| Company Name: | 1st Source Corporation | | Ticker Symbol: | SRCE | | | WWW Address: | www.1stsource.com | | CEO: | Christopher J. Murphy, III | | No. of Employees: | 1,280 | | Common Issue Type: | CS | | Business Description: | A bank holding company, which through its subsidiaries, offers an array of financial products and services.
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| | | Industry Information: | BANKING - Regional - Midwest Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 14.69 |  0.39 | 14.0 | 15.31 | 14.59 | 14.42 | 14.11 | 23630 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 354.0 | 24.1 | 0.40 | 1.37 | 0.58 | 12.9 | 4.5 | 23.92 - 12.61 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 14.30 | $ | | PE Ratio - LTM | 12.9 | |
| Market Capitalisation | 345.2 | mil |
| Latest Shares Outstanding | 24.1 | mil |
| Earnings pS (EPS) | 1.37 | $ |
| Dividend pS (DPS) | 0.58 | ¢ |
| Dividend Yield | 4.5 | % |
| Dividend Payout Ratio | 42 | % |
| Revenue per Employee | 249,462 | $ |
| Effective Tax Rate | 28.0 | % |
| Float | 20.1 | mil |
| Float as % of Shares Outstanding | 83.1 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 40.0 | % |
| Pre-Tax Profit Margin | 13.6 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.7 | % |
| Return on Equity (ROE) | 6.7 | % |
| Return on Capital Invested (ROCI) | 4.6 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 9.4 | |
| Interest Cover | 1.5 | |
| Total Debt/Equity (Gearing Ratio) | 0.29 | |
| LT Debt/Total Capital | 16.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 19.46 | $ |
| Tangible Book-Value pS | 15.70 | $ |
| Cash Flow pS | 1.11 | $ |
| Free Cash Flow pS | 2.31 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.73 | |
| Price/Tangible Book Ratio | 0.91 | |
| Price/Cash Flow | 12.8 | |
| Price/Free Cash Flow | 6.2 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/22/2009 |
| Dividend Ex-Date | 11/03/2009 |
| Dividend Record Date | 11/05/2009 |
| Dividend Pay Date | 11/15/2009 |
| Dividend Amount | 160 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.64 |
| Current Dividend Yield | 4.5 |
| 5-Y Average Dividend Yield | 2.3 |
| Payout Ratio | 42.0 |
| 5-Y Average Payout Ratio | 37.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.3 | 101 | 242 | 1,211 |
| 4 Weeks | 15.14 | 13.86 | 14.95 | -4.3 | 95 | 254 | 5,086 |
| 13 Weeks | 17.10 | 13.86 | 17.05 | -16.1 | 79 | 280 | 17,918 |
| 26 Weeks | 19.70 | 13.86 | 17.01 | -15.9 | 68 | 328 | 41,704 |
| 52 Weeks | 23.92 | 12.61 | 20.01 | -28.5 | 52 | 380 | 95,502 |
| YTD | 23.92 | 13.86 | - | -39.5 | 50 | 341 | 76,729 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 14.49 | 14.32 | 15.17 | 16.56 | 17.11 | 0.40 | 0.36 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 8.46 | 78.5 | 2.59 |
| Income | 0.96 | 1.0 | -11.00 |
| Dividend | 9.32 | 88.2 | 3.58 |
| Capital Spending | 86.97 | NA | 103.10 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.75 | NA | -11.35 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -7.7 | -0.6 | -1.5 |
| Earnings % | -8.6 | 50.6 | 9.3 |
| EPS % | -30.2 | 16.7 | 7.0 |
| EPS $ | -0.26 | 0.03 | 0.09 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 10.93 |
| Free Cash Flow Margin 5YEAR AVG | 17.62 |
| Cash-Flow pS | 2.66 |
| Free Cash-Flow pS | 1.06 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 9.84 |
| Debt Ratio | 89.84 |
| Total Debt/Equity (Gearing Ratio) | 0.32 |
| LT Debt/Equity | 0.26 |
| LT Debt/Capital Invested | 20.85 |
| LT Debt/Total Liabilities | 2.98 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.55 |
| Tobin's Q Ratio | 0.08 |
| Current P/E Ratio - LTM | 12.90 |
| Enterprise Value (EV)/EBITDA | 0.02 |
| Enterprise Value (EV)/Free Cash Flow | 3.01 |
| Dividend Yield | 4.5 |
| Price/Tangible Book Ratio - LTM | 0.91 |
| Price/Book Ratio - LTM | 0.73 |
| Price/Cash Flow Ratio | 12.8 |
| Price/Free Cash Flow Ratio - LTM | 6.2 |
| P/E Ratio (1 month ago) - LTM | 13.7 |
| P/E Ratio (26 weeks ago) - LTM | 14.3 |
| P/E Ratio (52 weeks ago) - LTM | 17.0 |
| 5-Y High P/E Ratio | 25.5 |
| 5-Y Low P/E Ratio | 9.2 |
| 5-Y Average P/E Ratio | 17.3 |
| Current P/E Ratio as % of 5-Y Average P/E | 74 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 12.9 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 15.70 |
| Book Value pS - LTM | 19.46 |
| Capital Invested pS | 23.74 |
| Cash Flow pS - LTM | 1.11 |
| Free Cash Flow pS - LTM | 2.31 |
| Earnings pS (EPS) | 1.37 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 7.36 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.4 |
| Return on Capital Invested (ROCI) | 5.82 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 6.6 |
| Return on Assets (ROA) | 0.75 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.8 |
| EBIT Margin - LTM | 40.0 |
| EBITDA Margin - LTM | 40.0 |
| Pre-Tax Profit Margin | 35.11 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 42.17 |
| Net Profit Margin | 25.26 |
| Net Profit Margin - 5YEAR AVRG. | 29.49 |
| Effective Tax Rate | 28.05 |
| Effective Tax Rate - 5YEAR AVRG. | 29.44 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 235,411 |
| Net Income per Employee - LTM | 24,673 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,574.68 |
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