German American Bancorp Statistics

Total Valuation

GABC has a market cap or net worth of $1.17 billion. The enterprise value is $1.31 billion.

Market Cap	1.17B
Enterprise Value	1.31B

Important Dates

The last earnings date was Monday, January 27, 2025, after market close.

Earnings Date	Jan 27, 2025
Ex-Dividend Date	Feb 10, 2025

Share Statistics

GABC has 29.68 million shares outstanding. The number of shares has increased by 0.33% in one year.

Current Share Class	29.68M
Shares Outstanding	29.68M
Shares Change (YoY)	+0.33%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	4.88%
Owned by Institutions (%)	55.08%
Float	28.10M

Valuation Ratios

The trailing PE ratio is 13.90 and the forward PE ratio is 12.02.

PE Ratio	13.90
Forward PE	12.02
PS Ratio	4.65
Forward PS	3.26
PB Ratio	1.63
P/TBV Ratio	2.19
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	15.59
EV / Sales	5.22
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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	$298,186
Profits Per Employee	$99,775
Employee Count	840
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 +19.62% in the last 52 weeks. The beta is 0.64, so GABC's price volatility has been lower than the market average.

Beta (5Y)	0.64
52-Week Price Change	+19.62%
50-Day Moving Average	40.73
200-Day Moving Average	38.84
Relative Strength Index (RSI)	39.78
Average Volume (20 Days)	133,846

Short Selling Information

The latest short interest is 1.72 million, so 5.80% of the outstanding shares have been sold short.

Short Interest	1.72M
Short Previous Month	1.70M
Short % of Shares Out	5.80%
Short % of Float	6.13%
Short Ratio (days to cover)	15.44

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	104.10M
Pretax Income	101.28M
Net Income	83.81M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.83

Full Income Statement

Balance Sheet

The company has $69.25 million in cash and $210.13 million in debt, giving a net cash position of -$140.88 million or -$4.75 per share.

Cash & Cash Equivalents	69.25M
Total Debt	210.13M
Net Cash	-140.88M
Net Cash Per Share	-$4.75
Equity (Book Value)	715.07M
Book Value Per Share	24.09
Working Capital	-5.25B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

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

Dividends & Yields

This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 2.95%.

Dividend Per Share	$1.16
Dividend Yield	2.95%
Dividend Growth (YoY)	7.84%
Years of Dividend Growth	10
Payout Ratio	41.05%
Buyback Yield	-0.33%
Shareholder Yield	2.62%
Earnings Yield	7.19%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for GABC is $46.00, which is 17.14% higher than the current price. The consensus rating is "Buy".

Price Target	$46.00
Price Target Difference	17.14%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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	2