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1st Source Corporation SRCE Net Interest Income

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Other financials

Income statement

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Revenue$118.2M+9.2%
Net income$47.5M+27.4%
EPS (diluted)$1.95+29.1%

Balance sheet

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Cash & equivalents$127.3M-14.6%
Total debt$199.5M+81.3%
Total equity$1.3B+9.3%
Total assets$9.3B+1.9%

Cash flow

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Operating cash flow$50.8M+13.1%
CapEx$1.4M-20.5%
Free cash flow$49.3M+14.6%

Valuation

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Market cap$2.15B+48.6%
Enterprise value$2.22B+57.8%
P/E12.6×+2.3×
P/S4.8×+1.2×

Profitability

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Net margin37.7%+3.1pp
FCF margin46%-4.5pp

Returns & leverage

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Return on equity13.6%+1.0pp
Debt / equity0.2×+0.1×

Where this comes from

Reported directly by 1st Source Corporation in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: 1st Source Corporation’s 10-Q, filed July 23, 2026.

Filed
Jul 23, 2026, 4:09 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000034782-26-000045
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Subordinated notes9711,0071,9662,021
Long-term debt and mandatorily redeemable securities9961,1021,6982,376
Total interest expense37,93942,02473,93484,390
Net interest income93,14285,192183,280166,130
Provision for credit losses:
Provision for credit losses — loans and leases1,9787,8848,9889,996
(Recovery of) provision for credit losses — unfunded loan commitments(439)(194)(177)959
Total provision for credit losses1,5397,6908,81110,955

Item 1. Financial Statements (Unaudited)

FAQ

What is 1st Source Corporation's net interest income?
1st Source Corporation (SRCE) reported net interest income of $93.14M in Q2 2026.
How has 1st Source Corporation's net interest income changed year-over-year?
1st Source Corporation's net interest income increased by 9.3% year-over-year, from $85.19M to $93.14M.
What is the long-term trend for 1st Source Corporation's net interest income?
Over 4 years (2021 to 2025), 1st Source Corporation's net interest income has grown at a 10.1% compound annual growth rate (CAGR), from $236.64M to $348.18M.
What does net interest income mean?
This is the difference between the interest earned on loans and investments and the interest paid on deposits and other borrowings. It serves as the primary driver of a bank's core profitability and reflects the effectiveness of its net interest margin management. A strong net interest income indicates a healthy spread between the bank's asset yields and its cost of funds.

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