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SRCE

1st SourceC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Record third-quarter income, $2.03 EPS, sequential loan growth, margin expansion and a lower credit-loss provision support an improved operating view. The board also approved a $0.45 quarterly dividend [#SEC-8K-2026-10-22].
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.4.
What can break
No verified post-earnings analyst revisions or quantified Payments Hub economics are available.
Momentum
70
Value
55
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $83.00 · Bull $98.00 · Bear $72.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $89.67
Why
Momentum70 · Δ7d +1.4
Value55 · Δ7d +0.4
Sentiment52 · Δ7d -10.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.4.

Contradictions & invalidation

  • • No verified post-earnings analyst revisions or quantified Payments Hub economics are available.
  • • Seasonal public-fund deposit outflows and future funding costs could erode the 4.28% tax-equivalent margin [#SEC-8K-2026-10-22].
  • • The beat does not establish a new earnings run rate: results included a $3.82 million pre-tax securities-sale loss, average deposits barely grew sequentially, and the benefit from low provisions could reverse [#SEC-8K-2026-10-22].

Catalyst clock

2026-10-23

Market digests a third-quarter EPS beat

Lead driver: Value · See fundamentals
Momentum
70
8% active weight
Current posture
7d trendFlat
Δ7d
+1.4
Δ21d
+0.1
Value
55
47% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.5
Sentiment
52
45% active weight
Current posture
7d trendSoftening
Δ7d
-10.9
Δ21d
-20.4
Why this grade

Composite grade C. Momentum 69.9 / Value 54.7 / Sentiment 51.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
20%
Probability
Target price
$98.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$83.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
35%
Probability
Target price
$72.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$2.1B
Beta
0.63
Shares Out
24.08M
P/E (TTM)
10.6
P/S (TTM)
3.69
P/FCF (TTM)
10.41
Rev YoY
+3.9%
EPS YoY
+29.9%
Gross Margin
-
Op Margin
+36.5%
Net Debt
$288.03M
Current Ratio
0.04
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data