German American Bancorp Stock Current Valuation

GABC Stock

USD 45.08 0.14 0.31%

Valuation analysis of German American Bancorp helps investors to measure German American's intrinsic value by examining its available valuation indicators, including the cash flow records, the balance sheet account changes and income statement patterns. The current year's Enterprise Value Over EBITDA is expected to grow to 13.39. The current year's Enterprise Value Multiple is expected to grow to 13.39. Fundamental drivers impacting German American's valuation include:

Price Book

1.7913

Enterprise Value

1.3 B

Price Sales

5.4132

Forward PE

13.947

Trailing PE

16.2744

Overvalued

Today

45.08

Please note that German American's price fluctuation is very steady at this time. Calculation of the real value of German American Bancorp is based on 3 months time horizon. Increasing German American's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.

Buy or Sell Advice Valuation Matrix

Since German American is currently traded on the exchange, buyers and sellers on that exchange determine the market value of German Stock. However, German American's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.

Historical

Market 45.08

Real 37.6

Target 31.75

Hype 45.16

Naive 44.02

The real value of German Stock, also known as its intrinsic value, is the underlying worth of German American Bancorp Company, which is reflected in its stock price. It is based on German American's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of German American's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.

35.45

Downside

37.60

Real Value

Target Odds

Above Odds

Below Odds

49.59

Upside

Estimating the potential upside or downside of German American Bancorp helps investors to forecast how German stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of German American more accurately as focusing exclusively on German American's fundamentals will not take into account other important factors:

Earnings

Estimates (0)

Low	Projected	High
0.68	0.70	0.71

Details

Hype

Prediction

Low	Estimated	High
43.01	45.16	47.31

Details

Potential

Annual Dividend

Low	Forecasted	High
0.43	0.44	0.45

Details

6 Analysts

Consensus

Low	Target Price	High
28.89	31.75	35.24

Details

German American Bancorp Company Current Valuation Analysis

German American's Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.

Enterprise Value

Market Cap + Debt

-

Cash

More About Current Valuation | All Equity Analysis

Current German American Current Valuation

1.35 B

Most of German American's fundamental indicators, such as Current Valuation, 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 Current Valuation Driver Correlations

Understanding the fundamental principles of building solid financial models for German American is extremely important. It helps to project a fair market value of German Stock properly, considering its historical fundamentals such as Current Valuation. Since German American's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of German American's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of German American's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Good Will	Common Stock	Long Term Debt	Short Term Investments	Intangible Assets	Property Plant Equipment	Net Tangible Assets	Capital Surpluse	Long Term Investments	Short Long Term Debt	Long Term Debt Total	Earning Assets	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.97	0.03	0.98	0.93	0.76	1.0	-0.42	0.09	0.96	0.43	0.34	0.46	0.63	0.77	0.84	0.94	0.37	-0.86	0.94	0.9	0.89	0.81	0.38
Total Stockholder Equity	0.97		0.11	0.94	0.94	0.64	0.97	-0.4	0.17	0.92	0.44	0.4	0.55	0.67	0.69	0.92	0.9	0.47	-0.87	0.95	0.92	0.92	0.86	0.21
Net Debt	0.03	0.11		-0.09	-0.02	-0.33	0.02	0.61	0.68	-0.09	0.46	0.36	-0.11	0.33	-0.02	0.2	-0.14	0.69	0.12	-0.06	0.03	0.1	0.15	0.01
Retained Earnings	0.98	0.94	-0.09		0.91	0.81	0.98	-0.49	0.03	0.98	0.29	0.31	0.38	0.55	0.81	0.78	0.98	0.31	-0.85	0.94	0.89	0.87	0.79	0.35
Accounts Payable	0.93	0.94	-0.02	0.91		0.72	0.93	-0.56	-0.01	0.89	0.41	0.18	0.53	0.62	0.62	0.83	0.88	0.28	-0.78	0.93	0.86	0.85	0.78	0.25
Net Receivables	0.76	0.64	-0.33	0.81	0.72		0.77	-0.5	-0.08	0.84	0.01	0.06	0.0	0.34	0.79	0.34	0.85	0.01	-0.59	0.7	0.63	0.57	0.53	0.42
Total Liab	1.0	0.97	0.02	0.98	0.93	0.77		-0.42	0.08	0.96	0.43	0.33	0.45	0.63	0.77	0.82	0.95	0.35	-0.85	0.93	0.89	0.88	0.8	0.4
Total Current Assets	-0.42	-0.4	0.61	-0.49	-0.56	-0.5	-0.42		0.66	-0.51	-0.12	0.18	-0.33	-0.29	-0.34	-0.36	-0.54	0.15	0.37	-0.59	-0.48	-0.43	-0.42	-0.29
Short Term Debt	0.09	0.17	0.68	0.03	-0.01	-0.08	0.08	0.66		0.07	0.02	0.58	-0.14	0.27	0.17	0.15	0.02	0.64	-0.05	0.04	0.12	0.19	0.28	-0.29
Good Will	0.96	0.92	-0.09	0.98	0.89	0.84	0.96	-0.51	0.07		0.3	0.37	0.31	0.64	0.82	0.75	1.0	0.36	-0.84	0.96	0.91	0.87	0.83	0.37
Common Stock	0.43	0.44	0.46	0.29	0.41	0.01	0.43	-0.12	0.02	0.3		0.32	0.49	0.74	0.11	0.57	0.25	0.41	-0.29	0.43	0.42	0.42	0.45	0.56
Long Term Debt	0.34	0.4	0.36	0.31	0.18	0.06	0.33	0.18	0.58	0.37	0.32		0.16	0.61	0.25	0.47	0.34	0.6	-0.52	0.4	0.48	0.6	0.5	0.18
Short Term Investments	0.46	0.55	-0.11	0.38	0.53	0.0	0.45	-0.33	-0.14	0.31	0.49	0.16		0.36	-0.04	0.73	0.28	0.02	-0.54	0.5	0.47	0.5	0.42	-0.05
Intangible Assets	0.63	0.67	0.33	0.55	0.62	0.34	0.63	-0.29	0.27	0.64	0.74	0.61	0.36		0.42	0.69	0.59	0.62	-0.5	0.75	0.75	0.72	0.8	0.37
Property Plant Equipment	0.77	0.69	-0.02	0.81	0.62	0.79	0.77	-0.34	0.17	0.82	0.11	0.25	-0.04	0.42		0.47	0.83	0.5	-0.56	0.72	0.68	0.64	0.72	0.34
Net Tangible Assets	0.84	0.92	0.2	0.78	0.83	0.34	0.82	-0.36	0.15	0.75	0.57	0.47	0.73	0.69	0.47		0.72	0.49	-0.82	0.86	0.9	0.89	0.79	0.14
Capital Surpluse	0.94	0.9	-0.14	0.98	0.88	0.85	0.95	-0.54	0.02	1.0	0.25	0.34	0.28	0.59	0.83	0.72		0.33	-0.83	0.94	0.89	0.85	0.81	0.37
Long Term Investments	0.37	0.47	0.69	0.31	0.28	0.01	0.35	0.15	0.64	0.36	0.41	0.6	0.02	0.62	0.5	0.49	0.33		-0.24	0.43	0.44	0.5	0.69	-0.03
Short Long Term Debt	-0.86	-0.87	0.12	-0.85	-0.78	-0.59	-0.85	0.37	-0.05	-0.84	-0.29	-0.52	-0.54	-0.5	-0.56	-0.82	-0.83	-0.24		-0.82	-0.85	-0.87	-0.64	-0.26
Long Term Debt Total	0.94	0.95	-0.06	0.94	0.93	0.7	0.93	-0.59	0.04	0.96	0.43	0.4	0.5	0.75	0.72	0.86	0.94	0.43	-0.82		0.94	0.92	0.92	0.28
Earning Assets	0.9	0.92	0.03	0.89	0.86	0.63	0.89	-0.48	0.12	0.91	0.42	0.48	0.47	0.75	0.68	0.9	0.89	0.44	-0.85	0.94		0.91	0.83	0.27
Current Deferred Revenue	0.89	0.92	0.1	0.87	0.85	0.57	0.88	-0.43	0.19	0.87	0.42	0.6	0.5	0.72	0.64	0.89	0.85	0.5	-0.87	0.92	0.91		0.84	0.29
Net Invested Capital	0.81	0.86	0.15	0.79	0.78	0.53	0.8	-0.42	0.28	0.83	0.45	0.5	0.42	0.8	0.72	0.79	0.81	0.69	-0.64	0.92	0.83	0.84		0.13
Capital Stock	0.38	0.21	0.01	0.35	0.25	0.42	0.4	-0.29	-0.29	0.37	0.56	0.18	-0.05	0.37	0.34	0.14	0.37	-0.03	-0.26	0.28	0.27	0.29	0.13

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German Current Valuation 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 current valuation 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 current valuation as a starting point in their analysis.

German American Current Valuation

Timeline

Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.

Competition

Predict German American

Enterprise Value Over Time

In accordance with the recently published financial statements, German American Bancorp has a Current Valuation of 1.35 B. This is 95.9% lower than that of the Banks sector and significantly higher than that of the Financials industry. The current valuation for all United States stocks is 91.9% higher than that of the company.

German Current Valuation 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 Current Valuation 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 current valuation 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.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	919.9M	878.2M	1.0B	1.1B	958.0M	1.0B
Enterprise Value	1.2B	1.0B	1.1B	1.3B	1.0B	1.1B

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	1.35 B
	Shares Outstanding	29.68 M
	Shares Owned By Insiders	5.00 %
	Shares Owned By Institutions	54.39 %
	Number Of Shares Shorted	1.55 M
	Price To Earning	15.22 X
	Price To Book	1.79 X
	Price To Sales	5.41 X
	Revenue	250.69 M
	Gross Profit	253.37 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	24.04 X
	Earnings Per Share	2.77 X
	Price To Earnings To Growth	2.43 X
	Target Price	47.83
	Number Of Employees	840
	Beta	0.6
	Market Capitalization	1.34 B
	Total Asset	6.15 B
	Retained Earnings	461.62 M
	Annual Yield	0.02 %
	Five Year Return	2.06 %
	Net Asset	6.15 B
	Last Dividend Paid	1.08

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.

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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:

How To Invest In German

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Is German Stock a good investment?

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What is German American's Net Worth?

Details

Largest Banks - Regional Companies

View

Largest Financial Services Companies

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Check out German American Piotroski F Score and German American Altman Z Score analysis.

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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)

Dividend Share

1.08

Earnings Share

2.77

Revenue Per Share

8.341

Quarterly Revenue Growth

0.005

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.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

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German American Bancorp Stock Current Valuation

German American Bancorp Company Current Valuation Analysis

Enterprise Value

Market Cap + Debt

-

Cash

Current German American Current Valuation

German Current Valuation Driver Correlations

German Current Valuation Historical Pattern

German Current Valuation Peer Comparison

German American Current Valuation Drivers

German American ESG Sustainability

German Fundamentals

About German American Fundamental Analysis

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