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1st Source (SRCE) Financials

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

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 33 31 31 32 33 28 29 37 35 31
Consolidated Net Income / (Loss)		 33 31 31 32 33 28 29 37 35 31
Net Income / (Loss) Continuing Operations		 33 31 31 32 33 28 29 37 35 31
Total Pre-Tax Income 		42 41 40 42 43 37 38 48 45 40
Total Revenue		 91 95 93 91 94 91 94 97 98 98
Net Interest Income / (Expense)		 69 71 70 69 69 71 72 74 75 79
Total Interest Income		 76 87 94 101 107 115 116 121 123 123
Loans and Leases Interest Income		 69 79 87 93 100 107 109 113 115 114
Investment Securities Interest Income		 7.03 7.39 7.13 6.28 6.24 6.30 6.34 6.15 6.37 7.90
Other Interest Income		 0.42 0.63 0.64 0.98 0.88 1.17 0.93 1.91 1.66 1.43
Total Interest Expense		 7.54 16 25 32 38 43 45 47 48 44
Deposits Interest Expense		 6.56 13 21 29 34 39 40 43 44 40
Short-Term Borrowings Interest Expense		 0.38 1.07 1.39 1.63 2.14 1.88 3.10 2.16 1.51 2.21
Long-Term Debt Interest Expense		 -0.30 1.02 1.22 0.52 0.49 1.67 0.65 0.81 1.40 0.32
Federal Funds Purchased and Securities Sold Interest Expense		 0.90 0.97 1.02 1.03 1.06 1.07 1.06 1.06 1.05 1.04
Total Non-Interest Income		 22 23 23 23 24 20 22 23 22 18
Service Charges on Deposit Accounts		 13 13 13 14 13 14 14 15 14 15
Other Service Charges		 5.02 6.64 6.87 5.23 8.06 6.64 5.98 5.84 5.86 5.77
Net Realized & Unrealized Capital Gains on Investments		 0.00 -0.18 -0.04 0.00 0.00 -2.88 0.00 0.00 0.00 -3.89
Other Non-Interest Income		 3.63 3.38 3.31 3.25 3.07 2.68 2.62 2.54 2.18 2.04
Provision for Credit Losses		 3.17 5.34 3.05 0.05 0.86 1.91 6.60 0.06 3.11 2.71
Total Non-Interest Expense		 45 48 49 49 50 53 50 49 49 55
Salaries and Employee Benefits		 26 28 29 28 29 30 30 29 31 32
Net Occupancy & Equipment Expense		 9.76 10 10 10 10 11 11 11 12 12
Marketing Expense		 1.42 1.47 1.97 1.65 1.20 2.34 1.74 2.03 1.67 1.44
Property & Liability Insurance Claims		 0.94 0.94 1.36 1.34 1.60 1.62 1.66 1.63 1.42 1.44
Other Operating Expenses		 4.60 5.99 5.38 5.70 6.46 6.60 4.68 4.72 2.66 7.43
Depreciation Expense		 2.23 2.11 2.02 1.88 1.67 1.52 1.29 1.00 0.91 0.88
Income Tax Expense		 9.70 9.96 9.29 9.63 9.73 8.11 8.43 11 10 8.62
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.01 -0.01 0.01 0.01 0.00 -0.01 0.01 0.01 -0.02 -0.00
Basic Earnings per Share		 $1.32 $1.24 $1.25 $1.30 $1.32 $1.16 $1.19 $1.49 $1.41 $1.27
Weighted Average Basic Shares Outstanding		 24.66M 24.70M 24.69M 24.69M 24.66M 24.46M 24.46M 24.50M 24.51M 24.55M
Diluted Earnings per Share		 $1.32 $1.24 $1.25 $1.30 $1.32 $1.16 $1.19 $1.49 $1.41 $1.27
Weighted Average Diluted Shares Outstanding		 24.66M 24.70M 24.69M 24.69M 24.66M 24.46M 24.46M 24.50M 24.51M 24.55M
Weighted Average Basic & Diluted Shares Outstanding		 24.66M 24.70M 24.70M 24.69M 24.43M 24.46M 24.49M 24.51M 24.52M 24.55M
Cash Dividends to Common per Share		 $0.32 $0.32 $0.32 $0.32 $0.32 $0.34 $0.34 $0.34 $0.36 $0.36

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

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

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

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

Annual Metrics and Ratios for 1st Source

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

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

Quarterly Metrics and Ratios for 1st Source

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

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

Frequently Asked Questions About 1st Source's Financials

When does 1st Source's financial year end?

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

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 4/16/2025 by MarketBeat.com Staff
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