insurance products. The company operates in the commercial banking segment, which provides commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and business clients across its markets.
66GF Score
Get the complete analysis for SRCE
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SRCE has been successfully added to your 
