German American Bancorp, Inc. (GABC)

German American Bancorp Statistics

Total Valuation

GABC has a market cap or net worth of $1.40 billion. The enterprise value is $1.43 billion.

Market Cap	1.40B
Enterprise Value	1.43B

Important Dates

The next estimated earnings date is Monday, April 28, 2025, after market close.

Earnings Date	Apr 28, 2025
Ex-Dividend Date	Feb 10, 2025

Share Statistics

GABC has 37.42 million shares outstanding. The number of shares has increased by 0.33% in one year.

Current Share Class	37.42M
Shares Outstanding	37.42M
Shares Change (YoY)	+0.33%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	4.10%
Owned by Institutions (%)	43.75%
Float	35.76M

Valuation Ratios

The trailing PE ratio is 13.27 and the forward PE ratio is 11.44.

PE Ratio	13.27
Forward PE	11.44
PS Ratio	4.46
Forward PS	3.92
PB Ratio	1.56
P/TBV Ratio	2.64
P/FCF Ratio	15.47
P/OCF Ratio	14.65
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	17.05
EV / Sales	5.70
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.75

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.44
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.16%.

Return on Equity (ROE)	12.16%
Return on Assets (ROA)	1.35%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$245,565
Profits Per Employee	$82,168
Employee Count	1,020
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, GABC has paid $20.29 million in taxes.

Income Tax	20.29M
Effective Tax Rate	19.49%

Stock Price Statistics

The stock price has increased by +8.99% in the last 52 weeks. The beta is 0.59, so GABC's price volatility has been lower than the market average.

Beta (5Y)	0.59
52-Week Price Change	+8.99%
50-Day Moving Average	39.49
200-Day Moving Average	39.65
Relative Strength Index (RSI)	38.90
Average Volume (20 Days)	139,583

Short Selling Information

The latest short interest is 897,387, so 2.40% of the outstanding shares have been sold short.

Short Interest	897,387
Short Previous Month	926,498
Short % of Shares Out	2.40%
Short % of Float	2.51%
Short Ratio (days to cover)	7.72

Income Statement

In the last 12 months, GABC had revenue of $250.48 million and earned $83.81 million in profits. Earnings per share was $2.83.

Revenue	250.48M
Gross Profit	250.48M
Operating Income	109.04M
Pretax Income	101.28M
Net Income	83.81M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.83

Balance Sheet

The company has $195.73 million in cash and $221.09 million in debt, giving a net cash position of -$25.36 million or -$0.68 per share.

Cash & Cash Equivalents	195.73M
Total Debt	221.09M
Net Cash	-25.36M
Net Cash Per Share	-$0.68
Equity (Book Value)	715.07M
Book Value Per Share	24.09
Working Capital	-5.17B

Cash Flow

In the last 12 months, operating cash flow was $95.76 million and capital expenditures -$5.05 million, giving a free cash flow of $90.72 million.

Operating Cash Flow	95.76M
Capital Expenditures	-5.05M
Free Cash Flow	90.72M
FCF Per Share	$2.42

Margins

Gross Margin	n/a
Operating Margin	43.53%
Pretax Margin	41.56%
Profit Margin	33.46%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	36.22%

Dividends & Yields

This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 3.09%.

Dividend Per Share	$1.16
Dividend Yield	3.09%
Dividend Growth (YoY)	7.84%
Years of Dividend Growth	10
Payout Ratio	41.05%
Buyback Yield	-0.33%
Shareholder Yield	2.73%
Earnings Yield	5.97%
FCF Yield	6.46%

Analyst Forecast

The average price target for GABC is $46.00, which is 22.67% higher than the current price. The consensus rating is "Buy".

Price Target	$46.00
Price Target Difference	22.67%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on April 24, 2017. It was a forward split with a ratio of 1.5:1.

Last Split Date	Apr 24, 2017
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4