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1st Source CorporationNasdaqGS:SRCE 株式レポート

時価総額 US$2.1b
1日前に更新
株価
n/a
1Y37.6%
7D-0.08%
1D0.5%
ポートフォリオ価値
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1st Source Corporation

NasdaqGS:SRCE 株式レポート

時価総額:US$2.1b

  • 会社概要
  • 評価
  • 将来の成長
  • 過去の実績
  • 財務の健全性
  • 配当金
  • マネジメント
  • 所有権
  • その他の情報
  • 株式コミュニティ

1st Source(SRCE)株式概要

1stソース・コーポレーションは1stソース・バンクの銀行持株会社として運営されており、米国内の個人・法人顧客に商業・消費者銀行業務、信託・資産アドバイザリー業務、保険商品を提供している。 詳細

SRCE ファンダメンタル分析
スノーフレーク・スコア
評価3/6
将来の成長0/6
過去の実績4/6
財務の健全性6/6
配当金4/6

報酬

当社が推定した公正価値より31.5%で取引されている

過去5年間の収益は年間7.5%増加しました。

1.97%の安定した配当金を支払う

リスク分析

リスクチェックの結果、SRCE 、リスクは検出されなかった。

SRCE Community Fair Values

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US$
Current Price
US$87.16適正評価 内在価値ディスカウント
%/yr
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PastFuture0574m2016201920222025202620282031Revenue US$574.3mEarnings US$219.7m
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1st Source Corporation 競合他社

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価格と性能

株価の高値、安値、推移の概要1st Source
過去の株価
現在の株価US$87.16
52週高値US$91.46
52週安値US$56.89
ベータ0.55
1ヶ月の変化-1.53%
3ヶ月変化11.00%
1年変化37.61%
3年間の変化100.69%
5年間の変化92.58%
IPOからの変化7,982.94%

最新ニュース

Seeking Alpha • Aug 14

1st Source Corporation: Strong Asset Quality Makes The Grade

Summary 1st Source Corporation earns a soft ‘buy’ rating due to robust growth, strong asset quality, and margin expansion. SRCE’s diversified lending, including specialty finance and renewable energy, supports above-peer returns on assets and equity. Net interest margin improved to 4.24%, driving net profits from $124.9M in 2023 to $158.3M last year. Valuation is above preferred levels, and non-performing assets at 1.01% warrant monitoring, but overall growth and quality justify the rating. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Aug 14

1st Source Corporation: Strong Asset Quality Makes The Grade

Summary 1st Source Corporation earns a soft ‘buy’ rating due to robust growth, strong asset quality, and margin expansion. SRCE’s diversified lending, including specialty finance and renewable energy, supports above-peer returns on assets and equity. Net interest margin improved to 4.24%, driving net profits from $124.9M in 2023 to $158.3M last year. Valuation is above preferred levels, and non-performing assets at 1.01% warrant monitoring, but overall growth and quality justify the rating. Read the full article on Seeking Alpha
分析記事 • Jun 20

1st Source (SRCE) Stock Could Be 38% Below Fair Value As Dividend And Growth Support Sentiment

Recent commentary around 1st Source (SRCE) has focused on its dividend track record, expectations for earnings growth this fiscal year, and rising institutional ownership. These factors are shaping how investors view the stock. See our latest analysis for 1st Source. The recent move in 1st Source’s share price to US$76.91 comes after a year where the share price return has picked up, with shorter term gains building on strong multi year total shareholder returns. If you are comparing 1st...
分析記事 • Oct 29

1st Source's (NASDAQ:SRCE) Dividend Will Be Increased To $0.40

1st Source Corporation's ( NASDAQ:SRCE ) dividend will be increasing from last year's payment of the same period to...
分析記事 • May 01

1st Source's (NASDAQ:SRCE) Shareholders Will Receive A Bigger Dividend Than Last Year

The board of 1st Source Corporation ( NASDAQ:SRCE ) has announced that it will be paying its dividend of $0.38 on the...
分析記事 • Apr 18

Here's Why 1st Source Corporation's (NASDAQ:SRCE) CEO Might See A Pay Rise Soon

Key Insights 1st Source will host its Annual General Meeting on 24th of April Salary of US$836.5k is part of CEO Chris...
Seeking Alpha • Mar 06

1st Source Corporation: Tariff Resumption Could Hurt Specialty Finance Division; Maintaining Hold Rating

Summary Tariffs on automobiles have been paused for one month. Nevertheless, the chance of resumption creates a high risk for SRCE's Specialty Finance division. The net interest margin appears to be almost neutral to interest rate changes, which is a good quality to have in the currently uncertain interest rate environment. I’m expecting an EPS of $5.53 for 2025, which is slightly below my previous estimate of $5.56. SRCE has an expected price upside of 2.8% and a dividend yield of 2.3%. Hence, I’m maintaining a hold rating. Read the full article on Seeking Alpha
Seeking Alpha • Nov 19

1st Source: Loan Growth To Boost Earnings, But Stock Appears Fairly Valued

Summary The third quarter’s disappointing loan book decline will most probably turn out to be a blip because the operating environment continues to be satisfactory. Rate cuts will likely pressure the margin because the average loan yield is quite rate-sensitive. The December 2025 target price suggests a mid-single-digit price upside only. The dividend yield is 2.2% at a payout ratio of 26%. Read the full article on Seeking Alpha
Seeking Alpha • Sep 04

1st Source: Positive Earnings Outlook Appears Priced In

Summary Economic indicators suggest that loan growth will likely remain below the historical average. Nevertheless, I’m expecting it to be high enough to drive earnings. Interest rate cuts will affect the loan growth and net interest margin in several ways. I’m expecting the overall effect to be slightly negative on the margin. The year-end target price suggests a small downside from the current market price. Further, SRCE is offering a low dividend yield of 2.3%. Read the full article on Seeking Alpha
分析記事 • Dec 05

Does 1st Source (NASDAQ:SRCE) Deserve A Spot On Your Watchlist?

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
分析記事 • Oct 24

1st Source (NASDAQ:SRCE) Has Announced That It Will Be Increasing Its Dividend To $0.34

1st Source Corporation ( NASDAQ:SRCE ) will increase its dividend on the 15th of November to $0.34, which is 6.3...
分析記事 • Jul 25

1st Source (NASDAQ:SRCE) Is Due To Pay A Dividend Of $0.32

1st Source Corporation ( NASDAQ:SRCE ) will pay a dividend of $0.32 on the 11th of August. This payment means that the...
分析記事 • Apr 27

With EPS Growth And More, 1st Source (NASDAQ:SRCE) Makes An Interesting Case

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Seeking Alpha • Oct 20

1st Source GAAP EPS of $1.32 beats by $0.16, revenue of $91.12M beats by $2.8M

1st Source press release (NASDAQ:SRCE): Q3 GAAP EPS of $1.32 beats by $0.16. Revenue of $91.12M (+3.9% Y/Y) beats by $2.8M.
分析記事 • Oct 14

If EPS Growth Is Important To You, 1st Source (NASDAQ:SRCE) Presents An Opportunity

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Seeking Alpha • Aug 24

1st Source Corp.: Moderate Topline Growth To Partially Counter Provision Normalization

Loan growth will likely remain at a moderate level through the end of 2023. Neither the loan portfolio nor the deposit book is highly rate-sensitive. Therefore, the margin will expand only moderately as interest rates surge. Despite headwinds, provisioning will remain at a normal level through the end of 2023 thanks to the high loan loss reserves. The December 2022 target price suggests a moderately high upside from the current market price. Further, SRCE is offering a decent dividend yield. Earnings of 1st Source Corp. (SRCE) will likely dip this year mostly on the back of provision normalization. On the other hand, moderate loan growth will likely support the bottom line. Further, some margin expansion will support earnings. Overall, I'm expecting 1st Source Corporation to report earnings of $4.58 per share for 2022, down 3% year-over-year. Compared to my last report on the company, I've revised upwards my earnings estimate as I've increased both my loan and margin estimates following the second quarter’s extraordinary performance. For 2023, I'm expecting 1st Source to report earnings of $4.68 per share, up 2% year-over-year. The year-end target price suggests a moderately high upside from the current market price. Based on the total expected return, I'm maintaining a buy rating on 1st Source Corporation. Loan Growth Deceleration Likely 1st Source Corporation's loan book grew by a strong 2.9% in the second quarter of 2022, or 11.7% annualized, which beat my expectations. Given the company's historical trend, the second quarter’s growth was extraordinarily high. Half of 1st Source Corporation’s loans belong to the specialty finance segment (aircraft, trucks, construction equipment) while the other half belongs to the community banking segment (mostly small business loans). Therefore, the purchasing managers' index is a good gauge of product demand. Although it has been on a downtrend so far this year, it is still indicating expansion in manufacturing and services segments. US ISM Services PMI data by YCharts The unemployment rate is another appropriate indicator for credit demand. The company mostly operates in northern Indiana and southwest Michigan. While Indiana has a hot labor market with a very low unemployment rate, Michigan's unemployment rate is trailing the national average. Nevertheless, both states have unemployment rates that are near record lows from a historical perspective. However, some of 1st Source Corporation's business sub-segments, especially renewable energy financing, are nationwide. Therefore, the U.S. unemployment rate is also an important metric to determine future credit demand. US Unemployment Rate data by YCharts Considering the mixed economic review, I'm expecting loan growth to decline from the second quarter’s level and remain slightly below the historical mean through the end of 2023. I'm expecting the loan book to grow by 1% every quarter (4% annualized) till the end of next year. Compared to my last report on the company, I've maintained my loan growth estimate for the second half of 2022 and full-year 2023. However, as loan growth surpassed my expectation in the second quarter of 2022, I've revised upward the full-year estimate for this year. Meanwhile, I'm expecting other balance sheet items to grow mostly in line with loans. However, I'm expecting the equity book value to dip this year despite my expectations of positive retained earnings as discussed below. I'm expecting equity book value to dip because the rise in interest rates will build up unrealized losses on the available-for-sale debt securities portfolio. These losses will bypass the income statement and flow directly to the equity account through other comprehensive income. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E FY23E Financial Position Net Loans 4,735 4,974 5,349 5,219 5,527 5,752 Growth of Net Loans 6.8% 5.1% 7.5% (2.4)% 5.9% 4.1% Other Earning Assets 1,034 1,105 1,394 2,374 2,073 2,157 Deposits 5,122 5,357 5,946 6,679 6,880 7,160 Borrowings and Sub-Debt 329 276 291 330 281 292 Common equity 762 828 887 916 897 980 Book Value Per Share ($) 29.4 32.4 34.7 37.0 36.3 39.7 Tangible BVPS ($) 26.1 29.1 31.5 33.6 32.9 36.3 Source: SEC Filings, Author's Estimates (In USD million unless otherwise specified) Combination of Loan and Deposit Mixes Leads to Low Asset Sensitivity Around 63% of the loan portfolio is based on fixed rates, while 37% of the portfolio is based on variable rates, as mentioned in the earnings presentation. Therefore, the average earning-asset yield is not very responsive to interest rate hikes. Meanwhile, the liability side is somewhat mixed in its response to interest rate changes. Savings and interest-bearing demand accounts face the biggest and most urgent repricing pressure in a rising rate environment compared to other types of deposits. These deposits made up 57% of total deposits at the end of June 2022, which is not too high but high enough to have a material impact on average deposit cost as rates rise. The results of the management’s interest-rate sensitivity analysis given in the presentation showed that a 100-basis points hike in interest rates can boost the net interest income by only 2.92% over twelve months. Considering these factors, I'm expecting the margin to grow by 15 basis points in the second half of 2022 before stabilizing in 2023. Compared to my last report, I've revised upwards my margin estimate because of the second quarter’s performance as well as the greater-than-expected Fed Funds rate hike so far this year. Contradictory Factors to Keep Provisioning Near the Historical Mean Loan additions, high interest rates, inflation, and the possibility of a recession will likely keep provisioning elevated for the next few quarters. On the other hand, high reserves for loan losses will keep further provisioning subdued. Allowances were 2.4% of loans and leases, while nonperforming assets were just 0.6% of loans and leases at the end of June 2022. As a result, I'm expecting provisioning to revert to the historical average in the second half of 2022 and full-year 2023. However, due to the below-normal provisioning reported in the first half of this year, the full-year provisioning for 2022 would be below the historical mean. Overall, I'm expecting the net provision expense to make up 0.30% of total loans (annualized) in every quarter till the end of 2023, which is the same as the average for the last five years. Expecting Earnings to Dip by 3% Provisioning normalization will likely be the chief contributor to an earnings decline this year. Further, non-interest income will be lower this year as higher interest rates will curtail income from mortgage refinancing. On the other hand, moderate loan growth and significant margin expansion will likely support the bottom line. Overall, I'm expecting 1st Source Corporation to report earnings of around $4.58 per share for 2022, down 3% year-over-year. For 2023, I'm expecting the company to report earnings of $4.68 per share, up 2% year-over-year. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 214 224 226 237 257 276 Provision for loan losses 19 16 36 (4) 13 17 Non-interest income 97 101 104 100 92 93 Non-interest expense 186 189 187 186 188 201 Net income - Common Sh. 82 92 81 118 113 116 EPS - Diluted ($) 3.16 3.57 3.17 4.70 4.58 4.68 Source: SEC Filings, Author's Estimates (In USD million unless otherwise specified) In my last report on 1st Source Corporation, I projected earnings of $4.19 per share for 2022. I've revised upwards my earnings estimate because I've tweaked upwards both my loan and margin estimates following the second quarter’s performance.
分析記事 • Jul 26

1st Source's (NASDAQ:SRCE) Shareholders Will Receive A Bigger Dividend Than Last Year

The board of 1st Source Corporation ( NASDAQ:SRCE ) has announced that it will be increasing its dividend by 3.2% on...
Seeking Alpha • Jun 09

1st Source Corp.: Earnings To Dip Despite Favorable Economic Factors

The loan growth rate will likely improve in the remainder of this year due to Indiana and Michigan’s economic factors. The loan and deposit mixes make the top line moderately sensitive to rate changes. Provision reversals are likely to decline from last year's unsustainable level. The provisioning for new loans will remain below normal. The December 2022 target price suggests a small upside from the current market price. Further, SRCE is offering a decent dividend yield.
分析記事 • Jun 07

Here's Why I Think 1st Source (NASDAQ:SRCE) Might Deserve Your Attention Today

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...

株主還元

SRCEUS BanksUS 市場
7D-0.08%-0.7%-1.0%
1Y37.6%17.9%14.1%

業界別リターン: SRCE過去 1 年間で17.9 % の収益を上げたUS Banks業界を上回りました。

リターン対市場: SRCE過去 1 年間で14.1 % の収益を上げたUS市場を上回りました。

価格変動

Is SRCE's price volatile compared to industry and market?
SRCE volatility
SRCE Average Weekly Movement2.7%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

安定した株価: SRCE 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。

時間の経過による変動: SRCEの 週次ボラティリティ ( 3% ) は過去 1 年間安定しています。

会社概要

設立従業員CEO(最高経営責任者ウェブサイト
18631,190Andrea Shortwww.1stsource.com

1stソース・コーポレーションは1stソース・バンクの銀行持株会社として、米国の個人および法人顧客に商業および消費者向けバンキング・サービス、信託および資産アドバイザリー・サービス、保険商品を提供している。同社の消費者向けバンキング・サービスには、当座預金、普通預金、譲渡性預金、健康貯蓄口座、個人退職金口座、オンライン・バンキング、モバイル・バンキング、消費者ローン、不動産担保ローン、ホーム・エクイティ・ローン、ファイナンシャル・プランニング、ファイナンシャル・リテラシー、その他のコンサルティング・サービス、デビットカード、クレジットカードなどがある。また、産業用・商業用不動産、設備、棚卸資産、売掛金、買収、一般企業目的の資金調達のための商業用、中小企業用、農業用、不動産用ローン、商業用リース、財務管理、決済サービス、Fedwires、ACH、マーチャントサービス、退職金計画サービス、コミュニティ・ソーラー、商業・産業用、小規模公共事業、大学、自治体プロジェクト向けの建設・恒久ローン、タックスエクイティ投資も提供している。さらに、個人、不動産、信託、法人、非営利団体、従業員福利厚生制度、慈善財団の顧客向けに、信託、投資、代理、保管サービスを提供している。さらに、建設機械、航空機、自動車、小型トラック、中型・大型トラック向けの設備ローン・リース商品、建設機械、新造・中古の自家用・貨物用航空機、フリート目的の各種車両向けの融資サービスを提供している。さらに、個人および企業向けに損害保険、団体医療保険、生命保険商品およびサービスを提供し、売却可能投資有価証券を所有、管理している。1st Source Corporationは1863年に設立され、インディアナ州サウスベンドに本社を置く。

1st Source Corporation 基礎のまとめ

1st Source の収益と売上を時価総額と比較するとどうか。
SRCE 基礎統計学
時価総額US$2.09b
収益(TTM)US$169.25m
売上高(TTM)US$442.37m
12.4x
PER(株価収益率
1.6x
PBR(株価純資産倍率

SRCE は割高か?

公正価値と評価分析を参照

収益と収入

最新の決算報告書(TTM)に基づく主な収益性統計
SRCE 損益計算書(TTM)
収益US$442.37m
売上原価US$0
売上総利益US$442.37m
その他の費用US$273.12m
収益US$169.25m

直近の収益報告

Jun 30, 2026

次回決算日

Oct 22, 2026

一株当たり利益(EPS)7.03
グロス・マージン100.00%
純利益率38.26%
有利子負債/自己資本比率22.6%

SRCE の長期的なパフォーマンスは?

過去の実績と比較を見る

配当金

2.0%
現在の配当利回り
11%
配当性向

企業分析と財務データの現状

データ最終更新日(UTC時間)
企業分析2026/09/11 17:59
終値2026/09/11 00:00
収益2026/06/30
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
  • SECフォーム10-K
  • SECフォーム10-Q
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
  • アナリストリサーチレポート
  • Blue Matrix
市場価格30年
  • 株価
  • 配当、分割、措置
  • ICEマーケットデータ
  • SECフォームS-1
所有権10年
  • トップ株主
  • インサイダー取引
  • SECフォーム4
  • SECフォーム13D
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
  • SECフォーム10-K
  • SECフォームDEF 14A
主な進展10年
  • 会社からのお知らせ
  • SECフォーム8-K

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM(Trailing Twelve Month)またはLTM(Last Twelve Month)データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

このレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。

シンプリー・ウォールストリート分析モデルを設計・構築した ご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

1st Source Corporation 3 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。4

アナリスト機関
null nullD.A. Davidson & Co.
Peter WinterD.A. Davidson & Co.
Damon DelMonteKeefe, Bruyette, & Woods

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Financial Data provided by S&P Global Market Intelligence LLC, analysis provided by Simply Wall Street Pty Ltd. Copyright © 2026, S&P Global Market Intelligence LLC. All rights reserved.
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