NASDAQ
SRCE
Last Price
US $81.50
KEY FIGURES
MKT CAP
$2.0B
EPS
TTM
$6.62
PEG
TTM
0.81x
P/E
TTM
12.31x
P/S
TTM
3.28x
YIELD
1.98%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
12.89%
Return on equity
ROIC: 8.55%
Valuation History
12.4X
Price to Earnings
EV/EBITDA: 10.5X
Cash flow
Profit margin
10.34%
(FY vs FY)
EBITDA Y/Y
9.27%
(FY vs FY)
Cash flow Y/Y
7.03%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $81.50
54.66%
Default assumptions
EBITDA Multiple
Fair Value
Market $81.50
-38.39%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
1st Source Corporation cash flow to debt ratio of 65.48% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
1st Source Corporation's free cash flow has increased 17.38% from $181.49M last year to $213.03M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
1st Source Corporation's debt to equity ratio is 0.30, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
1st Source Corporation's debt has increased relative to shareholder equity from 0.29 last year to 0.30 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
1st Source Corporation has a net debt to EBITDA ratio of 1.27x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
1st Source Corporation earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
1st Source Corporation's profit margin has increased (14.67%) in the last year from 23.25% to 26.66%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
1st Source Corporation's short-term assets of $1.59G exceed its short-term liabilities of $126.15M
Decreasing performance - ROA.
1st Source Corporation's return on assets of 1.76% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
1st Source Corporation's return on equity of 12.89%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
1st Source Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
1st Source Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
1st Source Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
1st Source Corporation has a free cash flow yield of 10.86%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
1st Source Corporation's yearly earnings has increased 19.34% since last year from $132.62M to $158.27M, signaling increasing performance
Increasing performance - Healthy revenue growth.
1st Source Corporation's yearly revenue has increased 5.20% since last year from $570.32M to $600.00M, signaling increasing performance
Increasing performance - ROIC.
ROIC 8.55% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
1st Source Corporation's 3-year revenue CAGR of 15.93% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
1st Source Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
1st Source Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
1st Source Corporation is undervalued relative to its fair value price of 126.05 based on Discounted Cash Flow model
Undervalued - Earnings yield.
1st Source Corporation has an earnings yield of 8.12%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
1st Source Corporation is overvalued relative to its fair value price of 50.21 based on EBITDA multiple model
Undervalued - EV/EBITDA.
1st Source Corporation has an EV/EBITDA ratio of 10.43x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
1st Source Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
1st Source Corporation has a price-to-book ratio of 1.50x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
1st Source Corporation has a price-to-sales ratio of 3.28x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue