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1st Source (SRCE) Financials

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$61.51 +1.38 (+2.30%)
Closing price 04:00 PM Eastern
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$61.52 +0.01 (+0.02%)
As of 05:48 PM Eastern
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Annual Income Statements for 1st Source

Annual Income Statements for 1st Source

This table shows 1st Source's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 133 125 121 119 81 92 82 68 58 57 58
Consolidated Net Income / (Loss)		 133 125 121 119 81 92 82 68 58 57 58
Net Income / (Loss) Continuing Operations		 133 125 121 119 81 92 82 68 58 57 58
Total Pre-Tax Income 		171 162 157 155 106 120 105 101 89 89 84
Total Revenue		 387 369 355 337 330 325 311 284 259 250 238
Net Interest Income / (Expense)		 301 279 263 237 226 224 214 186 170 167 160
Total Interest Income		 484 417 294 255 263 283 257 212 192 185 179
Loans and Leases Interest Income		 451 387 264 235 243 258 234 195 176 169 161
Investment Securities Interest Income		 27 26 27 18 19 22 21 16 15 15 16
Other Interest Income		 5.93 3.66 2.58 1.37 1.28 2.23 1.65 1.39 1.24 1.00 1.02
Total Interest Expense		 183 138 30 18 37 59 43 27 22 18 18
Deposits Interest Expense		 167 123 25 12 30 50 35 19 15 11 11
Short-Term Borrowings Interest Expense		 8.98 7.03 1.50 0.12 0.52 1.93 2.84 1.12 0.53 0.48 0.54
Long-Term Debt Interest Expense		 3.17 3.89 0.07 2.48 2.87 2.91 2.32 2.44 2.09 1.97 2.11
Federal Funds Purchased and Securities Sold Interest Expense		 4.22 4.17 3.55 3.27 3.37 3.68 3.63 4.00 4.22 4.22 4.22
Total Non-Interest Income		 86 91 91 100 104 101 97 99 89 83 78
Service Charges on Deposit Accounts		 57 54 53 52 46 46 45 - 40 - -
Other Service Charges		 23 27 22 20 19 20 17 16 17 37 36
Net Realized & Unrealized Capital Gains on Investments		 -3.89 -2.93 -0.18 -0.68 0.28 0.00 -0.35 4.34 1.80 0.00 0.96
Other Non-Interest Income		 9.38 12 16 28 39 35 36 79 30 27 23
Provision for Credit Losses		 12 5.87 13 -4.30 36 16 19 8.98 5.83 2.16 3.73
Total Non-Interest Expense		 204 202 185 186 187 189 186 174 164 159 150
Salaries and Employee Benefits		 122 116 105 106 102 97 94 87 87 86 80
Net Occupancy & Equipment Expense		 45 42 39 36 36 35 33 31 29 28 27
Marketing Expense		 6.88 7.16 5.82 8.01 4.16 6.30 6.11 7.48 4.94 4.84 6.05
Property & Liability Insurance Claims		 6.14 5.93 3.63 2.68 2.61 1.80 2.92 2.54 3.15 3.41 3.38
Other Operating Expenses		 19 24 22 20 23 23 24 20 18 18 19
Depreciation Expense		 4.07 7.09 10 14 20 25 26 25 22 18 14
Income Tax Expense		 38 37 36 36 25 28 23 33 31 31 26
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.01 0.01 0.02 0.02 0.02 0.06 0.00 0.00 0.00 - -
Basic Earnings per Share		 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.17
Weighted Average Basic Shares Outstanding		 24.55M 24.46M 24.70M 24.75M 25.30M 25.53M 25.94M 25.95M 25.88M 26.17M 26.43M
Diluted Earnings per Share		 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.17
Weighted Average Diluted Shares Outstanding		 24.55M 24.46M 24.70M 24.75M 25.30M 25.53M 25.94M 25.95M 25.88M 26.17M 26.43M
Weighted Average Basic & Diluted Shares Outstanding		 24.55M 24.46M 24.70M 24.75M 25.30M 25.53M 25.94M 25.95M 25.88M 26.17M 26.43M
Cash Dividends to Common per Share		 $1.40 $1.30 $1.26 $1.21 $1.13 $1.10 $0.96 $0.76 $0.72 $0.67 $0.65

Quarterly Income Statements for 1st Source

This table shows 1st Source's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 38 31 35 37 29 28 33 32 31 31 33
Consolidated Net Income / (Loss)		 38 31 35 37 29 28 33 32 31 31 33
Net Income / (Loss) Continuing Operations		 38 31 35 37 29 28 33 32 31 31 33
Total Pre-Tax Income 		48 40 45 48 38 37 43 42 40 41 42
Total Revenue		 104 98 98 97 94 91 94 91 93 95 91
Net Interest Income / (Expense)		 81 79 75 74 72 71 69 69 70 71 69
Total Interest Income		 123 123 123 121 116 115 107 101 94 87 76
Loans and Leases Interest Income		 114 114 115 113 109 107 100 93 87 79 69
Investment Securities Interest Income		 8.43 7.90 6.37 6.15 6.34 6.30 6.24 6.28 7.13 7.39 7.03
Other Interest Income		 1.31 1.43 1.66 1.91 0.93 1.17 0.88 0.98 0.64 0.63 0.42
Total Interest Expense		 42 44 48 47 45 43 38 32 25 16 7.54
Deposits Interest Expense		 40 40 44 43 40 39 34 29 21 13 6.56
Short-Term Borrowings Interest Expense		 0.23 2.21 1.51 2.16 3.10 1.88 2.14 1.63 1.39 1.07 0.38
Long-Term Debt Interest Expense		 1.27 0.32 1.40 0.81 0.65 1.67 0.49 0.52 1.22 1.02 -0.30
Federal Funds Purchased and Securities Sold Interest Expense		 1.01 1.04 1.05 1.06 1.06 1.07 1.06 1.03 1.02 0.97 0.90
Total Non-Interest Income		 23 18 22 23 22 20 24 23 23 23 22
Service Charges on Deposit Accounts		 14 15 14 15 14 14 13 14 13 13 13
Other Service Charges		 7.47 5.77 5.86 5.84 5.98 6.64 8.06 5.23 6.87 6.64 5.02
Other Non-Interest Income		 1.75 2.04 2.18 2.54 2.62 2.68 3.07 3.25 3.31 3.38 3.63
Provision for Credit Losses		 3.27 2.71 3.11 0.06 6.60 1.91 0.86 0.05 3.05 5.34 3.17
Total Non-Interest Expense		 53 55 49 49 50 53 50 49 49 48 45
Salaries and Employee Benefits		 32 32 31 29 30 30 29 28 29 28 26
Net Occupancy & Equipment Expense		 12 12 12 11 11 11 10 10 10 10 9.76
Marketing Expense		 1.93 1.44 1.67 2.03 1.74 2.34 1.20 1.65 1.97 1.47 1.42
Property & Liability Insurance Claims		 1.44 1.44 1.42 1.63 1.66 1.62 1.60 1.34 1.36 0.94 0.94
Other Operating Expenses		 5.02 7.43 2.66 4.72 4.68 6.60 6.46 5.70 5.38 5.99 4.60
Depreciation Expense		 0.72 0.88 0.91 1.00 1.29 1.52 1.67 1.88 2.02 2.11 2.23
Income Tax Expense		 10 8.62 10 11 8.43 8.11 9.73 9.63 9.29 9.96 9.70
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.00 -0.00 -0.02 0.01 0.01 -0.01 0.00 0.01 0.01 -0.01 0.01
Basic Earnings per Share		 $1.52 $1.27 $1.41 $1.49 $1.19 $1.16 $1.32 $1.30 $1.25 $1.24 $1.32
Weighted Average Basic Shares Outstanding		 24.55M 24.55M 24.51M 24.50M 24.46M 24.46M 24.66M 24.69M 24.69M 24.70M 24.66M
Diluted Earnings per Share		 $1.52 $1.27 $1.41 $1.49 $1.19 $1.16 $1.32 $1.30 $1.25 $1.24 $1.32
Weighted Average Diluted Shares Outstanding		 24.55M 24.55M 24.51M 24.50M 24.46M 24.46M 24.66M 24.69M 24.69M 24.70M 24.66M
Weighted Average Basic & Diluted Shares Outstanding		 24.56M 24.55M 24.52M 24.51M 24.49M 24.46M 24.43M 24.69M 24.70M 24.70M 24.66M
Cash Dividends to Common per Share		 $0.36 $0.36 $0.36 $0.34 $0.34 $0.34 $0.32 $0.32 $0.32 $0.32 $0.32

Annual Cash Flow Statements for 1st Source

This table details how cash moves in and out of 1st Source's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 -4.84 6.87 -402 282 160 -16 21 -30 29 14 -14
Net Cash From Operating Activities		 194 188 176 167 154 165 160 140 98 101 72
Net Cash From Continuing Operating Activities		 195 188 176 167 154 165 160 140 98 101 72
Net Income / (Loss) Continuing Operations		 133 125 121 119 81 92 82 68 58 57 58
Consolidated Net Income / (Loss)		 133 125 121 119 81 92 82 68 58 57 58
Provision For Loan Losses		 12 5.87 13 -4.30 36 16 19 8.98 5.83 2.16 3.73
Depreciation Expense		 8.53 12 15 19 26 31 32 31 27 23 19
Amortization Expense		 5.54 7.86 8.42 12 11 8.37 4.43 6.54 7.34 6.08 5.63
Non-Cash Adjustments to Reconcile Net Income		 11 0.70 3.27 18 -13 -14 4.49 3.57 -2.31 8.42 -2.59
Changes in Operating Assets and Liabilities, net		 24 37 15 3.42 13 31 17 22 2.49 3.40 -11
Net Cash From Investing Activities		 -277 -358 -785 -599 -583 -334 -458 -485 -310 -382 -129
Net Cash From Continuing Investing Activities		 -277 -358 -785 -599 -583 -261 -458 -485 -310 -382 -129
Purchase of Property, Leasehold Improvements and Equipment		 -7.56 -1.74 4.33 0.03 24 -5.54 -24 -51 -39 -64 -36
Purchase of Investment Securities		 -858 -676 -1,120 -1,109 -1,086 -744 -664 -931 -523 -465 -314
Sale and/or Maturity of Investments		 624 370 349 535 535 454 244 522 252 147 221
Other Investing Activities, net		 -34 -51 -18 -25 -55 34 -14 -24 - - -
Net Cash From Financing Activities		 78 177 207 714 588 154 319 315 240 295 43
Net Cash From Continuing Financing Activities		 78 177 207 714 588 -208 319 315 240 295 43
Net Change in Deposits		 191 110 249 733 589 -126 370 419 195 336 149
Issuance of Debt		 -63 97 16 49 15 -53 0.00 20 80 0.00 7.16
Issuance of Common Equity		 0.15 0.08 0.25 0.09 0.04 0.05 0.15 0.15 0.12 0.15 0.20
Repayment of Debt		 -13 -3.45 -26 -13 -2.91 -2.70 -17 -104 -6.43 -14 -80
Repurchase of Common Equity		 -0.18 -12 -6.84 -33 -6.42 -15 -9.27 -0.04 -8.03 -9.97 -16
Payment of Dividends		 -35 -33 -32 -31 -30 -29 -26 -20 -19 -18 -18
Other Financing Activities, Net		 -2.33 19 6.47 9.36 23 19 1.51 0.00 0.00 - -
Cash Interest Paid		 176 115 26 - - - - 26 22 17 19
Cash Income Taxes Paid		 11 18 23 - - - - 11 20 30 29

Quarterly Cash Flow Statements for 1st Source

This table details how cash moves in and out of 1st Source's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 98 -45 -100 188 -49 19 -1.54 19 -29 5.19 -164
Net Cash From Operating Activities		 72 34 68 50 42 44 52 45 47 44 45
Net Cash From Continuing Operating Activities		 72 34 69 50 42 44 52 45 47 44 45
Net Income / (Loss) Continuing Operations		 38 31 35 37 29 28 33 32 31 31 33
Consolidated Net Income / (Loss)		 38 31 35 37 29 28 33 32 31 31 33
Provision For Loan Losses		 3.27 2.71 3.11 0.06 6.60 1.91 0.86 0.05 3.05 5.34 3.17
Depreciation Expense		 1.91 2.06 2.08 2.07 2.32 2.55 2.79 3.04 3.17 3.26 3.36
Amortization Expense		 0.28 0.72 1.40 1.71 1.71 1.77 2.04 2.20 1.85 1.92 2.08
Non-Cash Adjustments to Reconcile Net Income		 0.99 8.84 1.24 -0.86 2.15 2.18 -1.15 -2.31 1.98 -3.77 1.19
Changes in Operating Assets and Liabilities, net		 28 -12 26 10 -0.28 7.32 15 9.35 5.67 5.99 2.25
Net Cash From Investing Activities		 39 -256 35 -32 -24 -148 -110 -76 -24 -210 -255
Net Cash From Continuing Investing Activities		 39 -256 35 -32 -24 -148 -110 -76 -24 -210 -255
Purchase of Property, Leasehold Improvements and Equipment		 -1.61 -5.89 -1.70 -1.77 1.81 -1.17 -0.17 0.41 -0.81 -1.96 0.67
Purchase of Investment Securities		 -83 -474 -108 -164 -112 -245 -159 -134 -138 -307 -361
Sale and/or Maturity of Investments		 128 237 150 140 97 119 60 72 120 100 112
Other Investing Activities, net		 -4.51 -13 -5.48 -5.86 -10 -21 -11 -13 -5.27 -1.38 -6.84
Net Cash From Financing Activities		 -13 178 -203 170 -67 123 56 50 -51 172 46
Net Cash From Continuing Financing Activities		 -13 178 -203 170 -67 123 56 50 -51 172 46
Net Change in Deposits		 188 104 -70 141 17 71 -9.03 175 -127 307 -124
Issuance of Debt		 -188 84 -123 39 -63 40 84 -115 88 -125 173
Issuance of Common Equity		 0.00 - - - - 0.00 - - - - -
Repayment of Debt		 -1.73 -0.04 -1.05 -0.28 -11 -0.07 -0.33 -0.33 -2.73 -1.79 -0.33
Repurchase of Common Equity		 -0.46 -0.18 - - 0.00 0.00 -10 -1.41 -0.77 - -
Payment of Dividends		 -9.11 -9.10 -9.11 -8.60 -8.59 -8.59 -8.17 -8.18 -8.14 -8.14 -8.13
Other Financing Activities, Net		 -1.51 -0.51 -0.37 -0.34 -1.12 20 -0.32 -0.23 -0.42 -0.59 5.88
Cash Interest Paid		 49 - - - - - - - - - -
Cash Income Taxes Paid		 -20 - - - - - - - - - -

Annual Balance Sheets for 1st Source

This table presents 1st Source's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 8,932 8,728 8,339 8,096 7,316 6,623 6,294 5,887 5,486 5,188 4,830
Cash and Due from Banks		 77 77 85 54 74 67 95 74 59 65 65
Federal Funds Sold		 48 52 38 471 169 16 4.17 4.40 50 15 1.36
Trading Account Securities		 1,539 1,624 1,779 1,876 1,210 1,061 1,001 917 866 802 805
Loans and Leases, Net of Allowance		 6,699 6,371 5,872 5,219 5,349 4,974 4,735 4,433 4,100 3,907 3,604
Loans and Leases		 6,855 6,519 6,011 5,346 5,489 5,086 4,835 4,528 4,188 3,995 3,689
Allowance for Loan and Lease Losses		 156 148 139 127 141 111 100 95 89 88 85
Premises and Equipment, Net		 65 67 76 95 114 164 187 194 176 164 124
Intangible Assets		 84 84 84 84 84 - 84 84 84 85 85
Other Assets		 420 453 405 297 316 256 188 181 153 152 125
Total Liabilities & Shareholders' Equity		 8,932 8,728 8,339 8,096 7,316 6,623 6,294 5,887 5,486 5,188 4,830
Total Liabilities		 7,750 7,660 7,416 7,127 6,386 5,774 5,530 5,169 4,814 4,544 4,215
Non-Interest Bearing Deposits		 1,639 1,656 1,998 2,053 1,637 5,357 1,217 1,064 991 902 796
Interest Bearing Deposits		 5,591 5,383 4,930 4,626 4,309 4,140 3,905 3,688 3,343 3,237 3,007
Federal Funds Purchased and Securities Sold		 72 56 141 195 144 120 114 206 163 131 139
Short-Term Debt		 177 257 74 5.30 7.08 25 86 8.76 129 103 107
Long-Term Debt		 98 107 105 130 141 130 130 129 133 116 115
Other Long-Term Liabilities		 173 202 167 118 148 -4,000 79 73 55 55 52
Total Equity & Noncontrolling Interests		 1,182 1,068 924 969 931 849 764 719 673 644 614
Total Preferred & Common Equity		 1,111 990 864 916 887 828 762 719 673 644 614
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,111 990 864 916 887 828 762 719 673 644 614
Common Stock		 437 437 437 437 437 437 437 437 437 437 347
Retained Earnings		 891 790 695 604 514 463 399 340 291 252 302
Treasury Stock		 -129 -130 -120 -114 -82 -77 -63 -55 -56 -51 -44
Accumulated Other Comprehensive Income / (Loss)		 -87 -106 -148 -9.86 18 5.17 -11 -3.33 1.34 6.56 9.41
Noncontrolling Interest		 70 79 60 53 44 20 1.51 0.00 - - -

Quarterly Balance Sheets for 1st Source

This table presents 1st Source's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 8,963 8,764 8,878 8,668 8,525 8,415 8,330 8,097
Cash and Due from Banks		 88 100 90 42 76 87 67 87
Federal Funds Sold		 135 69 180 39 35 26 27 31
Trading Account Securities		 1,504 1,567 1,526 1,586 1,608 1,664 1,716 1,804
Loans and Leases, Net of Allowance		 6,706 6,464 6,503 6,415 6,210 6,072 5,974 5,626
Loans and Leases		 6,863 6,616 6,653 6,563 6,354 6,215 6,117 5,762
Allowance for Loan and Lease Losses		 157 152 150 148 144 144 143 136
Premises and Equipment, Net		 65 61 62 62 68 71 74 78
Intangible Assets		 84 84 84 84 84 84 84 84
Other Assets		 382 419 434 440 444 412 388 388
Total Liabilities & Shareholders' Equity		 8,963 8,764 8,878 8,668 8,525 8,415 8,330 8,097
Total Liabilities		 7,743 7,589 7,763 7,586 7,542 7,435 7,361 7,211
Non-Interest Bearing Deposits		 1,651 1,636 1,579 1,618 1,681 1,722 1,815 2,047
Interest Bearing Deposits		 5,766 5,490 5,617 5,437 5,287 5,255 4,986 4,574
Federal Funds Purchased and Securities Sold		 60 64 71 83 48 69 73 145
Short-Term Debt		 1.15 102 217 167 224 118 230 195
Long-Term Debt		 100 98 98 98 105 105 105 106
Other Long-Term Liabilities		 164 199 181 183 197 165 151 143
Total Equity & Noncontrolling Interests		 1,221 1,175 1,115 1,082 983 980 968 886
Total Preferred & Common Equity		 1,161 1,104 1,044 1,010 924 921 909 826
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,161 1,104 1,044 1,010 924 921 909 826
Common Stock		 437 437 437 437 437 437 437 437
Retained Earnings		 922 868 842 812 770 744 719 672
Treasury Stock		 -129 -129 -129 -130 -131 -120 -119 -120
Accumulated Other Comprehensive Income / (Loss)		 -68 -71 -106 -109 -151 -140 -127 -162
Noncontrolling Interest		 59 71 71 72 59 59 59 60

Annual Metrics And Ratios for 1st Source

This table displays calculated financial ratios and metrics derived from 1st Source's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.83% 4.10% 5.35% 2.13% 1.45% 4.52% 9.36% 9.95% 3.51% 4.88% 1.79%
EBITDA Growth		 2.23% 0.70% -3.09% 29.34% -10.01% 12.82% 1.84% 12.47% 4.83% 8.27% 1.80%
EBIT Growth		 5.80% 3.12% 1.23% 45.65% -11.50% 14.40% 3.62% 13.73% 0.64% 4.88% 0.60%
NOPAT Growth		 6.15% 3.65% 1.67% 45.54% -11.47% 11.65% 21.11% 17.76% 0.52% -1.00% 5.66%
Net Income Growth		 6.15% 3.65% 1.67% 45.54% -11.47% 11.65% 21.11% 17.76% 0.52% -1.00% 5.66%
EPS Growth		 6.56% 3.93% 2.98% 48.27% -11.20% 12.97% 21.54% 17.12% 2.30% 0.00% 6.90%
Operating Cash Flow Growth		 3.15% 7.07% 5.26% 7.94% -6.14% 3.08% 14.31% 42.46% -2.53% 39.06% -16.88%
Free Cash Flow Firm Growth		 153.02% -266.52% 32.53% 1,119.12% -88.67% 264.14% -127.72% 1,132.75% -145.56% -45.42% 170.00%
Invested Capital Growth		 1.73% 29.76% -0.14% 2.45% 7.36% 2.58% 14.38% -8.41% 8.34% 3.15% 0.11%
Revenue Q/Q Growth		 1.69% -0.89% 3.15% -1.23% 2.24% -3.93% 6.75% 3.17% 0.63% 1.38% 1.58%
EBITDA Q/Q Growth		 1.09% -2.87% 1.52% -1.22% 5.54% -7.22% 14.19% 0.97% 1.37% 3.73% 0.92%
EBIT Q/Q Growth		 2.11% -2.70% 3.12% 1.38% 5.54% -9.89% 20.98% 0.31% 0.98% 3.29% 0.31%
NOPAT Q/Q Growth		 2.33% -2.07% 2.83% 1.08% 5.86% 0.56% 4.37% 4.24% 1.42% -1.00% 2.25%
Net Income Q/Q Growth		 2.33% -2.07% 2.83% 1.08% 5.86% 0.56% 4.37% 4.24% 1.42% -1.00% 2.25%
EPS Q/Q Growth		 2.10% -1.57% 2.54% 1.95% 6.02% 0.56% 4.98% 4.00% 1.83% 0.93% 7.43%
Operating Cash Flow Q/Q Growth		 -5.19% 0.19% -9.25% 2.59% 4.01% -8.80% 19.73% 6.79% 2.29% 12.22% 0.94%
Free Cash Flow Firm Q/Q Growth		 62.55% -5,905.65% 292.93% 18.74% -78.91% -42.79% -198.51% 246.00% -112.47% 327.99% 2,640.44%
Invested Capital Q/Q Growth		 5.89% 9.10% -7.14% 0.27% 1.52% -1.62% -6.40% -15.11% 10.92% -4.10% 1.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.82% 49.04% 50.69% 55.11% 43.52% 49.06% 45.45% 48.81% 47.71% 47.11% 45.64%
EBIT Margin		 44.19% 43.78% 44.20% 46.00% 32.25% 36.97% 33.78% 35.65% 34.46% 35.45% 35.45%
Profit (Net Income) Margin		 34.26% 33.83% 33.98% 35.21% 24.71% 28.31% 26.50% 23.93% 22.35% 23.01% 24.38%
Tax Burden Percent		 77.53% 77.27% 76.88% 76.55% 76.60% 76.58% 78.47% 67.14% 64.84% 64.91% 68.77%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.47% 22.73% 23.12% 23.45% 23.40% 23.42% 21.53% 32.86% 35.16% 35.09% 31.23%
Return on Invested Capital (ROIC)		 9.18% 9.86% 10.92% 10.86% 7.82% 9.28% 8.98% 7.60% 6.43% 6.77% 6.95%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.18% 9.86% 10.92% 10.86% 7.82% 9.28% 8.98% 7.60% 6.43% 6.77% 6.95%
Return on Net Nonoperating Assets (RNNOA)		 2.60% 2.69% 1.82% 1.62% 1.33% 2.14% 2.14% 2.18% 2.35% 2.37% 2.73%
Return on Equity (ROE)		 11.79% 12.54% 12.73% 12.48% 9.16% 11.41% 11.12% 9.78% 8.78% 9.14% 9.68%
Cash Return on Invested Capital (CROIC)		 7.47% -16.05% 11.06% 8.44% 0.73% 6.73% -4.43% 16.38% -1.58% 3.67% 6.83%
Operating Return on Assets (OROA)		 1.94% 1.89% 1.91% 2.01% 1.53% 1.86% 1.72% 1.78% 1.67% 1.77% 1.77%
Return on Assets (ROA)		 1.50% 1.46% 1.47% 1.54% 1.17% 1.42% 1.35% 1.20% 1.08% 1.15% 1.22%
Return on Common Equity (ROCE)		 11.01% 11.67% 11.97% 11.84% 8.83% 11.26% 11.11% 9.78% 8.78% 9.14% 9.68%
Return on Equity Simple (ROE_SIMPLE)		 11.94% 12.63% 13.95% 12.94% 9.19% 11.11% 10.81% 9.47% 8.59% 8.93% 9.45%
Net Operating Profit after Tax (NOPAT)		 133 125 121 119 81 92 82 68 58 57 58
NOPAT Margin		 34.26% 33.83% 33.98% 35.21% 24.71% 28.31% 26.50% 23.93% 22.35% 23.01% 24.38%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.92% 44.57% 42.14% 44.61% 42.97% 42.69% 42.91% 44.24% 46.77% 47.67% 47.65%
Operating Expenses to Revenue		 52.59% 54.63% 52.07% 55.28% 56.83% 58.16% 59.97% 61.19% 63.28% 63.69% 62.98%
Earnings before Interest and Taxes (EBIT)		 171 162 157 155 106 120 105 101 89 89 84
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 185 181 180 186 143 159 141 139 123 118 109
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.28 1.32 1.43 1.23 1.04 1.38 1.16 1.48 1.41 1.00 0.95
Price to Tangible Book Value (P/TBV)		 1.39 1.44 1.58 1.36 1.15 1.54 1.31 1.68 1.61 1.15 1.10
Price to Revenue (P/Rev)		 3.68 3.52 3.48 3.36 2.79 3.53 2.85 3.75 3.66 2.58 2.45
Price to Earnings (P/E)		 10.73 10.42 10.24 9.53 11.31 12.47 10.76 15.67 16.36 11.21 10.03
Dividend Yield		 2.41% 2.44% 2.52% 2.66% 3.14% 2.45% 2.81% 1.85% 1.97% 2.91% 2.91%
Earnings Yield		 9.32% 9.60% 9.77% 10.49% 8.84% 8.02% 9.29% 6.38% 6.11% 8.92% 9.97%
Enterprise Value to Invested Capital (EV/IC)		 1.13 1.13 1.22 0.72 0.81 1.23 1.03 1.31 1.18 0.91 0.86
Enterprise Value to Revenue (EV/Rev)		 4.25 4.37 3.81 2.36 2.64 3.81 3.23 3.96 4.25 3.14 3.01
Enterprise Value to EBITDA (EV/EBITDA)		 8.88 8.91 7.51 4.27 6.06 7.78 7.11 8.11 8.91 6.66 6.60
Enterprise Value to EBIT (EV/EBIT)		 9.61 9.98 8.61 5.12 8.18 10.32 9.57 11.11 12.33 8.85 8.50
Enterprise Value to NOPAT (EV/NOPAT)		 12.39 12.92 11.20 6.69 10.67 13.47 12.19 16.54 19.02 13.63 12.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.48 8.59 7.69 4.76 5.63 7.53 6.29 8.06 11.21 7.79 9.92
Enterprise Value to Free Cash Flow (EV/FCFF)		 15.24 0.00 11.05 8.61 115.01 18.58 0.00 7.67 0.00 25.14 12.57
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.23 0.34 0.19 0.14 0.16 0.18 0.28 0.19 0.39 0.34 0.36
Long-Term Debt to Equity		 0.08 0.10 0.11 0.13 0.15 0.15 0.17 0.18 0.20 0.18 0.19
Financial Leverage		 0.28 0.27 0.17 0.15 0.17 0.23 0.24 0.29 0.37 0.35 0.39
Leverage Ratio		 7.85 8.57 8.68 8.11 7.83 8.01 8.22 8.18 8.11 7.96 7.96
Compound Leverage Factor		 7.85 8.57 8.68 8.11 7.83 8.01 8.22 8.18 8.11 7.96 7.96
Debt to Total Capital		 18.87% 25.37% 16.26% 12.25% 13.70% 15.51% 22.02% 16.07% 28.04% 25.35% 26.54%
Short-Term Debt to Total Capital		 12.14% 17.92% 6.72% 0.48% 0.66% 2.53% 8.75% 1.02% 13.80% 11.89% 12.79%
Long-Term Debt to Total Capital		 6.72% 7.45% 9.55% 11.77% 13.04% 12.98% 13.26% 15.05% 14.24% 13.46% 13.75%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 4.84% 5.50% 5.41% 4.82% 4.06% 2.03% 0.15% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 76.30% 69.13% 78.33% 82.94% 82.24% 82.46% 77.83% 83.93% 71.96% 74.65% 73.46%
Debt to EBITDA		 1.48 2.01 1.00 0.73 1.03 0.98 1.53 0.99 2.12 1.86 2.04
Net Debt to EBITDA		 0.81 1.29 0.31 -2.10 -0.66 0.45 0.82 0.43 1.25 1.18 1.24
Long-Term Debt to EBITDA		 0.53 0.59 0.59 0.70 0.98 0.82 0.92 0.93 1.08 0.99 1.06
Debt to NOPAT		 2.07 2.91 1.49 1.14 1.81 1.69 2.62 2.02 4.54 3.80 3.82
Net Debt to NOPAT		 1.13 1.87 0.47 -3.29 -1.17 0.79 1.41 0.88 2.66 2.42 2.32
Long-Term Debt to NOPAT		 0.74 0.85 0.87 1.10 1.73 1.42 1.58 1.89 2.30 2.02 1.98
Noncontrolling Interest Sharing Ratio		 6.63% 6.95% 5.96% 5.11% 3.61% 1.36% 0.10% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 108 -203 122 92 7.56 67 -41 147 -14 31 57
Operating Cash Flow to CapEx		 2,565.21% 10,807.13% 0.00% 0.00% 0.00% 2,972.30% 660.85% 271.54% 251.21% 157.19% 203.47%
Free Cash Flow to Firm to Interest Expense		 0.59 -1.47 4.02 5.08 0.20 1.13 -0.94 5.48 -0.64 1.72 3.13
Operating Cash Flow to Interest Expense		 1.06 1.36 5.78 9.20 4.15 2.79 3.68 5.22 4.44 5.54 3.97
Operating Cash Flow Less CapEx to Interest Expense		 1.02 1.35 5.93 9.20 4.79 2.70 3.12 3.30 2.67 2.02 2.02
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 5.89 5.16 4.13 3.21 2.37 1.85 1.63 1.54 1.53 1.73 2.05
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,456 1,431 1,103 1,105 1,078 1,004 979 856 935 863 836
Invested Capital Turnover		 0.27 0.29 0.32 0.31 0.32 0.33 0.34 0.32 0.29 0.29 0.29
Increase / (Decrease) in Invested Capital		 25 328 -1.60 26 74 25 123 -79 72 26 0.96
Enterprise Value (EV)		 1,643 1,614 1,350 793 869 1,240 1,005 1,126 1,099 783 718
Market Capitalization		 1,423 1,301 1,234 1,130 921 1,147 887 1,066 945 645 583
Book Value per Share		 $45.32 $40.51 $35.04 $36.95 $34.71 $32.47 $29.35 $27.70 $26.00 $24.69 $25.75
Tangible Book Value per Share		 $41.90 $37.07 $31.64 $33.57 $31.42 $29.18 $26.11 $24.48 $22.75 $21.45 $22.17
Total Capital		 1,456 1,431 1,103 1,105 1,078 1,004 979 856 935 863 836
Total Debt		 275 363 179 135 148 156 216 138 262 219 222
Total Long-Term Debt		 98 107 105 130 141 130 130 129 133 116 115
Net Debt		 150 234 57 -390 -95 72 117 60 154 139 135
Capital Expenditures (CapEx)		 7.56 1.74 -4.33 -0.03 -24 5.54 24 51 39 64 36
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 275 363 179 135 148 156 216 138 262 219 222
Total Depreciation and Amortization (D&A)		 14 19 23 31 37 39 36 37 34 29 24
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.39
Adjusted Weighted Average Basic Shares Outstanding		 24.55M 24.46M 24.70M 24.75M 25.30M 25.53M 25.80M 25.95M 25.91M 25.88M 23.88M
Adjusted Diluted Earnings per Share		 $5.36 $5.03 $4.84 $4.70 $3.17 $3.57 $3.16 $2.60 $2.22 $2.17 $2.39
Adjusted Weighted Average Diluted Shares Outstanding		 24.55M 24.46M 24.70M 24.75M 25.30M 25.53M 25.80M 25.95M 25.91M 25.88M 23.88M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.55M 24.46M 24.70M 24.75M 25.30M 25.53M 25.80M 25.95M 25.91M 25.88M 23.88M
Normalized Net Operating Profit after Tax (NOPAT)		 133 125 121 119 81 92 82 68 58 57 58
Normalized NOPAT Margin		 34.26% 33.83% 33.98% 35.21% 24.71% 28.31% 26.50% 23.93% 22.35% 23.01% 24.38%
Pre Tax Income Margin		 44.19% 43.78% 44.20% 46.00% 32.25% 36.97% 33.78% 35.65% 34.46% 35.45% 35.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.93 1.17 5.17 8.54 2.86 2.04 2.42 3.79 4.03 4.88 4.63
NOPAT to Interest Expense		 0.72 0.90 3.97 6.54 2.19 1.56 1.90 2.54 2.61 3.17 3.19
EBIT Less CapEx to Interest Expense		 0.89 1.16 5.31 8.54 3.49 1.94 1.86 1.87 2.27 1.35 2.68
NOPAT Less CapEx to Interest Expense		 0.68 0.89 4.11 6.54 2.82 1.47 1.34 0.62 0.85 -0.36 1.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.69% 26.47% 26.63% 26.43% 36.54% 31.54% 31.17% 30.02% 33.60% 31.53% 30.38%
Augmented Payout Ratio		 26.82% 36.45% 32.31% 54.38% 44.41% 47.93% 42.42% 30.08% 47.50% 48.87% 58.53%

Quarterly Metrics And Ratios for 1st Source

This table displays calculated financial ratios and metrics derived from 1st Source's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.60% 7.05% 4.53% 6.56% 1.27% -3.51% 3.02% 5.79% 12.23% 12.92% 3.67%
EBITDA Growth		 19.00% 4.87% 2.91% 8.87% -7.75% -11.57% -0.82% 6.95% 9.44% 6.20% -3.56%
EBIT Growth		 25.89% 9.68% 6.37% 13.43% -6.25% -10.95% 0.53% 10.33% 14.84% 13.10% 0.54%
NOPAT Growth		 27.36% 10.63% 6.00% 13.43% -5.36% -8.50% 0.59% 10.63% 13.61% 11.97% 0.81%
Net Income Growth		 27.36% 10.63% 6.00% 13.43% -5.36% -8.50% 0.59% 10.63% 13.61% 11.97% 0.81%
EPS Growth		 27.73% 9.48% 6.82% 14.62% -4.80% -6.45% 0.00% 10.17% 13.64% 10.71% 2.33%
Operating Cash Flow Growth		 71.10% -24.02% 31.06% 11.64% -10.44% 0.83% 16.45% -0.83% 12.08% -29.02% 141.87%
Free Cash Flow Firm Growth		 557.20% 102.22% 68.89% -27.75% 93.76% -1,018.41% -70.71% -252.86% -479.45% 2,353.27% -642.17%
Invested Capital Growth		 -1.86% 1.73% 4.82% 18.80% 3.31% 29.76% 10.44% 17.67% 23.78% -0.14% 7.82%
Revenue Q/Q Growth		 6.33% -0.09% 0.68% 3.40% 2.92% -2.44% 2.64% -1.73% -1.95% 4.17% 5.39%
EBITDA Q/Q Growth		 16.45% -12.34% -5.12% 22.86% 2.63% -13.98% 0.38% 4.11% -1.62% -3.54% 8.25%
EBIT Q/Q Growth		 19.07% -11.73% -4.91% 25.95% 3.74% -14.40% 1.41% 4.09% -1.46% -3.36% 11.30%
NOPAT Q/Q Growth		 19.36% -9.96% -5.14% 24.92% 3.68% -13.73% 1.52% 4.23% 0.24% -5.16% 11.64%
Net Income Q/Q Growth		 19.36% -9.96% -5.14% 24.92% 3.68% -13.73% 1.52% 4.23% 0.24% -5.16% 11.64%
EPS Q/Q Growth		 19.69% -9.93% -5.37% 25.21% 2.59% -12.12% 1.54% 4.00% 0.81% -6.06% 11.86%
Operating Cash Flow Q/Q Growth		 114.02% -50.93% 36.76% 19.13% -4.96% -15.36% 16.49% -4.44% 7.00% -2.24% -0.80%
Free Cash Flow Firm Q/Q Growth		 841.22% 123.45% 85.04% -1,285.00% 95.44% -229.07% 38.57% 32.34% -771.53% 161.17% -155.01%
Invested Capital Q/Q Growth		 -9.24% 5.89% -3.84% 6.20% -5.92% 9.10% 8.99% -7.65% 18.16% -7.14% 16.12%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 47.95% 43.78% 49.90% 52.95% 44.56% 44.69% 50.69% 51.82% 48.92% 48.76% 52.65%
EBIT Margin		 45.85% 40.94% 46.34% 49.06% 40.28% 39.96% 45.54% 46.09% 43.51% 43.30% 46.67%
Profit (Net Income) Margin		 36.07% 32.13% 35.65% 37.84% 31.32% 31.09% 35.16% 35.54% 33.51% 32.78% 36.01%
Tax Burden Percent		 78.66% 78.47% 76.93% 77.12% 77.76% 77.81% 77.20% 77.12% 77.02% 75.72% 77.15%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.34% 21.53% 23.07% 22.88% 22.24% 22.19% 22.80% 22.88% 22.98% 24.28% 22.85%
Return on Invested Capital (ROIC)		 10.73% 8.61% 10.10% 10.81% 8.76% 9.06% 10.48% 11.81% 10.38% 10.53% 10.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.73% 8.61% 10.10% 10.81% 8.76% 9.06% 10.48% 11.81% 10.38% 10.53% 10.82%
Return on Net Nonoperating Assets (RNNOA)		 1.71% 2.44% 2.48% 2.78% 2.56% 2.47% 3.54% 2.10% 2.58% 1.75% 2.62%
Return on Equity (ROE)		 12.44% 11.06% 12.58% 13.60% 11.32% 11.53% 14.02% 13.91% 12.95% 12.28% 13.44%
Cash Return on Invested Capital (CROIC)		 12.42% 7.47% 4.94% -7.49% 6.05% -16.05% 0.28% -4.80% -10.71% 11.06% 2.71%
Operating Return on Assets (OROA)		 2.07% 1.79% 2.04% 2.14% 1.76% 1.73% 2.04% 2.07% 1.94% 1.87% 2.00%
Return on Assets (ROA)		 1.62% 1.41% 1.57% 1.65% 1.37% 1.35% 1.58% 1.60% 1.50% 1.42% 1.54%
Return on Common Equity (ROCE)		 11.74% 10.32% 11.82% 12.75% 10.60% 10.73% 13.12% 13.07% 12.17% 11.55% 12.67%
Return on Equity Simple (ROE_SIMPLE)		 12.11% 0.00% 11.74% 12.23% 12.21% 0.00% 13.80% 13.83% 13.67% 0.00% 14.19%
Net Operating Profit after Tax (NOPAT)		 38 31 35 37 29 28 33 32 31 31 33
NOPAT Margin		 36.07% 32.13% 35.65% 37.84% 31.32% 31.09% 35.16% 35.54% 33.51% 32.78% 36.01%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.12% 46.34% 45.39% 43.33% 44.61% 47.29% 43.16% 44.09% 43.77% 41.52% 41.30%
Operating Expenses to Revenue		 51.01% 56.29% 50.49% 50.88% 52.71% 57.95% 53.54% 53.86% 53.20% 51.07% 49.85%
Earnings before Interest and Taxes (EBIT)		 48 40 45 48 38 37 43 42 40 41 42
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 50 43 49 52 42 41 47 47 45 46 48
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.26 1.28 1.31 1.24 1.24 1.32 1.08 1.07 1.11 1.43 1.30
Price to Tangible Book Value (P/TBV)		 1.36 1.39 1.42 1.34 1.35 1.44 1.19 1.18 1.23 1.58 1.44
Price to Revenue (P/Rev)		 3.70 3.68 3.81 3.43 3.37 3.52 2.68 2.68 2.77 3.48 3.11
Price to Earnings (P/E)		 10.44 10.73 11.19 10.11 10.14 10.42 7.84 7.77 8.14 10.24 9.13
Dividend Yield		 2.37% 2.41% 2.33% 2.54% 2.58% 2.44% 3.16% 3.19% 3.10% 2.52% 2.88%
Earnings Yield		 9.58% 9.32% 8.94% 9.89% 9.86% 9.60% 12.76% 12.87% 12.29% 9.77% 10.95%
Enterprise Value to Invested Capital (EV/IC)		 1.06 1.13 1.13 0.98 1.12 1.13 0.97 0.96 1.01 1.22 1.11
Enterprise Value to Revenue (EV/Rev)		 3.54 4.25 4.08 3.74 4.06 4.37 3.43 3.14 3.59 3.81 3.82
Enterprise Value to EBITDA (EV/EBITDA)		 7.28 8.88 8.48 7.74 8.48 8.91 6.85 6.21 7.14 7.51 7.42
Enterprise Value to EBIT (EV/EBIT)		 7.77 9.61 9.27 8.54 9.46 9.98 7.68 6.99 8.09 8.61 8.64
Enterprise Value to NOPAT (EV/NOPAT)		 9.99 12.39 11.98 11.03 12.21 12.92 10.01 9.11 10.55 11.20 11.21
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.29 8.48 7.59 7.48 8.23 8.59 6.81 6.44 7.26 7.69 6.80
Enterprise Value to Free Cash Flow (EV/FCFF)		 8.48 15.24 23.40 0.00 18.79 0.00 364.45 0.00 0.00 11.05 42.29
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.08 0.23 0.17 0.28 0.25 0.34 0.33 0.23 0.35 0.19 0.34
Long-Term Debt to Equity		 0.08 0.08 0.08 0.09 0.09 0.10 0.11 0.11 0.11 0.11 0.12
Financial Leverage		 0.16 0.28 0.25 0.26 0.29 0.27 0.34 0.18 0.25 0.17 0.24
Leverage Ratio		 7.66 7.85 8.01 8.25 8.29 8.57 8.89 8.70 8.66 8.68 8.72
Compound Leverage Factor		 7.66 7.85 8.01 8.25 8.29 8.57 8.89 8.70 8.66 8.68 8.72
Debt to Total Capital		 7.65% 18.87% 14.55% 22.05% 19.69% 25.37% 25.08% 18.59% 25.71% 16.26% 25.39%
Short-Term Debt to Total Capital		 0.09% 12.14% 7.43% 15.20% 12.40% 17.92% 17.05% 9.83% 17.62% 6.72% 16.44%
Long-Term Debt to Total Capital		 7.56% 6.72% 7.12% 6.85% 7.29% 7.45% 8.03% 8.76% 8.09% 9.55% 8.95%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 4.47% 4.84% 5.16% 4.99% 5.32% 5.50% 4.48% 4.91% 4.55% 5.41% 5.08%
Common Equity to Total Capital		 87.88% 76.30% 80.29% 72.96% 74.99% 69.13% 70.44% 76.50% 69.74% 78.33% 69.53%
Debt to EBITDA		 0.52 1.48 1.09 1.74 1.49 2.01 1.77 1.20 1.82 1.00 1.70
Net Debt to EBITDA		 -0.63 0.81 0.17 0.25 1.04 1.29 1.17 0.59 1.31 0.31 1.04
Long-Term Debt to EBITDA		 0.52 0.53 0.54 0.54 0.55 0.59 0.56 0.56 0.57 0.59 0.60
Debt to NOPAT		 0.72 2.07 1.54 2.47 2.15 2.91 2.58 1.76 2.70 1.49 2.57
Net Debt to NOPAT		 -0.87 1.13 0.24 0.36 1.49 1.87 1.71 0.87 1.94 0.47 1.57
Long-Term Debt to NOPAT		 0.71 0.74 0.76 0.77 0.80 0.85 0.83 0.83 0.85 0.87 0.91
Noncontrolling Interest Sharing Ratio		 5.68% 6.63% 6.01% 6.22% 6.39% 6.95% 6.37% 6.00% 6.03% 5.96% 5.72%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 63 6.65 -28 -190 -14 -300 -91 -148 -219 33 -53
Operating Cash Flow to CapEx		 4,456.42% 569.43% 4,011.85% 2,817.70% 0.00% 3,789.70% 30,863.31% 0.00% 5,762.98% 2,236.31% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.48 0.15 -0.59 -4.02 -0.31 -6.94 -2.39 -4.63 -8.81 2.07 -7.08
Operating Cash Flow to Interest Expense		 1.69 0.77 1.43 1.06 0.94 1.02 1.37 1.40 1.88 2.77 5.94
Operating Cash Flow Less CapEx to Interest Expense		 1.66 0.63 1.40 1.02 0.98 0.99 1.36 1.41 1.85 2.65 6.03
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04
Fixed Asset Turnover		 6.25 5.89 5.89 5.67 5.43 5.16 5.11 4.85 4.51 4.13 3.91
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,322 1,456 1,375 1,430 1,347 1,431 1,312 1,204 1,304 1,103 1,188
Invested Capital Turnover		 0.30 0.27 0.28 0.29 0.28 0.29 0.30 0.33 0.31 0.32 0.30
Increase / (Decrease) in Invested Capital		 -25 25 63 226 43 328 124 181 250 -1.60 86
Enterprise Value (EV)		 1,406 1,643 1,552 1,407 1,506 1,614 1,277 1,160 1,311 1,350 1,314
Market Capitalization		 1,469 1,423 1,450 1,290 1,250 1,301 1,000 990 1,011 1,234 1,070
Book Value per Share		 $47.30 $45.32 $45.05 $42.61 $41.29 $40.51 $37.44 $37.30 $36.81 $35.04 $33.50
Tangible Book Value per Share		 $43.89 $41.90 $41.63 $39.18 $37.86 $37.07 $34.04 $33.90 $33.41 $31.64 $30.10
Total Capital		 1,322 1,456 1,375 1,430 1,347 1,431 1,312 1,204 1,304 1,103 1,188
Total Debt		 101 275 200 315 265 363 329 224 335 179 302
Total Long-Term Debt		 100 98 98 98 98 107 105 105 105 105 106
Net Debt		 -122 150 31 46 184 234 218 111 241 57 184
Capital Expenditures (CapEx)		 1.61 5.89 1.70 1.77 -1.81 1.17 0.17 -0.41 0.81 1.96 -0.67
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 101 275 200 315 265 363 329 224 335 179 302
Total Depreciation and Amortization (D&A)		 2.18 2.78 3.49 3.78 4.03 4.32 4.82 5.23 5.02 5.17 5.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.52 $1.27 $1.41 $1.49 $1.19 $1.16 $1.32 $1.30 $1.25 $1.24 $1.32
Adjusted Weighted Average Basic Shares Outstanding		 24.55M 24.55M 24.51M 24.50M 24.46M 24.46M 24.66M 24.69M 24.69M 24.70M 24.66M
Adjusted Diluted Earnings per Share		 $1.52 $1.27 $1.41 $1.49 $1.19 $1.16 $1.32 $1.30 $1.25 $1.24 $1.32
Adjusted Weighted Average Diluted Shares Outstanding		 24.55M 24.55M 24.51M 24.50M 24.46M 24.46M 24.66M 24.69M 24.69M 24.70M 24.66M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.56M 24.55M 24.52M 24.51M 24.49M 24.46M 24.43M 24.69M 24.70M 24.70M 24.66M
Normalized Net Operating Profit after Tax (NOPAT)		 38 31 35 37 29 28 33 32 31 31 33
Normalized NOPAT Margin		 36.07% 32.13% 35.65% 37.84% 31.32% 31.09% 35.16% 35.54% 33.51% 32.78% 36.01%
Pre Tax Income Margin		 45.85% 40.94% 46.34% 49.06% 40.28% 39.96% 45.54% 46.09% 43.51% 43.30% 46.67%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.13 0.91 0.95 1.01 0.85 0.84 1.12 1.31 1.62 2.60 5.63
NOPAT to Interest Expense		 0.89 0.72 0.73 0.78 0.66 0.66 0.86 1.01 1.25 1.96 4.34
EBIT Less CapEx to Interest Expense		 1.09 0.78 0.91 0.98 0.89 0.82 1.12 1.33 1.59 2.47 5.71
NOPAT Less CapEx to Interest Expense		 0.85 0.58 0.70 0.74 0.70 0.63 0.86 1.03 1.22 1.84 4.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.53% 26.69% 26.92% 26.60% 27.20% 26.47% 25.57% 25.58% 26.01% 26.63% 27.22%
Augmented Payout Ratio		 25.98% 26.82% 26.92% 34.67% 36.69% 36.45% 35.35% 27.29% 30.38% 32.31% 35.67%

Frequently Asked Questions About 1st Source's Financials

When does 1st Source's fiscal year end?

According to the most recent income statement we have on file, 1st Source's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has 1st Source's net income changed over the last 10 years?

1st Source's net income appears to be on an upward trend, with a most recent value of $132.62 million in 2024, rising from $58.07 million in 2014. The previous period was $124.93 million in 2023. View 1st Source's forecast to see where analysts expect 1st Source to go next.

How has 1st Source revenue changed over the last 10 years?

Over the last 10 years, 1st Source's total revenue changed from $238.22 million in 2014 to $387.12 million in 2024, a change of 62.5%.

How much debt does 1st Source have?

1st Source's total liabilities were at $7.75 billion at the end of 2024, a 1.2% increase from 2023, and a 83.9% increase since 2014.

How much cash does 1st Source have?

In the past 10 years, 1st Source's cash and equivalents has ranged from $54.42 million in 2021 to $94.91 million in 2018, and is currently $76.84 million as of their latest financial filing in 2024.

How has 1st Source's book value per share changed over the last 10 years?

Over the last 10 years, 1st Source's book value per share changed from 25.75 in 2014 to 45.32 in 2024, a change of 76.0%.


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This page (NASDAQ:SRCE) was last updated on 5/27/2025 by MarketBeat.com Staff
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