Shares Outstanding Shares Outstanding n/a Close	37.48M
Shares Change (YoY) Shares Change (YoY) n/a Close	26.16%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	26.11%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	54.87%
Shares Floating Shares Floating n/a Close	35.88M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	534
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.43%

Short Selling Information

The latest short interest is 1.08M, so 2.89% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	1.08M
Short % of Shares Out Short % of Shares Out n/a Close	2.89%
Short % of Float Short % of Float n/a Close	3.01%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	10.42

Valuation Ratios

The PE ratio is 14.23 and the forward PE ratio is 10.29. German American Bancorp's PEG ratio is -5.18.

PE Ratio PE Ratio n/a Close	14.23
Forward PE Forward PE n/a Close	10.29
PS Ratio PS Ratio n/a Close	5.55
Forward PS Forward PS n/a Close	3.7
PB Ratio PB Ratio n/a Close	1.67
P/FCF Ratio P/FCF Ratio n/a Close	13.15
PEG Ratio PEG Ratio n/a Close	-5.18

Financial Ratio History

Enterprise Valuation

German American Bancorp has an Enterprise Value (EV) of 1.28B.

EV / Sales EV / Sales n/a Close	5.94
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	13.34
EV / FCF EV / FCF n/a Close	14.07

Financial Position

The company has a current ratio of 0.7, with a Debt / Equity ratio of 0.21.

Current Ratio Current Ratio n/a Close	0.7
Quick Ratio Quick Ratio n/a Close	0.7
Debt / Equity Debt / Equity n/a Close	0.21
Debt / EBITDA Debt / EBITDA n/a Close	1.35
Debt / FCF Debt / FCF n/a Close	1.69
Interest Coverage Interest Coverage n/a Close	0.05

Financial Efficiency

Return on Equity is 11.72% and Return on Invested Capital is -1.15%.

Return on Equity Return on Equity n/a Close	11.72%
Return on Assets Return on Assets n/a Close	1.33%
Return on Invested Capital Return on Invested Capital n/a Close	-1.15%
Revenue Per Employee Revenue Per Employee n/a Close	$309,196.08
Profits Per Employee Profits Per Employee n/a Close	$82,167.65
Employee Count Employee Count n/a Close	1,020
Asset Turnover Asset Turnover n/a Close	0.03
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	20.29M
Effective Tax Rate Effective Tax Rate n/a Close	19.49%

Stock Price Statistics

The stock price has increased by 13.4% in the last 52 weeks. The beta is 0.58, so German American Bancorp's price volatility has been higher than the market average.

Beta Beta n/a Close	0.58
52-Week Price Change 52-Week Price Change n/a Close	13.4%
50-Day Moving Average 50-Day Moving Average n/a Close	37.57
200-Day Moving Average 200-Day Moving Average n/a Close	39.8
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	38.72
Average Volume (20 Days) Average Volume (20 Days) n/a Close	123,560

Income Statement

In the last 12 months, German American Bancorp had revenue of 315.38M and earned 83.81M in profits. Earnings per share was 2.83.

Revenue Revenue n/a Close	315.38M
Gross Profit Gross Profit n/a Close	212.15M
Operating Income Operating Income n/a Close	5.42M
Net Income Net Income n/a Close	83.81M
EBITDA EBITDA n/a Close	113.38M
EBIT EBIT n/a Close	104.1M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	2.83

Full Income Statement

Balance Sheet

The company has 69.75M in cash and 153.27M in debt, giving a net cash position of -83.52M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	69.75M
Total Debt Total Debt n/a Close	153.27M
Net Cash Net Cash n/a Close	-83.52M
Retained Earnings Retained Earnings n/a Close	513.59M
Total Assets Total Assets n/a Close	6.3B
Working Capital Working Capital n/a Close	189.29M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 95.7M and capital expenditures -5.05M, giving a free cash flow of 90.72M.

Operating Cash Flow Operating Cash Flow n/a Close	95.7M
Capital Expenditures Capital Expenditures n/a Close	-5.05M
Free Cash Flow Free Cash Flow n/a Close	90.72M
FCF Per Share FCF Per Share n/a Close	3.06

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 2.52% and 38.99%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	2.52%
Pretax Margin Pretax Margin n/a Close	48.43%
Profit Margin Profit Margin n/a Close	38.99%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	1.72%
FCF Margin FCF Margin n/a Close	28.76%

Dividends & Yields

GABC pays an annual dividend of $1.39, which amounts to a dividend yield of 2.89%.

Dividend Per Share Dividend Per Share n/a Close	$1.39
Dividend Yield Dividend Yield n/a Close	2.89%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	7.41%
Payout Ratio Payout Ratio n/a Close	55.82%
Earnings Yield Earnings Yield n/a Close	7.03%
FCF Yield FCF Yield n/a Close	7.61%

Dividend Details

Analyst Forecast

The average price target for GABC is $44.5, which is 20.6% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$44.5
Price Target Difference Price Target Difference n/a Close	20.6%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	4

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$14.15
Lynch Upside Lynch Upside n/a Close	-61.65%
Graham Number Graham Number n/a Close	39.16
Graham Upside Graham Upside n/a Close	6.12%

Stock Splits

The last stock split was on Apr 24, 2017. It was a forward split with a ratio of 3:2.

Last Split Date Last Split Date n/a Close	Apr 24, 2017
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	3:2

Scores

Altman Z-Score Altman Z-Score n/a Close	0.37
Piotroski F-Score Piotroski F-Score n/a Close	4