profit from every $100 of sales.
$0$100
1st Source
$88.29+1.55% today
+45.3% in 1 year
1-year low $59.681-year high $90.82
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.44 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What 1st Source sold, what it kept, and what it did with the cash.
Sales went from $355 million in 2022 to $434 million in 2025, with $158 million of profit last year.
SalesProfit
1st Source handed back 25% of the cash it generated last year.
$38M
Free cash flow 2025$213M
Bought back its own shares$14M
Paid as dividends$38M
Cash vs. debt$69M vs. $200M
1st Source vs. similar companies
1st Source grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| 1st Source | 13.4× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads 1st Source's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 355 | 369 | 387 | 434 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 121 | 125 | 133 | 158 | |
| 4.84 | 5.03 | 5.36 | 6.41 | |
| – | – | – | – | |
| – | – | – | – | |
| 34.0% | 33.8% | 34.3% | 36.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 8,339 | 8,728 | 8,932 | 9,055 |
| Cash | 85 | 77 | 77 | 69 |
| Total debt | 162 | 342 | 253 | 200 |
| Total liabilities | 7,416 | 7,660 | 7,750 | 7,737 |
| 864 | 990 | 1,111 | 1,275 | |
| 25 | 25 | 24 | 24 | |
| – | – | – | – | |
| 13.9% | 12.6% | 11.9% | 12.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 176 | 188 | 194 | 223 | |
| 2 | 6 | 12 | 10 | |
| 173 | 182 | 181 | 213 | |
| Dividends paid | 32 | 33 | 35 | 38 |
| 7 | 12 | 0 | 14 | |
| 4 | 5 | 6 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.4×
- 13.0×
- 1.37
- 1.4×
- 4.9×
- 7.4%
- 2.2%
Profitability
- 36.5%
- 8.6%
- 9.6%
- 12.9%
- 1.8%
Growth
- +6.9%
- +9.8%
- +6.1%
- −0.7%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 28%of 843
Top 24%of 730
Top 47%of 866
Bottom 45%of 862
Top 25%of 921
What analysts expect
- Average price target
- $81.00
- Range
- $74.00 – $88.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 1.63 | 1.64 | −0.6% |
| Jan 22, 2026 | 1.67 | 1.62 | +3.1% |
| Oct 23, 2025 | 1.71 | 1.60 | +6.9% |
| Jul 24, 2025 | 1.51 | 1.49 | +1.3% |
| Apr 24, 2025 | 1.52 | 1.36 | +11.8% |
| Jan 23, 2025 | 1.40 | 1.33 | +5.3% |
| Oct 24, 2024 | 1.41 | 1.34 | +5.2% |
| Jul 25, 2024 | 1.49 | 1.22 | +22.1% |
2.2%of the share price, paid each year
On $1,000 invested$22a year at today's yield, before tax
+6.1%2020 to 2025
Raised9 yearsin a row, in our data
Paid per share, each year
$0.72 in 2015 → $1.52 in 2025
How safe it looks
24.3% of its profit
Room to growStretchedMore than it earns: 18.0%
News
An overlooked energy source could solve AI’s power crunch — and these 2 stocks are prime playsMarketWatch · Nov 3, 2026The real source of tech market volatility is cash flow, not credit default swapsYahoo Finance · Oct 27, 2026There's a New Source of Inflation, and It's Put Fed Chair Kevin Warsh and the FOMC Between a Rock and a Hard PlaceYahoo Finance · Oct 27, 2026Not Starlink. Not Starship. Not Grok. $561 Million of SpaceX's $4.4 Billion Profit Came From an Unexpected Source.Yahoo Finance · Oct 23, 20261st Source GAAP EPS of $2.03 beats by $0.20, revenue of $120.2M beats by $2.09MSeeking Alpha · Oct 22, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
69Pass
Benjamin Graham
68Pass
Philip Fisher
74Pass
Peter Lynch
56No pass
Joel Greenblatt
22No pass
Charlie Munger
61Pass
Terry Smith
58No pass
Questions about 1st Source
Is 1st Source a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the 1st Source AI analysis
What does 1st Source do?
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. It is in Banks - Regional.
Does 1st Source pay a dividend?
Yes. At today's price the dividend is 2.2% a year, about 24% of its yearly profit. In 2025 it paid out $38.4 million in dividends.
Is 1st Source stock halal?
No. 1st Source does not pass our halal screen: its main business, banking, is not permitted. How we check
How has 1st Source stock done over the past year?
Up 45.3% over the past twelve months, to $88.29. It traded between $59.68 and $90.82 and is 2.8% below its high.
Who are 1st Source's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with 1st Source's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.