Stellar Bancorp vs 1st Source

Stellar Bancorp and 1st Source are compared on this page to examine business models, financial performance, and market context. The content is neutral and accessible, outlining how each organisation operates and the wider sector landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

STEL

Metric

SRCE

$1.63B

Market Cap

$1.59B

-5.02%

Potential Profit

7.81%

Hold

Analyst Rating

Hold

Investment Analysis

Stellar Bancorp

STEL

Pros

Stellar Bancorp reported strong Q3 2025 net income of $25.7 million with improving net interest income and margins, reflecting operational strength.
The bank has successfully grown deposits to $8.82 billion with increasing money market and savings accounts, enhancing its funding stability.
It has a solid balance sheet with improving asset quality, including a decrease in nonperforming assets to 0.51% and increased tangible book value per share.

Considerations

Growth prospects appear limited with low future growth and valuation scores, indicating potential challenges in accelerating expansion.
Loan payoffs remain a concern, potentially impacting loan portfolio growth and income continuity despite strategic repositioning.
Operating in a competitive Texas market with exposure to cyclical commercial real estate segments introduces execution risks and margin pressure.

1st Source

SRCE

Pros

1st Source Corp exhibits steady market presence with consistent stock performance and stable daily trading volumes.
The company maintains a robust capital position and commitment to transparent investor relations, supporting financial stability.
It benefits from regional economic diversification, reducing reliance on any single market or sector and enhancing resilience.

Considerations

1st Source may face exposure to regional economic fluctuations that could impact loan demand and asset quality.
The company’s stock price volatility suggests potential sensitivity to macroeconomic and interest rate changes.
Limited publicly available recent financial updates constrain full visibility into current growth drivers and profitability trends.

About The Companies

Stellar Bancorp (STEL)

Stellar Bancorp, Inc. is a bank holding company operating primarily through its subsidiary, Stellar Bank. It provides a wide range of commercial banking services targeted at small-to-medium-sized businesses, professionals, and individual customers. The company's main operations are concentrated in Texas, with numerous full-service banking centres across the Houston, Beaumont, and Dallas regions. Its offerings include various commercial and personal loans, such as those for small businesses, mortgages, and automobiles, alongside typical deposit services like checking, savings, and money market accounts. For investors, Stellar Bancorp represents a regionally focused financial institution with a diversified service portfolio. As with any investment, it's important to remember that the value can go down as well as up, and past performance is not an indicator of future results.

1st Source (SRCE)

1st Source Corporation is a bank holding company that, through its subsidiaries, provides a broad range of financial products and services. Its main subsidiary, 1st Source Bank, offers commercial and consumer banking, alongside trust and wealth advisory services, to individuals and businesses. The bank has a strong regional presence, operating through dozens of banking centres across Indiana, Michigan, and Florida. Uniquely, it also provides specialised financing for assets like construction equipment, private aircraft, and commercial vehicle fleets. Another subsidiary, 1st Source Insurance, Inc., offers property, casualty, health, and life insurance. This diversified model allows the company to serve various financial needs, from everyday banking to complex financing and insurance. As with any investment, the value can go down as well as up, and returns are not guaranteed. This information is for educational purposes and is not financial advice.

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Stellar Bancorp vs 1st Source

Comparison Snapshot

Investment Analysis

Stellar Bancorp

Pros

Considerations

1st Source

Pros

Considerations

About The Companies

Buy STEL or SRCE in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

Stellar Bancorp vs 1st Source

Comparison Snapshot

Investment Analysis

Stellar Bancorp

Pros

Considerations

1st Source

Pros

Considerations

About The Companies

Buy STEL or SRCE in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Stellar Bancorp vs Lakeland Financial

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Frequently asked questions

What is the main purpose of comparing two stocks like Stellar Bancorp and 1st Source on this page?

What does ‘net income’ tell us in the context of these banks?

Why are asset quality and nonperforming assets important when evaluating banks?

How should funding stability influence my view of these two stocks?

What does a robust capital position indicate for an investor evaluating these stocks?

How important is diversification across markets when comparing these two stocks?

What should I make of the risk factors listed for each stock?

How might region-specific economic cycles affect these stocks?

What does stock price volatility imply in this comparison?

How should a beginner use this page to build understanding without making a recommendation?

Comparison Snapshot

About The Companies