German Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . German American Bancorp
GABC Stock  USD 38.77  0.11  0.28%   
German American financial statements provide useful quarterly and yearly information to potential German American Bancorp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on German American financial statements helps investors assess German American's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting German American's valuation are summarized below:
Gross Profit
250.5 M
Profit Margin
0.3346
Market Capitalization
1.4 B
Enterprise Value Revenue
7.4421
Revenue
250.5 M
We have found one hundred twenty available fundamental trends for German American Bancorp, which can be analyzed and compared to other ratios and to its competitors. Investors should ensure to confirm all of German American's regular performance against the performance from 2010 to 2025 to make sure the company is sustainable down the road. The current year's Market Cap is expected to grow to about 1.3 B. The current year's Enterprise Value is expected to grow to about 1.3 B

German American Total Revenue

225.67 Million

Check German American financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among German American's main balance sheet or income statement drivers, such as Depreciation And Amortization of 9.7 M, Interest Expense of 105.5 M or Selling General Administrative of 89.4 M, as well as many indicators such as Price To Sales Ratio of 4.73, Dividend Yield of 0.0295 or PTB Ratio of 2.0. German financial statements analysis is a perfect complement when working with German American Valuation or Volatility modules.
  
Check out the analysis of German American Correlation against competitors.

German American Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets6.6 B6.3 B3.8 B
Slightly volatile
Short and Long Term Debt Total165.6 M153.3 M199.8 M
Pretty Stable
Total Current Liabilities6 M6.4 M55 M
Pretty Stable
Total Stockholder Equity750.8 M715.1 M422.7 M
Slightly volatile
Property Plant And Equipment Net109.2 M104 M68.5 M
Slightly volatile
Retained Earnings539.3 M513.6 M236.9 M
Slightly volatile
Accounts Payable52.8 M50.3 M30.3 M
Slightly volatile
Cash41.2 M69.2 M50.6 M
Slightly volatile
Non Current Assets Total272.7 M287.1 M1.2 B
Slightly volatile
Cash And Short Term Investments1.7 B1.6 B592.2 M
Slightly volatile
Net Receivables149.7 M142.6 M59.3 M
Slightly volatile
Common Stock Shares Outstanding20.4 M29.7 M22.4 M
Slightly volatile
Liabilities And Stockholders Equity6.6 B6.3 B3.8 B
Slightly volatile
Other Stockholder Equity411.9 M392.3 M219.1 M
Slightly volatile
Total Liabilities5.9 B5.6 B3.4 B
Slightly volatile
Property Plant And Equipment Gross192.6 M183.4 M91.7 M
Slightly volatile
Total Current Assets1 B1.6 B1.2 B
Pretty Stable
Short Term Debt92.3 M106.7 M95.9 M
Pretty Stable
Good Will188 M179 M87.9 M
Slightly volatile
Other Current Assets160 M168.4 M699.2 M
Slightly volatile
Non Current Liabilities Total145.6 M153.3 M487.2 M
Slightly volatile
Common Stock Total Equity26.1 M33.9 M21 M
Slightly volatile
Common Stock28.2 M29.7 M154.3 M
Pretty Stable
Other Liabilities20.7 M29.9 M23.9 M
Slightly volatile
Long Term Debt129.4 M150.9 M141.9 M
Slightly volatile
Short Term Investments1.6 B1.5 B251.6 M
Slightly volatile
Intangible Assets4.6 M4 M5 M
Slightly volatile
Property Plant Equipment135.5 M129.1 M67.4 M
Slightly volatile
Net Tangible Assets338.3 M423.9 M310.4 M
Slightly volatile
Retained Earnings Total Equity489.2 M465.9 M229.8 M
Slightly volatile
Capital Surpluse467.5 M445.2 M231 M
Slightly volatile
Long Term Investments2.1 B1.5 B1.9 B
Slightly volatile
Non Current Liabilities Other267.3 M183.4 M314.9 M
Slightly volatile
Long Term Debt Total70.5 M67.1 M34.6 M
Slightly volatile
Earning Assets879.1 M1.1 B815.3 M
Slightly volatile
Capital Lease Obligations2.4 M2.4 M3.3 M
Slightly volatile
Net Invested Capital873.4 M865.9 M731.5 M
Slightly volatile
Capital Stock28.2 M29.7 M50.5 M
Pretty Stable

German American Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization9.7 M9.3 M5 M
Slightly volatile
Interest Expense105.5 M100.5 M27.8 M
Slightly volatile
Selling General Administrative89.4 M85.2 M53.6 M
Slightly volatile
Total Revenue225.7 M214.9 M153.7 M
Slightly volatile
Gross Profit305.6 M291 M153.4 M
Slightly volatile
Other Operating Expenses225.7 M214.9 M71 M
Slightly volatile
Operating Income5.1 M5.4 M37.1 M
Slightly volatile
EBIT125 M119 M72 M
Slightly volatile
EBITDA5.1 M5.4 M61.2 M
Pretty Stable
Income Before Tax109.3 M104.1 M63 M
Slightly volatile
Net Income88 M83.8 M49.9 M
Slightly volatile
Income Tax Expense21.3 M20.3 M13.1 M
Slightly volatile
Selling And Marketing Expenses2.3 M3.9 M3 M
Slightly volatile
Net Income Applicable To Common Shares98.8 M94.1 M51.1 M
Slightly volatile
Net Income From Continuing Ops69 M83.8 M60.4 M
Slightly volatile
Tax Provision16.2 M20.3 M13.8 M
Slightly volatile
Net Interest Income157.8 M190.6 M123.1 M
Slightly volatile
Interest Income188.3 M291 M144.2 M
Slightly volatile
Reconciled Depreciation7.5 M9.3 M5.9 M
Slightly volatile
Extraordinary Items1.8 M2.1 M2.2 M
Slightly volatile

German American Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow95.3 M90.7 M57.3 M
Slightly volatile
Begin Period Cash Flow75 M115.3 M105 M
Slightly volatile
Depreciation4.7 M9.3 M6.2 M
Slightly volatile
Dividends Paid33.4 M31.8 M16.1 M
Slightly volatile
Capital Expenditures4.1 M5 M5.8 M
Slightly volatile
Total Cash From Operating Activities100.6 M95.8 M63.2 M
Slightly volatile
Net Income88 M83.8 M49.9 M
Slightly volatile
End Period Cash Flow198.2 M188.8 M123.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.735.54974.3525
Slightly volatile
Dividend Yield0.02950.02670.023
Pretty Stable
PTB Ratio2.01.66811.6966
Pretty Stable
Days Sales Outstanding16597.76112
Slightly volatile
Book Value Per Share25.3224.111716.8367
Slightly volatile
Free Cash Flow Yield0.06780.07610.0814
Very volatile
Operating Cash Flow Per Share3.393.22912.5133
Slightly volatile
Stock Based Compensation To Revenue0.01440.01370.0084
Slightly volatile
Capex To Depreciation0.520.5440.9522
Pretty Stable
PB Ratio2.01.66811.6966
Pretty Stable
EV To Sales4.385.94065.2641
Pretty Stable
Free Cash Flow Per Share3.213.05892.2678
Slightly volatile
ROIC0.00220.00230.0184
Pretty Stable
Net Income Per Share2.972.82611.9789
Slightly volatile
Payables Turnover0.330.480.4311
Pretty Stable
Sales General And Administrative To Revenue0.410.39620.3474
Slightly volatile
Capex To Revenue0.02230.02350.0399
Pretty Stable
Cash Per Share56.1753.497211.1259
Slightly volatile
POCF Ratio15.0412.455412.0085
Very volatile
Interest Coverage0.05120.05392.0538
Slightly volatile
Payout Ratio0.480.380.3224
Slightly volatile
Capex To Operating Cash Flow0.05010.05270.1058
Slightly volatile
PFCF Ratio19.8113.148413.7728
Very volatile
Days Payables Outstanding1 K783899
Slightly volatile
Income Quality1.741.14261.3011
Pretty Stable
ROE0.0880.11720.1161
Pretty Stable
EV To Operating Cash Flow18.4313.332814.2522
Pretty Stable
PE Ratio18.9814.231814.6352
Pretty Stable
Return On Tangible Assets0.00880.01370.0125
Slightly volatile
EV To Free Cash Flow23.7114.074616.3377
Pretty Stable
Earnings Yield0.0510.07030.0709
Pretty Stable
Intangibles To Total Assets0.03050.02910.0201
Slightly volatile
Net Debt To EBITDA0.470.53.3768
Slightly volatile
Current Ratio13.9414.6830.1087
Pretty Stable
Tangible Book Value Per Share18.8417.939613.3341
Slightly volatile
Receivables Turnover2.383.863.8921
Pretty Stable
Graham Number41.1139.155827.3386
Slightly volatile
Shareholders Equity Per Share25.3224.111716.8367
Slightly volatile
Debt To Equity0.20.21430.5614
Slightly volatile
Capex Per Share0.140.17020.243
Pretty Stable
Revenue Per Share7.617.24736.2262
Slightly volatile
Interest Debt Per Share6.78.55539.4949
Very volatile
Debt To Assets0.02310.02430.0597
Slightly volatile
Enterprise Value Over EBITDA13.3910.2413.7606
Slightly volatile
Short Term Coverage Ratios4.163.962.2928
Slightly volatile
Price Earnings Ratio18.9814.231814.6352
Pretty Stable
Price Book Value Ratio2.01.66811.6966
Pretty Stable
Days Of Payables Outstanding1 K783899
Slightly volatile
Dividend Payout Ratio0.480.380.3224
Slightly volatile
Price To Operating Cash Flows Ratio15.0412.455412.0085
Very volatile
Price To Free Cash Flows Ratio19.8113.148413.7728
Very volatile
Pretax Profit Margin0.270.48430.3857
Pretty Stable
Ebt Per Ebit20.1719.219.9639
Pretty Stable
Operating Profit Margin0.0240.02520.2529
Very volatile
Effective Tax Rate0.280.19490.237
Slightly volatile
Company Equity Multiplier11.178.80469.5972
Slightly volatile
Long Term Debt To Capitalization0.170.17420.2159
Slightly volatile
Total Debt To Capitalization0.170.17650.3337
Slightly volatile
Return On Capital Employed8.0E-49.0E-40.0105
Very volatile
Debt Equity Ratio0.20.21430.5614
Slightly volatile
Ebit Per Revenue0.0240.02520.2529
Very volatile
Quick Ratio13.9414.6831.4444
Pretty Stable
Dividend Paid And Capex Coverage Ratio2.062.59582.8102
Very volatile
Net Income Per E B T0.610.80510.7562
Slightly volatile
Cash Ratio10.610.093.1778
Slightly volatile
Operating Cash Flow Sales Ratio0.310.44560.3794
Slightly volatile
Days Of Sales Outstanding16597.76112
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.670.94730.8767
Very volatile
Cash Flow Coverage Ratios0.430.62480.3658
Slightly volatile
Price To Book Ratio2.01.66811.6966
Pretty Stable
Fixed Asset Turnover1.722.06572.2432
Pretty Stable
Capital Expenditure Coverage Ratio19.9218.974412.2133
Slightly volatile
Price Cash Flow Ratio15.0412.455412.0085
Very volatile
Enterprise Value Multiple13.3910.2413.7606
Slightly volatile
Debt Ratio0.02310.02430.0597
Slightly volatile
Cash Flow To Debt Ratio0.430.62480.3658
Slightly volatile
Price Sales Ratio4.735.54974.3525
Slightly volatile
Return On Assets0.00870.01330.0123
Slightly volatile
Asset Turnover0.04720.03410.0421
Slightly volatile
Net Profit Margin0.210.38990.2961
Slightly volatile
Gross Profit Margin0.751.35410.9368
Pretty Stable
Price Fair Value2.01.66811.6966
Pretty Stable
Return On Equity0.0880.11720.1161
Pretty Stable

German American Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.3 B1.2 B707.4 M
Slightly volatile
Enterprise Value1.3 B1.3 B854.3 M
Slightly volatile

German Fundamental Market Drivers

Forward Price Earnings12.837
Cash And Short Term Investments1.6 B

German Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
22nd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About German American Financial Statements

German American stakeholders use historical fundamental indicators, such as German American's revenue or net income, to determine how well the company is positioned to perform in the future. Although German American investors may analyze each financial statement separately, they are all interrelated. For example, changes in German American's assets and liabilities are reflected in the revenues and expenses on German American's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in German American Bancorp. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-30.5 M-32 M
Total Revenue214.9 M225.7 M
Cost Of Revenue-76.1 M-72.3 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.40  0.41 
Capex To Revenue 0.02  0.02 
Revenue Per Share 7.25  7.61 
Ebit Per Revenue 0.03  0.02 

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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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Check out the analysis of German American Correlation against competitors.
You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.
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
0.075
Dividend Share
1.1
Earnings Share
2.83
Revenue Per Share
8.446
Quarterly Revenue Growth
0.054
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.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
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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