GABC German American Bancorp Inc

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

Price (delayed)

$32.39

Market cap

$958.25M

P/E Ratio

11.13

Dividend/share

$1.02

EPS

$2.91

Enterprise value

$1.04B

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 debt has declined by 32% since the previous quarter and by 4.8% year-on-year
GABC's equity is up by 23% QoQ and by 19% YoY
The P/E is 14% below the 5-year quarterly average of 12.9 but 14% above the last 4 quarters average of 9.8
German American Bancorp's net income has increased by 5% YoY but it has decreased by 3.3% QoQ
The gross profit is down by 2.1% year-on-year
German American Bancorp's revenue has decreased by 2.1% YoY
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
$958.25M
Enterprise value
$1.04B
Valuations
Price to earnings (P/E)
11.13
Price to book (P/B)
1.44
Price to sales (P/S)
3.86
EV/EBIT
10
EV/EBITDA
9.16
EV/Sales
4.18
Earnings
Revenue
$248.14M
EBIT
$103.65M
EBITDA
$113.21M
Free cash flow
$105.12M
Per share
EPS
$2.91
Free cash flow per share
$3.55
Book value per share
$22.44
Revenue per share
$8.39
TBVPS
$201.71
Balance sheet
Total assets
$6.15B
Total liabilities
$5.49B
Debt
$193.94M
Equity
$663.56M
Working capital
N/A
Liquidity
Debt to equity
0.29
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.69
Margins
EBITDA margin
45.6%
Gross margin
100%
Net margin
34.6%
Operating margin
41.8%
Efficiency
Return on assets
1.4%
Return on equity
14.3%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
41.8%
Dividend
Dividend yield
3.15%
DPS
$1.02
Payout ratio
35.1%

GABC stock price

How has the German American Bancorp stock price performed over time
Intraday
-2.35%
1 week
1.6%
1 month
-1.64%
1 year
11.5%
YTD
-0.06%
QTD
-6.5%

Financial performance

How have German American Bancorp's revenue and profit performed over time
Revenue
$248.14M
Gross profit
$248.14M
Operating income
$103.65M
Net income
$85.89M
Gross margin
100%
Net margin
34.6%
The net margin has grown by 7% year-on-year
The operating margin has grown by 7% YoY but it has contracted by 2.3% from the previous quarter
German American Bancorp's net income has increased by 5% YoY but it has decreased by 3.3% QoQ
GABC's operating income is up by 4.5% year-on-year but it is down by 4.1% since the previous quarter

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
11.13
P/B
1.44
P/S
3.86
EV/EBIT
10
EV/EBITDA
9.16
EV/Sales
4.18
The P/E is 14% below the 5-year quarterly average of 12.9 but 14% above the last 4 quarters average of 9.8
German American Bancorp's EPS has increased by 4.7% YoY but it has decreased by 3.6% from the previous quarter
GABC's equity is up by 23% QoQ and by 19% YoY
GABC's P/B is 10% below its 5-year quarterly average of 1.6 and 4% below its last 4 quarters average of 1.5
The P/S is 12% less than the 5-year quarterly average of 4.4 but 10% more than the last 4 quarters average of 3.5
German American Bancorp's revenue has decreased by 2.1% YoY

Efficiency

How efficient is German American Bancorp business performance
German American Bancorp's ROA has increased by 8% YoY but it has decreased by 7% from the previous quarter
German American Bancorp's ROS has increased by 7% YoY but it has decreased by 2.3% from the previous quarter
The ROE has contracted by 7% from the previous quarter
The ROIC has contracted by 6% from the previous quarter

Dividends

What is GABC's dividend history
Dividend details
DPS
$1.02
Dividend yield
3.15%
Payout ratio
35.1%
Recent dividends

Financial health

How did German American Bancorp financials performed over time
German American Bancorp's total assets is 12% higher than its total liabilities
German American Bancorp's total assets has increased by 2.4% QoQ
The debt is 71% smaller than the equity
The debt to equity has contracted by 45% from the previous quarter and by 19% YoY
The debt has declined by 32% since the previous quarter and by 4.8% year-on-year

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