1ST SOURCE CORP (SRCE)
Financials · Regional Banks · NASDAQ
A regional bank holding company recognized for its niche expertise in specialized equipment financing, including aircraft and heavy-duty truck lending.
What 1ST SOURCE CORP does
1st Source Corporation is a bank holding company that provides a broad range of financial products and services through its primary subsidiary, 1st Source Bank. The company specializes in commercial and consumer banking, trust and wealth advisory services, and equipment finance, with a distinctive focus on specialized lending areas such as aircraft, construction equipment, and medium and heavy-duty truck financing.
Themes: specialized lending, equipment finance, wealth management, commercial banking, renewable energy infrastructure
Fundamentals
- Price$85.83 as of 2026-08-21 close
- Market cap$2.1B as of 2026-08-21
- 1-year return+40.4% 2025-08-21 close $61.13 → 2026-08-21 close $85.83
- P/E12.47 as of 2026-08-24
- Net margin+34.2% as of 2026-08-24
- ROE+13.4% as of 2026-08-24
- Debt / equity0.22 as of 2026-08-24
- Revenue growth (YoY)+43.2% as of 2026-08-24
- Beta0.58 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.8%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How SRCE compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
SRCE is in 2 of our published Top 10 lists.
Long-term Top 10 — since 18 Aug 2026Financials Long-term Top 10 — since 18 Aug 2026
Long-term score
75.9 #6 of 987 scored · #5 of 191 in Financials
Growth 96th (revenue growth year over year 43.2%) and financial health 81st (debt to equity 0.2); weakest is long-term trend (63rd, a strong downtrend, with sellers in control).
Short-term score
49.5 #824 of 1,704 scored · #140 of 277 in Financials
Catalysts 58th: open-market insider buys in 90 days 16, analysts' average price target is unchanged from the prior reading; momentum 54th: near the bottom of its 14-day range (oversold); weakest is volume and participation 38th: trading volume is about normal versus its 30-day average.
In this list since 18 Aug 2026 — currently 4th in the list (3 days)
- Entered 18 Aug 2026: first selection for this list at rank 3, score 77.2.
In this list since 18 Aug 2026 — currently 5th in the list (3 days)
- Entered 18 Aug 2026: first selection for this list at rank 2, score 77.2.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, SRCE's dividend was covered by reported results (free-cash-flow payout 18%). This describes past coverage, not a forecast.
- Earnings payoutnot assessable earnings not reported
- Free-cash-flow payout18% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How 1ST SOURCE CORP looks technically
1ST SOURCE CORP (SRCE) is trading 19.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 171 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 14 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 19.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +19.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $83.91 | $83.91 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $72.07 | $72.07 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 23 calendar days ago — the swings before that are what the structure reading is measured on | 23 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 91.355. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 171 trading days ago — a "golden cross", a bullish long-term signal | 171 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with sellers in control | 29.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 46.8 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($85.16 to $91.24) — its "stochastic" reading is 11 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 11.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 11 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $91.36 | $91.36 |
|---|---|---|
| From the 52-week high | it is 6.0% below its 52-week high (its highest price of the past year) | -6.0% |
| Above the 52-week low | it is 50.9% above its 52-week low (its lowest price of the past year) | +50.9% |
| Below the 52-week high | it is 6.0% below its highest point of the past year | 6.0% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $91.36 (set on 2026-07-29) | $91.36 |
| Given back of the 52-week move | over the past year its closes ranged ($57.55 to $90.82), and it has given back roughly a quarter of its rise from last year’s low — 15% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $69.19 to $70.26. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 15.0% |
| From the all-time high | it is 6.0% below its all-time high | -6.0% |
| Nearest price level | it is trading 1.6% above a support level at $84.48 — a price it turned at twice since 2026-06-29, most recently on 2026-07-16. Since 2024-08-21 it has 10 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.6% |
| All-time low | its lowest closing price on record is $1.57 (set on 1983-12-15) | $1.57 |
| Above the all-time low | it is 5369.8% above its all-time low | +5,370% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 42nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.69 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.69 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $85.38 and $91.66 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $85.38 – $88.52 – $91.66 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 8.1 daily ranges above its 200-day average price (19.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 8.1 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.12× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.8% |
|---|---|---|
| Open gap | it gapped 3.2% above the previous close 19 sessions ago and has not traded back through the level it left behind at 83.18 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.2% |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 0.6 percentage points (the stock gained 3.0% while the market gained 2.3%) | +0.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 13.1 percentage points (the stock gained 16.2% while the market gained 3.1%) | +13.1% |
| vs market, 6 months | over the past 6 months this stock beat the market by 10.5 percentage points (the stock gained 21.6% while the market gained 11.1%) | +10.5% |
| vs market, 12 months | over the past 12 months this stock beat the market by 19.9 percentage points (the stock gained 40.4% while the market gained 20.5%) | +19.9% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.3% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.4% of the share price. | +5.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 15% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $74.59 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP. | +15.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-23 (its 10-Q), so the typical buyer over that stretch is under water. That average is $88.29 — a volume-weighted average of daily closes over 21 sessions, not a true tick-by-tick VWAP. | -2.8% |
Price levels it has turned at before
SRCE last closed at $85.83 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $84.48 | Support | 1.6% below the last close | turned there twice · 2026-06-29 to 2026-07-16 |
| $75.60 | Support | 11.9% below the last close | turned there five times · 2026-04-09 to 2026-06-17 |
| $71.48 | Support | 16.7% below the last close | turned there five times · 2026-02-06 to 2026-05-15 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $91.36.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 2 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · beating the market · Least volatile (2% or less typical daily range) · Stretched far above its 200-day average (6+ daily ranges) · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$89.67 range $82.00 – $100.00; median $87.00
Analyst estimates, as of 2026-08-24. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for SRCE
- Consensus EPS estimate$1.83 next reporting period, as of 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk associated with specialized loan portfolios such as aircraft and heavy equipment financing.","Interest rate risk affecting net interest margin and the value of investment securities.","Economic conditions in the primary markets that could impact loan demand and asset quality."]
What changed in the latest 10-Q
AI-assisted comparison of SRCE's 10-Q filed 2026-04-23 against the prior one filed 2025-10-23.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-04-23) adds specific mention of 'c hanges in market conditions' affecting accumulated other comprehensive loss (with apparent typo 'c hanges')
- Newer filing adds detail about 'Repossessions' line item increasing from $267k to $1,319k
- Newer filing adds information about maturity of a '$10.00 million long-term borrowing'
- Newer filing adds reference to '2025 Annual Report' instead of '2024 Annual Report'
- Newer filing adds reference to 'Annual Report on Form 10-K for 2025' in forward-looking statements section
- Removed:
- Older filing (2025-10-23) contains 'Other real estate' line item of $120k as of Sept 30, 2025 and $460k as of Dec 31, 2024 - not present in newer filing
- Older filing discusses 'decreases in accounts receivable (included in All Other Assets)' as a contributor to decline in accrued income and other assets - this explanation is removed in newer filing
- Older filing mentions maturity and payoff of '$100 million in borrowings from the Federal Reserve's Bank Term Funding Program' - not discussed in newer filing
- Older filing references 'stock repurchased' activity is not mentioned in older filing's CAPITAL section, but added in newer filing
- Reworded:
- Date scope changed from 'September 30, 2025, as compared to December 31, 2024' (older) to 'March 31, 2026, as compared to December 31, 2025' (newer)
- Period changed from 'three and nine months ended September 30, 2025, and 2024' (older) to 'three months ended March 31, 2026, and 2025' (newer)
- Total assets increased to '$9.11 billion' (newer, +0.64%) from previous '$9.06 billion' (older, +1.40%)
- Investment securities available-for-sale changed to '$1.53 billion, an increase of $7.11 million' (newer) versus '$1.50 billion, a decrease of $41.18 million' (older)
- Total loans and leases changed to '$7.08 billion, an increase of $36.86 million' (newer) from '$6.96 billion, an increase of $109.65 million' (older)
- Total deposits described as 'relatively flat' (newer) versus 'an increase of $179.78 million or 2.49%' (older)
- Short-term borrowings changed to '$289.18 million, an increase of $50.56 million' (newer) from '$73.57 million, a decrease of $175.62 million' (older)
- Long-term debt changed to '$35.51 million, a decrease of $7.82 million' (newer) from '$42.23 million, an increase of $3.08 million' (older)
- Total shareholders' equity changed to '$1.28 billion, up $2.99 million' (newer) from '$1.24 billion, up $125.40 million' (older)
- Accumulated other comprehensive loss changed to '$40.90 million' (newer) from '$45.86 million' (older)
- Shareholders' equity-to-assets ratio changed to '14.02%' (newer) from '13.65%' (older)
- Book value per common share changed to '$53.10' (newer) from '$50.60' (older)
- Cash dividends per common share changed to '$0.40' (newer) from '$0.38' (older)
- Dividend payout ratio changed to '23.93%' (newer) from '24.63%' (older)
- Partnership investments line item changed from decrease contributor to increase contributor
- Notes:
- The two filings compare different reporting periods (Q1 2026 vs. Q3 2025) and compare to different prior-year baselines (Dec 31, 2025 vs. Dec 31, 2024), making direct financial comparison difficult
- Apparent typo 'c hanges' appears in both filings in the accumulated other comprehensive loss description, suggesting it may be copied language
- The 'Other real estate' line item ($120k) disappearing from the accrued income and other assets table in the newer filing may indicate it was reclassified or zeroed out rather than explicitly removed
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 30 days0 buys · 1 sell ($43945) — 1 selling insider
- Last 90 days0 buys · 1 sell ($43945) — 1 selling insider
- Last 180 days0 buys · 1 sell ($43945) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-10. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SRCE's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding SRCE as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,868,408
- Reported value $198,522,558
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
SRCE had 543,037 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
SRCE had 2.25% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.61 days to cover at the same settlement.
- Reported short interest (shares) 543,037
- Short interest (% of shares outstanding) 2.25%
- Prior settlement (shares) 455,059
- Reported change 19.33%
- Days to cover (reported) 3.61
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Fifth Third Bancorp (FITB)
- Huntington Bancshares (HBAN)
- KeyCorp (KEY)
- Old National Bancorp (ONB)
- Regions Financial (RF)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare SRCE vs…
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Frequently asked questions
What does 1ST SOURCE CORP (SRCE) do?
1st Source Corporation is a bank holding company that provides a broad range of financial products and services through its primary subsidiary, 1st Source Bank. The company specializes in commercial and consumer banking, trust and wealth advisory services, and equipment finance, with a distinctive focus on specialized lending areas such as aircraft, construction equipment, and medium and heavy-duty truck financing.
What sector is 1ST SOURCE CORP (SRCE) in?
1ST SOURCE CORP (SRCE) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does SRCE pay a dividend?
Yes — 1ST SOURCE CORP (SRCE) pays a dividend, with an indicated yield of about 2.81% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are 1ST SOURCE CORP's (SRCE) competitors?
Notable peers of 1ST SOURCE CORP (SRCE) include Fifth Third Bancorp, Huntington Bancshares, KeyCorp, Old National Bancorp and Regions Financial. This peer set is informational only — not financial advice.
Is 1ST SOURCE CORP (SRCE) overbought or oversold right now?
1ST SOURCE CORP (SRCE) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 47, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SRCE come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.