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German American Bancorp
(NASDAQ: GABC)
AdChoices
26.70
-0.73
-2.66%
After Hours :
26.70
0.00
0.00%

Open

27.15

Previous Close

27.43

Volume (Avg)

11.92k (18.63k)

Day's Range

26.59-27.43

52Wk Range

24.12-30.58

Market Cap.

362.36M

Dividend Rate (Yield )

0.64 (2.30%)

Beta

0.97

Shares Outstanding

13.21M

P/E Ratio (EPS)

13.77 (1.99)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Hold
    • Revenue

    • 92.13M

    • Net Income

    • 25.41M

    • Market Cap.

    • 362.36M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 27.30

    • PEG (Price/Earnings Growth) Ratio

    • 1.47

    • Beta

    • 0.97

    • Forward P/E

    • 13.23

    • Price/Sales

    • 3.76

    • Price/Book Value

    • 1.69

    • Price/Cash flow

    • 8.89

      • EBITDA

      • 41.34M

      • Return on Capital %

      • 1.24

      • Return on Equity %

      • 13.16

      • Return on Assets %

      • 1.24

      • Book Value/Share

      • 16.23

      • Shares Outstanding

      • 13.21M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.16 (8/6/2014)

      • Dividend Declaration Date

      • 7/28/2014

      Analyst Recommendation
      10/21/2014
      Hold
        • 1 Year Price Target

        • 28.75

        • Credit Rating

        • -

        • Analysts

        • 2

        • EPS Estimate

        • 2.08

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • 4.40

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • 5.60

          • 7.93

          • Net Income

            Q/Q (last year)

          • 2.40

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • 9.27

          • -11.83

          • Net Income

            5-Year Annual Average

          • 14.70

          • 6.49

          • Dividends

            5-Year Annual Average

          • 1.39

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • 39.08

            • 36.31

            • Net Profit Margin

            • 27.30

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • 33.60

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • 23.80

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 1.05

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 10.23

              • 8.88

              • Book Value/Share

              • 16.23

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 13.77

                • 14.88

                • P/E Ratio 5-Year High

                • 15.35

                • 1,590.26

                • P/E Ratio 5-Year Low

                • 7.12

                • 247.77

                • Price/Sales Ratio

                • 3.76

                • 3.13

                • Price/Book Value

                • 1.69

                • 1.21

                • Price/Cash Flow Ratio

                • 8.89

                • 7.78

                • Key Metrics

                • Company

                • Industry

                  • Return on Equity %

                    (5-Year Average)

                  • 13.16

                    (12.70)

                  • 11.32

                    (9.64)

                  • Return on Assets %

                    (5-Year Average)

                  • 1.24

                    (1.10)

                  • 1.26

                    (0.99)

                  • Return on Capital %

                    (5-Year Average)

                  • 7.63

                    (9.90)

                  • 5.43

                    (3.93)

                  • Income/Employee

                  • 54.30k

                  • 57.85k

                  • Inventory Turnover

                  • -

                  • -

                  • Asset Turnover

                  • 0.05

                  • 0.05

                  Current Historical
                  Financials
                  • Income Statement
                  • Balance Sheet
                  • Cash Flow
                  Operating Income
                  36.88M
                  Operating Margin
                  40.03
                  Total Equity
                  -
                  Retained Earnings
                  -
                  Free Cashflow
                  -
                  Price/Cashflow
                  8.89
                  Ownership

                  Institutional Ownership

                  19.98%

                  Top 10 Institutions

                  13.90%

                  Mutual Fund Ownership

                  12.79%

                  Float

                  91.78%

                  5% / Insider Ownership

                  9.19%

                  Corporate insiders or major stockholders reporting trading activity in the stock.

                  Top Mutual Fund Owners

                  Top Institutional Owners

                  Mutual Fund Name

                  Institution Name

                  • Mutual Fund Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • iShares Russell 2000 (AU)

                  •  

                    206,822

                  • -1.01

                  • 1.67

                  • Vanguard Total Stock Mkt Idx

                  •  

                    170,859

                  • 0.00

                  • 1.29

                  • Vanguard Extended Market Index Fund

                  •  

                    138,684

                  • 0.47

                  • 1.05

                  • iShares Russell 2000 Value

                  •  

                    89,205

                  • 0.35

                  • 0.72

                  • DFA U.S. Micro Cap Portfolio

                  •  

                    65,691

                  • 0.00

                  • 0.50

                  • DFA Tax-Managed U.S. Targeted Value

                  •  

                    61,710

                  • 0.00

                  • 0.47

                  • CREF Stock

                  •  

                    50,618

                  • -5.20

                  • 0.38

                  • Fidelity Spartan® Extended Mkt Indx Fd

                  •  

                    43,959

                  • 0.00

                  • 0.33

                  • Putnam Small Cap Value Fund

                  •  

                    33,900

                  • 1.80

                  • 0.26

                  • iShares Micro-Cap

                  •  

                    32,861

                  • 1.29

                  • 0.27

                  • Institution Name

                  • Shares Held

                  • % Change

                  • % Outstanding

                  • BlackRock Fund Advisors

                  •  

                    421,755

                  • +0.57%

                  • 3.19

                  • Vanguard Group, Inc.

                  •  

                    361,782

                  • +2.19%

                  • 2.74

                  • Dimensional Fund Advisors, Inc.

                  •  

                    351,467

                  • +3.57%

                  • 2.66

                  • State Street Corp

                  •  

                    193,691

                  • +0.38%

                  • 1.47

                  • Northern Trust Investments, N.A.

                  •  

                    146,900

                  • -10.08%

                  • 1.11

                  • Putnam Investment Management,LLC

                  •  

                    122,200

                  • -3.32%

                  • 0.92

                  • Geode Capital Management, LLC

                  •  

                    64,579

                  • +17.29%

                  • 0.49

                  • Kennedy Capital Management Inc

                  •  

                    62,186

                  • +31.96%

                  • 0.47

                  • TIAA-CREF Investment Management LLC

                  •  

                    61,871

                  • +5.09%

                  • 0.47

                  • Nationwide Fund Advisors

                  •  

                    50,706

                  • -3.79%

                  • 0.38

                  Company Profile

                  Sector

                  Financial Services

                  Industry

                  Banks – Regional – US

                  Type

                  Cyclical

                  Style

                  Small Value

                  German American Bancorp is a financial services holding company. The Company operates 37 retail and commercial banking offices in 13 southern Indiana counties. The Company also owns a trust, brokerage, and financial planning subsidia...morery and a property and casualty insurance agency. The Company's lines of business include retail and commercial banking, financial planning, full service brokerage and trust administration, and a range of personal and corporate insurance products. The Company opened a loan production office in Columbus, Indiana as an entry point into the Columbus market. The Company's operations are mainly comprised of three business segments: core banking, trust and investment advisory services, and insurance operations. The core banking segment involves attracting deposits from the gene...moreral public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans in the Company's local markets. The core banking segment also involves the sale of residential mortgage loans in the secondary market. The core banking segment is comprised by the Company's banking subsidiary, German American Bancorp. The trust and investment advisory services segment involves providing trust, investment advisory, and brokerage services to customers. The trust and investment advisory services segment’s is comprised of German American Financial Advisors & Trust Company. The insurance segment offers a full range of personal and corporate property and casualty insurance products, primarily in the Company’s banking subsidiary’s local markets. The insurance segment consists of German American Insurance, Inc., which provides personal and corporate insurance products. The Company's subsidiaries compete for commercial and retail banking business within its core banking segment. It competes for loans and deposits not only with commercial banks but also with savings and loan associations, savings banks, credit unions, production credit associations, federal land banks, finance companies, credit card companies, personal loan companies, investment brokerage firms, insurance agencies, insurance companies, lease finance companies, money market funds, mortgage companies, and other non-depository financial intermediaries. The Company is subject to regulation and supervision by the Board of Governors of the Federal Reserve System under the Bank Holding Company Act of 1956, as amended.lessless

                  Key People

                  Mark A. Schroeder

                  CEO/Chairman of the Board

                  Bradley M. Rust

                  CFO/CFO, Subsidiary/Chief Accounting Officer/Executive VP/Executive VP, Subsidiary/Other Corporate Officer

                  Christina Miller Ernst

                  Director

                  Mr. M. Darren Root

                  Director

                  Mr. Raymond W Snowden

                  Director

                  Incorporated

                  0

                  Employees

                  480

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