Stock GABC GERMAN AMERICAN BANCORP, INC.
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Financials German American Bancorp, Inc.

Equities

GABC

US3738651047

Banks

Market Closed - Nasdaq
Other stock markets
 21:00:00 09/05/2024 BST 		5-day change 1st Jan Change
32.43 USD +0.37% Intraday chart for German American Bancorp, Inc. +1.47% +0.06%
04-29 German American Bancorp Q1 Net Income, Revenue Fall MT
04-29 German American Bancorp, Inc. Reports Net Charge-Offs for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 949.7 876.6 1,035 1,100 958.5 962.2 -
Enterprise Value (EV) 1 949.7 876.6 1,035 1,100 958.5 962.2 962.2
P/E ratio 15.6 x 14.1 x 12.3 x 13.4 x 11.1 x 12.7 x 12.4 x
Yield 1.97% 2.3% 2.21% 2.47% - 3.33% 3.54%
Capitalization / Revenue 4.98 x 4.18 x 4.7 x 4.23 x 3.73 x 3.83 x 3.69 x
EV / Revenue 4.98 x 4.18 x 4.7 x 4.23 x 3.73 x 3.83 x 3.69 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.66 x 1.4 x 1.55 x 1.97 x 1.45 x 1.36 x 1.24 x
Nbr of stocks (in thousands) 26,662 26,492 26,546 29,485 29,575 29,669 -
Reference price 2 35.62 33.09 38.98 37.30 32.41 32.43 32.43
Announcement Date 27/01/20 25/01/21 31/01/22 30/01/23 29/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 190.7 209.7 220.3 259.7 257.2 251.5 260.5
EBITDA - - - - - - -
EBIT 1 79.92 92.59 96.28 105.5 112.7 104.9 109
Operating Margin 41.91% 44.15% 43.71% 40.63% 43.81% 41.71% 41.83%
Earnings before Tax (EBT) 1 71.24 75.04 102.8 99.18 103.6 94.64 97.9
Net income 1 59.22 62.21 84.14 81.82 85.89 75.46 77.23
Net margin 31.05% 29.66% 38.19% 31.51% 33.4% 30% 29.65%
EPS 2 2.290 2.340 3.170 2.780 2.910 2.545 2.618
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.7000 0.7600 0.8600 0.9200 - 1.080 1.147
Announcement Date 27/01/20 25/01/21 31/01/22 30/01/23 29/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 56.84 55.7 64.66 66.43 67.53 66.05 65.67 64.74 63.94 62.82 60.82 61.84 63.61 63.77 64.12
EBITDA - - - - - - - - - - - - - - -
EBIT 1 24.4 24.43 16.5 31.15 32.81 30.44 28.06 29.02 28.52 27.09 24.08 25.85 26.68 26.94 26.49
Operating Margin 42.92% 43.86% 25.51% 46.9% 48.59% 46.08% 42.72% 44.82% 44.6% 43.12% 39.59% 41.8% 41.95% 42.24% 41.3%
Earnings before Tax (EBT) 1 26.4 22.43 9.736 28.78 30.73 29.94 25.26 26.88 26.04 25.47 23.18 22.94 23.73 24.17 24.48
Net income 1 21.49 19.27 9.067 23.75 24.6 24.42 20.81 22.12 21.45 21.51 19.02 18.3 19.12 19.03 18.78
Net margin 37.8% 34.6% 14.02% 35.75% 36.42% 36.96% 31.68% 34.17% 33.55% 34.23% 31.28% 29.6% 30.05% 29.85% 29.29%
EPS 2 0.8100 0.7300 0.3100 0.8100 0.8300 0.8300 0.7100 0.7500 0.7300 0.7300 0.6400 0.6200 0.6425 0.6425 0.6333
Dividend per Share 2 0.2100 0.2300 0.2300 0.2300 0.2300 0.2300 0.2500 0.2500 - - 0.2700 0.2700 0.2700 0.2700 0.2867
Announcement Date 25/10/21 31/01/22 25/04/22 25/07/22 31/10/22 30/01/23 24/04/23 31/07/23 30/10/23 29/01/24 29/04/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 11.4% 10.5% 13.1% 13.4% 14.7% 12.3% 11.4%
ROA (Net income/ Total Assets) 1.43% 1.32% 1.57% 1.26% 1.42% 1.23% 1.23%
Assets 1 4,141 4,713 5,359 6,494 6,048 6,160 6,305
Book Value Per Share 2 21.50 23.60 25.20 18.90 22.40 23.90 26.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 27/01/20 25/01/21 31/01/22 30/01/23 29/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for German American Bancorp, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
4
Last Close Price
32.43 USD
Average target price
35.5 USD
Spread / Average Target
+9.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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