What is 1st Source Corp's earnings per share (EPS)?

1st Source Corp (SRCE) reported diluted earnings per share of $6.41 for fiscal year 2025. This represents a 19.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

1st Source Corp (SRCE) Financials

SRCE

Trailing 12 months to June 30, 2026

Revenue $452.8M +11.0% YoY

Net Income $170.9M +21.1% YoY

EPS (Diluted) $6.96 +21.9% YoY

Free Cash Flow $208.1M +1.0% YoY

Market Cap $2.0B as of Oct 9, 2026

Price / Sales 4.5x on $452.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.8x on $170.9M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $1.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SRCE SEC filings page.

1st Source Corp (SRCE) reported $452.8M in revenue over the twelve months to Jun 30, 2026, up 11.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SRCE FY2025 2026-10-04

Earnings are accelerating faster than assets, while declining leverage shows a bank building more capital behind its growth.

Operating cash flow exceeded net income in both FY2021 and FY2025, indicating reported earnings were accompanied by cash generation rather than merely accounting accruals. The dollar spread widened from $48.2M to $64.9M, although bank cash flows can also reflect balance-sheet movements.

Assets rose from $8.1B in FY2021 to $9.1B in FY2025, but capital grew faster than the asset base; debt-to-equity fell from 7.8x to 6.1x. That combination points to a less leveraged funding structure even as the balance sheet expanded.

In FY2025, net income rose 19.3% while reported net margin reached 36.5%, so earnings grew faster than revenue rather than merely tracking it. Return on assets improved from 1.5% in FY2024 to 1.8% in FY2025, while return on equity remained near its prior level, consistent with stronger asset productivity but continued capital accumulation.

Financial Health Signals

Financial Health Score 74/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of 1st Source Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

1st Source Corp earned a return on assets of 1.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.5% the prior year. Earnings ranks banks on that return over three years, and 1st Source Corp scores 88/100 among other banks.

Growth

1st Source Corp reported revenue of $433.8M in fiscal year 2025, against $387.1M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and 1st Source Corp scores 54/100 among other banks.

Capital

1st Source Corp funded 14.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.3B of equity against $9.1B of assets. Capital ranks banks on that cushion, and 1st Source Corp scores 75/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. 1st Source Corp scores 86/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. 1st Source Corp scores 56/100 on it among other banks.

Stability

1st Source Corp reported net income of $158.3M in fiscal year 2025, against $132.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and 1st Source Corp scores 85/100 among other banks.

Piotroski F-Score Partial

6/6

1st Source Corp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.41x

For every $1 of reported earnings, 1st Source Corp generates $1.41 in operating cash flow ($223.1M OCF vs $158.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$118.2M

YoY+9.2%

QoQ+4.4%

5Y CAGR+7.6%

10Y CAGR+6.2%

1st Source Corp generated $118.2M in revenue in Q2 2026. This represents an increase of 9.2% from the same quarter a year earlier. Against the prior quarter it is up 4.4%.

Net Income

$47.5M

YoY+27.4%

QoQ+19.0%

5Y CAGR+9.5%

10Y CAGR+12.6%

1st Source Corp reported $47.5M in net income in Q2 2026. This represents an increase of 27.4% from the same quarter a year earlier. Against the prior quarter it is up 19.0%.

EPS (Diluted)

$1.95

YoY+29.1%

QoQ+19.6%

5Y CAGR+10.4%

10Y CAGR+13.3%

1st Source Corp earned $1.95 per diluted share (EPS) in Q2 2026. This represents an increase of 29.1% from the same quarter a year earlier. Against the prior quarter it is up 19.6%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$49.3M

YoY+14.6%

QoQ-15.2%

5Y CAGR+2.6%

10Y CAGR+10.1%

1st Source Corp generated $49.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 14.6% from the same quarter a year earlier. Against the prior quarter it is down 15.2%.

Cash & Debt

$127.3M

YoY-14.6%

QoQ+7.2%

5Y CAGR-23.0%

10Y CAGR+5.7%

1st Source Corp held $127.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.43

YoY+13.2%

QoQ+7.5%

5Y CAGR+7.5%

10Y CAGR+9.1%

1st Source Corp paid $0.43 per share in dividends in Q2 2026. This represents an increase of 13.2% from the same quarter a year earlier. Against the prior quarter it is up 7.5%.

Shares Outstanding

24M

YoY-1.9%

QoQ+0.1%

5Y CAGR-0.8%

10Y CAGR-0.7%

1st Source Corp had 24M shares outstanding in Q2 2026. This represents a decrease of 1.9% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

40.2%

YoY+5.8pp

QoQ+4.9pp

5Y change+3.3pp

10Y change+17.8pp

1st Source Corp's net profit margin was 40.2% in Q2 2026, showing the share of revenue converted to profit. This is up 5.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.9 percentage points.

Return on Equity

3.6%

YoY+0.5pp

QoQ+0.5pp

5Y change+0.3pp

10Y change+1.4pp

1st Source Corp's ROE was 3.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

YoY-100.0%

QoQ-100.0%

1st Source Corp repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.

Capital Expenditures

$1.4M

YoY-20.5%

QoQ+39.8%

5Y CAGR+16.8%

10Y CAGR-1.6%

1st Source Corp invested $1.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 20.5% from the same quarter a year earlier. Against the prior quarter it is up 39.8%.

R&D Spending

Not reported for Q2 2026.

SRCE Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SRCE quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$452.8M	$433.8M+12.1%	$387.1M+4.8%	$369.3M+4.1%	$354.7M+5.3%	$336.7M+2.1%	$329.7M+1.5%	$325.0M+4.5%	$311.0M+9.4%	$284.3M+10.0%	$258.6M+3.5%	$249.8M+4.9%	$238.2M+1.8%	$234.0M+0.5%	$233.0M+1.6%	$229.3M
SG&A Expenses	$131.6M	$129.6M+6.3%	$121.9M+5.4%	$115.6M+10.0%	$105.1M-0.7%	$105.8M+4.2%	$101.6M+4.6%	$97.1M+3.5%	$93.9M+8.0%	$86.9M+0.1%	$86.8M+0.8%	$86.1M+7.0%	$80.5M+0.9%	$79.8M-3.4%	$82.6M+6.9%	$77.3M
Interest Expense	$155.8M	$166.2M-9.3%	$183.2M+32.5%	$138.3M+355.6%	$30.3M+67.3%	$18.1M-51.3%	$37.2M-36.9%	$59.0M+35.9%	$43.4M+62.3%	$26.8M+21.1%	$22.1M+21.7%	$18.2M-0.3%	$18.2M-20.0%	$22.8M-24.9%	$30.3M-22.5%	$39.1M
Income Tax	$50.6M	$46.1M+20.0%	$38.4M+4.6%	$36.7M+1.4%	$36.3M-0.2%	$36.3M+46.0%	$24.9M-11.6%	$28.1M+24.4%	$22.6M-32.1%	$33.3M+6.3%	$31.3M+0.8%	$31.1M+17.8%	$26.4M-9.0%	$29.0M+11.3%	$26.0M+1.8%	$25.6M
Net Income	$170.9M	$158.3M+19.3%	$132.6M+6.2%	$124.9M+3.7%	$120.5M+1.7%	$118.6M+45.5%	$81.5M-11.5%	$92.0M+11.6%	$82.4M+21.1%	$68.1M+17.8%	$57.8M+0.5%	$57.5M-1.0%	$58.1M+5.7%	$55.0M+10.7%	$49.6M+3.0%	$48.2M
EPS (Basic)	N/A	$6.41+19.6%	$5.36+6.6%	$5.03+3.9%	$4.84+3.0%	$4.70+48.3%	$3.17-11.2%	$3.57+13.0%	$3.16+21.5%	$2.60+17.1%	$2.22+2.3%	$2.170.0%	$2.17+6.9%	$2.03+0.5%	$2.02+3.1%	$1.96
EPS (Diluted)	$6.96	$6.41+19.6%	$5.36+6.6%	$5.03+3.9%	$4.84+3.0%	$4.70+48.3%	$3.17-11.2%	$3.57+13.0%	$3.16+21.5%	$2.60+17.1%	$2.22+2.3%	$2.170.0%	$2.17+6.9%	$2.03+0.5%	$2.02+3.1%	$1.96
Diluted Shares (Avg)	N/A	24M0.0%	24M-0.5%	25M-0.3%	25M-1.4%	25M-1.9%	26M-0.3%	26M-1.3%	26M0.0%	26M+0.2%	26M-1.1%	26M-1.0%	26M-1.3%	27M+10.3%	24M+0.1%	24M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$118.2M+9.2%	$113.1M+8.7%	$110.8M+13.3%	$110.7M+13.0%	$108.2M+11.3%	$104.0M+10.6%	$97.8M+7.0%	$97.9M+4.5%
SG&A Expenses	$33.2M+4.3%	$32.8M+2.2%	$33.4M+5.0%	$32.2M+3.0%	$31.8M+8.8%	$32.1M+8.6%	$31.8M+6.4%	$31.3M+8.3%
Interest Expense	$37.9M-9.7%	$36.0M-15.0%	$39.7M-9.3%	$42.1M-11.7%	$42.0M-10.8%	$42.4M-4.9%	$43.8M+1.3%	$47.7M+25.3%
Income Tax	$14.1M+30.1%	$11.4M+11.9%	$12.4M+44.2%	$12.7M+21.4%	$10.8M-1.1%	$10.2M+20.8%	$8.6M+6.4%	$10.5M+7.6%
Net Income	$47.5M+27.4%	$40.0M+6.5%	$41.1M+30.9%	$42.3M+21.1%	$37.3M+1.4%	$37.5M+27.4%	$31.4M+10.6%	$34.9M+6.0%
EPS (Basic)	$1.95+29.1%	$1.63+7.2%	$1.67+31.5%	$1.71+21.3%	$1.51+1.3%	$1.52+27.7%	$1.27+9.5%	$1.41+6.8%
EPS (Diluted)	$1.95+29.1%	$1.63+7.2%	$1.67+31.5%	$1.71+21.3%	$1.51+1.3%	$1.52+27.7%	$1.27+9.5%	$1.41+6.8%
Diluted Shares (Avg)	24M-1.9%	24M-1.1%	N/A	24M-0.2%	25M+0.2%	25M+0.4%	N/A	25M-0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SRCE Balance Sheet

SRCE quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$9.1B+1.4%	$8.9B+2.3%	$8.7B+4.7%	$8.3B+3.0%	$8.1B+10.7%	$7.3B+10.5%	$6.6B+5.2%	$6.3B+6.9%	$5.9B+7.3%	$5.5B+5.8%	$5.2B+7.4%	$4.8B+2.3%	$4.7B+3.8%	$4.6B+4.0%	$4.4B
Cash & Equivalents	$119.9M-4.0%	$124.8M-3.7%	$129.7M+5.6%	$122.8M-76.6%	$525.2M+116.1%	$243.0M+191.5%	$83.4M-15.9%	$99.1M+27.0%	$78.0M-28.0%	$108.3M+35.9%	$79.7M+20.4%	$66.2M-17.3%	$80.1M-4.6%	$83.9M-26.6%	$114.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$83.9M0.0%	$83.9M0.0%	$83.9M0.0%	$83.9M0.0%	$83.9M0.0%	$83.9M0.0%	$83.9M0.0%	$83.9M+0.2%	$83.7M0.0%	$83.7M0.0%	$83.7M0.0%	$83.7M0.0%	$83.7M0.0%	$83.7M+0.4%	$83.3M
Total Liabilities	$7.7B-0.2%	$7.8B+1.2%	$7.7B+3.3%	$7.4B+4.1%	$7.1B+11.6%	$6.4B+10.6%	$5.8B+4.4%	$5.5B+7.0%	$5.2B+7.4%	$4.8B+5.9%	$4.5B+7.8%	$4.2B+1.9%	$4.1B+3.6%	$4.0B+3.7%	$3.9B
Total Equity	$1.3B+14.8%	$1.1B+12.3%	$989.6M+14.5%	$864.1M-5.7%	$916.3M+3.3%	$886.8M+7.1%	$828.3M+8.7%	$762.1M+6.1%	$718.5M+6.8%	$672.6M+4.4%	$644.1M+4.8%	$614.5M+5.0%	$585.4M+4.8%	$558.7M+6.6%	$523.9M
Retained Earnings	$1.0B+13.9%	$890.9M+12.8%	$789.8M+13.7%	$694.9M+15.1%	$603.8M+17.4%	$514.2M+11.0%	$463.3M+16.1%	$399.0M+17.4%	$340.0M+16.9%	$290.8M+15.5%	$251.8M-16.7%	$302.2M+15.5%	$261.6M+16.9%	$223.7M+17.6%	$190.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$9.3B+1.9%	$9.1B+1.7%	$9.1B+1.4%	$9.1B+3.3%	$9.1B+2.4%	$9.0B+3.4%	$8.9B+2.3%	$8.8B+2.8%
Cash & Equivalents	$127.3M-14.6%	$118.8M-46.7%	$119.9M-4.0%	$214.3M+26.5%	$149.1M-44.6%	$222.8M+175.4%	$124.8M-3.7%	$169.4M+52.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$83.9M0.0%	N/A	N/A	N/A	$83.9M0.0%	N/A
Total Liabilities	$7.9B+1.0%	$7.8B+0.6%	$7.7B-0.2%	$7.8B+2.3%	$7.8B+0.9%	$7.7B+2.1%	$7.8B+1.2%	$7.6B+0.6%
Total Equity	$1.3B+9.3%	$1.3B+10.0%	$1.3B+14.8%	$1.2B+12.0%	$1.2B+14.9%	$1.2B+15.0%	$1.1B+12.3%	$1.1B+19.5%
Retained Earnings	$1.1B+14.2%	$1.0B+13.6%	$1.0B+13.9%	$983.6M+13.3%	$950.4M+12.9%	$921.7M+13.5%	$890.9M+12.8%	$868.1M+12.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

SRCE Cash Flow Statement

SRCE quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$216.4M	$223.1M+15.1%	$193.9M+3.1%	$187.9M+7.1%	$175.5M+5.3%	$166.8M+7.9%	$154.5M-6.1%	$164.6M+3.1%	$159.7M+14.3%	$139.7M+42.5%	$98.1M-2.5%	$100.6M+39.1%	$72.4M-16.9%	$87.0M-6.6%	$93.2M-25.1%	$124.4M
Stock-Based Compensation	N/A	$6.2M+9.6%	$5.7M+15.6%	$4.9M+36.4%	$3.6M-14.9%	$4.2M+28.0%	$3.3M+19.1%	$2.8M-22.2%	$3.6M+19.9%	$3.0M+2.7%	$2.9M-25.0%	$3.8M+20.9%	$3.2M+9.7%	$2.9M	N/A	N/A
Capital Expenditures	$8.2M	$10.1M-18.5%	$12.4M+106.8%	$6.0M+151.3%	$2.4M-17.5%	$2.9M+1.3%	$2.9M-64.5%	$8.0M+162.7%	$3.1M-43.8%	$5.4M-39.1%	$8.9M-5.9%	$9.5M+11.9%	$8.5M+30.4%	$6.5M-31.3%	$9.5M-17.0%	$11.4M
Free Cash Flow	$208.1M	$213.0M+17.4%	$181.5M-0.3%	$182.0M+5.1%	$173.2M+5.7%	$163.9M+8.1%	$151.6M-3.1%	$156.6M0.0%	$156.6M+16.7%	$134.3M+50.6%	$89.1M-2.2%	$91.1M+42.7%	$63.9M-20.7%	$80.5M-3.8%	$83.7M-25.9%	$113.0M
Investing Cash Flow	-$227.7M	-$154.2M+44.2%	-$276.6M+22.8%	-$358.3M+54.4%	-$784.9M-31.1%	-$598.6M-2.7%	-$582.7M-74.5%	-$333.9M+27.1%	-$458.0M+5.5%	-$484.6M	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	-$10.5M	-$73.9M-194.8%	$77.9M-56.0%	$177.2M-14.4%	$207.0M-71.0%	$713.9M+21.4%	$587.8M+282.7%	$153.6M-51.9%	$319.3M+1.5%	$314.7M	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	$40.5M	$38.4M+8.6%	$35.4M+7.0%	$33.1M+3.0%	$32.1M+2.4%	$31.3M+5.3%	$29.8M+2.6%	$29.0M+13.0%	$25.7M+25.7%	$20.4M+5.2%	$19.4M+7.1%	$18.1M+2.7%	$17.6M+3.5%	$17.1M+3.2%	$16.5M+3.8%	$15.9M
Share Buybacks	$33.9M	$13.9M+7692.1%	$178K-98.6%	$12.5M+82.4%	$6.8M-79.4%	$33.1M+416.5%	$6.4M-57.5%	$15.1M+62.7%	$9.3M+22512.2%	$41K-99.5%	$8.0M-19.5%	$10.0M-39.0%	$16.3M+619.0%	$2.3M-38.6%	$3.7M+65.1%	$2.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$50.8M+13.1%	$59.1M-17.6%	$55.4M+65.2%	$51.0M-25.3%	$44.9M-10.3%	$71.8M+71.1%	$33.5M-24.0%	$68.4M+31.1%
Stock-Based Compensation	N/A	$1.6M+11.8%	N/A	N/A	N/A	$1.4M+6.0%	N/A	N/A
Capital Expenditures	$1.4M-20.5%	$1.0M-58.8%	$2.0M-70.1%	$3.8M+126.7%	$1.8M-49.1%	$2.5M+336.9%	$6.5M+94.0%	$1.7M+70.1%
Free Cash Flow	$49.3M+14.6%	$58.1M-16.1%	$53.5M+98.0%	$47.3M-29.1%	$43.0M-7.3%	$69.3M+67.4%	$27.0M-33.8%	$66.7M+30.3%
Investing Cash Flow	-$146.3M+18.5%	-$67.4M-271.6%	-$114.4M+55.3%	$100.5M+188.7%	-$179.6M-463.8%	$39.3M+265.9%	-$255.9M-72.6%	$34.8M+131.6%
Financing Cash Flow	$104.1M+70.6%	$7.2M+155.2%	-$35.4M-119.9%	-$86.4M+57.5%	$61.0M-64.2%	-$13.1M+80.5%	$177.8M+44.9%	-$203.0M-460.8%
Dividends Paid	$10.7M+11.4%	$10.1M+10.7%	$10.1M+10.9%	$9.6M+5.4%	$9.6M+12.0%	$9.1M+6.0%	$9.1M+5.9%	$9.1M+11.4%
Share Buybacks	$0-100.0%	$23.4M+5031.9%	$4.2M+2256.7%	$6.4M	$2.8M	$455K	$178K+17700.0%	$0-100.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

SRCE Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SRCE quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	36.5%+2.2pp	34.3%+0.4pp	33.8%-0.2pp	34.0%-1.2pp	35.2%+10.5pp	24.7%-3.6pp	28.3%+1.8pp	26.5%+2.6pp	23.9%+1.6pp	22.4%-0.7pp	23.0%-1.4pp	24.4%+0.9pp	23.5%+2.2pp	21.3%+0.3pp	21.0%
Return on Equity	12.4%+0.5pp	11.9%-0.7pp	12.6%-1.3pp	14.0%+1.0pp	12.9%+3.7pp	9.2%-1.9pp	11.1%+0.3pp	10.8%+1.3pp	9.5%+0.9pp	8.6%-0.3pp	8.9%-0.5pp	9.4%+0.1pp	9.4%+0.5pp	8.9%-0.3pp	9.2%
Return on Assets	1.8%+0.3pp	1.5%+0.1pp	1.4%0.0pp	1.5%0.0pp	1.5%+0.3pp	1.1%-0.3pp	1.4%+0.1pp	1.3%+0.2pp	1.2%+0.1pp	1.1%-0.1pp	1.1%-0.1pp	1.2%0.0pp	1.2%+0.1pp	1.1%0.0pp	1.1%
Debt-to-Equity	6.07-0.9x	6.98-0.8x	7.74-0.8x	8.58+0.8x	7.78+0.6x	7.20+0.2x	6.97-0.3x	7.26+0.1x	7.190.0x	7.16+0.1x	7.06+0.2x	6.86-0.2x	7.07-0.1x	7.15-0.2x	7.35
Asset Turnover	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	49.1%+2.2pp	46.9%-2.4pp	49.3%+0.5pp	48.8%+0.1pp	48.7%+2.7pp	46.0%-2.2pp	48.2%-2.2pp	50.4%+3.2pp	47.2%+12.8pp	34.5%-2.0pp	36.5%+9.7pp	26.8%-7.6pp	34.4%-1.5pp	35.9%-13.4pp	49.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	40.2%+5.8pp	35.3%-0.8pp	37.1%+5.0pp	38.2%+2.6pp	34.5%-3.4pp	36.1%+4.8pp	32.1%+1.0pp	35.6%+0.5pp
Return on Equity	3.6%+0.5pp	3.1%-0.1pp	3.2%+0.4pp	3.4%+0.3pp	3.1%-0.4pp	3.2%+0.3pp	2.8%0.0pp	3.2%-0.4pp
Return on Assets	0.5%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.5%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.4%0.0pp	0.4%0.0pp
Debt-to-Equity	6.04-0.5x	6.10-0.6x	6.07-0.9x	6.28-0.6x	6.53-0.9x	6.67-0.8x	6.98-0.8x	6.87-1.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	41.7%+2.0pp	51.4%-15.2pp	48.2%+20.6pp	42.7%-25.4pp	39.8%-8.0pp	66.6%+22.6pp	27.6%-17.0pp	68.1%+13.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
1st Source Corp SRCE	FY2025	$433.8M	$158.3M	36.5%	$2.0B	74/100
S&T Bancorp Inc STBA	FY2025	$402.1M	$134.2M	33.4%	$1.7B	58/100
German American Bancorp, Inc. GABC	FY2025	$487.4M	$112.6M	23.1%	$1.8B	69/100
First Commonwealth Financial Corporation FCF	FY2025	$522.9M	$152.3M	29.1%	$2.0B	63/100
Lakeland Financial Corp LKFN	FY2025	$269.0M	$103.4M	38.4%	$1.4B	59/100
Stellar Bancorp, Inc. STEL	FY2025	$423.4M	$102.9M	24.3%	$2.0B	20/100

Where 1st Source Corp Ranks

Frequently Asked Questions

What is 1st Source Corp's annual revenue?

1st Source Corp (SRCE) reported $433.8M in total revenue for fiscal year 2025. This represents a 12.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is 1st Source Corp's revenue growing?

1st Source Corp (SRCE) revenue grew by 12.1% year-over-year, from $387.1M to $433.8M in fiscal year 2025.

Is 1st Source Corp profitable?

Yes, 1st Source Corp (SRCE) reported a net income of $158.3M in fiscal year 2025, with a net profit margin of 36.5%.

What is 1st Source Corp's net profit margin?

1st Source Corp (SRCE) had a net profit margin of 36.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does 1st Source Corp pay dividends?

Yes, 1st Source Corp (SRCE) paid $1.52 per share in dividends during fiscal year 2025.

What is 1st Source Corp's return on equity (ROE)?

1st Source Corp (SRCE) has a return on equity of 12.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is 1st Source Corp's free cash flow?

1st Source Corp (SRCE) generated $213.0M in free cash flow during fiscal year 2025. This represents a 17.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is 1st Source Corp's operating cash flow?

1st Source Corp (SRCE) generated $223.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are 1st Source Corp's total assets?

1st Source Corp (SRCE) had $9.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are 1st Source Corp's capital expenditures?

1st Source Corp (SRCE) invested $10.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does 1st Source Corp buy back shares?

Yes, 1st Source Corp (SRCE) spent $13.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does 1st Source Corp have outstanding?

1st Source Corp (SRCE) had 24M shares outstanding as of fiscal year 2025.

What is 1st Source Corp's debt-to-equity ratio?

1st Source Corp (SRCE) had a debt-to-equity ratio of 6.07 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is 1st Source Corp's return on assets (ROA)?

1st Source Corp (SRCE) had a return on assets of 1.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is 1st Source Corp's P/E ratio?

1st Source Corp (SRCE) trades at 11.8x earnings, its market capitalization divided by net income of $170.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.0B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is 1st Source Corp's price-to-sales ratio?

1st Source Corp (SRCE) trades at 4.5x sales, its market capitalization divided by revenue of $452.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.0B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is 1st Source Corp's Piotroski F-Score?

1st Source Corp (SRCE) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are 1st Source Corp's earnings high quality?

1st Source Corp (SRCE) has an earnings quality ratio of 1.41x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is 1st Source Corp?

1st Source Corp (SRCE) scores 74 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.