German American Bancorp Statistics
Total Valuation
GABC has a market cap or net worth of $1.49 billion. The enterprise value is $1.45 billion.
Important Dates
The last earnings date was Monday, October 27, 2025, after market close.
| Earnings Date | Oct 27, 2025 |
| Ex-Dividend Date | Nov 10, 2025 |
Share Statistics
GABC has 37.49 million shares outstanding. The number of shares has increased by 17.58% in one year.
| Current Share Class | 37.49M |
| Shares Outstanding | 37.49M |
| Shares Change (YoY) | +17.58% |
| Shares Change (QoQ) | +0.04% |
| Owned by Insiders (%) | 4.05% |
| Owned by Institutions (%) | 52.47% |
| Float | 35.85M |
Valuation Ratios
The trailing PE ratio is 13.85 and the forward PE ratio is 10.96.
| PE Ratio | 13.85 |
| Forward PE | 10.96 |
| PS Ratio | 4.48 |
| Forward PS | 3.84 |
| PB Ratio | 1.35 |
| P/TBV Ratio | 2.11 |
| P/FCF Ratio | 10.59 |
| P/OCF Ratio | 10.28 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.52 |
| EV / Sales | 4.65 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.32 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.57 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.75%.
| Return on Equity (ROE) | 10.75% |
| Return on Assets (ROA) | 1.37% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $306,642 |
| Profits Per Employee | $98,199 |
| Employee Count | 1,020 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, GABC has paid $24.77 million in taxes.
| Income Tax | 24.77M |
| Effective Tax Rate | 19.83% |
Stock Price Statistics
The stock price has decreased by -12.47% in the last 52 weeks. The beta is 0.66, so GABC's price volatility has been lower than the market average.
| Beta (5Y) | 0.66 |
| 52-Week Price Change | -12.47% |
| 50-Day Moving Average | 39.19 |
| 200-Day Moving Average | 38.97 |
| Relative Strength Index (RSI) | 59.27 |
| Average Volume (20 Days) | 91,555 |
Short Selling Information
The latest short interest is 1.33 million, so 3.56% of the outstanding shares have been sold short.
| Short Interest | 1.33M |
| Short Previous Month | 1.35M |
| Short % of Shares Out | 3.56% |
| Short % of Float | 3.72% |
| Short Ratio (days to cover) | 13.20 |
Income Statement
In the last 12 months, GABC had revenue of $312.78 million and earned $100.16 million in profits. Earnings per share was $2.87.
| Revenue | 312.78M |
| Gross Profit | 312.78M |
| Operating Income | 136.75M |
| Pretax Income | 124.94M |
| Net Income | 100.16M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.87 |
Full Income StatementBalance Sheet
The company has $260.93 million in cash and $221.65 million in debt, giving a net cash position of $39.28 million or $1.05 per share.
| Cash & Cash Equivalents | 260.93M |
| Total Debt | 221.65M |
| Net Cash | 39.28M |
| Net Cash Per Share | $1.05 |
| Equity (Book Value) | 1.12B |
| Book Value Per Share | 29.86 |
| Working Capital | -6.76B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $145.34 million and capital expenditures -$4.32 million, giving a free cash flow of $141.02 million.
| Operating Cash Flow | 145.34M |
| Capital Expenditures | -4.32M |
| Free Cash Flow | 141.02M |
| FCF Per Share | $3.76 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 43.72% |
| Pretax Margin | 39.94% |
| Profit Margin | 32.02% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 45.09% |
Dividends & Yields
This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 2.91%.
| Dividend Per Share | $1.16 |
| Dividend Yield | 2.91% |
| Dividend Growth (YoY) | 7.41% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 40.35% |
| Buyback Yield | -17.58% |
| Shareholder Yield | -14.67% |
| Earnings Yield | 6.70% |
| FCF Yield | 9.44% |
Dividend DetailsAnalyst Forecast
The average price target for GABC is $45.50, which is 14.24% higher than the current price. The consensus rating is "Hold".
| Price Target | $45.50 |
| Price Target Difference | 14.24% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 |
