German American Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
German American Bancorp has total assets of $6.3B and total equity of $744.6M. Total deposits are $5.3B, and total loans are $4.0B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $201.9M.
Key information
8.4x
Asset to equity ratio
3.6%
Net interest margin
| Total deposits | US$5.27b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$201.86m |
Recent financial health updates
No updates
Recent updates
German American Bancorp: Not Much Upside Ahead
Nov 06The German American Bancorp, Inc. (NASDAQ:GABC) Third-Quarter Results Are Out And Analysts Have Published New Forecasts
Oct 31
German American Bancorp (NASDAQ:GABC) Is Paying Out A Larger Dividend Than Last Year
Apr 28German American Bancorp GAAP EPS of $0.81 beats by $0.11, revenue of $64.78M beats by $1.47M
Jul 25German American Bancorp: Acquisitions Drive Upside
Jan 19I Ran A Stock Scan For Earnings Growth And German American Bancorp (NASDAQ:GABC) Passed With Ease
Jan 07German American: Adding Growth To Its Above Average Profitability
Oct 29Here's Why I Think German American Bancorp (NASDAQ:GABC) Is An Interesting Stock
Sep 10German American: A Rare Opportunity To Buy A Great Bank At A Fair Price
Aug 05Most Shareholders Will Probably Find That The CEO Compensation For German American Bancorp, Inc. (NASDAQ:GABC) Is Reasonable
May 15German American Bancorp declares $0.21 dividend
May 06German American Bancorp EPS beats by $0.10, beats on revenue
Apr 26Why German American Bancorp, Inc. (NASDAQ:GABC) Is A Dividend Rockstar
Apr 16Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: GABC's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: GABC has a sufficient allowance for bad loans (455%).
Low Risk Liabilities: 96% of GABC's liabilities are made up of primarily low risk sources of funding.
Loan Level: GABC has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: GABC's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: GABC has an appropriate level of bad loans (0.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 06:17 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
German American Bancorp, Inc. is covered by 14 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Geyen | D.A. Davidson & Co. |
| Brian Martin | FIG Partners |
| Andrew Stapp | Hilliard Lyons |