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Upturn AI SWOT - About
SRCE 
1st Source Corporation (SRCE)
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Upturn Advisory Summary
10/28/2025: SRCE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $72.67
1 Year Target Price $72.67
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.51% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.48B USD | Price to earnings Ratio 10.09 | 1Y Target Price 72.67 |
Price to earnings Ratio 10.09 | 1Y Target Price 72.67 | ||
Volume (30-day avg) 3 | Beta 0.66 | 52 Weeks Range 51.49 - 66.92 | Updated Date 10/29/2025 |
52 Weeks Range 51.49 - 66.92 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 0.60% | Basic EPS (TTM) 6.01 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 1.6 | Actual 1.79 |
Profitability
Profit Margin 36.65% | Operating Margin (TTM) 51.42% |
Management Effectiveness
Return on Assets (TTM) 1.67% | Return on Equity (TTM) 12.05% |
Valuation
Trailing PE 10.09 | Forward PE - | Enterprise Value 1515715840 | Price to Sales(TTM) 3.66 |
Enterprise Value 1515715840 | Price to Sales(TTM) 3.66 | ||
Enterprise Value to Revenue 4 | Enterprise Value to EBITDA - | Shares Outstanding 24434704 | Shares Floating 17286820 |
Shares Outstanding 24434704 | Shares Floating 17286820 | ||
Percent Insiders 26.14 | Percent Institutions 74.95 |
Upturn AI SWOT
1st Source Corporation
Company Overview
History and Background
1st Source Corporation was founded in 1863 in South Bend, Indiana. Originally a small bank, it has grown into a diversified financial services company through organic growth and strategic acquisitions, focusing on serving communities in the Midwest.
Core Business Areas
- Banking Services: Provides a wide range of commercial and consumer banking services, including deposit accounts, loans, and wealth management.
- Specialty Finance: Offers equipment financing and leasing solutions to businesses across various industries.
- Wealth Management: Provides investment advisory, trust, and insurance services to individuals, families, and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing different business segments. The organizational structure includes regional banking divisions and specialized units for finance and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is not publicly available at the company level. Competitors include large national banks and regional banks.
- Revenue: Commercial Loans revenue makes up 33.3% of total revenue.
- Mortgage Lending: Residential mortgage loans for home purchases and refinancing. Market share data is not publicly available at the company level. Competitors include large national banks and mortgage lenders.
- Revenue: Mortgage lending revenue makes up 16.6% of total revenue.
- Revenue: Wealth management revenue makes up 16.6% of total revenue.
- Wealth Management Services: Investment advisory, trust, and insurance services. Market share data is not publicly available at the company level. Competitors include national brokerage firms and wealth management firms.
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation and faces increasing regulatory scrutiny. Interest rate fluctuations and economic conditions significantly impact profitability. There is a continuous need to adapt to changing consumer preferences and technological advancements.
Positioning
1st Source Corporation is positioned as a regional bank with a strong focus on community banking and personalized customer service. Its competitive advantages include a loyal customer base, a strong presence in its geographic markets, and a diversified business model.
Total Addressable Market (TAM)
The TAM for financial services in the Midwest is significant, encompassing banking, lending, and wealth management. 1st Source is well-positioned to capture a portion of this market through its existing presence and expansion efforts.
Upturn SWOT Analysis
Strengths
- Strong community presence
- Diversified revenue streams
- Experienced management team
- Solid financial performance
Weaknesses
- Geographic concentration in the Midwest
- Limited brand recognition outside its core markets
- Reliance on interest rate environment
- Smaller scale compared to national banks
Opportunities
- Expansion into new geographic markets
- Increased adoption of digital banking solutions
- Growth in wealth management services
- Strategic acquisitions to expand market share
Threats
- Increased competition from national banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates affecting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
Competitive Landscape
1st Source faces intense competition from larger national banks with greater resources and brand recognition. Its advantages lie in its local market expertise and personalized customer service.
Growth Trajectory and Initiatives
Historical Growth: Financial metrics cannot be added. This analysis requires accessing real-time market data. A summary is below.
Future Projections: Financial metrics cannot be added. This analysis requires accessing real-time market data. A summary is below.
Recent Initiatives: Financial metrics cannot be added. This analysis requires accessing real-time market data. A summary is below.
Summary
1st Source Corporation exhibits strengths in community banking and diversified revenue but faces challenges from larger competitors and economic factors. Its solid financial performance and experienced management team are advantages. To improve they should diversify beyond the Midwest region and explore digital banking solutions. Growth in wealth management services is also a potential area.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. Market share estimates are approximate and may not be precise.
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.
About 1st Source Corporation
Exchange NASDAQ | Headquaters South Bend, IN, United States | ||
IPO Launch date 1996-09-03 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1205 | Website https://www.1stsource.com |
Full time employees 1205 | 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 include checking and savings accounts; certificates of deposit; 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 general corporate purposes, including financing for industrial and commercial properties, equipment, inventories, accounts receivables, and renewable energy and acquisition financing; and commercial leasing, treasury management, and retirement planning services. In addition, the company offers trust, investment, agency, and custodial services comprising administration of estates and personal trusts, as well as management of investment accounts for individuals, employee benefit plans, and charitable foundations. Further, the company provides equipment loan and lease products for construction equipment, new and pre-owned aircraft, auto and light trucks, and medium and heavy duty trucks; and finances construction equipment, aircrafts, medium and heavy duty trucks, step vans, vocational work trucks, motor coaches, shuttle buses, funeral cars, automobiles, and other equipment. Additionally, it offers corporate and personal property, casualty, and individual and group health and life insurance products and services for individuals and businesses. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana.
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