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1st SourceSRCE -0.12%66 OCF Margin % is 42.95% as of Jun. 2026, which is 14% below its 10-year median of 49.80. GuruFocus rates SRCE with a GF Score™ of 66/100 and a GF Value™ of $69.87 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, 1st Source ranks better than 72.03% on this metric.
The historical data trend for 1st Source's OCF Margin % 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.
For the Banks - Regional subindustry, 1st Source's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Source's OCF Margin % distribution charts can be found below:
* The bar in red indicates where 1st Source's OCF Margin % falls into.
* 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 OCF Margin % of 42.95% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on 1st Source and its competitors. This is 14% below median its historical median of 49.80. Over the past decade, 1st Source's OCF Margin % has ranged from 37.92 to 51.44. According to the industry distribution chart, 1st Source ranks #419 out of 1498 companies in the Banks industry, placing it in the top 28%.
Is 1st Source's OCF Margin % too high?
1st Source's current OCF Margin % of 42.95% is 14% below median its 10-year median of 49.80. Over the past 10 years, this metric has ranged from a low of 37.92 to a high of 51.44. The Banks industry median OCF Margin % is 29.27. 1st Source's value of 42.95% is 46.8% above this industry median. Based on the distribution chart, 1st Source ranks #419 out of 1498 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 OCF Margin % compare to HAPN and FCF?
According to the Banks industry distribution chart, 1st Source ranks #419 out of 1498 companies for OCF Margin %. This puts 1st Source in the upper half of its industry. The industry median OCF Margin % is 29.27. 1st Source's value of 42.95% is 46.8% above this benchmark. Historically, 1st Source's own OCF Margin % has ranged from 37.92 to 51.44 over the past decade. While the company's 10-year median is 49.80 vs. the industry median of 29.27, 1st Source has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.27, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Source's current OCF Margin % of 42.95% is 46.8% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on 1st Source and its competitors. For the Banks industry, the median OCF Margin % is 29.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Source's current OCF Margin % is 42.95%, which is 14% below median its own 10-year median of 49.80. 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 OCF Margin % is 42.95%, which is 14% below median its 10-year median of 49.80 and 46.8% above the Banks industry median of 29.27. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For 1st Source (SRCE), the current OCF Margin % is 42.95% 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:
OCF Margin %: 42.95% (14% below median its 10-year median of 49.80)
GF Value™: $69.87 vs. price of $89.69 (28.4% above fair value)
Industry Position: 46.8% above the Banks median (#419 of 1498)
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
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