NASDAQ$SRCE

1st Source Corporation · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

Reported an increase in revenue and net interest margin compared to the previous quarter.

1st Source Corporation reported a net income of $29.46 million for Q1 2024, a 3.61% increase from the previous quarter but a 5.36% decrease compared to Q1 2023. Diluted net income per common share was $1.19, up 3.48% from the previous quarter and down 4.80% year-over-year. The board approved a cash dividend of $0.34 per common share, up 6.25% from the previous year.

  • Net income was $29.46 million, up 3.61% from the previous quarter but down 5.36% from Q1 2023.
  • Diluted net income per common share was $1.19, up 3.48% from the previous quarter and down 4.80% year-over-year.
  • A cash dividend of $0.34 per common share was approved, up 6.25% from a year ago.
  • Average loans and leases grew by $116.21 million, up 1.82% from the previous quarter and 7.75% from Q1 2023.

Headline financials

Total Revenue

$94.1M

Previous: $92.9M+1.3%
EPS

$1.19

Previous: $1.25-4.8%
Avg Equity to Assets

11.6%

No prior period
Tangible Equity to Assets

10.8%

No prior period
Common Equity Tier 1

13.5%

No prior period
Tier 1 Capital Ratio

15.2%

No prior period
Total Capital Ratio

16.4%

No prior period
Loan Loss Allowance

2.3%

No prior period
Nonperforming Assets

0.3%

No prior period
Capital Expenditures

-$575K

Previous: -$408K-40.9%
Free Cash Flow

$28.9M

Previous: $30.7M-6.0%
Net Income

$29.5M

Previous: $31.1M-5.4%
Operating Income

$37.4M

Previous: $61.3M-38.9%
Gross Profit

$87.7M

Previous: $90.1M-2.7%
Total Assets

$8.67B

Previous: $8.33B+4.1%

Revenue & EPS history

1st Source · Revenue · Quarterly

$94.1M

Q1 2024+1.3%vs Q1 2023
Beat estimate in 12 of 14 quarters(86%)
ActualEstimate

Revenue by segment

1st Source · $23.5M total across 7 segments · Q4 2022

  • Trust & Wealth Advisory
    $5.61M
  • Other Income
    $5.11M
  • Debit Card Fees
    $4.67M
  • Deposit Charges
    $3.17M
  • Equipment Rental
    $2.56M
  • Insurance Commissions
    $1.54M
  • Mortgage Banking
    $819K

Forward guidance

This document contains forward-looking statements subject to risks and uncertainties, including changes in laws, regulations, interest rates, and economic conditions. Actual results may differ materially from projections. The company undertakes no obligation to update these statements.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+1.1%

Avg return

Earnings day

+1.8%

Avg return

5 days after

+2.7%

Avg return

30 days after

60%

39 / 65 earnings

Positive

+10.6%

Q2 2011

Best reaction

-9.5%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.0%+1.6%+1.0%
Q4 2025-1.8%-3.5%+4.5%
Q3 2025+3.5%+0.4%+5.5%
Q2 2025-0.9%-0.8%+1.9%
Q1 2025-0.9%-0.0%-2.1%
Q3 2024-3.7%+1.5%+11.1%
Q2 2024+7.3%+5.8%+0.3%
Q1 2024-3.2%-2.7%-0.8%
Q4 2023+4.5%+4.6%-0.1%
Q3 2023+2.4%+2.7%+15.7%
Q2 2023+0.4%+2.0%-0.7%
Q1 2023-0.1%-2.2%-4.8%
Q4 2022-9.5%-6.0%-2.6%
Q3 2022+9.1%+14.5%+11.8%
Q2 2022+2.3%+7.2%+13.2%
Q1 2022-1.2%-2.9%-5.8%
Q4 2021-5.3%-0.8%-3.8%
Q3 2021+1.8%+0.6%+1.1%
Q2 2021-1.7%+2.5%+7.6%
Q1 2021+1.9%+2.0%+5.3%
Q4 2020+0.4%-1.8%+2.5%
Q3 2020+5.0%+0.8%+12.2%
Q2 2020+0.9%-0.2%-1.2%
Q1 2020+2.3%+10.4%+1.3%
Q4 2019-1.3%-2.9%-6.0%
Q3 2019+6.6%+9.4%+10.9%
Q2 2019+1.9%+2.2%+3.0%
Q1 2019-3.4%-1.1%-0.4%
Q4 2018+3.3%+2.3%+7.4%
Q3 2018-6.2%-8.6%-4.9%
Q2 2018+4.5%+5.9%+3.2%
Q1 2018+3.9%+5.8%+4.7%
Q4 2017+1.8%+3.0%-1.4%
Q3 2017+0.1%+0.2%-4.4%
Q2 2017+0.3%+1.8%-5.3%
Q1 2017+8.9%+11.9%+1.9%
Q4 2016+7.1%+6.1%+7.1%
Q3 2016-3.7%-2.3%+12.1%
Q2 2016+3.2%+2.3%+3.7%
Q1 2016+0.4%
Q4 2015-1.4%
Q3 2015+2.1%
Q2 2015-3.7%
Q1 2015-1.2%
Q4 2014+2.4%
Q3 2014+1.0%
Q2 2014-0.1%
Q1 2014-5.1%
Q4 2013-1.5%
Q3 2013+4.8%
Q2 2013-0.2%
Q1 2013-0.2%
Q4 2012-0.2%
Q3 2012+1.4%
Q2 2012+3.5%
Q1 2011+0.9%
Q1 2012+1.2%
Q4 2011-0.6%
Q4 2010-0.6%
Q4 2009-0.6%
Q3 2010+2.2%
Q3 2011+2.2%
Q2 2010+10.6%
Q2 2011+10.6%
Q1 2010+3.0%

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