GABC German American Bancorp Inc

Price (delayed)

$35.35

Market cap

$1.04B

P/E Ratio

12.9

Dividend/share

$0.88

EPS

$2.74

Enterprise value

$527.83M

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 18% below the 5-year quarterly average of 15.5
The gross profit is up by 13% year-on-year
German American Bancorp's EPS has decreased by 14% from the previous quarter but it has increased by 5% YoY
German American Bancorp's net income has decreased by 12% QoQ but it has increased by 6% YoY

Key stats

What are the main financial stats of GABC
Market
Shares outstanding
29.48M
Market cap
$1.04B
Enterprise value
$527.83M
Valuations
Price to earnings (P/E)
12.9
Price to book (P/B)
1.6
Price to sales (P/S)
4.54
EV/EBIT
5.98
EV/EBITDA
5.42
EV/Sales
2.3
Earnings
Revenue
$229.22M
EBIT
$88.31M
EBITDA
$97.41M
Free cash flow
$112.86M
Per share
EPS
$2.74
Free cash flow per share
$3.84
Book value per share
$22.06
Revenue per share
$7.79
TBVPS
$221.14
Balance sheet
Total assets
$6.7B
Total liabilities
$6.05B
Debt
$156.12M
Equity
$649.04M
Working capital
N/A
Liquidity
Debt to equity
0.24
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.28
Margins
EBITDA margin
42.5%
Gross margin
100%
Net margin
32.1%
Operating margin
38.5%
Efficiency
Return on assets
1.3%
Return on equity
11.3%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
38.5%
Dividend
Dividend yield
2.49%
DPS
$0.88
Payout ratio
32.1%

GABC stock price

How has the German American Bancorp stock price performed over time
Intraday
1.7%
1 week
1.84%
1 month
-3.6%
1 year
-14.05%
YTD
-9.31%
QTD
-6.95%

Financial performance

How have German American Bancorp's revenue and profit performed over time
Revenue
$229.22M
Gross profit
$229.22M
Operating income
$88.31M
Net income
$73.65M
Gross margin
100%
Net margin
32.1%
The operating margin has contracted by 15% from the previous quarter and by 8% YoY
GABC's operating income is down by 14% since the previous quarter but it is up by 4.6% year-on-year
The gross profit is up by 13% year-on-year
The net margin has declined by 13% since the previous quarter and by 6% year-on-year

Growth

What is German American Bancorp's growth rate over time

Valuation

What is German American Bancorp stock price valuation
P/E
12.9
P/B
1.6
P/S
4.54
EV/EBIT
5.98
EV/EBITDA
5.42
EV/Sales
2.3
The P/E is 18% below the 5-year quarterly average of 15.5
German American Bancorp's EPS has decreased by 14% from the previous quarter but it has increased by 5% YoY
GABC's P/B is 7% below its 5-year quarterly average of 1.7
GABC's equity is up by 5% YoY but it is down by 2.9% QoQ
German American Bancorp's revenue has increased by 13% YoY
The P/S is 13% less than the 5-year quarterly average of 5.1 and 3% less than the last 4 quarters average of 4.6

Efficiency

How efficient is German American Bancorp business performance
German American Bancorp's ROA has decreased by 19% from the previous quarter and by 7% YoY
German American Bancorp's ROS has decreased by 15% from the previous quarter and by 8% YoY
The ROIC has contracted by 15% from the previous quarter and by 6% YoY
The ROE has contracted by 13% from the previous quarter

Dividends

What is GABC's dividend history
DPS
$0.88
Dividend yield
2.49%
Payout ratio
32.1%
Recent dividends

Financial health

How did German American Bancorp financials performed over time
German American Bancorp's total assets is 11% higher than its total liabilities
The total liabilities has grown by 31% YoY and by 22% from the previous quarter
German American Bancorp's total assets has increased by 28% YoY and by 19% QoQ
The debt is 76% smaller than the equity
The debt to equity has contracted by 14% YoY but it has grown by 4.3% from the previous quarter
The debt has declined by 10% year-on-year but it has grown by 2.6% since the previous quarter

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