GERMAN AMERICAN BANCORP (GABC) Stock Fundamental Analysis
NASDAQ:GABC - Nasdaq - US3738651047 - Common Stock - Currency: USD
Taking everything into account, GABC scores 5 out of 10 in our fundamental rating. GABC was compared to 404 industry peers in the Banks industry. GABC has only an average score on both its financial health and profitability. GABC has a decent growth rate and is not valued too expensively. Finally GABC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GABC was profitable.
In the past year GABC had a positive cash flow from operations.
GABC had positive earnings in each of the past 5 years.
GABC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
GABC has a better Return On Assets (1.31%) than 85.43% of its industry peers.
Looking at the Return On Equity, with a value of 11.03%, GABC is in the better half of the industry, outperforming 78.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 11.03% | ||
| ROIC | N/A |
ROA(3y)1.35%
ROA(5y)1.36%
ROE(3y)13.1%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GABC has a Profit Margin of 32.93%. This is amongst the best in the industry. GABC outperforms 88.44% of its industry peers.
In the last couple of years the Profit Margin of GABC has remained more or less at the same level.
GABC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 32.93% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.65%
PM growth 5Y1.29%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GABC does not have a ROIC to compare to the WACC, probably because it is not profitable.
GABC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for GABC has been increased compared to 5 years ago.
GABC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
The Debt to FCF ratio of GABC is 0.03, which is an excellent value as it means it would take GABC, only 0.03 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GABC (0.03) is better than 89.95% of its industry peers.
GABC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
GABC's Debt to Equity ratio of 0.00 is amongst the best of the industry. GABC outperforms 87.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GABC have decreased by -3.77% in the last year.
GABC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.64% yearly.
GABC shows a small growth in Revenue. In the last year, the Revenue has grown by 1.02%.
GABC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.84% yearly.
EPS 1Y (TTM)-3.77%
EPS 3Y-4.04%
EPS 5Y3.64%
EPS Q2Q%6.85%
Revenue 1Y (TTM)1.02%
Revenue growth 3Y4.76%
Revenue growth 5Y5.84%
Sales Q2Q%6.45%
3.2 Future
Based on estimates for the next years, GABC will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.42% on average per year.
The Revenue is expected to grow by 22.00% on average over the next years. This is a very strong growth
EPS Next Y18.64%
EPS Next 2Y15.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year38.23%
Revenue Next 2Y22%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.11, GABC is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of GABC is on the same level as its industry peers.
GABC is valuated cheaply when we compare the Price/Earnings ratio to 30.42, which is the current average of the S&P500 Index.
GABC is valuated reasonably with a Price/Forward Earnings ratio of 11.89.
GABC's Price/Forward Earnings ratio is in line with the industry average.
GABC's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.75.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.11 | ||
| Fwd PE | 11.89 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GABC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as GABC's earnings are expected to grow with 15.42% in the coming years.
PEG (NY)0.76
PEG (5Y)3.88
EPS Next 2Y15.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.86%, GABC has a reasonable but not impressive dividend return.
GABC's Dividend Yield is comparable with the industry average which is at 3.16.
Compared to an average S&P500 Dividend Yield of 2.30, GABC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
5.2 History
The dividend of GABC is nicely growing with an annual growth rate of 11.10%!
GABC has paid a dividend for at least 10 years, which is a reliable track record.
GABC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.1%
Div Incr Years12
Div Non Decr Years22
5.3 Sustainability
GABC pays out 38.02% of its income as dividend. This is a sustainable payout ratio.
GABC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP38.02%
EPS Next 2Y15.42%
EPS Next 3YN/A
NASDAQ:GABC (2/20/2025, 2:38:54 PM)
39.64
-0.31 (-0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.97%
Inst Owner Change2.49%
Ins Owners3.36%
Ins Owner Change0.04%
Market Cap1.48B
Analysts78.33
Price Target49.3 (24.37%)
Short Float %4.79%
Short Ratio14.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.86% |
Yearly Dividend1
Dividend Growth(5Y)11.1%
DP38.02%
Div Incr Years12
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.95%
Min EPS beat(2)-0.8%
Max EPS beat(2)6.7%
EPS beat(4)2
Avg EPS beat(4)2.52%
Min EPS beat(4)-2.61%
Max EPS beat(4)6.78%
EPS beat(8)4
Avg EPS beat(8)0.74%
EPS beat(12)6
Avg EPS beat(12)2.11%
EPS beat(16)10
Avg EPS beat(16)7.5%
Revenue beat(2)1
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-4.18%
Max Revenue beat(2)3.47%
Revenue beat(4)1
Avg Revenue beat(4)-2.68%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)3.47%
Revenue beat(8)1
Avg Revenue beat(8)-6.3%
Revenue beat(12)3
Avg Revenue beat(12)-4.57%
Revenue beat(16)6
Avg Revenue beat(16)-2.68%
PT rev (1m)-1.7%
PT rev (3m)12.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.47%
EPS NY rev (1m)4.08%
EPS NY rev (3m)-0.29%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)2.11%
Revenue NY rev (3m)0.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.11 | ||
| Fwd PE | 11.89 | ||
| P/S | 5.95 | ||
| P/FCF | 16.13 | ||
| P/OCF | 15.35 | ||
| P/B | 1.99 | ||
| P/tB | 2.64 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY7.09%
EPS(NY)3.33
Fwd EY8.41%
FCF(TTM)2.46
FCFY6.2%
OCF(TTM)2.58
OCFY6.51%
SpS6.66
BVpS19.9
TBVpS14.99
PEG (NY)0.76
PEG (5Y)3.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 11.03% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.93% | ||
| GM | N/A | ||
| FCFM | 36.89% |
ROA(3y)1.35%
ROA(5y)1.36%
ROE(3y)13.1%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.65%
PM growth 5Y1.29%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.03 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 49.74% | ||
| Cap/Sales | 1.86% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 112.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC11.07%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.77%
EPS 3Y-4.04%
EPS 5Y3.64%
EPS Q2Q%6.85%
EPS Next Y18.64%
EPS Next 2Y15.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.02%
Revenue growth 3Y4.76%
Revenue growth 5Y5.84%
Sales Q2Q%6.45%
Revenue Next Year38.23%
Revenue Next 2Y22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-6.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-8.17%
OCF growth 3YN/A
OCF growth 5YN/A