1st Source Statistics

Total Valuation

1st Source has a market cap or net worth of $1.58 billion.

Market Cap	1.58B
Enterprise Value	n/a

Important Dates

The next confirmed earnings date is Thursday, January 23, 2025, after market close.

Earnings Date	Jan 23, 2025
Ex-Dividend Date	Nov 5, 2024

Share Statistics

1st Source has 24.52 million shares outstanding. The number of shares has decreased by -0.80% in one year.

Current Share Class	24.52M
Shares Outstanding	24.52M
Shares Change (YoY)	-0.80%
Shares Change (QoQ)	+0.08%
Owned by Insiders (%)	25.91%
Owned by Institutions (%)	50.29%
Float	17.43M

Valuation Ratios

The trailing PE ratio is 12.21 and the forward PE ratio is 12.22.

PE Ratio	12.21
Forward PE	12.22
PS Ratio	4.29
Forward PS	3.99
PB Ratio	1.44
P/TBV Ratio	1.55
P/FCF Ratio	8.12
P/OCF Ratio	7.76
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.45
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.01%.

Return on Equity (ROE)	12.01%
Return on Assets (ROA)	1.50%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$315,395
Profits Per Employee	$109,727
Employee Count	1,170
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, 1st Source has paid $37.92 million in taxes.

Income Tax	37.92M
Effective Tax Rate	22.64%

Stock Price Statistics

The stock price has increased by +28.45% in the last 52 weeks. The beta is 0.79, so 1st Source's price volatility has been lower than the market average.

Beta (5Y)	0.79
52-Week Price Change	+28.45%
50-Day Moving Average	61.69
200-Day Moving Average	55.81
Relative Strength Index (RSI)	51.87
Average Volume (20 Days)	76,555

Short Selling Information

The latest short interest is 177,916, so 0.73% of the outstanding shares have been sold short.

Short Interest	177,916
Short Previous Month	145,798
Short % of Shares Out	0.73%
Short % of Float	1.02%
Short Ratio (days to cover)	2.15

Income Statement

In the last 12 months, 1st Source had revenue of $369.01 million and earned $128.38 million in profits. Earnings per share was $5.25.

Revenue	369.01M
Gross Profit	369.01M
Operating Income	173.85M
Pretax Income	164.80M
Net Income	128.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.25

Full Income Statement

Balance Sheet

The company has $169.36 million in cash and $284.09 million in debt, giving a net cash position of -$114.73 million or -$4.68 per share.

Cash & Cash Equivalents	169.36M
Total Debt	284.09M
Net Cash	-114.73M
Net Cash Per Share	-$4.68
Equity (Book Value)	1.18B
Book Value Per Share	45.05
Working Capital	-7.28B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $204.46 million and capital expenditures -$9.20 million, giving a free cash flow of $195.26 million.

Operating Cash Flow	204.46M
Capital Expenditures	-9.20M
Free Cash Flow	195.26M
FCF Per Share	$7.96

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	47.11%
Pretax Margin	45.40%
Profit Margin	35.12%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	50.98%

Dividends & Yields

This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 2.25%.

Dividend Per Share	$1.44
Dividend Yield	2.25%
Dividend Growth (YoY)	7.69%
Years of Dividend Growth	37
Payout Ratio	27.45%
Buyback Yield	0.80%
Shareholder Yield	3.03%
Earnings Yield	8.09%
FCF Yield	12.31%

Dividend Details

Analyst Forecast

The average price target for 1st Source is $64.75, which is 0.26% higher than the current price. The consensus rating is "Hold".

Price Target	$64.75
Price Target Difference	0.26%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on August 3, 2015. It was a forward split with a ratio of 1.1:1.

Last Split Date	Aug 3, 2015
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4