Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
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
09/28/2026: SRCE (2-star) has a low Upturn Star Rating. Not recommended to BUY.
1st Source Corporation is a stable regional bank holding company known for its conservative credit culture and specialized financing niches, particularly in the aircraft and heavy equipment sectors. Its main strength lies in its long-standing relationship banking model in Northern Indiana and Michigan, which supports a loyal deposit base. The company's primary growth opportunity is the continued expansion of its specialized lending nationwide. However, investors must monitor risks related to regional economic concentration, interest rate volatility, and increased competition. 1st Source serves as a solid fit for value and dividend-oriented investors seeking long-term stability rather than high-growth momentum, provided they can tolerate regional banking cyclicality.
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 is a mature regional bank with slow, steady growth rather than high-growth characteristics. |
| Momentum investor | Mixed fit | Momentum is generally tied to sector trends, fitting only during periods of positive industry-wide banking performance. |
| Value investor | Strong fit | The company often trades at reasonable valuations relative to book value and core earnings power. |
| Dividend investor | Strong fit | A consistent history of dividend payments makes it an attractive choice for income-oriented portfolios. |
| Low-risk investor | Strong fit | Conservative management and strong capital ratios offer lower risk relative to many other banking institutions. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to macroeconomic conditions and interest rate shifts. |
| Valuation risk | Low | Trading multiples typically stay within reasonable bounds of historical averages for regional banks. |
| Competition risk (Banking) | Medium / high | Intense competition from larger banks affects loan pricing and deposit capture. |
| Business quality | Strong | A long-standing history of conservative risk management supports a high-quality reputation. |
| Dividend income | Low | The dividend is considered stable and well-supported by earnings. |
| Execution risk | Medium | Successful growth depends on maintaining credit quality in specialized lending niches. |
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 19.13% | Avg. Invested days 53 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/28/2026 |
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 2.07B USD | Price to earnings Ratio 12.35 | 1Y Target Price 89.67 |
Price to earnings Ratio 12.35 | 1Y Target Price 89.67 | ||
Volume (30-day avg) 103.0K shares | Beta 0.55 | 52 Weeks Range 55.57 - 91.24 | Updated Date 09/27/2026 |
52 Weeks Range 55.57 - 91.24 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 0.94% | Basic EPS (TTM) 6.97 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Banking | Interest earned on commercial and industrial loans and fee income from treasury services. | The bank makes a significant portion of its money by lending to businesses. |
| Specialized Finance | Lending to the aircraft and heavy equipment industries, generating interest and fee revenue. | Niche expertise in equipment lending provides a unique, higher-margin revenue stream. |
| Retail Banking & Wealth | Consumer deposits, mortgage lending, and trust management fees. | Stable consumer deposits support the bank's ability to fund its lending activities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.35 | Forward PE 13.68 | Enterprise Value 2.28B | Price to Sales(TTM) 4.69 |
Enterprise Value 2.28B | Price to Sales(TTM) 4.69 | ||
Enterprise Value to Revenue 5 | 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 79.93 |
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.