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Price (delayed)
$41.21
Market cap
$1.22B
P/E Ratio
14.93
Dividend/share
$1.08
EPS
$2.76
Enterprise value
$1.23B
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
GABC's equity is up by 38% YoY and by 8% QoQ
The debt has declined by 29% year-on-year but it has grown by 23% since the previous quarter
The P/E is 19% above the last 4 quarters average of 12.5 and 17% above the 5-year quarterly average of 12.8
German American Bancorp's EPS has decreased by 9% YoY
Key stats
What are the main financial stats of GABC
Market
Valuations
Earnings
Shares outstanding
29.68M
Market cap
$1.22B
Enterprise value
$1.23B
Price to earnings (P/E)
14.93
Price to book (P/B)
1.64
Price to sales (P/S)
4.95
EV/EBIT
12.21
EV/EBITDA
11.18
EV/Sales
4.98
Revenue
$247.16M
Gross profit
$247.16M
Net income
$82.11M
EBIT
$100.88M
EBITDA
$110.2M
Free cash flow
$95.38M
Per share
Balance sheet
Liquidity
EPS
$2.76
EPS diluted
$2.76
Free cash flow per share
$3.21
Book value per share
$25.09
Revenue per share
$8.33
TBVPS
$204.77
Total assets
$6.26B
Total liabilities
$5.52B
Debt
$204.15M
Equity
$744.56M
Working capital
N/A
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.08
Margins
Efficiency
Dividend
EBITDA margin
44.6%
Gross margin
100%
Net margin
33.2%
Operating margin
40.8%
Return on assets
1.3%
Return on equity
11.9%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
40.8%
Dividend yield
2.62%
DPS
$1.08
Payout ratio
39.1%
GABC stock price
How has the German American Bancorp stock price performed over time
Intraday
0.51%
1 week
-7.23%
1 month
-8.3%
1 year
22.39%
YTD
27.15%
QTD
6.35%
Financial performance
How have German American Bancorp's revenue and profit performed over time
Revenue
$247.16M
Gross profit
$247.16M
Operating income
$100.88M
Net income
$82.11M
Gross margin
100%
Net margin
33.2%
German American Bancorp's net income has decreased by 8% YoY
GABC's operating income is down by 7% year-on-year
The net margin has declined by 6% year-on-year
The operating margin has contracted by 4.7% YoY
Growth
What is German American Bancorp's growth rate over time
Valuation
What is German American Bancorp stock price valuation
P/E
14.93
P/B
1.64
P/S
4.95
EV/EBIT
12.21
EV/EBITDA
11.18
EV/Sales
4.98
The P/E is 19% above the last 4 quarters average of 12.5 and 17% above the 5-year quarterly average of 12.8
German American Bancorp's EPS has decreased by 9% YoY
GABC's equity is up by 38% YoY and by 8% QoQ
GABC's P/B is 9% above its last 4 quarters average of 1.5 and 2.5% above its 5-year quarterly average of 1.6
The P/S is 18% more than the last 4 quarters average of 4.2 and 15% more than the 5-year quarterly average of 4.3
German American Bancorp's revenue has decreased by 2.1% YoY
Efficiency
How efficient is German American Bancorp business performance
The ROE has contracted by 23% YoY and by 8% from the previous quarter
German American Bancorp's ROA has decreased by 13% YoY
The ROIC has contracted by 6% YoY
German American Bancorp's ROS has decreased by 4.7% YoY
Dividends
What is GABC's dividend history
DPS
$1.08
Dividend yield
2.62%
Payout ratio
39.1%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did German American Bancorp financials performed over time
German American Bancorp's total assets is 13% higher than its total liabilities
German American Bancorp's total assets has increased by 4.3% YoY
The debt is 73% smaller than the equity
The debt to equity has contracted by 49% YoY but it has grown by 13% from the previous quarter
GABC's equity is up by 38% YoY and by 8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.