1st Source Corporation Financial Ratios — SRCE Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	13.88	8.97	9.33	9.24	8.6	8.16	9.05	10.22	10.6	8.8	11.91	11.1	10.6	10.39	11.39
Return on Assets (%)	1.09	1.11	1.19	1.22	1.15	1.08	1.2	1.35	1.42	1.17	1.54	1.47	1.46	1.5	1.76
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	11.03	9.6	8.27	8.36	9.8	10.98	11.24	10.56	10.85	9.43	7.13	5.38	4.19	3.19	2.6
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.18	32.49	35.87	35.45	35.45	34.46	35.65	33.78	36.97	32.25	46	44.2	43.78	44.19	47.12
Profit Margin (%)	21.02	21.3	23.48	24.38	23.01	22.35	23.93	26.5	28.3	24.7	35.2	33.97	33.83	34.26	36.49
Net Income to Common Margin (%)	21.02	21.3	23.48	24.38	23.01	22.35	23.93	26.5	28.3	24.7	35.2	33.97	33.83	34.26	36.49
Effective Tax Rate (%)	34.69	34.42	34.53	31.23	35.09	35.16	32.86	21.53	23.42	23.4	23.45	23.12	22.73	22.47	22.57
Dvd Payout Ratio (%)	33.03	33.29	31.03	30.38	31.53	33.6	30.02	31.17	31.52	36.53	26.43	26.63	26.47	26.69	24.29
Sustainable Growth Rate (%)	9.29	5.98	6.43	6.43	5.89	5.42	6.33	7.04	7.26	5.59	8.76	8.14	7.79	7.61	8.62

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	135	128	236	206	201	243	119	199	138	127	115	162	342	253	200
ST Debt	18	11	133	107	103	129	9	86	25	7	5	74	257	177	126
LT Debt	117	117	103	99	99	114	110	113	112	120	109	87	85	76	74
Total Debt/EBITDA	5.33	5.7	12.2	10.36	8.22	8.55	3.71	6.06	3.91	4.1	4.78	8.46	22.09	20.44	17.8
Net Debt/EBITDA	2.91	1.98	8.19	7.1	5.56	6.49	1.41	3.17	2	1.71	2.51	4.02	17.08	14.23	11.65
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.27	12.53	12.88	13.43	13.27	13.26	13.19	13.28	13.59	12.99	12.85	13.57	14.05	14.86	16.03
Long-Term Debt/Equity (%)	22.26	20.95	17.6	16.16	15.33	16.93	15.29	14.84	13.25	12.92	11.29	9.46	7.96	6.42	5.64
Long-Term Debt/Capital (%)	17.36	16.77	12.2	11.62	11.1	11.74	12.27	10.94	10.63	10.72	9.06	6.46	5.16	4.6	4.38
Long-Term Debt/Total Assets (%)	2.67	2.57	2.18	2.06	1.9	2.08	1.87	1.8	1.7	1.64	1.35	1.05	0.97	0.85	0.82
Total Debt/Equity (%)	25.74	22.83	40.32	33.57	31.26	36.11	16.51	26.07	16.25	13.68	11.83	17.48	31.98	21.39	15.21
Total Debt/Capital (%)	20.08	18.28	27.96	24.13	22.63	25.04	13.25	19.21	13.03	11.35	9.49	11.94	20.74	15.31	11.82
Total Debt/Total Assets (%)	3.08	2.8	5	4.27	3.88	4.43	2.02	3.16	2.08	1.74	1.42	1.94	3.91	2.83	2.21
Net Debt to Equity	14.02	7.93	27.07	23.02	21.14	27.41	6.26	13.64	8.33	5.71	6.22	8.31	24.72	14.88	9.95
Net Debt/Capital (%)	12.04	7.21	20.67	17.9	16.51	20.22	5.48	11.07	7.13	5.07	5.23	6.06	16.83	11.17	8.07
EBITDA	25	22	19	20	24	28	32	33	35	31	24	19	15	12	11
EBITDA-CapEx	4	13	-9	-16	-40	-11	-19	9	25	28	21	17	9	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.27	12.53	12.88	13.43	13.27	13.26	13.19	13.28	13.59	12.99	12.85	13.57	14.05	14.86	16.03
Long-Term Debt/Equity (%)	22.26	20.95	17.6	16.16	15.33	16.93	15.29	14.84	13.25	12.92	11.29	9.46	7.96	6.42	5.64
Long-Term Debt/Capital (%)	17.36	16.77	12.2	11.62	11.1	11.74	12.27	10.94	10.63	10.72	9.06	6.46	5.16	4.6	4.38
Long-Term Debt/Total Assets (%)	2.67	2.57	2.18	2.06	1.9	2.08	1.87	1.8	1.7	1.64	1.35	1.05	0.97	0.85	0.82
Total Debt/Equity (%)	25.74	22.83	40.32	33.57	31.26	36.11	16.51	26.07	16.25	13.68	11.83	17.48	31.98	21.39	15.21
Total Debt/Capital (%)	20.08	18.28	27.96	24.13	22.63	25.04	13.25	19.21	13.03	11.35	9.49	11.94	20.74	15.31	11.82
Total Debt/Total Assets (%)	3.08	2.8	5	4.27	3.88	4.43	2.02	3.16	2.08	1.74	1.42	1.94	3.91	2.83	2.21
CFO/Total Liabilities	3.23	2.33	2.1	1.72	2.21	2.04	2.7	2.89	2.85	2.42	2.34	2.37	2.45	2.5	2.88
CFO/CapEx	5.79	9.83	3.07	2.03	1.57	2.51	2.72	6.61	15.64	54.21	57.78	73.75	31.43	15.68	22.13
Altman's Z-Score	0.21	0.2	0.24	0.26	0.22	0.27	0.28	0.25	0.29	0.24	0.25	0.27	0.28	0.3	0.33

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

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Raw Materials

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Work In Process

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Finished Goods

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Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	614	536	778	819	808	1,164	1,282	1,046	1,328	1,029	1,242	1,311	1,353	1,430	1,530
- Cash & Cash Equivalents	61	83	78	65	65	59	74	95	67	74	54	85	77	77	69
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	2	20	44	53	60	79	70	43
+ Total Debt	135	128	236	206	201	243	119	199	138	127	115	162	342	253	200
Enterprise Value	-196	-300	103	169	152	498	423	162	379	-72	-508	-328	73	140	922
Total Capital	672	698	844	855	890	970	895	1,036	1,058	1,122	1,208	1,353	1,647	1,651	1,695
Total Debt/Capital (%)	20.08	18.28	27.96	24.13	22.63	25.04	13.25	19.21	13.03	11.35	9.49	11.94	20.74	15.31	11.82
Total Debt / EV	-0.69	-0.42	2.28	1.22	1.32	0.49	0.28	1.23	0.36	-1.78	-0.23	-0.49	4.69	1.8	0.22
EV/Sales	- -	- -	0.44	0.71	0.61	1.92	1.49	0.52	1.16	- -	- -	- -	0.2	0.36	2.13
EV/EBITDA	- -	- -	5.34	8.49	6.22	17.52	13.23	4.93	10.73	- -	- -	- -	4.71	11.33	81.83
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	1.19	2.34	1.51	5.08	3.03	1.01	2.3	- -	- -	- -	0.39	0.72	4.13
EV/Free Cash Flow to Firm	- -	- -	0.9	1.57	0.93	3.63	2.21	0.88	2.16	- -	- -	- -	0.38	0.68	3.95
Diluted Market Cap	614	536	778	819	808	1,164	1,282	1,046	1,328	1,029	1,242	1,311	1,353	1,430	1,530
Diluted Enterprise Value	688	581	936	960	944	1,348	1,327	1,152	1,419	1,126	1,355	1,447	1,695	1,676	1,705
EV per Share	- -	- -	3.86	6.44	5.82	19.1	16.32	6.24	14.79	- -	- -	- -	2.96	5.72	37.64
TTM Sales	229	233	234	238	250	259	284	311	325	330	337	355	369	387	434
TTM EBITDA	25	22	19	20	24	28	32	33	35	31	24	19	15	12	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	124	93	87	72	101	98	140	160	165	154	167	176	188	194	223
TTM Free Cash Flow to Firm	146	103	115	108	165	137	191	184	175	157	170	178	194	206	233

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.21	5.22	6.74	7.59	4.91	8.49	6.71	5.69	7.58	6.54	7.32	7.37	6.98	6.93	6.56
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-196	-300	103	169	152	498	423	162	379	-72	-508	-328	73	140	922
Low Price	16.24	17.91	19.89	25.05	26.95	27.01	42.15	38.44	39.11	26.07	38.73	42.29	38.77	47.3	52.14
EV/Sales	- -	- -	0.44	0.71	0.61	1.92	1.49	0.52	1.16	- -	- -	- -	0.2	0.36	2.13
EV/EBITDA	- -	- -	5.34	8.49	6.22	17.52	13.23	4.93	10.73	- -	- -	- -	4.71	11.33	81.83
Price/Earnings	12.74	10.8	14.15	14.1	14.06	20.14	18.84	12.7	14.44	12.63	10.48	10.88	10.83	10.78	9.67
Price/Earnings Average	10.68	11.19	11.6	12.58	13.77	15.39	18.24	16.29	13.01	11.48	9.86	10.07	9.08	10.3	9.51
Price/Earnings High	13.11	13.1	14.58	14.47	15.64	20.57	20.3	18.67	14.87	16.35	10.82	12.28	11.15	12.58	10.48
Price/Earnings Low	8.98	9.63	9.69	11.32	12.27	12.18	16.06	12.1	10.89	8.17	8.18	8.66	7.64	8.74	8.07
Price/Book Value	1.14	0.94	1.28	1.26	1.17	1.6	1.65	1.25	1.48	1.08	1.19	1.16	1.1	1.08	1.05
Price/Book Value Average	0.96	0.97	1.05	1.13	1.15	1.22	1.6	1.61	1.33	0.98	1.12	1.07	0.93	1.03	1.04
Price/Book Value High	1.18	1.14	1.32	1.3	1.31	1.63	1.78	1.84	1.52	1.4	1.23	1.31	1.14	1.26	1.14
Price/Book Value Low	0.81	0.84	0.88	1.01	1.02	0.97	1.41	1.19	1.11	0.7	0.93	0.92	0.78	0.87	0.88
Price/Tangible Book Value	1.41	1.14	1.56	1.55	1.44	1.98	2.02	1.54	1.74	1.21	1.4	1.56	1.37	1.3	1.24
Price/Tangible Book Value Average	1.18	1.18	1.28	1.38	1.42	1.51	1.96	1.98	1.57	1.1	1.32	1.44	1.15	1.24	1.22
Price/Tangible Book Value High	1.45	1.38	1.61	1.59	1.61	2.02	2.18	2.26	1.79	1.57	1.45	1.76	1.42	1.52	1.34
Price/Tangible Book Value Low	0.99	1.01	1.07	1.24	1.26	1.2	1.72	1.47	1.31	0.79	1.1	1.24	0.97	1.06	1.03
Price/Sales	2.68	2.3	3.32	3.44	3.23	4.5	4.51	3.36	4.09	3.12	3.69	3.69	3.66	3.69	3.53
Price/Sales Average	2.25	2.38	2.72	3.07	3.17	3.44	4.37	4.32	3.68	2.83	3.47	3.42	3.07	3.53	3.47
Price/Sales High	2.75	2.79	3.42	3.53	3.6	4.6	4.86	4.95	4.21	4.04	3.81	4.17	3.77	4.31	3.83
Price/Sales Low	1.89	2.05	2.28	2.76	2.82	2.72	3.84	3.21	3.08	2.02	2.88	2.94	2.58	2.99	2.94
Price/Cash Flow	4.94	5.75	8.93	11.32	8.03	11.87	9.18	6.55	8.07	6.66	7.45	7.47	7.2	7.38	6.86
Price/Cash Flow Average	4.14	5.96	7.32	10.09	7.87	9.07	8.89	8.41	7.27	6.05	7.01	6.91	6.04	7.04	6.74
Price/Cash Flow High	5.08	6.97	9.21	11.62	8.94	12.12	9.89	9.64	8.31	8.62	7.69	8.43	7.41	8.61	7.44
Price/Cash Flow Low	3.48	5.13	6.12	9.09	7.01	7.18	7.82	6.24	6.08	4.31	5.82	5.95	5.08	5.98	5.72
Price/Free Cash Flow Average	3.53	5.41	5.52	6.77	4.81	6.49	6.49	7.3	6.83	5.94	6.89	6.82	5.85	6.62	6.45
Price/Free Cash Flow High	4.33	6.33	6.95	7.79	5.46	8.67	7.23	8.37	7.81	8.46	7.56	8.32	7.18	8.09	7.12
Price/Free Cash Flow Low	2.97	4.66	4.62	6.09	4.29	5.13	5.72	5.42	5.72	4.23	5.72	5.87	4.92	5.62	5.48
EV/Sales Average	2.57	2.57	3.4	3.66	3.71	4.15	4.52	4.66	3.96	3.13	3.81	3.8	4	4.16	3.87
EV/Sales High	3.08	2.98	4.1	4.12	4.14	5.31	5.02	5.29	4.49	4.33	4.14	4.56	4.7	4.95	4.23
EV/Sales Low	2.21	2.24	2.95	3.35	3.37	3.43	4	3.55	3.36	2.31	3.22	3.33	3.51	3.63	3.35
EV/EBITDA Average	23.26	26.82	41.13	43.76	37.89	37.8	40.24	44.12	36.51	33.19	53.41	70.7	95.55	130.4	149.06
EV/EBITDA High	27.88	31.05	49.6	49.3	42.28	48.34	44.63	50.1	41.35	45.96	58.15	84.68	112.25	154.94	162.79
EV/EBITDA Low	20.03	23.36	35.71	40.11	34.37	31.27	35.59	33.59	30.97	24.53	45.14	61.85	83.89	113.66	128.82
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	23.03	20.08	29.04	31.19	30.87	44.66	49.45	40.34	51.88	40.3	49.6	53.09	54.95	58.38	62.49
High Price	23.69	24.35	29.93	32.02	34.35	45.61	53.29	59.33	53.42	52.16	51.2	59.94	56.59	68.13	67.77
Enterprise Value Average	588	600	796	872	928	1,074	1,286	1,448	1,288	1,032	1,282	1,349	1,477	1,612	1,679
Enterprise Value High	705	694	960	982	1,035	1,373	1,427	1,645	1,459	1,428	1,395	1,616	1,736	1,915	1,834
Enterprise Value Low	506	522	691	799	842	888	1,138	1,103	1,092	762	1,083	1,181	1,297	1,405	1,451

Shares Outstanding	27	27	27	26	26	26	26	26	26	25	25	25	24	25	24
Diluted Weighted Avg Shares	27	27	27	26	26	26	26	26	26	26	25	25	25	24	24
Basic Weighted Avg Shares	27	27	27	26	26	26	26	26	26	26	25	25	25	24	24
Revenue per Share	8.6	8.73	8.74	9.08	9.55	9.92	10.97	11.99	12.7	12.92	13.45	14.37	15	15.8	17.71
EBITDA per Share	0.95	0.84	0.72	0.76	0.94	1.09	1.23	1.27	1.38	1.22	0.96	0.77	0.63	0.5	0.46
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.81	1.86	2.05	2.21	2.2	2.22	2.62	3.18	3.59	3.19	4.73	4.88	5.08	5.41	6.46
Basic EPS from Cont Ops	1.81	1.86	2.05	2.21	2.2	2.22	2.62	3.18	3.59	3.19	4.74	4.88	5.08	5.41	6.46
Diluted EPS, GAAP	1.81	1.86	2.05	2.21	2.2	2.22	2.62	3.18	3.59	3.19	4.73	4.88	5.08	5.41	6.46
Diluted EPS from Cont Ops	1.81	1.86	2.05	2.21	2.2	2.22	2.62	3.18	3.59	3.19	4.74	4.88	5.08	5.41	6.46
Dividend per Share	0.6	0.62	0.64	0.67	0.69	0.75	0.79	0.99	1.13	1.17	1.25	1.3	1.34	1.44	1.57
Cash Flow per Share	4.67	3.49	3.25	2.76	3.84	3.76	5.39	6.16	6.43	6.05	6.66	7.11	7.63	7.91	9.11
Free Cash Flow per Basic Share	3.86	3.14	2.19	1.4	1.4	2.26	3.4	5.23	6.02	5.94	6.55	7.01	7.39	7.41	8.7
Cash & Equivalents per Share	35.42	36.11	33.99	32.61	32.74	34.88	37.71	41.83	43.27	49.82	76.58	75.34	69.07	65.85	34.79
Book Value per Share	20.13	21.36	22.71	24.72	26.3	27.91	29.95	32.21	35.15	37.24	41.55	45.83	49.82	54.19	59.28
Tangible Book Value per Share	16.36	17.65	18.64	20.16	21.37	22.58	24.49	26.2	29.87	33.17	35.37	34.02	39.99	44.81	50.4

1st Source Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)