GERMAN AMERICAN BANCORP (GABC) Stock Fundamental Analysis
USA - NASDAQ:GABC - US3738651047 - Common Stock
39.67 USD
+0.26 (+0.66%)
39.67 USD
0 (0%)
Overall GABC gets a fundamental rating of 5 out of 10. We evaluated GABC against 390 industry peers in the Banks industry. Both the profitability and the financial health of GABC get a neutral evaluation. Nothing too spectacular is happening here. GABC is growing strongly while it is still valued neutral. This is a good combination! Finally GABC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year GABC was profitable.
GABC had a positive operating cash flow in the past year.
GABC had positive earnings in each of the past 5 years.
In the past 5 years GABC always reported a positive cash flow from operatings.
1.2 Ratios
GABC has a better Return On Assets (1.04%) than 69.49% of its industry peers.
GABC has a Return On Equity (8.05%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 8.05% | ||
| 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
Looking at the Profit Margin, with a value of 28.82%, GABC is in the better half of the industry, outperforming 77.44% of the companies in the same industry.
In the last couple of years the Profit Margin of GABC has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for GABC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.82% | ||
| 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.
The number of shares outstanding for GABC has been increased compared to 1 year ago.
Compared to 5 years ago, GABC has more shares outstanding
GABC has a better debt/assets ratio than last year.
2.2 Solvency
GABC has a debt to FCF ratio of 0.02. This is a very positive value and a sign of high solvency as it would only need 0.02 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.02, GABC belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that GABC is not too dependend on debt financing.
GABC has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. GABC outperforms 86.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GABC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.38%, which is quite impressive.
Measured over the past 5 years, GABC shows a small growth in Earnings Per Share. The EPS has been growing by 3.64% on average per year.
The Revenue has grown by 32.61% in the past year. This is a very strong growth!
Measured over the past years, GABC shows a small growth in Revenue. The Revenue has been growing by 5.84% on average per year.
EPS 1Y (TTM)21.38%
EPS 3Y-4.04%
EPS 5Y3.64%
EPS Q2Q%29.58%
Revenue 1Y (TTM)32.61%
Revenue growth 3Y4.76%
Revenue growth 5Y5.84%
Sales Q2Q%50.9%
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 12.31% on average per year.
Based on estimates for the next years, GABC will show a quite strong growth in Revenue. The Revenue will grow by 16.89% on average per year.
EPS Next Y25.61%
EPS Next 2Y15.26%
EPS Next 3Y12.31%
EPS Next 5YN/A
Revenue Next Year43%
Revenue Next 2Y23.25%
Revenue Next 3Y16.89%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.84, the valuation of GABC can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as GABC.
Compared to an average S&P500 Price/Earnings ratio of 25.83, GABC is valued rather cheaply.
GABC is valuated reasonably with a Price/Forward Earnings ratio of 10.63.
The rest of the industry has a similar Price/Forward Earnings ratio as GABC.
When comparing the Price/Forward Earnings ratio of GABC to the average of the S&P500 Index (32.68), we can say GABC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.84 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
GABC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GABC's 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 12.31% in the coming years.
PEG (NY)0.46
PEG (5Y)3.25
EPS Next 2Y15.26%
EPS Next 3Y12.31%
5. Dividend
5.1 Amount
GABC has a Yearly Dividend Yield of 2.98%.
Compared to an average industry Dividend Yield of 3.42, GABC has a dividend in line with its industry peers.
GABC's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
5.2 History
On average, the dividend of GABC grows each year by 9.56%, which is quite nice.
GABC has been paying a dividend for at least 10 years, so it has a reliable track record.
GABC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.56%
Div Incr Years12
Div Non Decr Years22
5.3 Sustainability
GABC pays out 43.60% of its income as dividend. This is a bit on the high side, but may be sustainable.
GABC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.6%
EPS Next 2Y15.26%
EPS Next 3Y12.31%
39.67
+0.26 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.33%
Inst Owner Change-0.41%
Ins Owners2.19%
Ins Owner Change1.71%
Market Cap1.49B
Revenue(TTM)330.60M
Net Income(TTM)86.14M
Analysts78.33
Price Target46.92 (18.28%)
Short Float %3.78%
Short Ratio11.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
Yearly Dividend1.07
Dividend Growth(5Y)9.56%
DP43.6%
Div Incr Years12
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.76%
Min EPS beat(2)2.32%
Max EPS beat(2)17.2%
EPS beat(4)3
Avg EPS beat(4)6.93%
Min EPS beat(4)-0.8%
Max EPS beat(4)17.2%
EPS beat(8)6
Avg EPS beat(8)5.1%
EPS beat(12)7
Avg EPS beat(12)2.87%
EPS beat(16)10
Avg EPS beat(16)4.09%
Revenue beat(2)1
Avg Revenue beat(2)-0.98%
Min Revenue beat(2)-2.29%
Max Revenue beat(2)0.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.6%
Min Revenue beat(4)-4.18%
Max Revenue beat(4)0.32%
Revenue beat(8)2
Avg Revenue beat(8)-4.89%
Revenue beat(12)2
Avg Revenue beat(12)-4.65%
Revenue beat(16)5
Avg Revenue beat(16)-3.32%
PT rev (1m)-0.36%
PT rev (3m)2.99%
EPS NQ rev (1m)-0.4%
EPS NQ rev (3m)0.33%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)0.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.84 | ||
| Fwd PE | 10.63 | ||
| P/S | 4.98 | ||
| P/FCF | 13.06 | ||
| P/OCF | 12.6 | ||
| P/B | 1.39 | ||
| P/tB | 2.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY8.44%
EPS(NY)3.73
Fwd EY9.41%
FCF(TTM)3.04
FCFY7.66%
OCF(TTM)3.15
OCFY7.94%
SpS7.97
BVpS28.53
TBVpS17.4
PEG (NY)0.46
PEG (5Y)3.25
Graham Number46.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 8.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.82% | ||
| GM | N/A | ||
| FCFM | 38.12% |
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
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-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 | 0.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 31.47% | ||
| Cap/Sales | 1.39% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.24% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC12.49%
ROIC/WACCN/A
Cap/Depr(3y)64.24%
Cap/Depr(5y)64.33%
Cap/Sales(3y)2.44%
Cap/Sales(5y)2.57%
Profit Quality(3y)117.07%
Profit Quality(5y)120.53%
High Growth Momentum
Growth
EPS 1Y (TTM)21.38%
EPS 3Y-4.04%
EPS 5Y3.64%
EPS Q2Q%29.58%
EPS Next Y25.61%
EPS Next 2Y15.26%
EPS Next 3Y12.31%
EPS Next 5YN/A
Revenue 1Y (TTM)32.61%
Revenue growth 3Y4.76%
Revenue growth 5Y5.84%
Sales Q2Q%50.9%
Revenue Next Year43%
Revenue Next 2Y23.25%
Revenue Next 3Y16.89%
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 1Y7.76%
FCF growth 3Y-1.9%
FCF growth 5Y10.21%
OCF growth 1Y4.56%
OCF growth 3Y-1.69%
OCF growth 5Y7.99%
GERMAN AMERICAN BANCORP / GABC FAQ
What is the fundamental rating for GABC stock?
ChartMill assigns a fundamental rating of 5 / 10 to GABC.
Can you provide the valuation status for GERMAN AMERICAN BANCORP?
ChartMill assigns a valuation rating of 5 / 10 to GERMAN AMERICAN BANCORP (GABC). This can be considered as Fairly Valued.
How profitable is GERMAN AMERICAN BANCORP (GABC) stock?
GERMAN AMERICAN BANCORP (GABC) has a profitability rating of 4 / 10.
How financially healthy is GERMAN AMERICAN BANCORP?
The financial health rating of GERMAN AMERICAN BANCORP (GABC) is 4 / 10.
Can you provide the dividend sustainability for GABC stock?
The dividend rating of GERMAN AMERICAN BANCORP (GABC) is 7 / 10 and the dividend payout ratio is 43.6%.