German American Bancorp Stock Return On Asset

GABC Stock

USD 45.08 0.14 0.31%

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.

Short Long Term Debt Total Total Assets

As of November 22, 2024, Return On Assets is expected to decline to 0.01.

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German American Bancorp Company Return On Asset Analysis

German American's Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.

Return On Asset

Net Income

Total Assets

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Current German American Return On Asset

0.0134

Most of German American's fundamental indicators, such as Return On Asset, 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 Return On Asset 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 Return On Asset. 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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Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.

Competition

Predict German American

German Total Assets

Total Assets

6.46 Billion

At present, German American's Total Assets are projected to increase significantly based on the last few years of reporting.

Based on the latest financial disclosure, German American Bancorp has a Return On Asset of 0.0134. This is 102.85% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on asset for all United States stocks is 109.57% lower than that of the firm.

German Return On Asset 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 Return On Asset 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 return on asset 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:

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Largest Banks - Regional Companies

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

You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.

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.

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German American Bancorp Stock Return On Asset

German American Bancorp Company Return On Asset Analysis

Return On Asset

Net Income

Total Assets

Current German American Return On Asset

German Return On Asset Driver Correlations

German Total Assets

Total Assets

6.46 Billion

German Return On Asset Peer Comparison

German American Current Valuation Drivers

German American ESG Sustainability

German Fundamentals

About German American Fundamental Analysis

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