German American Bancorp, Inc. operates as the bank holding company for German American Bank that provides retail and commercial banking services. More Details
Flawless balance sheet established dividend payer.
Share Price & News
How has German American Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GABC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: GABC's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: GABC underperformed the US Banks industry which returned 70.3% over the past year.
Return vs Market: GABC exceeded the US Market which returned 53.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is German American Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 day ago | Simply Wall StWhy German American Bancorp, Inc. (NASDAQ:GABC) Is A Dividend Rockstar
4 weeks ago | Simply Wall StHave German American Bancorp, Inc. (NASDAQ:GABC) Insiders Been Selling Their Stock?
1 month ago | Simply Wall StDid You Participate In Any Of German American Bancorp's (NASDAQ:GABC) Fantastic 110% Return ?
Is German American Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: GABC ($45.86) is trading above our estimate of fair value ($41.6)
Significantly Below Fair Value: GABC is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: GABC is poor value based on its PE Ratio (19.6x) compared to the US Banks industry average (13.3x).
PE vs Market: GABC is good value based on its PE Ratio (19.6x) compared to the US market (22.5x).
Price to Earnings Growth Ratio
PEG Ratio: GABC is poor value based on its PEG Ratio (26.2x)
Price to Book Ratio
PB vs Industry: GABC is overvalued based on its PB Ratio (1.9x) compared to the US Banks industry average (1.1x).
How is German American Bancorp forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GABC's forecast earnings growth (0.7% per year) is below the savings rate (2%).
Earnings vs Market: GABC's earnings (0.7% per year) are forecast to grow slower than the US market (18.1% per year).
High Growth Earnings: GABC's earnings are forecast to grow, but not significantly.
Revenue vs Market: GABC's revenue (3.9% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: GABC's revenue (3.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GABC's Return on Equity is forecast to be low in 3 years time (9.2%).
How has German American Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GABC has high quality earnings.
Growing Profit Margin: GABC's current net profit margins (32.4%) are higher than last year (31.9%).
Past Earnings Growth Analysis
Earnings Trend: GABC's earnings have grown by 14.7% per year over the past 5 years.
Accelerating Growth: GABC's earnings growth over the past year (5.1%) is below its 5-year average (14.7% per year).
Earnings vs Industry: GABC earnings growth over the past year (5.1%) exceeded the Banks industry 2.9%.
Return on Equity
High ROE: GABC's Return on Equity (10%) is considered low.
How is German American Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: GABC's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: GABC has a sufficient allowance for bad loans (218%).
Low Risk Liabilities: 94% 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 (61%).
Low Risk Deposits: GABC's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: GABC has an appropriate level of bad loans (0.7%).
What is German American Bancorp current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: GABC's dividend (1.83%) is higher than the bottom 25% of dividend payers in the US market (1.24%).
High Dividend: GABC's dividend (1.83%) is low compared to the top 25% of dividend payers in the US market (3.46%).
Stability and Growth of Payments
Stable Dividend: GABC's dividends per share have been stable in the past 10 years.
Growing Dividend: GABC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (33.3%), GABC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: GABC's dividends in 3 years are forecast to be well covered by earnings (36.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mark Schroeder (66 yo)
Mr. Mark A. Schroeder has been Chairman and Chief Executive Officer at German American Bancorp, Inc. (formerly German American Bancorp) since 2009 and 1999 respectively and has been its Director since 1991...
CEO Compensation Analysis
Compensation vs Market: Mark's total compensation ($USD1.37M) is below average for companies of similar size in the US market ($USD3.79M).
Compensation vs Earnings: Mark's compensation has increased by more than 20% in the past year.
Experienced Management: GABC's management team is seasoned and experienced (6.7 years average tenure).
Experienced Board: GABC's board of directors are seasoned and experienced ( 10.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: GABC insiders have sold more shares than they have bought in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
German American Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: German American Bancorp, Inc.
- Ticker: GABC
- Exchange: NasdaqGS
- Founded: 1910
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$1.217b
- Shares outstanding: 26.50m
- Website: https://www.germanamerican.com
Number of Employees
- German American Bancorp, Inc.
- 711 Main Street
- Box 810
- United States
German American Bancorp, Inc. operates as the bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/16 22:21|
|End of Day Share Price||2021/04/16 00:00|
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.