German American Bancorp, Inc. (GABC)

Accolade Statistics

Total Valuation

GABC has a market cap or net worth of $1.41 billion. The enterprise value is $1.51 billion.

Market Cap	1.41B
Enterprise Value	1.51B

Important Dates

The last earnings date was Monday, July 28, 2025, after market close.

Earnings Date	Jul 28, 2025
Ex-Dividend Date	Aug 8, 2025

Share Statistics

GABC has 37.49 million shares outstanding. The number of shares has increased by 11.03% in one year.

Current Share Class	37.49M
Shares Outstanding	37.49M
Shares Change (YoY)	+11.03%
Shares Change (QoQ)	+8.07%
Owned by Insiders (%)	3.99%
Owned by Institutions (%)	49.24%
Float	35.87M

Valuation Ratios

The trailing PE ratio is 14.35 and the forward PE ratio is 10.72.

PE Ratio	14.35
Forward PE	10.72
PS Ratio	4.40
Forward PS	3.75
PB Ratio	1.32
P/TBV Ratio	2.16
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	17.56
EV / Sales	5.38
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 9.80%.

Return on Equity (ROE)	9.80%
Return on Assets (ROA)	1.19%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$275,579
Profits Per Employee	$84,448
Employee Count	1,020
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, GABC has paid $20.69 million in taxes.

Income Tax	20.69M
Effective Tax Rate	19.37%

Stock Price Statistics

The stock price has decreased by -4.40% in the last 52 weeks. The beta is 0.61, so GABC's price volatility has been lower than the market average.

Beta (5Y)	0.61
52-Week Price Change	-4.40%
50-Day Moving Average	39.06
200-Day Moving Average	39.92
Relative Strength Index (RSI)	33.05
Average Volume (20 Days)	127,544

Short Selling Information

The latest short interest is 1.30 million, so 3.46% of the outstanding shares have been sold short.

Short Interest	1.30M
Short Previous Month	1.37M
Short % of Shares Out	3.46%
Short % of Float	3.61%
Short Ratio (days to cover)	5.54

Income Statement

In the last 12 months, GABC had revenue of $281.09 million and earned $86.14 million in profits. Earnings per share was $2.62.

Revenue	281.09M
Gross Profit	281.09M
Operating Income	111.77M
Pretax Income	101.28M
Net Income	86.14M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.62

Balance Sheet

The company has $99.87 million in cash and $202.03 million in debt, giving a net cash position of -$102.16 million or -$2.72 per share.

Cash & Cash Equivalents	99.87M
Total Debt	202.03M
Net Cash	-102.16M
Net Cash Per Share	-$2.72
Equity (Book Value)	1.07B
Book Value Per Share	28.53
Working Capital	-6.84B

Cash Flow

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

Margins

Gross Margin	n/a
Operating Margin	39.76%
Pretax Margin	38.00%
Profit Margin	30.64%
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 3.08%.

Dividend Per Share	$1.16
Dividend Yield	3.08%
Dividend Growth (YoY)	7.55%
Years of Dividend Growth	12
Payout Ratio	43.50%
Buyback Yield	-11.03%
Shareholder Yield	-7.94%
Earnings Yield	6.11%
FCF Yield	n/a

Analyst Forecast

The average price target for GABC is $45.33, which is 20.53% higher than the current price. The consensus rating is "Hold".

Price Target	$45.33
Price Target Difference	20.53%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2