39.45 USD
-0.23 (-0.58%)
39.45 USD
0 (0%)
Overall GABC gets a fundamental rating of 5 out of 10. We evaluated GABC against 387 industry peers in the Banks industry. GABC has an average financial health and profitability rating. GABC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! 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.
Each year in the past 5 years GABC has been profitable.
Each year in the past 5 years GABC had a positive operating cash flow.
1.2 Ratios
GABC has a Return On Assets of 1.19%. This is in the better half of the industry: GABC outperforms 76.23% of its industry peers.
With a Return On Equity value of 8.95%, GABC perfoms like the industry average, outperforming 52.20% of the companies in the same industry.
| 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 amongst the best of the industry. GABC outperforms 80.36% of its industry peers.
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 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.
GABC has more shares outstanding than it did 1 year ago.
GABC has more shares outstanding than it did 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.
GABC has a better Debt to FCF ratio (0.02) than 88.89% 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 87.08% of the companies in the same industry.
| 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
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!
The Revenue has been growing slightly by 5.84% on average over the past years.
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
GABC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.31% yearly.
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
A Price/Earnings ratio of 11.78 indicates a reasonable valuation of GABC.
GABC's Price/Earnings ratio is in line with the industry average.
GABC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
Based on the Price/Forward Earnings ratio of 10.57, the valuation of GABC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GABC is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.22, GABC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.78 | ||
| Fwd PE | 10.57 |
4.2 Price Multiples
61.76% of the companies in the same industry are more expensive than GABC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.49 | ||
| 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)3.24
EPS Next 2Y15.26%
EPS Next 3Y12.31%
5. Dividend
5.1 Amount
GABC has a Yearly Dividend Yield of 2.90%.
GABC's Dividend Yield is comparable with the industry average which is at 3.15.
GABC's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
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
40.35% of the earnings are spent on dividend by GABC. This is a bit on the high side, but may be sustainable.
The dividend of GABC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP40.35%
EPS Next 2Y15.26%
EPS Next 3Y12.31%
39.45
-0.23 (-0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners52.33%
Inst Owner Change-0.69%
Ins Owners2.19%
Ins Owner Change1.92%
Market Cap1.48B
Revenue(TTM)330.60M
Net Income(TTM)100.16M
Analysts78.33
Price Target46.92 (18.94%)
Short Float %3.82%
Short Ratio14.19
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.9% |
Yearly Dividend1.07
Dividend Growth(5Y)9.56%
DP40.35%
Div Incr Years12
Div Non Decr Years22
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.79%
Min EPS beat(2)2.32%
Max EPS beat(2)3.26%
EPS beat(4)4
Avg EPS beat(4)7.94%
Min EPS beat(4)2.32%
Max EPS beat(4)17.2%
EPS beat(8)6
Avg EPS beat(8)5.23%
EPS beat(12)8
Avg EPS beat(12)3.14%
EPS beat(16)10
Avg EPS beat(16)3.57%
Revenue beat(2)0
Avg Revenue beat(2)-1.19%
Min Revenue beat(2)-2.29%
Max Revenue beat(2)-0.1%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-2.29%
Max Revenue beat(4)0.32%
Revenue beat(8)2
Avg Revenue beat(8)-1.63%
Revenue beat(12)2
Avg Revenue beat(12)-4.39%
Revenue beat(16)4
Avg Revenue beat(16)-3.57%
PT rev (1m)-0.36%
PT rev (3m)0.73%
EPS NQ rev (1m)2.11%
EPS NQ rev (3m)1.48%
EPS NY rev (1m)1.52%
EPS NY rev (3m)2.03%
Revenue NQ rev (1m)1.2%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0.91%
Revenue NY rev (3m)1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.78 | ||
| Fwd PE | 10.57 | ||
| P/S | 4.47 | ||
| P/FCF | 10.49 | ||
| P/OCF | 10.18 | ||
| P/B | 1.32 | ||
| P/tB | 2.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY8.49%
EPS(NY)3.73
Fwd EY9.46%
FCF(TTM)3.76
FCFY9.54%
OCF(TTM)3.88
OCFY9.83%
SpS8.82
BVpS29.87
TBVpS18.89
PEG (NY)0.46
PEG (5Y)3.24
Graham Number47.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.3% | ||
| GM | N/A | ||
| FCFM | 42.66% |
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 | 26.94% | ||
| Cap/Sales | 1.31% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 140.79% | ||
| 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 1Y43.75%
FCF growth 3Y-1.9%
FCF growth 5Y10.21%
OCF growth 1Y38.16%
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 6 / 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 40.35%.