German American Bancorp, Inc. (GABC)

German American Bancorp Statistics

Total Valuation

GABC has a market cap or net worth of $1.18 billion. The enterprise value is $1.19 billion.

Market Cap	1.18B
Enterprise Value	1.19B

Important Dates

The next estimated earnings date is Friday, January 31, 2025, after market close.

Earnings Date	Jan 31, 2025
Ex-Dividend Date	Nov 8, 2024

Share Statistics

GABC has 29.68 million shares outstanding. The number of shares has increased by 0.32% in one year.

Current Share Class	29.68M
Shares Outstanding	29.68M
Shares Change (YoY)	+0.32%
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	4.45%
Owned by Institutions (%)	53.79%
Float	28.23M

Valuation Ratios

The trailing PE ratio is 14.35 and the forward PE ratio is 13.15.

PE Ratio	14.35
Forward PE	13.15
PS Ratio	4.77
Forward PS	3.63
PB Ratio	1.58
P/TBV Ratio	2.10
P/FCF Ratio	12.82
P/OCF Ratio	12.21
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.52
EV / Sales	4.82
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.96

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.33
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.80%.

Return on Equity (ROE)	12.80%
Return on Assets (ROA)	1.34%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$294,233
Profits Per Employee	$97,746
Employee Count	840
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, GABC has paid $18.78 million in taxes.

Income Tax	18.78M
Effective Tax Rate	18.61%

Stock Price Statistics

The stock price has increased by +29.78% 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	+29.78%
50-Day Moving Average	42.97
200-Day Moving Average	37.92
Relative Strength Index (RSI)	43.98
Average Volume (20 Days)	118,785

Short Selling Information

The latest short interest is 1.65 million, so 5.55% of the outstanding shares have been sold short.

Short Interest	1.65M
Short Previous Month	1.75M
Short % of Shares Out	5.55%
Short % of Float	5.84%
Short Ratio (days to cover)	14.45

Income Statement

In the last 12 months, GABC had revenue of $247.16 million and earned $82.11 million in profits. Earnings per share was $2.77.

Revenue	247.16M
Gross Profit	247.16M
Operating Income	106.01M
Pretax Income	101.28M
Net Income	82.11M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.77

Balance Sheet

The company has $201.86 million in cash and $214.61 million in debt, giving a net cash position of -$12.75 million or -$0.43 per share.

Cash & Cash Equivalents	201.86M
Total Debt	214.61M
Net Cash	-12.75M
Net Cash Per Share	-$0.43
Equity (Book Value)	744.56M
Book Value Per Share	25.09
Working Capital	-5.10B

Cash Flow

In the last 12 months, operating cash flow was $96.65 million and capital expenditures -$4.64 million, giving a free cash flow of $92.01 million.

Operating Cash Flow	96.65M
Capital Expenditures	-4.64M
Free Cash Flow	92.01M
FCF Per Share	$3.10

Margins

Gross Margin	n/a
Operating Margin	42.89%
Pretax Margin	40.82%
Profit Margin	33.22%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	37.23%

Dividends & Yields

This stock pays an annual dividend of $1.08, which amounts to a dividend yield of 2.72%.

Dividend Per Share	$1.08
Dividend Yield	2.72%
Dividend Growth (YoY)	8.00%
Years of Dividend Growth	12
Payout Ratio	38.99%
Buyback Yield	-0.32%
Shareholder Yield	2.39%
Earnings Yield	6.96%
FCF Yield	7.80%

Analyst Forecast

The average price target for GABC is $44.75, which is 12.58% higher than the current price. The consensus rating is "Buy".

Price Target	$44.75
Price Target Difference	12.58%
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