B+
Bull case
25%
Probability
Target price
$100.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
SRCE
1st SourceBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
The Q2 print was materially strong: EPS rose 29% year over year, net interest income increased 9.32%, loans and deposits grew, and credit costs declined. Continued margin stability, credit quality, and dividend growth could support a move toward $100.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.1.
What can break
Credit costs improved sharply in Q2, but provisioning and nonperforming assets can normalize or worsen in a weaker credit environment.
Momentum
60
Value
56
Sentiment
67
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $91.00 · Bull $100.00 · Bear $77.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-09
Investment thesis
As of 2026-09-09
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $89.67
Why
Momentum60 · Δ7d -4.9
Value56 · Δ7d -0.0
Sentiment67 · Δ7d +4.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +4.1.
Contradictions & invalidation
- • Credit costs improved sharply in Q2, but provisioning and nonperforming assets can normalize or worsen in a weaker credit environment.
- • Net interest margin was down one basis point sequentially, leaving sensitivity to funding costs and rate conditions.
- • The stock is already near available target estimates, while DA Davidson maintained Neutral despite raising its target.
Catalyst clock
2026-07-23
Record Q2 earnings beat with improved credit metrics
Lead driver: Sentiment · See AI snapshot
Momentum
60
9% active weight
Current posture
7d trendFlat
Δ7d
-4.9
Δ21d
-17.3
Value
56
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
67
62% active weight
Current posture
7d trendImproving
Δ7d
+4.1
Δ21d
+3.9
Why this grade
Composite grade B. Momentum 59.6 / Value 56.2 / Sentiment 66.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method
Most likely
B
Base case
55%
Probability
Target price
$91.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$77.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$2.12B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data