40.12 USD
+0.19 (+0.48%)
40.12 USD
0 (0%)
GABC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. GABC has an average financial health and profitability rating. GABC is not overvalued while it is showing excellent growth. This is an interesting combination. GABC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
GABC had positive earnings in the past year.
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
The Return On Assets of GABC (1.19%) is better than 75.77% of its industry peers.
GABC's Return On Equity of 8.95% is in line compared to the rest of the industry. GABC outperforms 51.03% 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 79.64% of its industry peers.
In the last couple of years the Profit Margin of GABC has remained more or less at the same level.
GABC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 5 years ago, GABC has more shares outstanding
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.
The Debt to FCF ratio of GABC (0.02) is better than 88.92% of its industry peers.
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 better Debt to Equity ratio (0.00) than 87.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.48%
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.
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
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.
The Revenue is expected to grow by 16.89% on average over the next years. This is quite good.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.98, which indicates a very decent valuation of GABC.
The rest of the industry has a similar Price/Earnings ratio as GABC.
The average S&P500 Price/Earnings ratio is at 26.92. GABC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.73, the valuation of GABC can be described as very reasonable.
GABC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.46. GABC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.98 | ||
| Fwd PE | 10.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GABC is valued a bit cheaper than the industry average as 61.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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)3.29
EPS Next 2Y15.37%
EPS Next 3Y12.31%
5. Dividend
5.1 Amount
GABC has a Yearly Dividend Yield of 2.91%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.74, 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 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.56%
Div Incr Years12
Div Non Decr Years22
5.3 Sustainability
GABC pays out 40.35% of its income as dividend. 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 2Y15.37%
EPS Next 3Y12.31%
40.12
+0.19 (+0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners51.85%
Inst Owner Change-0.69%
Ins Owners2.19%
Ins Owner Change1.91%
Market Cap1.50B
Revenue(TTM)330.60M
Net Income(TTM)100.16M
Analysts78.33
Price Target46.92 (16.95%)
Short Float %3.83%
Short Ratio12.49
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
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%
PT rev (3m)-0.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.48%
EPS NY rev (1m)0.24%
EPS NY rev (3m)1.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.98 | ||
| Fwd PE | 10.73 | ||
| P/S | 4.55 | ||
| P/FCF | 10.67 | ||
| P/OCF | 10.35 | ||
| P/B | 1.34 | ||
| P/tB | 2.12 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.35
EY8.35%
EPS(NY)3.74
Fwd EY9.32%
FCF(TTM)3.76
FCFY9.38%
OCF(TTM)3.88
OCFY9.66%
SpS8.82
BVpS29.87
TBVpS18.89
PEG (NY)0.46
PEG (5Y)3.29
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
WACC12.48%
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 Y25.91%
EPS Next 2Y15.37%
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%.