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1st Source Corporation

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
$1.71B
PER (TTM)
10.8
14.8
配当利回り
2.2%
52週高値
$71.00
52週安値
$52.14
52週レンジ
94%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Net Income Growth Nine-month net income reached $117.14M, a 15.7% increase year-over-year; Return on average assets improved to 1.75%.
NIM Expansion Driven by Rates FTE Net Interest Margin expanded 41 basis points to 4.00% for nine months, due to higher asset yields and lower funding costs.
Loan Portfolio Growth Total loans grew 1.60% to $6.96B since year-end, led by increases in Renewable Energy and Residential Real Estate portfolios.
Robust Capital Position CET1 ratio remains strong at 15.18% for the Corporation, significantly exceeding the 6.50% minimum regulatory requirement.

リスク要因

Nonperforming Asset Spike Nonperforming assets surged 101.67% from year-end to $63.19M, primarily driven by transfers to nonaccrual status in Auto/Light Truck.
Rising Credit Provisioning Nine-month provision for credit losses increased to $11.85M, reflecting management's assessment of higher expected losses in certain segments.
Economic Uncertainty Persists Management remains cautious due to ongoing risks including geopolitical instability, trade policy uncertainty, and elevated inflation.
Deposit Cost Competition Rate competition for deposits continued across the footprint, although total deposits still grew 2.49% year-to-date to $7.41B.

見通し

Cautious Forward Economic View Forecast reflects uncertain economic growth and continued weighting towards downside risks over the next two years due to macro factors.
Credit Quality Monitoring Focus Close monitoring of auto/truck and commercial/agricultural portfolios for delinquency trends; qualitative adjustments made for consumer weakness.
Liquidity Strategy Maintained Prudent liquidity strategies support $3.48B in available liquidity, covering approximately 50% of total deposits net of brokered sources.
New Accounting Assessment The Company is currently assessing the impact of new FASB standards, specifically ASU 2025-05 regarding credit loss measurement.

同業比較

売上高 (TTM)

Merchants BancorpMBIN
$1.36B
-5.9%
First Merchants CorporationFRME
$1.05B
-0.3%
Live Oak Bancshares, Inc.LOB
$1.04B
+12.0%

粗利益率 (最新四半期)

TriCo BancsharesTCBK
79.7%
+5.9pp
German American Bancorp, Inc.GABC
74.0%
+2.9pp
1st Source CorporationSRCE
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$2.63B10.69.5%5.3%
MBIN$2.17B9.99.9%19.8%
STEL$2.01B19.56.3%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月23日|
    売上高: $152.79M+4.9%
    |
    EPS: $1.71+21.3%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年7月24日|
    売上高: $150.27M+4.1%
    |
    EPS: $1.51+1.3%
    予想通り
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年4月24日|
    売上高: $146.41M+5.6%
    |
    EPS: $1.52+27.7%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月18日|
    売上高: $570.32M+12.4%
    |
    EPS: $5.36+6.6%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年10月24日|
    売上高: $145.68M+10.5%
    |
    EPS: $1.41+6.8%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年7月25日|
    売上高: $144.39M+17.1%
    |
    EPS: $1.49+14.6%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年4月25日|
    売上高: $138.62M+17.7%
    |
    EPS: $1.19-4.8%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月20日|
    売上高: $507.53M+31.8%
    |
    EPS: $5.03+3.9%
    予想通り