German American Bancorp, Inc. (GABC)

German American Bancorp Statistics

Total Valuation

GABC has a market cap or net worth of $1.43 billion. The enterprise value is $1.21 billion.

Market Cap	1.43B
Enterprise Value	1.21B

Important Dates

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

Earnings Date	Jul 28, 2025
Ex-Dividend Date	May 9, 2025

Share Statistics

GABC has 37.48 million shares outstanding. The number of shares has increased by 4.55% in one year.

Current Share Class	37.48M
Shares Outstanding	37.48M
Shares Change (YoY)	+4.55%
Shares Change (QoQ)	+16.85%
Owned by Insiders (%)	4.09%
Owned by Institutions (%)	49.67%
Float	35.82M

Valuation Ratios

The trailing PE ratio is 15.70 and the forward PE ratio is 11.00.

PE Ratio	15.70
Forward PE	11.00
PS Ratio	4.60
Forward PS	3.86
PB Ratio	1.37
P/TBV Ratio	2.28
P/FCF Ratio	13.67
P/OCF Ratio	13.04
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	16.07
EV / Sales	4.72
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	11.55

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.16
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.85%.

Return on Equity (ROE)	8.85%
Return on Assets (ROA)	1.04%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$251,639
Profits Per Employee	$73,829
Employee Count	1,020
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, GABC has paid $18.95 million in taxes.

Income Tax	18.95M
Effective Tax Rate	20.10%

Stock Price Statistics

The stock price has increased by +22.11% 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	+22.11%
50-Day Moving Average	37.51
200-Day Moving Average	39.84
Relative Strength Index (RSI)	48.63
Average Volume (20 Days)	101,483

Short Selling Information

The latest short interest is 1.07 million, so 2.84% of the outstanding shares have been sold short.

Short Interest	1.07M
Short Previous Month	1.08M
Short % of Shares Out	2.84%
Short % of Float	2.97%
Short Ratio (days to cover)	9.91

Income Statement

In the last 12 months, GABC had revenue of $256.67 million and earned $75.31 million in profits. Earnings per share was $2.43.

Revenue	256.67M
Gross Profit	256.67M
Operating Income	103.52M
Pretax Income	101.28M
Net Income	75.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.43

Balance Sheet

The company has $448.46 million in cash and $226.49 million in debt, giving a net cash position of $221.98 million or $5.92 per share.

Cash & Cash Equivalents	448.46M
Total Debt	226.49M
Net Cash	221.98M
Net Cash Per Share	$5.92
Equity (Book Value)	1.05B
Book Value Per Share	27.91
Working Capital	-6.66B

Cash Flow

In the last 12 months, operating cash flow was $109.84 million and capital expenditures -$5.06 million, giving a free cash flow of $104.78 million.

Operating Cash Flow	109.84M
Capital Expenditures	-5.06M
Free Cash Flow	104.78M
FCF Per Share	$2.80

Margins

Gross Margin	n/a
Operating Margin	40.33%
Pretax Margin	36.72%
Profit Margin	29.34%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	40.82%

Dividends & Yields

This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 3.04%.

Dividend Per Share	$1.16
Dividend Yield	3.04%
Dividend Growth (YoY)	7.69%
Years of Dividend Growth	10
Payout Ratio	47.64%
Buyback Yield	-4.55%
Shareholder Yield	-1.53%
Earnings Yield	5.26%
FCF Yield	7.32%

Analyst Forecast

The average price target for GABC is $44.50, which is 16.43% higher than the current price. The consensus rating is "Buy".

Price Target	$44.50
Price Target Difference	16.43%
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