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Market Price

33.20 

0.40 1.2%

as of Oct 29 '20

52 Week Range:

26.72 53.42


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

1st Source Corporation operates as the holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance 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 loans, and 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 a range of 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 new and used aircraft, auto and light trucks, construction equipment, and medium and heavy duty trucks; and leases construction equipment, various types of trucks, vans, automobiles, motor coaches, shuttle buses, and other equipment. Additionally, it provides corporate and personal property, casualty, and individual and group health and life insurance products and services; and investment advisory services to trust and investment clients. As of December 31, 2019, the company operated through 80 banking centers in 17 counties in Indiana and Michigan, and Sarasota County in Florida. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 17.55
18.29
19.41
20.95
21.61
22.97
24.56
25.90
27.39
29.11
31.88
growth rate 4.2% 6.1% 7.9% 3.2% 6.3% 6.9% 5.5% 5.8% 6.3% 9.5%
Earnings BIT 31.52
60.48
73.79
75.68
83.94
91.31
95.24
95.96
108.91
growth rate 91.9% 22.0% 2.6% 10.9% 8.8% 4.3% 0.8% 13.5%
Avg.PE 20.37
16.56
12.74
10.81
14.14
12.94
14.26
21.23
19.68
14.46
14.43
growth rate -18.7% -23.1% -15.2% 30.8% -8.5% 10.2% 48.9% -7.3% -26.5% -0.2%
ROA 0.42
0.66
1.09
1.11
1.17
1.20
1.14
1.08
1.19
1.34
1.42
growth rate 57.1% 65.2% 1.8% 5.4% 2.6% -5.0% -5.3% 10.2% 12.6% 6.0%
ROE 4.15
6.23
9.54
9.17
9.48
9.56
9.05
8.72
9.71
11.06
11.50
growth rate 50.1% 53.1% -3.9% 3.4% 0.8% -5.3% -3.7% 11.4% 13.9% 4.0%
ROIC 12.93
10.78
11.44
10.16
9.11
8.45
growth rate -16.6% 6.1% -11.2% -10.3% -7.2%
Leverage 9.76
9.14
8.35
8.15
8.06
7.86
8.06
8.16
8.19
8.26
8.00
growth rate -6.4% -8.6% -2.4% -1.1% -2.5% 2.5% 1.2% 0.4% 0.9% -3.2%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Payable 77.93
68.72
52.57
3,802.86
4,139.19
4,333.76
4,752.73
5,122.32
5,357.33
growth rate -11.8% -23.5% 7,134.2% 8.8% 4.7% 9.7% 7.8% 4.6%
Cur.Assets 197.18
202.80
237.75
218.46
143.34
153.89
growth rate 2.9% 17.2% -8.1% -34.4% 7.4%
Total Assets 4,542.10
4,445.30
4,374.07
4,550.69
4,722.83
4,829.96
5,187.92
5,486.27
5,887.28
6,293.75
6,622.78
growth rate -2.1% -1.6% 4.0% 3.8% 2.3% 7.4% 5.8% 7.3% 6.9% 5.2%
Cash 72.90
62.30
997.46
964.84
912.94
66.19
79.72
108.30
78.03
99.08
83.37
growth rate -14.5% 1,501.1% -3.3% -5.4% -92.8% 20.4% 35.9% -28.0% 27.0% -15.9%
Inventory 6.89
7.66
10.08
11.43
6.97
9.15
growth rate 11.2% 31.5% 13.4% -39.0% 31.3%
Cur.Liabilities 4,098.77
4,426.74
4,680.13
5,039.53
5,399.98
5,622.61
growth rate 8.0% 5.7% 7.7% 7.2% 4.1%
Liabilities 3,971.80
3,958.90
3,850.15
3,992.04
4,137.45
4,215.49
4,543.86
4,813.62
5,168.75
5,530.16
5,774.14
growth rate -0.3% -2.8% 3.7% 3.6% 1.9% 7.8% 5.9% 7.4% 7.0% 4.4%
LT Debt 2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
99.32
98.76
113.90
109.88
113.35
112.43
growth rate 0.1% 0.1% 0.1% 0.1% -95.1% -0.6% 15.3% -3.5% 3.2% -0.8%
Equity 570.30
486.40
523.92
558.66
585.38
614.47
644.05
672.65
718.54
762.08
828.28
growth rate -14.7% 7.7% 6.6% 4.8% 5.0% 4.8% 4.4% 6.8% 6.1% 8.7%
Common Shares 27.00
27.00
24.00
27.00
27.00
26.00
26.00
26.00
26.00
26.00
26.00
growth rate 0.0% -11.1% 12.5% 0.0% -3.7% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 36.70
4.40
11.42
9.48
6.51
35.56
64.01
39.04
51.45
24.17
10.53
growth rate -88.0% 159.5% -17.0% -31.3% 446.4% 80.0% -39.0% 31.8% -53.0% -56.4%
Cash Dividends 19.00
20.60
15.92
16.52
17.05
17.64
18.13
19.42
20.43
25.69
29.02
growth rate 8.4% -22.7% 3.8% 3.2% 3.5% 2.7% 7.1% 5.2% 25.7% 13.0%
Cash From OA 51.90
111.30
124.41
93.19
87.05
72.35
100.61
98.06
139.70
159.70
164.61
growth rate 114.5% 11.8% -25.1% -6.6% -16.9% 39.1% -2.5% 42.5% 14.3% 3.1%
FCF per Share 0.57
3.33
6.69
3.22
3.01
2.26
1.65
1.76
2.80
3.37
4.73
growth rate 484.2% 100.9% -51.9% -6.5% -24.9% -27.0% 6.7% 59.1% 20.4% 40.4%
Sale Purchase of Stock -3.04
0.23
-2.11
0.20
0.15
0.12
0.15
growth rate 100.0% -100.0% 100.0% -24.4% -19.5% 27.5%
FCF 15.00
89.00
103.00
86.00
59.00
46.00
37.00
59.00
66.00
120.00
154.00
growth rate 493.3% 15.7% -16.5% -31.4% -22.0% -19.6% 59.5% 11.9% 81.8% 28.3%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 213.70
234.20
268.40
263.28
256.80
234.48
247.68
252.77
275.66
291.62
310.41
growth rate 9.6% 14.6% -1.9% -2.5% -8.7% 5.6% 2.1% 9.1% 5.8% 6.4%
Op.Income 31.50
60.50
48.20
49.63
54.96
89.20
92.79
93.87
107.03
111.43
125.35
growth rate 92.1% -20.3% 3.0% 10.7% 62.3% 4.0% 1.2% 14.0% 4.1% 12.5%
IBT 31.52
60.48
73.79
75.68
83.94
84.44
88.56
89.13
101.36
105.03
120.15
growth rate 91.9% 22.0% 2.6% 10.9% 0.6% 4.9% 0.6% 13.7% 3.6% 14.4%
Net Income 25.50
41.20
48.20
49.63
54.96
58.07
57.49
57.79
68.05
82.41
91.96
growth rate 61.6% 17.0% 3.0% 10.7% 5.7% -1.0% 0.5% 17.8% 21.1% 11.6%
EPS 0.72
1.10
1.96
1.84
2.03
2.17
2.17
2.22
2.60
3.16
3.57
growth rate 52.8% 78.2% -6.1% 10.3% 6.9% 0.0% 2.3% 17.1% 21.5% 13.0%
Gross Profit 234.48
247.68
252.77
275.66
291.62
310.41
growth rate 5.6% 2.1% 9.1% 5.8% 6.4%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Earnings BIT
growth rate
Balance Sheet Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Acct.Payable 5,391.68
5,357.33
5,275.91
5,993.46
5,896.86
growth rate -0.6% -1.5% 13.6% -1.6%
Cur.Assets 212.91
153.89
217.44
299.94
growth rate -27.7% 41.3% 37.9%
Total Assets 6,691.07
6,622.78
6,735.12
7,365.15
7,290.95
growth rate -1.0% 1.7% 9.4% -1.0%
Cash 127.49
83.37
122.30
180.24
growth rate -34.6% 46.7% 47.4%
Inventory 7.24
9.15
9.38
6.44
growth rate 26.3% 2.6% -31.4%
Cur.Liabilities 5,704.33
5,622.61
5,717.18
6,322.97
growth rate -1.4% 1.7% 10.6%
Liabilities 5,858.03
5,774.14
5,857.82
6,463.49
6,375.93
growth rate -1.4% 1.5% 10.3% -1.4%
LT Debt 130.28
112.43
140.64
140.52
growth rate -13.7% 25.1% -0.1%
Equity 813.17
828.28
850.90
865.00
877.75
growth rate 1.9% 2.7% 1.7% 1.5%
Common Shares 436.54
436.54
436.54
436.54
436.54
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 0.43
0.46
1.66
0.47
growth rate 7.2% 259.1% -71.9%
Cash Dividends 7.10
7.61
7.61
7.38
growth rate 7.2% 0.0% -3.1%
Cash From OA 27.25
81.37
33.31
11.05
growth rate 198.6% -59.1% -66.8%
Sale Purchase of Stock
growth rate
FCF 26.82
80.91
31.65
10.59
growth rate 201.6% -60.9% -66.6%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 79.24
77.88
68.11
69.41
growth rate -1.7% -12.6% 1.9%
Op.Income 33.09
29.97
22.63
26.03
growth rate -9.4% -24.5% 15.0%
IBT 32.14
28.58
21.58
24.04
26.56
growth rate -11.1% -24.5% 11.4% 10.5%
Net Income 24.44
21.94
16.41
18.50
20.06
growth rate -10.2% -25.2% 12.7% 8.4%
EPS
growth rate
Gross Profit 79.24
77.88
68.11
69.41
growth rate -1.7% -12.6% 1.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (72.02)

YOY Growth Grade:

D (48.80)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.96 10.48 14.35
EPS / Growth 12.6% 3.17 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 6.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.3% 9.7% 9.7%
Future PE 10.96 14.87 14.87
Future EPS 5.86 7.96 7.96
Value Price
MOS %
15.87
-52.2%
29.25
-11.9%
29.25
-11.9%
MOS Price 7.94 14.63 14.63
IRT 7.89 7.09 7.09

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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