40.25 USD
-1.36 (-3.27%)
40.25 USD
0 (0%)
Overall GABC gets a fundamental rating of 5 out of 10. We evaluated GABC against 383 industry peers in the Banks industry. GABC has only an average score on both its financial health and profitability. GABC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! 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.
- In the past 5 years GABC has always been profitable.
- GABC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.19%, GABC is in the better half of the industry, outperforming 75.98% of the companies in the same industry.
- GABC has a Return On Equity of 8.95%. This is comparable to the rest of the industry: GABC outperforms 50.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.95% | ||
| 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's Profit Margin of 30.30% is fine compared to the rest of the industry. GABC outperforms 79.90% of its industry peers.
- 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) | 30.3% | ||
| 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.
- The number of shares outstanding for GABC has been increased compared to 5 years ago.
- The debt/assets ratio for GABC has been reduced compared to a year ago.
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 89.30% of the companies in the same industry.
- GABC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
- GABC has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. GABC outperforms 87.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 21.38% over the past year.
- The Earnings Per Share has been growing slightly by 3.64% on average over the past years.
- The Revenue has grown by 32.61% in the past year. This is a very strong growth!
- GABC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.84% yearly.
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 Y25.91%
EPS Next 2Y15.37%
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- GABC is valuated correctly with a Price/Earnings ratio of 12.01.
- GABC's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.21, GABC is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.76, which indicates a very decent valuation of GABC.
- GABC's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of GABC to the average of the S&P500 Index (24.26), we can say GABC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 10.76 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, GABC is valued a bit cheaper than 63.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.7 | ||
| 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.
- GABC's earnings are expected to grow with 12.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)3.3
EPS Next 2Y15.37%
EPS Next 3Y12.31%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.85%, GABC has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.84, 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 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
5.2 History
- The dividend of GABC is nicely growing with an annual growth rate of 9.56%!
- 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
- 40.35% of the earnings are spent on dividend by GABC. 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.
DP40.35%
EPS Next 2Y15.37%
EPS Next 3Y12.31%
GERMAN AMERICAN BANCORP / GABC FAQ
What is the fundamental rating for GABC stock?
ChartMill assigns a fundamental rating of 5 / 10 to GABC.
What is the valuation status of GERMAN AMERICAN BANCORP (GABC) stock?
ChartMill assigns a valuation rating of 5 / 10 to GERMAN AMERICAN BANCORP (GABC). This can be considered as Fairly Valued.
What is the profitability of GABC stock?
GERMAN AMERICAN BANCORP (GABC) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for GABC stock?
The Price/Earnings (PE) ratio for GERMAN AMERICAN BANCORP (GABC) is 12.01 and the Price/Book (PB) ratio is 1.35.
What is the financial health of GERMAN AMERICAN BANCORP (GABC) stock?
The financial health rating of GERMAN AMERICAN BANCORP (GABC) is 4 / 10.