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1st Source Corporation SRCE Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$115.4MBeat by $4.5M
EPS$1.67Beat by $0.05
Revenue estimate$110.9M
EPS estimate$1.62

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$118.1M
EPS estimate$1.72

Financials

Q4 2025

Income statement

See full
Revenue$110.8M+13.3%
Net income$41.1M+30.8%
EPS (diluted)$1.67+31.5%

Balance sheet

See full
Cash & equivalents$119.9M-4.0%
Total debt$255.2M-4.5%
Total equity$1.3B+14.8%
Total assets$9.1B+1.4%

Cash flow

See full
Operating cash flow$55.4M+65.2%
CapEx$2.0M-70.1%
Free cash flow$53.5M+98.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.53B+6.7%
Enterprise value$1.66B+5.6%
P/E9.6×-1.1×
P/S3.5×-0.2×

Profitability

See full
Net margin36.5%+2.2pp
FCF margin49.1%+2.2pp

Returns & leverage

See full
Return on equity13.3%+0.6pp
Debt / equity0.2×0.0×

Segments

By product

See full
Trust and wealth advisory$7.1M+4.3%
Debit card$4.5M+2.4%
Service charges on deposit accounts$3.5M+4.9%

Versus estimates

Revenue

Q2 2026$117.1MBeat by $2.9MQ1 2026$113.1MBeat by $1.1M
Q4 2025$115.4MBeat by $4.5M
Q3 2025$110.7MBeat by $1.3MQ2 2025$108.2MBeat by $2.6MQ1 2025$104.0MBeat by $3.1M

Diluted EPS

Q2 2026$1.95Beat by $0.24Q1 2026$1.63Miss by $0.01
Q4 2025$1.67Beat by $0.05
Q3 2025$1.71Beat by $0.11Q2 2025$1.51Beat by $0.02Q1 2025$1.52Beat by $0.16

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Questions, answered.

When did 1st Source Corporation report Q4 2025 earnings?
1st Source Corporation (SRCE) reported Q4 2025 earnings on January 22, 2026 before market open.
What were 1st Source Corporation's Q4 2025 revenue and EPS?
1st Source Corporation reported revenue of $115.4M and eps of $1.67 for Q4 2025.
Did 1st Source Corporation beat estimates in Q4 2025?
Revenue beat the consensus estimate of $110.9M by $4.5M. EPS beat the consensus estimate of $1.62 by $0.05.
How did 1st Source Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 17.9% from $97.8M a year earlier and eps grew 19.3% from $1.40.
Where can I find 1st Source Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000034782-26-000004) and the 10-K periodic report (0000034782-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.