1st Source Corporation (SRCE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
1st Source Corporation stock (SRCE) is currently trading at $68.39. 1st Source Corporation PE ratio is 10.33. 1st Source Corporation PS ratio (Price-to-Sales) is 3.84. Analyst consensus price target for SRCE is $76.33. WallStSmart rates SRCE as Buy.
- SRCE PE ratio analysis and historical PE chart
- SRCE PS ratio (Price-to-Sales) history and trend
- SRCE intrinsic value — DCF, Graham Number, EPV models
- SRCE stock price prediction 2025 2026 2027 2028 2029 2030
- SRCE fair value vs current price
- SRCE insider transactions and insider buying
- Is SRCE undervalued or overvalued?
- 1st Source Corporation financial analysis — revenue, earnings, cash flow
- SRCE Piotroski F-Score and Altman Z-Score
- SRCE analyst price target and Smart Rating
1st Source Corporation
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SRCE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · 1st Source Corporation (SRCE)
SRCE trades at a significant discount to its Graham intrinsic value of $299.99, offering a 77% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
1st Source Corporation (SRCE) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
1st Source Corporation (SRCE) Key Strengths (6)
Keeps $50 of every $100 in revenue after operating costs
Earnings per share surging 31.50% year-over-year
Keeps $38 of every $100 in revenue as net profit
75.26% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.26x book value, attractively priced
Supporting Valuation Data
1st Source Corporation (SRCE) Areas to Watch (4)
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.84x sales
Solid revenue growth at 16.80% per year
1st Source Corporation (SRCE) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.3/10) while 4 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including PEG Ratio (1.37), Price/Book (1.26) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.00%, Profit Margin at 37.60%. Growth metrics are encouraging with EPS Growth at 31.50%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.84) suggest expensive pricing. Growth concerns include Revenue Growth at 16.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.70%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 16.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is Market Cap, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SRCE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SRCE's Price-to-Sales ratio of 3.84x sits near its historical average of 3.9x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 3.95x set in Mar 2026, and 0% above its historical low of 3.84x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for 1st Source Corporation (SRCE) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
1st Source Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 421M with 17% growth year-over-year. Profit margins are strong at 37.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1270.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 37.6% and operating margin of 50.0% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 233.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 341M is significantly higher than cash (69M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact 1st Source Corporation.
Bottom Line
1st Source Corporation offers an attractive blend of growth (17% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About 1st Source Corporation(SRCE)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
1st Source Corporation is the holding company of 1st Source Bank providing commercial and consumer banking services, trust and wealth advisory services, and insurance to individual and commercial clients. The company is headquartered in South Bend, Indiana.