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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
10/28/2026: SRCE (2-star) has a low Upturn Star Rating. Not recommended to BUY.
1st Source Corporation is a stable, Midwest-based regional banking and financial services provider known for its conservative credit culture and consistent dividend history. The company leverages niche specialty finance segments, particularly in vehicle and aircraft lending, to differentiate itself from larger competitors and bolster revenue. Its primary opportunity lies in deepening market penetration while enhancing digital services to meet evolving customer demands. Key risks include geographic concentration, sensitivity to regional economic trends, and competition from better-capitalized institutions. It is best suited for value and dividend-oriented investors who prioritize stability and conservative risk management, though stakeholders should monitor loan portfolio quality and interest rate impacts on margins.
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, steady regional bank and does not exhibit high-growth characteristics. |
| Momentum investor | Mixed fit | Momentum is conditional on positive price trends reflecting broader regional banking sector outperformance. |
| Value investor | Strong fit | The stock often trades at valuations reflective of its stable, conservative business model. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments and a stable payout policy. |
| Low-risk investor | Strong fit | The company's conservative credit culture and long history appeal to risk-averse, long-term investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can be sensitive to macroeconomic cycles and interest rate fluctuations. |
| Valuation risk | Low | The stock historically trades near book value, reducing extreme downside valuation risk. |
| Competition risk (regional/national banks) | Medium / high | Larger competitors with greater technology investment can put pressure on margins and market share. |
| Business quality | Strong | The bank maintains a solid reputation and conservative underwriting standards. |
| Dividend income | Low | Dividend payments have been stable, reducing income-related risk. |
| Execution risk | Low | The company has a long-tenured management team with a proven track record of operational stability. |
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 18.27% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/28/2026 |
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 2.12B USD | Price to earnings Ratio 12.06 | 1Y Target Price 95 |
Price to earnings Ratio 12.06 | 1Y Target Price 95 | ||
Volume (30-day avg) 117.8K shares | Beta 0.56 | 52 Weeks Range 57.14 - 91.24 | Updated Date 10/28/2026 |
52 Weeks Range 57.14 - 91.24 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 0.46% | Basic EPS (TTM) 7.29 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The bank makes most of its money from the 'spread' between interest it earns on loans and what it pays customers for deposits. |
| Non-Interest Income | Service charges, trust fees, insurance commissions, and specialty finance fees. | This is the fee-based income, which helps diversify revenue away from traditional loan interest. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 1.83 | Actual 2.16 |
Profitability
Profit Margin 39.42% | Operating Margin (TTM) 54.97% |
Management Effectiveness
Return on Assets (TTM) 1.94% | Return on Equity (TTM) 13.49% |
Valuation
Trailing PE 12.06 | Forward PE 13.68 | Enterprise Value 2.37B | Price to Sales(TTM) 4.69 |
Enterprise Value 2.37B | Price to Sales(TTM) 4.69 | ||
Enterprise Value to Revenue 4.99 | 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 79.97 |
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.
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