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1st Source Corporation

NASDAQ•SRCE
CEO: Mr. Brett A. Bauer
セクター: Financial Services
業種: Banks - Regional
上場日: 1983-08-12
1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance products to individual and business clients. Its consumer banking services include checking and savings accounts; certificates of deposit; individual retirement accounts; online and mobile banking products; consumer loans, real estate mortgage loans, and home equity lines of credit; and financial planning, financial literacy, and other consultative services, as well as debit and credit cards. The company also offers commercial, small business, agricultural, and real estate loans for general corporate purposes, including financing for industrial and commercial properties, equipment, inventories, accounts receivables, and renewable energy and acquisition financing; and commercial leasing, treasury management, and retirement planning services. In addition, it provides trust, investment, agency, and custodial services comprising administration of estates and personal trusts, as well as management of investment accounts for individuals, employee benefit plans, and charitable foundations. Further, the company offers equipment loan and lease products for construction equipment, new and pre-owned aircraft, auto and light trucks, and medium and heavy duty trucks; and finances construction equipment, aircrafts, medium and heavy duty trucks, step vans, vocational work trucks, motor coaches, shuttle buses, funeral cars, automobiles, and other equipment. Additionally, it provides corporate and personal property, casualty, and individual and group health and life insurance products and services. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana.
連絡先情報
100 North Michigan Street, South Bend, IN, 46601, United States
574-235-2000
www.1stsource.com
時価総額
$1.66B
PER (TTM)
10.5
14.4
配当利回り
2.3%
52週高値
$71.98
52週安値
$52.14
52週レンジ
79%
順位31Top 21.6%
5.0
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$150.52M+6.28%
直近4四半期の推移

EPS

$1.69+31.50%
直近4四半期の推移

フリーCF

$53.47M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Strong Net Income Growth Net income available to common shareholders reached $158.28M in 2025, up 19.4% from $132.62M in 2024; ROAA improved to 1.76%.
Net Interest Margin Expansion FTE Net Interest Margin grew 43 basis points to 4.07% in 2025, driven by higher loan yields and increased average loan balances.
Loan Portfolio Growth Total loans and leases increased 2.9% to $7.05B by year-end 2025, supported by strong growth in the Renewable Energy portfolio.
Credit Quality Improvement Net charge-offs decreased to $8.30M in 2025 from $13.73M in 2024; ALLL coverage ratio slightly increased to 2.30%.

リスク要因

Interest Rate Risk Exposure Fluctuations in market interest rates could negatively affect net interest spread and overall profitability if asset/liability sensitivities shift adversely.
Adverse Economic Conditions Deterioration in general economic conditions, inflation, and geopolitical instability could impair credit quality across various loan segments.
Subsidiary Dividend Reliance The company relies heavily on dividends from the Bank subsidiary; inability to pay dividends would severely impact liquidity and obligations.
Cybersecurity Threat Escalation Sophisticated external threats like hacking and ransomware pose risks to operations and reputation, requiring continuous investment in controls.

見通し

Guarded Economic Outlook Outlook remains guarded due to elevated interest rates, inflation, geopolitical uncertainty, and softening labor market conditions impacting borrowers.
Increased Regulatory Scrutiny Regulatory expectations are increasing with growth, particularly concerning complex operations, capital thresholds, and digital asset regulation changes.
Renewable Energy Portfolio Growth Continued positive momentum expected in Renewable Energy financing due to new clients and incentives from legislation like the Inflation Reduction Act.
Prudent Credit Loss Estimates Allowance determination relies on subjective forecasts; future loss estimates may vary considerably based on evolving geopolitical and economic risks.

同業比較

売上高 (TTM)

MBIN stock ticker logoMBIN
$1.36B
-5.9%
FRME stock ticker logoFRME
$1.05B
-0.3%
LOB stock ticker logoLOB
$1.04B
+12.0%

粗利益率 (最新四半期)

TCBK stock ticker logoTCBK
79.7%
+5.9pp
GABC stock ticker logoGABC
74.0%
+2.9pp
SRCE stock ticker logoSRCE
73.6%
+5.8pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
FRME$2.32B9.39.5%5.3%
MBIN$1.94B8.99.9%19.8%
STEL$1.81B17.76.3%0.4%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
0.9%
緩やかな成長
4四半期純利益CAGR
3.1%
収益性の緩やかな改善
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月16日
|
EPS:$1.63
|
売上高:$111.88M
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし