GABC German American Bancorp Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: GABC

Price (delayed)

$28.82

Market cap

$852.36M

P/E Ratio

9.54

Dividend/share

$1

EPS

$3.02

Enterprise value

$1.01B

German American Bancorp, Inc. is a Nasdaq-traded financial holding company based in Jasper, Indiana. German American, through its banking subsidiary German American Bank, operates 73 banking offices in 20 contiguous ...

Highlights
The P/E is 27% below the 5-year quarterly average of 13.1 and 8% below the last 4 quarters average of 10.4
German American Bancorp's revenue has increased by 4.5% YoY
German American Bancorp's net income has increased by 16% YoY but it has decreased by 3.4% QoQ
German American Bancorp's EPS has increased by 13% YoY but it has decreased by 3.2% from the previous quarter
The debt has surged by 96% year-on-year and by 26% since the previous quarter
Sector: Financial Services
Industry: Banks - Regional
Website: http://germanamerican.com
Peers: ONB HBNC SRCE THFF

Key stats

What are the main financial stats of GABC
Market
Shares outstanding
29.58M
Market cap
$852.36M
Enterprise value
$1.01B
Valuations
Price to earnings (P/E)
9.54
Price to book (P/B)
1.58
Price to sales (P/S)
3.38
EV/EBIT
9.31
EV/EBITDA
8.55
EV/Sales
3.98
Earnings
Revenue
$252.49M
EBIT
$108.12M
EBITDA
$117.7M
Free cash flow
$98.39M
Per share
EPS
$3.02
Free cash flow per share
$3.33
Book value per share
$18.21
Revenue per share
$8.54
TBVPS
$196.74
Balance sheet
Total assets
$6.01B
Total liabilities
$5.47B
Debt
$286.19M
Equity
$538.39M
Working capital
N/A
Liquidity
Debt to equity
0.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.31
Margins
EBITDA margin
46.6%
Gross margin
100%
Net margin
35.2%
Operating margin
42.8%
Efficiency
Return on assets
1.5%
Return on equity
15.4%
Return on invested capital
1.8%
Return on capital employed
N/A
Return on sales
42.8%
Dividend
Dividend yield
3.47%
DPS
$1
Payout ratio
33.1%

GABC stock price

How has the German American Bancorp stock price performed over time
Intraday
-1.34%
1 week
-0.96%
1 month
6.07%
1 year
-27.7%
YTD
-22.73%
QTD
6.39%

Financial performance

How have German American Bancorp's revenue and profit performed over time
Revenue
$252.49M
Gross profit
$252.49M
Operating income
$108.12M
Net income
$88.8M
Gross margin
100%
Net margin
35.2%
GABC's operating income is up by 18% year-on-year but it is down by 4.2% since the previous quarter
German American Bancorp's net income has increased by 16% YoY but it has decreased by 3.4% QoQ
The operating margin has grown by 13% YoY but it has contracted by 2.7% from the previous quarter
The net margin has grown by 11% year-on-year

Growth

What is German American Bancorp's growth rate over time

Valuation

What is German American Bancorp stock price valuation
GABC P/E details
P/E
9.54
P/B
1.58
P/S
3.38
EV/EBIT
9.31
EV/EBITDA
8.55
EV/Sales
3.98
The P/E is 27% below the 5-year quarterly average of 13.1 and 8% below the last 4 quarters average of 10.4
German American Bancorp's EPS has increased by 13% YoY but it has decreased by 3.2% from the previous quarter
GABC's equity is down by 11% QoQ but it is up by 9% YoY
The P/S is 23% less than the 5-year quarterly average of 4.4 and 6% less than the last 4 quarters average of 3.6
German American Bancorp's revenue has increased by 4.5% YoY

Efficiency

How efficient is German American Bancorp business performance
German American Bancorp's ROA has increased by 25% YoY
The ROE has grown by 19% YoY but it has contracted by 6% from the previous quarter
German American Bancorp's ROS has increased by 13% YoY but it has decreased by 2.7% from the previous quarter
The ROIC has grown by 13% YoY but it has contracted by 5% from the previous quarter

Dividends

What is GABC's dividend history
Dividend details
DPS
$1
Dividend yield
3.47%
Payout ratio
33.1%
Recent dividends

Financial health

How did German American Bancorp financials performed over time
German American Bancorp's total assets is 10% higher than its total liabilities
The total liabilities has contracted by 5% YoY
German American Bancorp's total assets has decreased by 4.1% YoY
The debt is 47% smaller than the equity
The debt has surged by 96% year-on-year and by 26% since the previous quarter
The debt to equity has soared by 77% YoY and by 39% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.