NASDAQ$SRCE

1st Source Corporation · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

1st Source reported Q3 2025, revenue of $98M, net income of $42.3M, diluted EPS of $1.71.

For Q3 2025, 1st Source reported revenue of $98M, net income of $42.3M, diluted EPS was $1.71. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $98M.
  • Net income $42.3M.
  • Diluted EPS $1.71.

Headline financials

Total Revenue

$111M

Previous: $98.1M+12.8%
EPS (adj)

$1.71

Previous: $1.41+21.3%
ROA

1.9%

No prior period
ROE

13.8%

No prior period
Efficiency Ratio (GAAP)

49.5%

No prior period
Efficiency Ratio (Adj.)

49.2%

No prior period
Net Charge-Offs to Loans

0.1%

No prior period
Net Interest Margin

4.1%

No prior period
Net Interest Margin (FTE)

4.1%

No prior period
Avg Equity to Assets

13.5%

No prior period
Tangible Equity to Assets

12.8%

No prior period
Common Equity Tier 1

15.2%

No prior period
Tier 1 Capital Ratio

16.6%

No prior period
Total Capital Ratio

17.9%

No prior period
Loan Loss Allowance

2.3%

No prior period
Nonperforming Assets

0.9%

No prior period
Capital Expenditures

-$8.12M

Previous: -$5.83M-39.4%
Net Income

$42.3M

Previous: $36.4M+16.0%
Operating Income

$55M

No prior period

Revenue & EPS history

1st Source · Revenue · Quarterly

$111M

Q3 2025+12.8%vs Q3 2024
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

The release discusses 1st Source's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Net interest income and credit quality support the regional banking outlook.
  • 1st Source cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.
  • Deposit costs and credit normalization can pressure margins.

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 Q3 2025

Historical avgQ3 2025

+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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