German Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . German American Bancorp
GABC Stock  USD 39.60  0.41  1.05%   
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
1.5 B
Enterprise Value Revenue
6.6909
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 951.3 M

German American Total Revenue

305.6 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 11.5 M, Interest Expense of 105.5 M or Selling General Administrative of 103.9 M, as well as many indicators such as Price To Sales Ratio of 4.69, Ptb Ratio of 2.01 or Capex To Depreciation of 1.16. 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 Assets7.4 B7.1 B3.9 B
Slightly volatile
Short and Long Term Debt Total165.5 M147.2 M199.4 M
Pretty Stable
Total Current Liabilities6 M6.4 M55 M
Pretty Stable
Total Stockholder Equity801.2 M763.1 M428.9 M
Slightly volatile
Property Plant And Equipment Net128.9 M122.8 M70.9 M
Slightly volatile
Retained Earnings557.4 M530.9 M239.2 M
Slightly volatile
Accounts Payable52.8 M50.3 M30.3 M
Slightly volatile
Cash95.8 M91.2 M55.4 M
Slightly volatile
Non Current Assets Total7.2 B6.9 B2.1 B
Slightly volatile
Cash And Short Term Investments230.5 M132.6 M411.6 M
Pretty Stable
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 Equity7.4 B7.1 B3.9 B
Slightly volatile
Other Stockholder Equity470.2 M447.8 M226.2 M
Slightly volatile
Total Liabilities6.6 B6.3 B3.5 B
Slightly volatile
Property Plant And Equipment Gross216.7 M206.4 M94.7 M
Slightly volatile
Total Current Assets126 M132.6 M1 B
Slightly volatile
Short Term Debt92.3 M106.7 M95.9 M
Pretty Stable
Good Will217.8 M207.4 M91.5 M
Slightly volatile
Other Current Assets160 M168.4 M699.2 M
Slightly volatile
Non Current Liabilities Total6.6 B6.3 B1.3 B
Slightly volatile
Common Stock Total Equity26.1 M33.9 M21 M
Slightly volatile
Common Stock32.3 M34 M154.8 M
Pretty Stable
Other Liabilities20.7 M29.9 M23.9 M
Slightly volatile
Long Term Debt127.9 M144.1 M141.4 M
Slightly volatile
Short Term Investments49.1 M41.4 M62.9 M
Slightly volatile
Intangible Assets4.6 M7.3 M5.3 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 B1.8 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 Obligations2.5 M2.4 M3.3 M
Slightly volatile
Net Invested Capital862.1 M907.2 M733.4 M
Slightly volatile
Capital Stock32.3 M34 M51.1 M
Pretty Stable

German American Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization11.5 M11 M5.2 M
Slightly volatile
Interest Expense105.5 M100.5 M27.8 M
Slightly volatile
Selling General Administrative103.9 M99 M55.3 M
Slightly volatile
Total Revenue305.6 M291 M163.4 M
Slightly volatile
Gross Profit305.6 M291 M153.4 M
Slightly volatile
Operating Income132 M125.7 M52.5 M
Slightly volatile
EBIT125 M119 M72 M
Slightly volatile
EBITDA136.5 M130 M77.2 M
Slightly volatile
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 Expenses5.9 M5.6 M3.4 M
Slightly volatile
Cost Of Revenue10.5 M17.6 M14.8 M
Very volatile
Net Income Applicable To Common Shares98.8 M94.1 M51.1 M
Slightly volatile
Net Income From Continuing Ops67.2 M102.1 M61.5 M
Slightly volatile
Tax Provision15.5 M22.2 M13.9 M
Slightly volatile
Net Interest Income152.1 M226.8 M125 M
Slightly volatile
Interest Income173.6 M288.1 M143.1 M
Slightly volatile
Reconciled Depreciation7.1 M11 M6 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 Flow122.5 M116.7 M60.6 M
Slightly volatile
Begin Period Cash Flow73.4 M135 M106.1 M
Slightly volatile
Depreciation11.5 M11 M6.7 M
Slightly volatile
Capital Expenditures4.1 M6.6 M5.9 M
Slightly volatile
Total Cash From Operating Activities129.5 M123.3 M66.7 M
Slightly volatile
Net Income103.7 M98.8 M51.8 M
Slightly volatile
End Period Cash Flow75.1 M132.6 M112.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio4.694.09834.2593
Slightly volatile
PTB Ratio2.011.661.6967
Pretty Stable
Capex To Depreciation1.160.691.0014
Very volatile
PB Ratio2.011.661.6967
Pretty Stable
ROIC0.01630.01710.0203
Very volatile
Net Income Per Share2.972.82611.9789
Slightly volatile
Payables Turnover0.330.480.4311
Pretty Stable
Sales General And Administrative To Revenue0.40.390.3464
Slightly volatile
POCF Ratio15.0710.2711.8738
Very volatile
Interest Coverage1.191.492.2148
Slightly volatile
Capex To Operating Cash Flow0.05850.06160.1069
Slightly volatile
PFCF Ratio19.9810.8513.6398
Very volatile
Days Payables Outstanding1 K783899
Slightly volatile
Income Quality1.751.441.3203
Slightly volatile
ROE0.0880.120.1162
Pretty Stable
EV To Operating Cash Flow18.5410.814.1008
Very volatile
PE Ratio18.9814.231814.6352
Pretty Stable
Return On Tangible Assets0.00870.0130.0125
Slightly volatile
EV To Free Cash Flow10.8411.4115.3668
Pretty Stable
Earnings Yield0.0510.07030.0709
Pretty Stable
Intangibles To Total Assets0.02870.02730.0199
Slightly volatile
Net Debt To EBITDA0.470.53.3768
Slightly volatile
Current Ratio13.9414.6830.1087
Pretty Stable
Receivables Turnover2.383.863.8921
Pretty Stable
Debt To Equity0.210.220.5624
Slightly volatile
Revenue Per Share10.39.81386.5548
Slightly volatile
Debt To Assets0.02270.02390.0597
Slightly volatile
Enterprise Value Over EBITDA13.3910.2413.7606
Slightly volatile
Dividend Yield0.02950.03530.0236
Slightly volatile
Days Sales Outstanding16597.76112
Slightly volatile
Book Value Per Share21.2120.216.3353
Slightly volatile
Free Cash Flow Yield0.0680.09530.0826
Very volatile
Operating Cash Flow Per Share3.433.272.5183
Slightly volatile
Stock Based Compensation To Revenue0.00570.00840.0075
Pretty Stable
EV To Sales4.383.615.1184
Very volatile
Free Cash Flow Per Share3.243.092.2716
Slightly volatile
Capex To Revenue0.0250.02640.0403
Pretty Stable
Cash Per Share2.73.514.6598
Slightly volatile
Payout Ratio0.480.390.323
Slightly volatile
Tangible Book Value Per Share15.2514.5212.896
Slightly volatile
Graham Number36.234.4826.7395
Slightly volatile
Shareholders Equity Per Share21.2120.216.3353
Slightly volatile
Capex Per Share0.140.170.243
Pretty Stable
Interest Debt Per Share6.75.919.3296
Very volatile
Short Term Coverage Ratios4.163.962.2928
Slightly volatile
Price Earnings Ratio18.9814.231814.6352
Pretty Stable
Price Book Value Ratio2.011.661.6967
Pretty Stable
Days Of Payables Outstanding1 K783899
Slightly volatile
Price To Operating Cash Flows Ratio15.0710.2711.8738
Very volatile
Price To Free Cash Flows Ratio19.9810.8513.6398
Very volatile
Pretax Profit Margin0.270.35770.3778
Very volatile
Ebt Per Ebit0.810.857.6064
Slightly volatile
Operating Profit Margin0.550.50.3155
Pretty Stable
Effective Tax Rate0.280.19490.237
Slightly volatile
Company Equity Multiplier11.2110.669.7156
Pretty Stable
Long Term Debt To Capitalization0.140.150.2126
Slightly volatile
Total Debt To Capitalization0.140.150.3301
Slightly volatile
Return On Capital Employed0.01940.02050.0129
Pretty Stable
Debt Equity Ratio0.210.220.5624
Slightly volatile
Ebit Per Revenue0.550.50.3155
Pretty Stable
Quick Ratio13.9414.6831.4444
Pretty Stable
Dividend Paid And Capex Coverage Ratio2.062.742.8192
Very volatile
Net Income Per E B T0.610.80510.7562
Slightly volatile
Cash Ratio10.610.093.1778
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.670.850.8706
Pretty Stable
Cash Flow Coverage Ratios1.010.960.423
Slightly volatile
Price To Book Ratio2.011.661.6967
Pretty Stable
Fixed Asset Turnover1.722.112.246
Pretty Stable
Capital Expenditure Coverage Ratio17.6416.811.9349
Slightly volatile
Price Cash Flow Ratio15.0710.2711.8738
Very volatile
Enterprise Value Multiple13.3910.2413.7606
Slightly volatile
Debt Ratio0.02270.02390.0597
Slightly volatile
Cash Flow To Debt Ratio1.010.960.423
Slightly volatile
Price Sales Ratio4.694.09834.2593
Slightly volatile
Return On Assets0.00860.01260.0122
Slightly volatile
Asset Turnover0.03460.03670.0415
Slightly volatile
Net Profit Margin0.20.2880.2891
Slightly volatile
Gross Profit Margin0.740.830.9035
Slightly volatile
Price Fair Value2.011.661.6967
Pretty Stable
Return On Equity0.0880.120.1162
Pretty Stable
Dividend Payout Ratio0.480.390.323
Slightly volatile
Operating Cash Flow Sales Ratio0.30.380.3747
Slightly volatile
Days Of Sales Outstanding16597.76112
Slightly volatile

German American Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.3 B1.2 B707.4 M
Slightly volatile
Enterprise Value951.3 M906 M806.8 M
Slightly volatile

German Fundamental Market Drivers

Forward Price Earnings12.3153

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 Revenue291 M305.6 M
Cost Of Revenue17.6 M10.5 M
Sales General And Administrative To Revenue 0.39  0.40 
Revenue Per Share 9.81  10.30 
Stock Based Compensation To Revenue 0.01  0.01 
Capex To Revenue 0.03  0.03 
Ebit Per Revenue 0.50  0.55 

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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 Anywhere module to track or share privately all of your investments from the convenience of any device.
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
0.073
Dividend Share
1.1
Earnings Share
2.79
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.
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F Score
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M Score
Details
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Advice
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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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