GERMAN AMERICAN BANCORP (GABC) Fundamental Analysis & Valuation

NASDAQ:GABC • US3738651047

Current stock price

43.33 USD
-0.82 (-1.86%)
At close:
43.33 USD
0 (0%)
After Hours:

This GABC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GABC Profitability Analysis

1.1 Basic Checks

  • In the past year GABC was profitable.
  • GABC had a positive operating cash flow in the past year.
  • Each year in the past 5 years GABC has been profitable.
  • In the past 5 years GABC always reported a positive cash flow from operatings.
GABC Yearly Net Income VS EBIT VS OCF VS FCFGABC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • The Return On Assets of GABC (1.34%) is better than 81.65% of its industry peers.
  • GABC has a Return On Equity of 9.69%. This is comparable to the rest of the industry: GABC outperforms 56.38% of its industry peers.
Industry RankSector Rank
ROA 1.34%
ROE 9.69%
ROIC N/A
ROA(3y)1.36%
ROA(5y)1.38%
ROE(3y)11.45%
ROE(5y)12.32%
ROIC(3y)N/A
ROIC(5y)N/A
GABC Yearly ROA, ROE, ROICGABC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • With a decent Profit Margin value of 31.16%, GABC is doing good in the industry, outperforming 79.26% of the companies in the same industry.
  • GABC's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for GABC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.36%
PM growth 5Y0.99%
GM growth 3YN/A
GM growth 5YN/A
GABC Yearly Profit, Operating, Gross MarginsGABC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. GABC Health Analysis

2.1 Basic Checks

  • GABC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for GABC has been increased compared to 1 year ago.
  • GABC has more shares outstanding than it did 5 years ago.
  • GABC has a better debt/assets ratio than last year.
GABC Yearly Shares OutstandingGABC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
GABC Yearly Total Debt VS Total AssetsGABC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of GABC is 0.01, which is an excellent value as it means it would take GABC, only 0.01 years of fcf income to pay off all of its debts.
  • GABC's Debt to FCF ratio of 0.01 is amongst the best of the industry. GABC outperforms 90.43% of its industry peers.
  • A Debt/Equity ratio of 0.00 indicates that GABC is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.00, GABC belongs to the best of the industry, outperforming 88.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z N/A
ROIC/WACCN/A
WACC13.42%
GABC Yearly LT Debt VS Equity VS FCFGABC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GABC Yearly Current Assets VS Current LiabilitesGABC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. GABC Growth Analysis

3.1 Past

  • GABC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.62%, which is quite impressive.
  • Measured over the past years, GABC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.48% on average per year.
  • GABC shows a strong growth in Revenue. In the last year, the Revenue has grown by 42.72%.
  • Measured over the past years, GABC shows a quite strong growth in Revenue. The Revenue has been growing by 11.50% on average per year.
EPS 1Y (TTM)25.62%
EPS 3Y2.9%
EPS 5Y8.48%
EPS Q2Q%23.08%
Revenue 1Y (TTM)42.72%
Revenue growth 3Y11.65%
Revenue growth 5Y11.5%
Sales Q2Q%47.35%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.26% on average over the next years.
  • GABC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.96% yearly.
EPS Next Y8.92%
EPS Next 2Y7.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.98%
Revenue Next 2Y5.96%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GABC Yearly Revenue VS EstimatesGABC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
GABC Yearly EPS VS EstimatesGABC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. GABC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.27, GABC is valued correctly.
  • GABC's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.71, GABC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.27, which indicates a very decent valuation of GABC.
  • GABC's Price/Forward Earnings ratio is in line with the industry average.
  • GABC is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.09, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.27
Fwd PE 11.27
GABC Price Earnings VS Forward Price EarningsGABC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, GABC is valued a bit cheaper than the industry average as 67.29% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.57
EV/EBITDA N/A
GABC Per share dataGABC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • GABC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.38
PEG (5Y)1.45
EPS Next 2Y7.26%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. GABC Dividend Analysis

5.1 Amount

  • GABC has a Yearly Dividend Yield of 2.87%.
  • Compared to an average industry Dividend Yield of 2.57, GABC has a dividend in line with its industry peers.
  • GABC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.87%

5.2 History

  • The dividend of GABC is nicely growing with an annual growth rate of 11.27%!
  • GABC has paid a dividend for at least 10 years, which is a reliable track record.
  • GABC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.27%
Div Incr Years13
Div Non Decr Years23
GABC Yearly Dividends per shareGABC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 38.42% of the earnings are spent on dividend by GABC. This is a low number and sustainable payout ratio.
  • GABC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP38.42%
EPS Next 2Y7.26%
EPS Next 3YN/A
GABC Yearly Income VS Free CF VS DividendGABC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
GABC Dividend Payout.GABC Dividend Payout, showing the Payout Ratio.GABC Dividend Payout.PayoutRetained Earnings

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GABC Fundamentals: All Metrics, Ratios and Statistics

GERMAN AMERICAN BANCORP

NASDAQ:GABC (4/21/2026, 8:00:01 PM)

After market: 43.33 0 (0%)

43.33

-0.82 (-1.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners52.76%
Inst Owner Change-0.3%
Ins Owners2.93%
Ins Owner Change2.33%
Market Cap1.63B
Revenue(TTM)361.44M
Net Income(TTM)112.64M
Analysts80
Price Target49.37 (13.94%)
Short Float %3.33%
Short Ratio7.27
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
Yearly Dividend1.29
Dividend Growth(5Y)11.27%
DP38.42%
Div Incr Years13
Div Non Decr Years23
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.63%
Min EPS beat(2)3.26%
Max EPS beat(2)4%
EPS beat(4)4
Avg EPS beat(4)6.7%
Min EPS beat(4)2.32%
Max EPS beat(4)17.2%
EPS beat(8)6
Avg EPS beat(8)4.88%
EPS beat(12)9
Avg EPS beat(12)3.71%
EPS beat(16)11
Avg EPS beat(16)3.92%
Revenue beat(2)0
Avg Revenue beat(2)-0.2%
Min Revenue beat(2)-0.3%
Max Revenue beat(2)-0.1%
Revenue beat(4)1
Avg Revenue beat(4)-0.59%
Min Revenue beat(4)-2.29%
Max Revenue beat(4)0.32%
Revenue beat(8)2
Avg Revenue beat(8)-1.06%
Revenue beat(12)2
Avg Revenue beat(12)-4.06%
Revenue beat(16)3
Avg Revenue beat(16)-3.61%
PT rev (1m)2.25%
PT rev (3m)5.22%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)2.71%
EPS NY rev (1m)0.02%
EPS NY rev (3m)2.8%
Revenue NQ rev (1m)-0.21%
Revenue NQ rev (3m)2.39%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)1.65%
Valuation
Industry RankSector Rank
PE 12.27
Fwd PE 11.27
P/S 4.51
P/FCF 10.57
P/OCF 10.22
P/B 1.4
P/tB 2.16
EV/EBITDA N/A
EPS(TTM)3.53
EY8.15%
EPS(NY)3.84
Fwd EY8.87%
FCF(TTM)4.1
FCFY9.46%
OCF(TTM)4.24
OCFY9.78%
SpS9.62
BVpS30.93
TBVpS20.04
PEG (NY)1.38
PEG (5Y)1.45
Graham Number49.5637 (14.39%)
Profitability
Industry RankSector Rank
ROA 1.34%
ROE 9.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.16%
GM N/A
FCFM 42.61%
ROA(3y)1.36%
ROA(5y)1.38%
ROE(3y)11.45%
ROE(5y)12.32%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.36%
PM growth 5Y0.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 28.4%
Cap/Sales 1.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.42%
ROIC/WACCN/A
Cap/Depr(3y)47.63%
Cap/Depr(5y)54.91%
Cap/Sales(3y)1.92%
Cap/Sales(5y)2.19%
Profit Quality(3y)121.04%
Profit Quality(5y)120.44%
High Growth Momentum
Growth
EPS 1Y (TTM)25.62%
EPS 3Y2.9%
EPS 5Y8.48%
EPS Q2Q%23.08%
EPS Next Y8.92%
EPS Next 2Y7.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)42.72%
Revenue growth 3Y11.65%
Revenue growth 5Y11.5%
Sales Q2Q%47.35%
Revenue Next Year7.98%
Revenue Next 2Y5.96%
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 1Y69.76%
FCF growth 3Y14.68%
FCF growth 5Y12.54%
OCF growth 1Y66.36%
OCF growth 3Y13.14%
OCF growth 5Y11.51%

GERMAN AMERICAN BANCORP / GABC Fundamental Analysis FAQ

What is the fundamental rating for GABC stock?

ChartMill assigns a fundamental rating of 5 / 10 to GABC.


What is the valuation status for GABC stock?

ChartMill assigns a valuation rating of 5 / 10 to GERMAN AMERICAN BANCORP (GABC). This can be considered as Fairly Valued.


Can you provide the profitability details for GERMAN AMERICAN BANCORP?

GERMAN AMERICAN BANCORP (GABC) has a profitability rating of 4 / 10.


What is the earnings growth outlook for GERMAN AMERICAN BANCORP?

The Earnings per Share (EPS) of GERMAN AMERICAN BANCORP (GABC) is expected to grow by 8.92% in the next year.


Is the dividend of GERMAN AMERICAN BANCORP sustainable?

The dividend rating of GERMAN AMERICAN BANCORP (GABC) is 7 / 10 and the dividend payout ratio is 38.42%.