Based on the analysis of German American's profitability, liquidity, and operating efficiency, German American Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. At present, German American's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 2.7 B, whereas Total Current Liabilities is forecasted to decline to about 6 M. Key indicators impacting German American's financial strength include:
The financial analysis of German American is a critical element in measuring its lifeblood. Investors should not minimize German American's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.
Net Income
88 Million
German
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Understanding current and past German American Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of German American's financial statements are interrelated, with each one affecting the others. For example, an increase in German American's assets may result in an increase in income on the income statement.
Please note, the presentation of German American's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, German American's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of German American's management manipulating its earnings.
German American Stock Summary
German American competes with Lakeland Financial, Great Southern, First Merchants, First Financial, and First Community. German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana. German Amer operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 894 people.
Comparative valuation techniques use various fundamental indicators to help in determining German American's current stock value. Our valuation model uses many indicators to compare German American value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across German American competition to find correlations between indicators driving German American's intrinsic value. More Info.
German American Bancorp is rated # 2 in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about 0.11 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for German American Bancorp is roughly 9.01 . At present, German American's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the German American's earnings, one of the primary drivers of an investment's value.
German American Bancorp Systematic Risk
German American's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. German American volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on German American Bancorp correlated with the market. If Beta is less than 0 German American generally moves in the opposite direction as compared to the market. If German American Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one German American Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of German American is generally in the same direction as the market. If Beta > 1 German American moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in German American Stock are looking for potential investment opportunities by analyzing not only static indicators but also various German American's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of German American growth as a starting point in their analysis.
Price Earnings To Growth Ratio
(4.92)
At present, German American's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.
German American March 24, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of German American help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of German American Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of German American Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing German Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build German American's daily price indicators and compare them against related drivers.
When running German American's price analysis, check to measure German American's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy German American is operating at the current time. Most of German American's value examination focuses on studying past and present price action to predict the probability of German American's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move German American's price. Additionally, you may evaluate how the addition of German American to your portfolios can decrease your overall portfolio volatility.