German American Bancorp Statistics

Total Valuation

GABC has a market cap or net worth of $1.47 billion. The enterprise value is $1.60 billion.

Market Cap	1.47B
Enterprise Value	1.60B

Important Dates

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

Earnings Date	Apr 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 (%)	45.06%
Float	35.82M

Valuation Ratios

The trailing PE ratio is 16.05 and the forward PE ratio is 11.25.

PE Ratio	16.05
Forward PE	11.25
PS Ratio	4.71
Forward PS	3.94
PB Ratio	1.40
P/TBV Ratio	2.33
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	21.28
EV / Sales	6.24
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 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 +21.66% 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	+21.66%
50-Day Moving Average	37.47
200-Day Moving Average	39.84
Relative Strength Index (RSI)	65.47
Average Volume (20 Days)	107,359

Short Selling Information

The latest short interest is 1.06 million, so 2.83% of the outstanding shares have been sold short.

Short Interest	1.06M
Short Previous Month	1.07M
Short % of Shares Out	2.83%
Short % of Float	2.96%
Short Ratio (days to cover)	6.86

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	99.19M
Pretax Income	101.28M
Net Income	75.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.43

Full Income Statement

Balance Sheet

The company has $79.11 million in cash and $216.54 million in debt, giving a net cash position of -$137.43 million or -$3.67 per share.

Cash & Cash Equivalents	79.11M
Total Debt	216.54M
Net Cash	-137.43M
Net Cash Per Share	-$3.67
Equity (Book Value)	1.05B
Book Value Per Share	27.91
Working Capital	-7.01B

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	38.65%
Pretax Margin	36.72%
Profit Margin	29.34%
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 2.97%.

Dividend Per Share	$1.16
Dividend Yield	2.97%
Dividend Growth (YoY)	7.69%
Years of Dividend Growth	10
Payout Ratio	47.64%
Buyback Yield	-4.55%
Shareholder Yield	-1.58%
Earnings Yield	5.14%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for GABC is $44.50, which is 13.84% higher than the current price. The consensus rating is "Buy".

Price Target	$44.50
Price Target Difference	13.84%
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