German American Bancorp Statistics
Total Valuation
GABC has a market cap or net worth of $1.83 billion. The enterprise value is $1.91 billion.
| Market Cap | 1.83B |
| Enterprise Value | 1.91B |
Important Dates
The next estimated earnings date is Monday, October 26, 2026, after market close.
| Earnings Date | Oct 26, 2026 |
| Ex-Dividend Date | Aug 10, 2026 |
Share Statistics
GABC has 37.58 million shares outstanding. The number of shares has increased by 14.11% in one year.
| Current Share Class | 37.58M |
| Shares Outstanding | 37.58M |
| Shares Change (YoY) | +14.11% |
| Shares Change (QoQ) | +0.12% |
| Owned by Insiders (%) | 2.58% |
| Owned by Institutions (%) | 53.73% |
| Float | 36.48M |
Valuation Ratios
The trailing PE ratio is 12.85 and the forward PE ratio is 12.08.
| PE Ratio | 12.85 |
| Forward PE | 12.08 |
| PS Ratio | 4.81 |
| Forward PS | 4.41 |
| PB Ratio | 1.51 |
| P/TBV Ratio | 2.26 |
| P/FCF Ratio | 10.02 |
| P/OCF Ratio | 9.64 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.42 |
| EV / Sales | 5.02 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.45 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.97 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.46%.
| Return on Equity (ROE) | 12.46% |
| Return on Assets (ROA) | 1.70% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.73% |
| Revenue Per Employee | $385,925 |
| Profits Per Employee | $144,391 |
| Employee Count | 984 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, GABC has paid $35.27 million in taxes.
| Income Tax | 35.27M |
| Effective Tax Rate | 19.89% |
Stock Price Statistics
The stock price has increased by +20.64% in the last 52 weeks. The beta is 0.57, so GABC's price volatility has been lower than the market average.
| Beta (5Y) | 0.57 |
| 52-Week Price Change | +20.64% |
| 50-Day Moving Average | 49.74 |
| 200-Day Moving Average | 44.44 |
| Relative Strength Index (RSI) | 39.05 |
| Average Volume (20 Days) | 130,395 |
Short Selling Information
The latest short interest is 1.22 million, so 3.26% of the outstanding shares have been sold short.
| Short Interest | 1.22M |
| Short Previous Month | 1.19M |
| Short % of Shares Out | 3.26% |
| Short % of Float | 3.35% |
| Short Ratio (days to cover) | 9.37 |
Income Statement
In the last 12 months, GABC had revenue of $379.75 million and earned $142.08 million in profits. Earnings per share was $3.79.
| Revenue | 379.75M |
| Gross Profit | 379.75M |
| Operating Income | 186.97M |
| Pretax Income | 177.35M |
| Net Income | 142.08M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.79 |
Balance Sheet
The company has $97.95 million in cash and $177.47 million in debt, with a net cash position of -$79.52 million or -$2.12 per share.
| Cash & Cash Equivalents | 97.95M |
| Total Debt | 177.47M |
| Net Cash | -79.52M |
| Net Cash Per Share | -$2.12 |
| Equity (Book Value) | 1.21B |
| Book Value Per Share | 32.24 |
| Working Capital | -6.94B |
Cash Flow
In the last 12 months, operating cash flow was $189.63 million and capital expenditures -$7.23 million, giving a free cash flow of $182.40 million.
| Operating Cash Flow | 189.63M |
| Capital Expenditures | -7.23M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -32.71M |
| Free Cash Flow | 182.40M |
| FCF Per Share | $4.85 |
Margins
| Gross Margin | n/a |
| Operating Margin | 49.23% |
| Pretax Margin | 46.70% |
| Profit Margin | 37.41% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 48.03% |
Dividends & Yields
This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 2.55%.
| Dividend Per Share | $1.24 |
| Dividend Yield | 2.55% |
| Dividend Growth (YoY) | 7.02% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 32.75% |
| FCF Payout Ratio | 25.55% |
| Buyback Yield | -14.11% |
| Shareholder Yield | -11.56% |
| Earnings Yield | 7.78% |
| FCF Yield | 9.98% |
Analyst Forecast
The average price target for GABC is $56.20, which is 15.54% higher than the current price. The consensus rating is "Buy".
| Price Target | $56.20 |
| Price Target Difference | 15.54% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 7.90% |
| EPS Growth Forecast (3Y) | 10.12% |
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 | 4 |