German American Bancorp Statistics
Total Valuation
GABC has a market cap or net worth of $1.47 billion. The enterprise value is $1.48 billion.
Important Dates
The last earnings date was Monday, July 28, 2025, after market close.
| Earnings Date | Jul 28, 2025 |
| Ex-Dividend Date | Aug 8, 2025 |
Share Statistics
GABC has 37.49 million shares outstanding. The number of shares has increased by 11.08% in one year.
| Current Share Class | 37.49M |
| Shares Outstanding | 37.49M |
| Shares Change (YoY) | +11.08% |
| Shares Change (QoQ) | +8.07% |
| Owned by Insiders (%) | 4.04% |
| Owned by Institutions (%) | 51.74% |
| Float | 35.85M |
Valuation Ratios
The trailing PE ratio is 15.02 and the forward PE ratio is 11.20.
| PE Ratio | 15.02 |
| Forward PE | 11.20 |
| PS Ratio | 4.60 |
| Forward PS | 3.91 |
| PB Ratio | 1.38 |
| P/TBV Ratio | 2.26 |
| P/FCF Ratio | 12.95 |
| P/OCF Ratio | 12.49 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 17.19 |
| EV / Sales | 5.27 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.00 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.85 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.80%.
| Return on Equity (ROE) | 9.80% |
| Return on Assets (ROA) | 1.19% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $275,579 |
| Profits Per Employee | $84,448 |
| Employee Count | 1,020 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, GABC has paid $20.69 million in taxes.
| Income Tax | 20.69M |
| Effective Tax Rate | 19.37% |
Stock Price Statistics
The stock price has increased by +6.47% in the last 52 weeks. The beta is 0.61, so GABC's price volatility has been lower than the market average.
| Beta (5Y) | 0.61 |
| 52-Week Price Change | +6.47% |
| 50-Day Moving Average | 39.20 |
| 200-Day Moving Average | 39.86 |
| Relative Strength Index (RSI) | 50.48 |
| Average Volume (20 Days) | 108,194 |
Short Selling Information
The latest short interest is 1.26 million, so 3.36% of the outstanding shares have been sold short.
| Short Interest | 1.26M |
| Short Previous Month | 1.30M |
| Short % of Shares Out | 3.36% |
| Short % of Float | 3.51% |
| Short Ratio (days to cover) | 9.66 |
Income Statement
In the last 12 months, GABC had revenue of $281.09 million and earned $86.14 million in profits. Earnings per share was $2.62.
| Revenue | 281.09M |
| Gross Profit | 281.09M |
| Operating Income | 116.95M |
| Pretax Income | 101.28M |
| Net Income | 86.14M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.62 |
Full Income StatementBalance Sheet
The company has $205.83 million in cash and $211.23 million in debt, giving a net cash position of -$5.40 million or -$0.14 per share.
| Cash & Cash Equivalents | 205.83M |
| Total Debt | 211.23M |
| Net Cash | -5.40M |
| Net Cash Per Share | -$0.14 |
| Equity (Book Value) | 1.07B |
| Book Value Per Share | 28.53 |
| Working Capital | -6.74B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $118.05 million and capital expenditures -$4.14 million, giving a free cash flow of $113.90 million.
| Operating Cash Flow | 118.05M |
| Capital Expenditures | -4.14M |
| Free Cash Flow | 113.90M |
| FCF Per Share | $3.04 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.60% |
| Pretax Margin | 38.00% |
| Profit Margin | 30.64% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 40.52% |
Dividends & Yields
This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 2.95%.
| Dividend Per Share | $1.16 |
| Dividend Yield | 2.95% |
| Dividend Growth (YoY) | 7.55% |
| Years of Dividend Growth | 12 |
| Payout Ratio | 43.52% |
| Buyback Yield | -11.08% |
| Shareholder Yield | -8.13% |
| Earnings Yield | 5.84% |
| FCF Yield | 7.72% |
Dividend DetailsAnalyst Forecast
The average price target for GABC is $45.33, which is 15.23% higher than the current price. The consensus rating is "Hold".
| Price Target | $45.33 |
| Price Target Difference | 15.23% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |