1st Source (SRCE)
Market Price (5/13/2026): $72.23 | Market Cap: $1.8 BilSector: Financials | Industry: Regional Banks
1st Source (SRCE)
Market Price (5/13/2026): $72.23Market Cap: $1.8 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.2%, FCF Yield is 11% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -61% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 48%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 46% Low stock price volatilityVol 12M is 22% Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology. | Trading close to highsDist 52W High is -2.7%, Dist 3Y High is -2.7% | Key risksSRCE key risks include [1] elevated credit risk due to its significant concentration in commercial and commercial real estate loans. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.2%, FCF Yield is 11% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -61% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 48%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 46% |
| Low stock price volatilityVol 12M is 22% |
| Capital ratio is >2x the minimum of 6%Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 15% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Wealth Management Technology. |
| Trading close to highsDist 52W High is -2.7%, Dist 3Y High is -2.7% |
| Key risksSRCE key risks include [1] elevated credit risk due to its significant concentration in commercial and commercial real estate loans. |
Qualitative Assessment
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1. Record First Quarter 2026 Financial Performance: 1st Source reported record net income of $39.96 million for Q1 2026, a 6.49% increase compared to Q1 2025. Diluted net income per common share was $1.63, aligning with analyst consensus estimates. The company's revenue of $113.1 million for the quarter also exceeded market expectations by 0.9%. Furthermore, 1st Source's net interest margin (FTE) improved to 4.25% in Q1 2026, up from 3.90% in Q1 2025, demonstrating strong core profitability.
2. Enhanced Shareholder Returns Through Dividends and Share Repurchases: The company's Board of Directors approved an increase in the cash dividend to $0.43 per common share for Q1 2026, representing a 13.16% rise from the dividend declared a year prior. This marks the 38th consecutive year of increased dividends. Additionally, 1st Source demonstrated a significant commitment to capital return by repurchasing 338,356 shares for $23.35 million during the first quarter of 2026.
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Stock Movement Drivers
Fundamental Drivers
The 8.7% change in SRCE stock from 1/31/2026 to 5/12/2026 was primarily driven by a 5.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 1312026 | 5122026 | Change |
|---|---|---|---|
| Stock Price ($) | 66.54 | 72.30 | 8.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 421 | 443 | 5.2% |
| Net Income Margin (%) | 35.3% | 36.3% | 2.8% |
| P/E Multiple | 11.0 | 10.9 | -0.4% |
| Shares Outstanding (Mil) | 24 | 24 | 0.8% |
| Cumulative Contribution | 8.7% |
Market Drivers
1/31/2026 to 5/12/2026| Return | Correlation | |
|---|---|---|
| SRCE | 8.7% | |
| Market (SPY) | 7.0% | 34.7% |
| Sector (XLF) | -3.0% | 51.0% |
Fundamental Drivers
The 23.9% change in SRCE stock from 10/31/2025 to 5/12/2026 was primarily driven by a 13.6% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 5122026 | Change |
|---|---|---|---|
| Stock Price ($) | 58.35 | 72.30 | 23.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 421 | 443 | 5.2% |
| Net Income Margin (%) | 35.3% | 36.3% | 2.8% |
| P/E Multiple | 9.6 | 10.9 | 13.6% |
| Shares Outstanding (Mil) | 24 | 24 | 0.8% |
| Cumulative Contribution | 23.9% |
Market Drivers
10/31/2025 to 5/12/2026| Return | Correlation | |
|---|---|---|
| SRCE | 23.9% | |
| Market (SPY) | 8.8% | 27.7% |
| Sector (XLF) | -0.7% | 46.0% |
Fundamental Drivers
The 24.4% change in SRCE stock from 4/30/2025 to 5/12/2026 was primarily driven by a 11.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 4302025 | 5122026 | Change |
|---|---|---|---|
| Stock Price ($) | 58.12 | 72.30 | 24.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 397 | 443 | 11.5% |
| Net Income Margin (%) | 35.4% | 36.3% | 2.4% |
| P/E Multiple | 10.1 | 10.9 | 7.7% |
| Shares Outstanding (Mil) | 25 | 24 | 1.1% |
| Cumulative Contribution | 24.4% |
Market Drivers
4/30/2025 to 5/12/2026| Return | Correlation | |
|---|---|---|
| SRCE | 24.4% | |
| Market (SPY) | 34.6% | 40.9% |
| Sector (XLF) | 7.4% | 56.9% |
Fundamental Drivers
The 88.6% change in SRCE stock from 4/30/2023 to 5/12/2026 was primarily driven by a 43.4% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5122026 | Change |
|---|---|---|---|
| Stock Price ($) | 38.33 | 72.30 | 88.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 365 | 443 | 21.4% |
| Net Income Margin (%) | 34.1% | 36.3% | 6.6% |
| P/E Multiple | 7.6 | 10.9 | 43.4% |
| Shares Outstanding (Mil) | 25 | 24 | 1.7% |
| Cumulative Contribution | 88.6% |
Market Drivers
4/30/2023 to 5/12/2026| Return | Correlation | |
|---|---|---|
| SRCE | 88.6% | |
| Market (SPY) | 84.4% | 41.7% |
| Sector (XLF) | 63.2% | 60.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| SRCE Return | 26% | 10% | 6% | 9% | 10% | 18% | 108% |
| Peers Return | 29% | -28% | 25% | 8% | 29% | -0% | 62% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| SRCE Win Rate | 67% | 33% | 50% | 42% | 67% | 80% | |
| Peers Win Rate | 44% | 50% | 56% | 50% | 65% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| SRCE Max Drawdown | -2% | -12% | -23% | -13% | -8% | -0% | |
| Peers Max Drawdown | -6% | -35% | -27% | -14% | -13% | -15% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/12/2026 (YTD)
How Low Can It Go
| Event | SRCE | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -18.8% | -18.8% |
| % Gain to Breakeven | 23.1% | 23.1% |
| Time to Breakeven | 80 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -10.4% | -9.5% |
| % Gain to Breakeven | 11.6% | 10.5% |
| Time to Breakeven | 36 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -19.0% | -6.7% |
| % Gain to Breakeven | 23.5% | 7.1% |
| Time to Breakeven | 194 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -13.1% | -24.5% |
| % Gain to Breakeven | 15.1% | 32.4% |
| Time to Breakeven | 101 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.5% | -33.7% |
| % Gain to Breakeven | 73.8% | 50.9% |
| Time to Breakeven | 338 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -26.3% | -19.2% |
| % Gain to Breakeven | 35.6% | 23.7% |
| Time to Breakeven | 308 days | 105 days |
In The Past
1st Source's stock fell -18.8% during the 2025 US Tariff Shock. Such a loss loss requires a 23.1% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | SRCE | S&P 500 |
|---|---|---|
| 2020 COVID-19 Crash | ||
| % Loss | -42.5% | -33.7% |
| % Gain to Breakeven | 73.8% | 50.9% |
| Time to Breakeven | 338 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -26.3% | -19.2% |
| % Gain to Breakeven | 35.6% | 23.7% |
| Time to Breakeven | 308 days | 105 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -22.9% | -53.4% |
| % Gain to Breakeven | 29.8% | 114.4% |
| Time to Breakeven | 8 days | 1085 days |
| Summer 2007 Credit Crunch | ||
| % Loss | -26.8% | -8.6% |
| % Gain to Breakeven | 36.7% | 9.5% |
| Time to Breakeven | 397 days | 47 days |
In The Past
1st Source's stock fell -18.8% during the 2025 US Tariff Shock. Such a loss loss requires a 23.1% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About 1st Source (SRCE)
AI Analysis | Feedback
Here are 1-3 brief analogies for 1st Source (SRCE):
- A smaller, regional version of PNC Financial Services.
- Like U.S. Bank, but primarily focused on Indiana, Michigan, and Florida.
AI Analysis | Feedback
```html- Consumer Banking Services: Provides checking and savings accounts, certificates of deposit, individual retirement accounts, consumer loans, and mortgage loans for individual clients.
- Commercial and Business Banking Services: Offers commercial, small business, and agricultural loans, real estate loans, commercial leasing, and treasury management services to businesses.
- Specialized Equipment Financing: Delivers loans and lease products specifically for construction equipment, aircraft, various types of trucks, motor coaches, and other vehicles.
- Wealth Management and Trust Services: Administers estates and personal trusts, and manages investment accounts for individuals, employee benefit plans, and charitable foundations.
- Insurance Products: Sells corporate and personal property, casualty, individual, and group health and life insurance products.
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Major Customers of 1st Source (SRCE)
1st Source (SRCE) serves a diverse client base, including both individuals and businesses. Based on the comprehensive description of its consumer banking services, alongside its commercial offerings, a significant portion of its services caters directly to individuals. As the company's description does not list specific business customers, and it provides extensive personal financial services, it is appropriate to describe its major individual customer categories.
Categories of Individual Customers:
- General Consumers: This category includes individuals utilizing fundamental banking services such as checking and savings accounts, certificates of deposit, individual retirement accounts, debit and credit cards, and online/mobile banking products. It also covers those seeking general consumer loans.
- Homeowners and Real Estate Purchasers: Individuals who require financing for residential properties, including real estate mortgage loans and home equity lines of credit, represent a significant customer group for the bank.
- Wealth Management and Trust Clients: This segment comprises individuals and families who leverage 1st Source for financial planning, investment account management, administration of estates and personal trusts, and other comprehensive wealth advisory services.
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Andrea G. Short, Chief Executive Officer and President
Andrea G. Short became President and Chief Executive Officer of 1st Source Corporation in 2025. She has over 40 years of banking and business experience, with 26 years at 1st Source. Prior to her current role, she served as President of 1st Source Corporation since 2024 and CEO of 1st Source Bank since 2022. She also held the position of Executive Vice President, Treasurer, and Chief Financial Officer of the Company and Bank from 2013. Before joining 1st Source, Ms. Short worked at Crowe LLP and First of America Bank (now PNC).
Brett A. Bauer, Executive Vice President, Treasurer, and Chief Financial Officer
Brett A. Bauer serves as the Executive Vice President, Treasurer, and Chief Financial Officer for 1st Source Corporation and 1st Source Bank. He is responsible for the finance and accounting functions, business financial analysis, asset and liability management, wholesale and corporate funding, capital management, investor relations, loan review, and risk management. Mr. Bauer began his career at 1st Source as a Corporate Trainee in 1999 and became a Trust Investment Analyst in 2000. From 2002 to 2006, he worked for Bear Stearns Japan LTD before rejoining 1st Source. He was promoted to his current CFO and Treasurer role in July 2021.
Christopher J. Murphy III, Executive Chairman
Christopher J. Murphy III is the Executive Chairman of 1st Source Corporation and 1st Source Bank, a position he assumed in 2025. He previously served as Chairman of the Board, President, and Chief Executive Officer. Mr. Murphy has over 52 years of banking and business experience, having served as a Director and/or President and Chief Executive Officer of 1st Source Corporation or 1st Source Bank for 52 years. In 1972, he joined his father-in-law and other investors to acquire the bank in South Bend. He was named President and CEO of the bank in 1977, CEO of the corporation in 1979, and Chairman in 1998. Before joining 1st Source, he worked at Citibank and for the Office of the Comptroller of the Currency, U.S. Department of the Treasury. He is credited with growing 1st Source Bank from over US$100 million in assets at the time of its community acquisition to US$8 billion today.
Kevin C. Murphy, Executive Vice President, 1st Source Corporation and President, 1st Source Bank
Kevin C. Murphy is an Executive Vice President of 1st Source Corporation and the President of 1st Source Bank, a role he assumed effective October 1, 2025. He represents the fourth generation of family leadership. Prior to this, he was Chief Digital Officer and Executive Vice President. Since officially joining the bank in 2006, Mr. Murphy has held various management roles across different areas, including IT, community banking, and digital strategy.
Jeffrey L. Buhr, Executive Vice President and Chief Credit Officer, 1st Source Bank
Jeffrey L. Buhr holds the position of Executive Vice President and Chief Credit Officer for 1st Source Bank. He began his career at 1st Source in 2001 as Vice President and Senior Credit Administrator. He was subsequently promoted to Senior Vice President in 2002 and then to Chief Credit Officer in 2009.
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The key risks to 1st Source Corporation (SRCE) are primarily centered around its operations as a regional bank, including its reliance on technology, interest rate environment, and loan portfolio quality.- Cybersecurity Threats: As a financial institution providing online and mobile banking services, 1st Source Corporation faces significant and evolving cybersecurity risks. The increasing sophistication of cyberattacks, coupled with the financial industry's reliance on technology, heightens the potential for data breaches, operational disruptions, and reputational damage. Community banks, in particular, may have fewer resources than larger institutions to combat these advanced threats, making robust security systems and continuous monitoring crucial.
- Net Interest Margin Pressure and Intense Competition: 1st Source Corporation's profitability, like other regional banks, is highly sensitive to changes in interest rates and faces intense competition. The banking sector is highly competitive, with pressure from larger banks, credit unions, and non-bank financial service providers. Regional banks can experience challenges when deposit costs remain stubbornly high while lending rates may fall, leading to a squeeze on net interest margins. This "deposit paradox" and the broader economic environment can significantly impact net interest income, which is a primary driver of bank profitability.
- Credit Risk: Given 1st Source Corporation's extensive lending activities, which include commercial, small business, agricultural, real estate, and specialty equipment loans, credit risk is an inherent and significant concern. Credit risk is the potential for losses if borrowers default on their loans or fail to make timely payments. Community banks often have a higher concentration of loans to small businesses and individuals, which can increase their exposure. The company's loan portfolio is heavily weighted towards commercial loans (approximately 80%), making it particularly vulnerable to economic downturns or sector-specific challenges that could affect its commercial borrowers.
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- The proliferation of digital-only banks (neobanks and fintechs) that offer consumer and small business banking services with lower overhead, superior digital user experiences, and often more competitive rates, directly challenging 1st Source's traditional, branch-based banking model for deposits, consumer loans, and small business banking.
- The growth of robo-advisors and other low-cost online investment platforms that provide automated and accessible wealth management services, competing directly with 1st Source's trust and wealth advisory services, particularly for individual investment accounts.
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1st Source (SRCE) operates within several addressable markets in the financial services industry, including commercial banking, consumer banking, wealth management and trust services, and insurance products, primarily within the U.S. region. For equipment loans and leases, their market is also within the U.S.
Addressable Markets:
- Commercial Banking Services: The U.S. commercial banking market size is estimated at USD 226.44 billion in 2024, with projections to reach USD 269.28 billion by 2029.
- Consumer Banking Services: The U.S. retail banking market generated a revenue of USD 454.3 billion in 2024, and is expected to reach USD 678.3 billion by 2033.
- Wealth Management Services: The U.S. wealth management market is considered "extraordinarily vast." Specifically, the U.S. market for wealth management platforms is projected to reach USD 0.6 billion by 2026.
- Trust Services: The global custody and trust services market was valued at USD 6.29 billion in 2026. More broadly, the global trust and corporate service market was valued at US$ 13.86 billion in 2024 and is expected to reach US$ 20.05 billion by 2033.
- Insurance Products: The U.S. insurance market size was USD 3.7 trillion in 2024, and is projected to grow to USD 9.1 trillion by 2032.
- Equipment Loan and Lease Products: The equipment finance industry in the United States expanded to an estimated $1.34 trillion in 2023. Approximately 57.7% of the $2.3 trillion invested by U.S. businesses, nonprofits, and government agencies in plant, equipment, and software in 2023 was financed through loans, leases, and lines of credit.
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Expected Drivers of Future Revenue Growth for 1st Source (SRCE)
1st Source Corporation (SRCE) is anticipated to drive future revenue growth over the next 2-3 years through a combination of traditional banking expansion and strategic initiatives:
- Growth in Loans and Leases: The company has demonstrated consistent growth in its average loans and leases, which directly contributes to its interest income and overall revenue. Average loans and leases increased by 5.10% in 2025, reaching $6.93 billion, and this trend is expected to continue.
- Expansion of Net Interest Margin: Improving net interest income and expanding net interest margin are key factors in the company's profitability and revenue generation. The tax-equivalent net interest margin for 2025 was 4.07%, an increase of 43 basis points from the previous year, with a further expansion to 4.29% in the fourth quarter. This margin strength is a key buffer for future growth.
- Deposit Growth: An increase in average deposits enhances the bank's funding capacity for lending activities and supports overall financial health. Average deposits for 1st Source grew by 3.70% to $7.38 billion in 2025.
- Strategic Initiatives and Technology Enhancements: The launch of new digital platforms, such as the "Online & Mobile Banking for Business" platform, aims to provide small business owners with convenient banking solutions. Such technological advancements can attract and retain clients, thereby expanding the customer base and generating additional revenue. Management also emphasizes strategic leadership transitions to sustain long-term growth.
- Specialized Financing Solutions: 1st Source's focus on providing equipment loan and lease products for niche markets, including construction equipment, aircraft, auto and light trucks, and medium and heavy-duty trucks, represents a specialized area of growth. Continued penetration and expansion within these sectors are expected to contribute to future revenue.
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Share Repurchases
Information on the specific dollar amount of share repurchases made by 1st Source (SRCE) and any future authorized amounts over the last 3-5 years is not readily available in the provided search results.
Share Issuance
As of December 31, 2025, 1st Source had 24,330,147 shares in issue. In February 2026, a director of 1st Source, Melody Birmingham, purchased 51.129 shares at a price of $69.14 per share, using cash dividends received.
Outbound Investments
In 2025, 1st Source reported partnership investment gains related to the sale of renewable energy tax equity investments. During the fourth quarter of 2025, the company experienced a write-down of $0.77 million on a small business capital investment. 1st Source's Renewable Energy Financing Division provides construction loans, permanent loans, and tax equity investments for community solar, commercial & industrial, small utility scale, university, and municipal solar projects, with a focus on the Northeast and Midwest United States.
Capital Expenditures
Specific dollar values for 1st Source's capital expenditures over the last 3-5 years were not found in the provided search results.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can 1st Source Stock Really Go? | 10/17/2025 | |
| Why 1st Source Stock Moved: SRCE Stock Has Gained 47% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues | 08/08/2025 | |
| 1st Source (SRCE) Valuation Ratios Comparison | 08/08/2025 | |
| SRCE Dip Buy Analysis | 07/10/2025 | |
| Time To Buy 1st Source Stock? | 05/16/2025 | |
| 1st Source (SRCE) Operating Cash Flow Comparison | 02/17/2025 | |
| 1st Source (SRCE) Net Income Comparison | 02/16/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 20.57 |
| Mkt Cap | 1.4 |
| Rev LTM | 3,152 |
| Op Inc LTM | - |
| FCF LTM | 169 |
| FCF 3Y Avg | 196 |
| CFO LTM | 277 |
| CFO 3Y Avg | 206 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.9% |
| Rev Chg 3Y Avg | 6.8% |
| Rev Chg Q | 17.8% |
| QoQ Delta Rev Chg LTM | 4.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 27.7% |
| CFO/Rev 3Y Avg | 31.4% |
| FCF/Rev LTM | 22.5% |
| FCF/Rev 3Y Avg | 28.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.4 |
| P/S | 3.8 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.2 |
| P/CFO | 9.6 |
| Total Yield | 11.6% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 9.4% |
| D/E | 0.3 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -1.5% |
| 3M Rtn | -5.7% |
| 6M Rtn | 17.1% |
| 12M Rtn | 21.6% |
| 3Y Rtn | 83.2% |
| 1M Excs Rtn | -9.5% |
| 3M Excs Rtn | -12.3% |
| 6M Excs Rtn | 7.9% |
| 12M Excs Rtn | -2.8% |
| 3Y Excs Rtn | -0.7% |
Price Behavior
| Market Price | $72.30 | |
| Market Cap ($ Bil) | 1.8 | |
| First Trading Date | 09/03/1996 | |
| Distance from 52W High | -2.7% | |
| 50 Days | 200 Days | |
| DMA Price | $70.58 | $64.53 |
| DMA Trend | up | up |
| Distance from DMA | 2.4% | 12.0% |
| 3M | 1YR | |
| Volatility | 20.2% | 21.8% |
| Downside Capture | 72.26 | 63.64 |
| Upside Capture | 70.75 | 64.47 |
| Correlation (SPY) | 38.2% | 40.0% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.65 | 0.46 | 0.44 | 0.39 | 0.72 | 0.76 |
| Up Beta | 0.45 | 0.51 | 0.45 | 0.60 | 1.09 | 0.77 |
| Down Beta | 2.88 | 0.32 | 0.14 | -0.03 | 0.47 | 0.73 |
| Up Capture | 67% | 67% | 74% | 69% | 58% | 58% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 16 | 27 | 41 | 71 | 129 | 376 |
| Down Capture | 156% | 22% | 27% | 22% | 68% | 90% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 6 | 16 | 23 | 54 | 122 | 373 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SRCE | |
|---|---|---|---|---|
| SRCE | 21.5% | 21.9% | 0.80 | - |
| Sector ETF (XLF) | 5.1% | 14.6% | 0.12 | 56.1% |
| Equity (SPY) | 32.5% | 12.4% | 1.98 | 39.9% |
| Gold (GLD) | 41.3% | 26.9% | 1.26 | -8.6% |
| Commodities (DBC) | 50.3% | 18.5% | 2.06 | -20.9% |
| Real Estate (VNQ) | 12.8% | 13.5% | 0.65 | 40.2% |
| Bitcoin (BTCUSD) | -21.0% | 41.7% | -0.46 | 15.2% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SRCE | |
|---|---|---|---|---|
| SRCE | 11.5% | 27.6% | 0.40 | - |
| Sector ETF (XLF) | 8.7% | 18.6% | 0.35 | 61.2% |
| Equity (SPY) | 13.7% | 17.1% | 0.63 | 43.7% |
| Gold (GLD) | 21.0% | 17.9% | 0.95 | -0.1% |
| Commodities (DBC) | 11.4% | 19.4% | 0.47 | 6.5% |
| Real Estate (VNQ) | 3.9% | 18.8% | 0.11 | 44.9% |
| Bitcoin (BTCUSD) | 7.2% | 55.9% | 0.34 | 18.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with SRCE | |
|---|---|---|---|---|
| SRCE | 10.4% | 30.5% | 0.38 | - |
| Sector ETF (XLF) | 12.7% | 22.1% | 0.53 | 72.5% |
| Equity (SPY) | 15.5% | 17.9% | 0.74 | 54.1% |
| Gold (GLD) | 13.4% | 15.9% | 0.70 | -6.3% |
| Commodities (DBC) | 8.4% | 17.9% | 0.39 | 17.2% |
| Real Estate (VNQ) | 5.6% | 20.7% | 0.24 | 50.7% |
| Bitcoin (BTCUSD) | 68.2% | 66.8% | 1.07 | 13.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.0% | -0.8% | |
| 1/23/2026 | -2.0% | -2.4% | 1.3% |
| 10/23/2025 | 3.6% | 1.2% | 6.2% |
| 7/24/2025 | -1.8% | -3.5% | 4.0% |
| 4/24/2025 | 3.2% | 5.3% | 6.9% |
| 1/23/2025 | -0.0% | 9.2% | 12.4% |
| 10/24/2024 | -3.4% | -0.4% | 12.1% |
| 7/25/2024 | 4.9% | 0.2% | -1.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 11 | 15 |
| # Negative | 11 | 13 | 8 |
| Median Positive | 2.6% | 5.3% | 8.1% |
| Median Negative | -1.8% | -3.0% | -1.3% |
| Max Positive | 12.1% | 16.6% | 16.7% |
| Max Negative | -8.0% | -5.5% | -6.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 04/23/2026 | 10-Q |
| 12/31/2025 | 02/17/2026 | 10-K |
| 09/30/2025 | 10/23/2025 | 10-Q |
| 06/30/2025 | 07/24/2025 | 10-Q |
| 03/31/2025 | 04/24/2025 | 10-Q |
| 12/31/2024 | 02/18/2025 | 10-K |
| 09/30/2024 | 10/24/2024 | 10-Q |
| 06/30/2024 | 07/25/2024 | 10-Q |
| 03/31/2024 | 04/25/2024 | 10-Q |
| 12/31/2023 | 02/20/2024 | 10-K |
| 09/30/2023 | 10/19/2023 | 10-Q |
| 06/30/2023 | 07/20/2023 | 10-Q |
| 03/31/2023 | 04/20/2023 | 10-Q |
| 12/31/2022 | 02/16/2023 | 10-K |
| 09/30/2022 | 10/20/2022 | 10-Q |
| 06/30/2022 | 07/21/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Birmingham, Melody | Direct | Buy | 3102026 | 69.14 | 51 | 3,535 | 631,894 | Form | |
| 2 | Birmingham, Melody | Direct | Buy | 3102026 | 61.71 | 57 | 3,513 | 560,834 | Form | |
| 3 | Birmingham, Melody | Direct | Buy | 3102026 | 61.31 | 54 | 3,316 | 553,709 | Form | |
| 4 | Birmingham, Melody | Direct | Buy | 3102026 | 62.42 | 53 | 3,296 | 560,357 | Form | |
| 5 | Birmingham, Melody | Direct | Buy | 3102026 | 66.41 | 47 | 3,106 | 592,669 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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