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1st SourceSRCE -0.12%66 5-Year Yield-on-Cost % is 2.36 as of Aug. 02, 2026, which is 23% below its 10-year median of 3.06. 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 1,251 Banks companies, 1st Source ranks worse than 75.78% on this metric.
1st Source's yield on cost for the quarter that ended in Jun. 2026 was 2.36.
The historical rank and industry rank for 1st Source's 5-Year Yield-on-Cost % or its related term are showing as below:
SRCE'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.85 Med: 3.06 Max: 5.22
Current: 2.36
During the past 13 years, 1st Source's highest Yield on Cost was 5.22. The lowest was 1.85. And the median was 3.06.
SRCE's 5-Year Yield-on-Cost % is ranked worse than 75.78% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs SRCE: 2.36
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
1st Source 5-Year Yield-on-Cost % Related Terms
SRCE vs HAPN, FCF, CHCO: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, 1st Source's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, 1st Source's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where 1st Source's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of 1st Source is calculated as
1st Source (SRCE) has a 5-Year Yield-on-Cost % of 2.36 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on 1st Source and its competitors. This is 23% below median its historical median of 3.06. Over the past decade, 1st Source's 5-Year Yield-on-Cost % has ranged from 1.85 to 5.22. According to the industry distribution chart, 1st Source ranks #948 out of 1251 companies in the Banks industry, placing it in the top 75.8%.
Is 1st Source's 5-Year Yield-on-Cost % too high?
1st Source's current 5-Year Yield-on-Cost % of 2.36 is 23% below median its 10-year median of 3.06. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 5.22. The Banks industry median 5-Year Yield-on-Cost % is 3.84. 1st Source's value of 2.36 is 38.5% below this industry median. Based on the distribution chart, 1st Source ranks #948 out of 1251 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 5-Year Yield-on-Cost % compare to HAPN and FCF?
According to the Banks industry distribution chart, 1st Source ranks #948 out of 1251 companies for 5-Year Yield-on-Cost %. This places 1st Source in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. 1st Source's value of 2.36 is 38.5% below this benchmark. Historically, 1st Source's own 5-Year Yield-on-Cost % has ranged from 1.85 to 5.22 over the past decade. While the company's 10-year median is 3.06 vs. the industry median of 3.84, 1st Source has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1st Source's current 5-Year Yield-on-Cost % of 2.36 is 38.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on 1st Source and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1st Source's current 5-Year Yield-on-Cost % is 2.36, which is 23% below median its own 10-year median of 3.06. 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 5-Year Yield-on-Cost % is 2.36, which is 23% below median its 10-year median of 3.06 and 38.5% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For 1st Source (SRCE), the current 5-Year Yield-on-Cost % is 2.36 as of Aug. 02, 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:
5-Year Yield-on-Cost %: 2.36 (23% below median its 10-year median of 3.06)
GF Value™: $69.87 vs. price of $89.69 (28.4% above fair value)
Industry Position: 38.5% below the Banks median (#948 of 1251)
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
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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