Price (delayed)
$35.78
Market cap
$1.34B
P/E Ratio
12.64
Dividend/share
$1.1
EPS
$2.83
Enterprise value
$1.36B
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 8% YoY but it is down by 4% QoQ
German American Bancorp's EPS has decreased by 2.7% YoY but it has increased by 2.5% from the previous quarter
The debt has grown by 8% year-on-year and by 2.9% since the previous quarter
The P/E is 4.9% above the 5-year quarterly average of 12.7
Key stats
What are the main financial stats of GABC
MarketValuationsEarnings
Shares outstanding
37.42M
Market cap
$1.34B
Enterprise value
$1.36B
Price to earnings (P/E)
12.64
Price to book (P/B)
1.49
Price to sales (P/S)
4.24
EV/EBIT
13.07
EV/EBITDA
12
EV/Sales
5.43
Revenue
$250.48M
Gross profit
$250.48M
Operating income
$104.1M
Net income
$83.81M
EBIT
$104.1M
EBITDA
$113.38M
Free cash flow
$90.72M
Per shareBalance sheetLiquidity
EPS
$2.83
EPS diluted
$2.83
Free cash flow per share
$3.06
Book value per share
$24.09
Revenue per share
$8.44
TBVPS
$205.97
Total assets
$6.3B
Total liabilities
$5.58B
Debt
$210.13M
Equity
$715.07M
Working capital
N/A
Debt to equity
0.29
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.19
MarginsEfficiencyDividend
EBITDA margin
45.3%
Gross margin
100%
Net margin
33.5%
Operating margin
41.6%
Return on assets
1.3%
Return on equity
12%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
41.6%
Dividend yield
3.07%
DPS
$1.1
Payout ratio
38.9%
GABC stock price
How has the German American Bancorp stock price performed over time
Intraday
-5.07%
1 week
-6.41%
1 month
-11.11%
1 year
7.58%
YTD
-11.04%
QTD
-4.59%
Financial performance
How have German American Bancorp's revenue and profit performed over time
Revenue
$250.48M
Gross profit
$250.48M
Operating income
$104.1M
Net income
$83.81M
Gross margin
100%
Net margin
33.5%
GABC financials
GABC's operating income is up by 3.2% since the previous quarter
The net margin has declined by 3.2% year-on-year
German American Bancorp's net income has decreased by 2.4% YoY but it has increased by 2.1% QoQ
Growth
What is German American Bancorp's growth rate over time
GABC growth chart
Valuation
What is German American Bancorp stock price valuation
P/E
12.64
P/B
1.49
P/S
4.24
EV/EBIT
13.07
EV/EBITDA
12
EV/Sales
5.43
Price to earnings (P/E)
The P/E is 4.9% above the 5-year quarterly average of 12.7
German American Bancorp's EPS has decreased by 2.7% YoY but it has increased by 2.5% from the previous quarter
Price to book (P/B)
GABC's equity is up by 8% YoY but it is down by 4% QoQ
GABC's P/B is 2.5% below its 5-year quarterly average of 1.6 and 2.5% below its last 4 quarters average of 1.6
Price to sales (P/S)
The P/S is 4% more than the 5-year quarterly average of 4.3
Efficiency
How efficient is German American Bancorp business performance
The ROE has contracted by 16% YoY
German American Bancorp's ROA has decreased by 7% YoY
Dividends
What is GABC's dividend history
DPS
$1.1
Dividend yield
3.07%
Payout ratio
38.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did German American Bancorp financials performed over time
Assets vs liabilities
German American Bancorp's total assets is 13% higher than its total liabilities
German American Bancorp's total assets has increased by 2.3% YoY
Debt vs equity
The debt is 71% smaller than the equity
GABC's equity is up by 8% YoY but it is down by 4% QoQ
The debt has grown by 8% year-on-year and by 2.9% since the previous quarter
Balance sheet
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from 
and Sharadar.