1ST SOURCE CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
SRCE on Nasdaq
Location
South Bend, IN
Fiscal year end
31 December
Latest financial report
17 Feb 2026

Quick Takeaways

  • SRCE - 1ST SOURCE CORP financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 3%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-71%</span>.
  • Most recent SEC facts end date: 13 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-13) highlights Return On Equity 3.0%, Return On Assets 0.4%, and Debt-to-equity 7.34x.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

19.3/100

Weak Confidence low

Return On Equity

3%

Metric score 0.0/100

Return On Assets

0.36%

Metric score 0.0/100

Financial Health

Debt to Equity
7.34x

Strengths

NetIncomeLoss YoY

Watchpoints

Return On Equity, Return On Assets, and Debt-to-equity

Key metrics snapshot

Return On Equity

3%

YoY: -71%

Industry median: 10% (n=208)

View history

Return On Assets

0.36%

YoY: -71%

Industry median: 0.97% (n=208)

View history

Debt-to-equity

7.34x

YoY: +1.8%

Industry median: 8.4x (n=193)

View history

NetIncomeLoss YoY

16%

YoY:

Industry median: 16% (n=199)

View history

Profitability

Metric Latest value YoY change
Return On Equity 3% -71%
Return On Assets 0.36% -71%

Financial Health

Metric Latest value YoY change
Debt-to-equity 7.34x +1.8%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 16%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 24,330,147 -0.91%
Common Stock, Value, Issued $436,538,000 0%
Weighted Average Number of Shares Outstanding, Basic 24,487,374 -0.04%
Weighted Average Number of Shares Outstanding, Diluted 24,487,374 -0.04%

Additional Metrics

Metric Latest value YoY change
Income Tax Expense (Benefit) $46,118,000 +20%
Earnings Per Share, Basic 6.41 +20%
Earnings Per Share, Diluted 6.41 +20%
Property, Plant and Equipment, Net $58,318,000 +9.1%
Operating Lease, Right-of-Use Asset $20,130,000 -4.5%
Goodwill $83,900,000 0%
Assets $9,055,270,000 +1.4%
Liabilities $7,737,180,000 -0.17%
Retained Earnings (Accumulated Deficit) $1,015,160,000 +14%
Stockholders' Equity Attributable to Parent $1,274,971,000 +15%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,318,090,000 +12%
Liabilities and Equity $9,055,270,000 +1.4%
Common Stock, Shares Authorized 40,000,000 0%
Common Stock, Shares, Issued 28,205,674 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $119,857,000 -4%
Deferred Tax Assets, Valuation Allowance $0
Deferred Tax Assets, Gross $66,161,000 -8.7%
Operating Lease, Liability $16,566,000 -8.7%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $210,732,000 +39%
Lessee, Operating Lease, Liability, to be Paid $20,640,000 -6.1%
Property, Plant and Equipment, Gross $137,771,000 +5.1%
Lessee, Operating Lease, Liability, to be Paid, Year Two $3,270,000 -12%
Lessee, Operating Lease, Liability, to be Paid, Year One $3,967,000 -7.1%
Operating Lease, Weighted Average Discount Rate, Percent 0.0446 +2.8%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $4,074,000 +6.3%
Lessee, Operating Lease, Liability, to be Paid, Year Three $1,999,000 -34%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 10,000,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $1,887,000 +5.8%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY