German American Bancorp Stock Fundamentals
| GABC Stock | USD 41.46 0.25 0.60% |
German American Bancorp fundamentals help investors to digest information that contributes to German American's financial success or failures. It also enables traders to predict the movement of German Stock. The fundamental analysis module provides a way to measure German American's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to German American stock.
At present, German American's Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Selling General Administrative is expected to grow to about 103.9 M, whereas Total Other Income Expense Net is projected to grow to (6.2 M). German | Select Account or Indicator |
German American Bancorp Company Profit Margin Analysis
German American's Profit Margin measures overall efficiency of a company and shows its ability to withstand competition as well as defend against adverse conditions such as rising costs, falling prices, decline in sales or management distress. Profit margin tells investors how well the company executes on its overall pricing strategies as well as how effective the company in controlling its costs.
Current German American Profit Margin | 0.33 % |
Most of German American's fundamental indicators, such as Profit Margin, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, German American Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
German Profit Margin Historical Pattern
Today, most investors in German American Stock are looking for potential investment opportunities by analyzing not only static indicators but also various German American's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's profit margin growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of German American profit margin as a starting point in their analysis.
German American Profit Margin |
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In a nutshell, Profit Margin indicator shows the amount of money the company makes from total sales or revenue. It can provide a good insight into companies in the same sector, as well as help to identify trends of a company from year to year.
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German Pretax Profit Margin
Pretax Profit Margin |
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Based on the latest financial disclosure, German American Bancorp has a Profit Margin of 0.3322%. This is 97.15% lower than that of the Banks sector and significantly higher than that of the Financials industry. The profit margin for all United States stocks is 126.16% lower than that of the firm.
German American Bancorp Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining German American's current stock value. Our valuation model uses many indicators to compare German American value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across German American competition to find correlations between indicators driving German American's intrinsic value. More Info.German American Bancorp is rated # 2 in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for German American Bancorp is roughly 9.55 . At present, German American's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the German American's earnings, one of the primary drivers of an investment's value.German Profit Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses German American's direct or indirect competition against its Profit Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of German American could also be used in its relative valuation, which is a method of valuing German American by comparing valuation metrics of similar companies.German American is currently under evaluation in profit margin category among its peers.
German American Current Valuation Drivers
We derive many important indicators used in calculating different scores of German American from analyzing German American's financial statements. These drivers represent accounts that assess German American's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of German American's important valuation drivers and their relationship over time.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Market Cap | 878.2M | 1.0B | 1.1B | 958.0M | 1.2B | 1.3B | |
| Enterprise Value | 1.0B | 1.1B | 1.3B | 1.0B | 906.0M | 951.3M |
German American ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, German American's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to German American's managers, analysts, and investors.Environmental | Governance | Social |
German Fundamentals
| Return On Equity | 0.13 | ||||
| Return On Asset | 0.0134 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.44 % | ||||
| Current Valuation | 1.18 B | ||||
| Shares Outstanding | 29.68 M | ||||
| Shares Owned By Insiders | 4.90 % | ||||
| Shares Owned By Institutions | 54.46 % | ||||
| Number Of Shares Shorted | 1.7 M | ||||
| Price To Earning | 15.22 X | ||||
| Price To Book | 1.73 X | ||||
| Price To Sales | 4.98 X | ||||
| Revenue | 291.04 M | ||||
| Gross Profit | 247.16 M | ||||
| EBITDA | 113.06 M | ||||
| Net Income | 85.89 M | ||||
| Cash And Equivalents | 532.96 M | ||||
| Cash Per Share | 18.08 X | ||||
| Total Debt | 127.97 M | ||||
| Debt To Equity | 8.16 % | ||||
| Book Value Per Share | 25.09 X | ||||
| Cash Flow From Operations | 107.23 M | ||||
| Short Ratio | 14.45 X | ||||
| Earnings Per Share | 2.83 X | ||||
| Price To Earnings To Growth | 2.43 X | ||||
| Target Price | 48.33 | ||||
| Number Of Employees | 840 | ||||
| Beta | 0.6 | ||||
| Market Capitalization | 1.23 B | ||||
| Total Asset | 6.15 B | ||||
| Retained Earnings | 461.62 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.06 % | ||||
| Net Asset | 6.15 B |
About German American Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze German American Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of German American using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of German American Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Current Deferred Revenue | -30.5 M | -32 M | |
| Total Revenue | 291 M | 305.6 M | |
| Cost Of Revenue | 17.6 M | 10.5 M | |
| Sales General And Administrative To Revenue | 0.39 | 0.40 | |
| Revenue Per Share | 9.81 | 10.30 | |
| Stock Based Compensation To Revenue | 0.01 | 0.01 | |
| Capex To Revenue | 0.03 | 0.03 | |
| Ebit Per Revenue | 0.50 | 0.55 |
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether German American Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of German American's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of German American Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on German American Bancorp Stock:Check out German American Piotroski F Score and German American Altman Z Score analysis. You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of German American. If investors know German will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about German American listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.02) | Earnings Share 2.83 | Revenue Per Share | Quarterly Revenue Growth 0.005 | Return On Assets |
The market value of German American Bancorp is measured differently than its book value, which is the value of German that is recorded on the company's balance sheet. Investors also form their own opinion of German American's value that differs from its market value or its book value, called intrinsic value, which is German American's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because German American's market value can be influenced by many factors that don't directly affect German American's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between German American's value and its price as these two are different measures arrived at by different means. Investors typically determine if German American is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, German American's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.