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1st Source Corporation(SRCE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SRCE
09/16/2026: SRCE (2-star) has a low Upturn Star Rating. Not recommended to BUY.
1st Source Corporation is a stable, Midwest-focused regional bank known for its conservative lending culture and a unique national specialization in transportation equipment finance. The company excels by blending traditional relationship-based community banking with diversified, higher-yield specialized lending. Its primary growth opportunity lies in scaling its specialized finance niches and digital banking services. However, investors must monitor risks related to economic cycles in the Midwest and potential interest rate volatility that could impact net interest margins. The stock is best suited for value and dividend-oriented investors seeking a consistent, long-term holding with a historically reliable record of dividend payments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses on steady, conservative growth rather than aggressive, high-multiple expansion. |
| Momentum investor | Mixed fit | The stock tends to trade based on broader interest rate trends rather than short-term price momentum. |
| Value investor | Strong fit | 1st Source is often viewed as a stable, dividend-paying bank that trades at reasonable valuations relative to book value. |
| Dividend investor | Strong fit | The bank maintains a reliable dividend policy supported by conservative financial management. |
| Low-risk investor | Strong fit | Its conservative underwriting and long operational history make it a suitable choice for risk-averse, income-focused investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate fluctuations and macroeconomic cycles. |
| Valuation risk | Low | The stock is typically valued based on stable book value and earnings metrics. |
| Competition risk (regional banking) | Medium / high | Intense competition from larger institutions affects pricing power and deposit acquisition. |
| Business quality | Strong | The bank has a long history of solid credit underwriting and operational stability. |
| Dividend income | Low | Dividend payments are generally secure but rarely show explosive growth. |
| Execution risk | Medium | Success depends on managing specialized portfolios in the national transportation sector. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 19.71% | Avg. Invested days 52 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/16/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.10B USD | Price to earnings Ratio 12.53 | 1Y Target Price 89.67 |
Price to earnings Ratio 12.53 | 1Y Target Price 89.67 | ||
Volume (30-day avg) 106.5K shares | Beta 0.55 | 52 Weeks Range 55.57 - 91.24 | Updated Date 09/16/2026 |
52 Weeks Range 55.57 - 91.24 | Updated Date 09/16/2026 | ||
Dividends yield (FY) 0.92% | Basic EPS (TTM) 6.96 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Community Banking | Retail and commercial lending, deposits, and fee-based services in the Midwest. | This is the core business providing steady, reliable interest income. |
| Specialized Finance | Aircraft, truck, and trailer financing services provided nationwide. | A unique, higher-margin segment that helps the bank grow beyond its local geography. |
| Wealth Management | Trust, investment, and advisory services. | Provides non-interest fee income that helps stabilize the bank's total revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.53 | Forward PE 13.68 | Enterprise Value 2.31B | Price to Sales(TTM) 4.74 |
Enterprise Value 2.31B | Price to Sales(TTM) 4.74 | ||
Enterprise Value to Revenue 5.16 | Enterprise Value to EBITDA - | Shares Outstanding 24.08M | Shares Floating 17.76M |
Shares Outstanding 24.08M | Shares Floating 17.76M | ||
Percent Insiders 26.57 | Percent Institutions 79.88 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About 1st Source Corporation
Exchange NASDAQ | Headquarters South Bend, IN, United States | ||
IPO Launch date 1996-09-03 | President, CEO & Director Ms. Andrea Gayle Short CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1190 | Website https://www.1stsource.com |
Full time employees 1190 | Website https://www.1stsource.com | ||
1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance products to individual and business clients in the United States. The company's consumer banking services, which include checking and savings accounts; certificates of deposit; health savings and individual retirement accounts; online and mobile banking products; consumer loans, real estate mortgage loans, and home equity lines of credit; and financial planning, financial literacy, and other consultative services, as well as debit and credit cards. It also provides commercial, small business, agricultural, and real estate loans for financing of industrial and commercial properties, equipment, inventories, accounts receivables, acquisition, and general corporate purposes; and commercial leasing, treasury management, payment services, Fedwires, ACH and merchant services, and retirement planning services, as well as construction and permanent loans and tax equity investments for community solar, commercial and industrial, small utility scale, university, and municipal projects. In addition, the company offers trust, investment, agency, and custodial services for individual, estate and trust, corporate, and not-for-profit customers, as well as employee benefit plans and charitable foundations. Further, it provides equipment loan and lease products for construction equipment, aircraft, autos and light trucks, and medium and heavy-duty trucks; and financing services for construction equipment, new and pre-owned private and cargo aircraft, and various vehicle types for fleet purposes. Additionally, it offers property, casualty, individual and group health, and life insurance products and services for individuals and businesses; and owns and manages available-for-sale investment securities. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana.
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