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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.19
GABC's Cash to Debt is ranked lower than
84% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. GABC: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
GABC' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.22 Max: No Debt
Current: 0.19
Equity to Asset 0.11
GABC's Equity to Asset is ranked higher than
60% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. GABC: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
GABC' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage 6.68
GABC's Interest Coverage is ranked higher than
86% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. GABC: 6.68 )
Ranked among companies with meaningful Interest Coverage only.
GABC' s 10-Year Interest Coverage Range
Min: 0.13  Med: 0.48 Max: 6.68
Current: 6.68
0.13
6.68
F-Score: 4
WACC vs ROIC
11.57%
7.74%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 42.20
GABC's Operating margin (%) is ranked higher than
75% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. GABC: 42.20 )
Ranked among companies with meaningful Operating margin (%) only.
GABC' s 10-Year Operating margin (%) Range
Min: 15.87  Med: 28.85 Max: 41.12
Current: 42.2
15.87
41.12
Net-margin (%) 29.50
GABC's Net-margin (%) is ranked higher than
72% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. GABC: 29.50 )
Ranked among companies with meaningful Net-margin (%) only.
GABC' s 10-Year Net-margin (%) Range
Min: 14.6  Med: 21.79 Max: 28.84
Current: 29.5
14.6
28.84
ROE (%) 13.25
GABC's ROE (%) is ranked higher than
78% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. GABC: 13.25 )
Ranked among companies with meaningful ROE (%) only.
GABC' s 10-Year ROE (%) Range
Min: 5.54  Med: 11.70 Max: 14.68
Current: 13.25
5.54
14.68
ROA (%) 1.33
GABC's ROA (%) is ranked higher than
77% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. GABC: 1.33 )
Ranked among companies with meaningful ROA (%) only.
GABC' s 10-Year ROA (%) Range
Min: 0.5  Med: 1.02 Max: 1.5
Current: 1.33
0.5
1.5
Revenue Growth (3Y)(%) 3.00
GABC's Revenue Growth (3Y)(%) is ranked higher than
56% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. GABC: 3.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
GABC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.8  Med: 6.20 Max: 9.7
Current: 3
-1.8
9.7
EBITDA Growth (3Y)(%) 9.10
GABC's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. GABC: 9.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
GABC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -14.2  Med: 9.10 Max: 20.1
Current: 9.1
-14.2
20.1
EPS Growth (3Y)(%) 10.00
GABC's EPS Growth (3Y)(%) is ranked higher than
52% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. GABC: 10.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
GABC' s 10-Year EPS Growth (3Y)(%) Range
Min: -12.9  Med: 8.40 Max: 20
Current: 10
-12.9
20
» GABC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

GABC Guru Trades in Q2 2014

Jim Simons 26,469 sh (+2.59%)
» More
Q3 2014

GABC Guru Trades in Q3 2014

Jim Simons 27,470 sh (+3.78%)
» More
Q4 2014

GABC Guru Trades in Q4 2014

Jim Simons 28,800 sh (+4.84%)
» More
Q1 2015

GABC Guru Trades in Q1 2015

Jim Simons 35,500 sh (+23.26%)
» More
» Details

Insider Trades

Latest Guru Trades with GABC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 13.15
GABC's P/E(ttm) is ranked higher than
57% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. GABC: 13.15 )
Ranked among companies with meaningful P/E(ttm) only.
GABC' s 10-Year P/E(ttm) Range
Min: 9.11  Med: 13.59 Max: 25.42
Current: 13.15
9.11
25.42
Forward P/E 13.30
GABC's Forward P/E is ranked lower than
62% of the 710 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.18 vs. GABC: 13.30 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.10
GABC's PE(NRI) is ranked higher than
57% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. GABC: 13.10 )
Ranked among companies with meaningful PE(NRI) only.
GABC' s 10-Year PE(NRI) Range
Min: 9.14  Med: 13.58 Max: 25.5
Current: 13.1
9.14
25.5
P/B 1.62
GABC's P/B is ranked lower than
80% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GABC: 1.62 )
Ranked among companies with meaningful P/B only.
GABC' s 10-Year P/B Range
Min: 1.07  Med: 1.60 Max: 2.28
Current: 1.62
1.07
2.28
P/S 3.87
GABC's P/S is ranked lower than
68% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. GABC: 3.87 )
Ranked among companies with meaningful P/S only.
GABC' s 10-Year P/S Range
Min: 1.97  Med: 3.01 Max: 4.52
Current: 3.87
1.97
4.52
PFCF 11.19
GABC's PFCF is ranked higher than
51% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. GABC: 11.19 )
Ranked among companies with meaningful PFCF only.
GABC' s 10-Year PFCF Range
Min: 4.96  Med: 12.98 Max: 72.55
Current: 11.19
4.96
72.55
POCF 10.32
GABC's POCF is ranked lower than
53% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. GABC: 10.32 )
Ranked among companies with meaningful POCF only.
GABC' s 10-Year POCF Range
Min: 4.56  Med: 10.34 Max: 22.09
Current: 10.32
4.56
22.09
EV-to-EBIT 12.63
GABC's EV-to-EBIT is ranked higher than
56% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. GABC: 12.63 )
Ranked among companies with meaningful EV-to-EBIT only.
GABC' s 10-Year EV-to-EBIT Range
Min: 10  Med: 15.60 Max: 31.3
Current: 12.63
10
31.3
PEG 0.90
GABC's PEG is ranked higher than
59% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. GABC: 0.90 )
Ranked among companies with meaningful PEG only.
GABC' s 10-Year PEG Range
Min: 0.69  Med: 1.27 Max: 9.27
Current: 0.9
0.69
9.27
Shiller P/E 16.35
GABC's Shiller P/E is ranked higher than
52% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. GABC: 16.35 )
Ranked among companies with meaningful Shiller P/E only.
GABC' s 10-Year Shiller P/E Range
Min: 11.3  Med: 16.26 Max: 23.04
Current: 16.35
11.3
23.04
Days Sales Outstanding 73.14
GABC's Days Sales Outstanding is ranked lower than
72% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. GABC: 73.14 )
Ranked among companies with meaningful Days Sales Outstanding only.
GABC' s 10-Year Days Sales Outstanding Range
Min: 58.34  Med: 149.78 Max: 296.09
Current: 73.14
58.34
296.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.27
GABC's Dividend Yield is ranked lower than
58% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. GABC: 2.27 )
Ranked among companies with meaningful Dividend Yield only.
GABC' s 10-Year Dividend Yield Range
Min: 1.97  Med: 3.48 Max: 5.33
Current: 2.27
1.97
5.33
Dividend Payout 0.29
GABC's Dividend Payout is ranked higher than
58% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. GABC: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
GABC' s 10-Year Dividend Payout Range
Min: 0.26  Med: 0.50 Max: 2.69
Current: 0.29
0.26
2.69
Dividend growth (3y) 4.60
GABC's Dividend growth (3y) is ranked lower than
59% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. GABC: 4.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
GABC' s 10-Year Dividend growth (3y) Range
Min: -1.1  Med: 2.30 Max: 20.1
Current: 4.6
-1.1
20.1
Yield on cost (5-Year) 2.57
GABC's Yield on cost (5-Year) is ranked lower than
58% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. GABC: 2.57 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
GABC' s 10-Year Yield on cost (5-Year) Range
Min: 2.23  Med: 3.94 Max: 6.03
Current: 2.57
2.23
6.03
Share Buyback Rate -1.70
GABC's Share Buyback Rate is ranked higher than
52% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. GABC: -1.70 )
Ranked among companies with meaningful Share Buyback Rate only.
GABC' s 10-Year Share Buyback Rate Range
Min: 3.6  Med: -0.20 Max: -32
Current: -1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.78
GABC's Price/Tangible Book is ranked lower than
78% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. GABC: 1.78 )
Ranked among companies with meaningful Price/Tangible Book only.
GABC' s 10-Year Price/Tangible Book Range
Min: 1.35  Med: 1.82 Max: 3.15
Current: 1.78
1.35
3.15
Price/Projected FCF 0.70
GABC's Price/Projected FCF is ranked lower than
51% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. GABC: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
GABC' s 10-Year Price/Projected FCF Range
Min: 0.46  Med: 0.71 Max: 1.47
Current: 0.7
0.46
1.47
Price/DCF (Earnings Based) 0.77
GABC's Price/DCF (Earnings Based) is ranked lower than
53% of the 55 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. GABC: 0.77 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.28
GABC's Price/Median PS Value is ranked lower than
73% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. GABC: 1.28 )
Ranked among companies with meaningful Price/Median PS Value only.
GABC' s 10-Year Price/Median PS Value Range
Min: 0.71  Med: 1.23 Max: 2.59
Current: 1.28
0.71
2.59
Price/Peter Lynch Fair Value 0.97
GABC's Price/Peter Lynch Fair Value is ranked lower than
51% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. GABC: 0.97 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
GABC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.78  Med: 1.42 Max: 4.29
Current: 0.97
0.78
4.29
Price/Graham Number 1.02
GABC's Price/Graham Number is ranked lower than
65% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. GABC: 1.02 )
Ranked among companies with meaningful Price/Graham Number only.
GABC' s 10-Year Price/Graham Number Range
Min: 0.77  Med: 1.15 Max: 1.74
Current: 1.02
0.77
1.74
Earnings Yield (Greenblatt) (%) 7.88
GABC's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. GABC: 7.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
GABC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3.2  Med: 6.45 Max: 10
Current: 7.88
3.2
10
Forward Rate of Return (Yacktman) (%) 21.54
GABC's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. GABC: 21.54 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
GABC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 9.9  Med: 17.65 Max: 24.9
Current: 21.54
9.9
24.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:GAB.Germany,
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 subsidiary 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 general 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.
» More Articles for NAS:GABC

Headlines

Articles On GuruFocus.com
GABC – Attractively Valued and Stable Stock Mar 25 2015 
July Value Idea Contest Announcement Aug 12 2014 
UMBF: Regional Banking with an Institutional Investment Edge Aug 10 2014 
German American Bancorp: A Resilient Regional Jul 21 2014 
comment on GABC Apr 03 2012 
Weekly Top Insider Buys: APA, DLTR, PTP, NPBC, GABC Oct 24 2011 
German American Bancorp Inc. Reports Operating Results (10-K) Mar 11 2011 
German American Bancorp Inc. Reports Operating Results (10-Q) Nov 08 2010 

More From Other Websites
GERMAN AMERICAN BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 28 2015
German American Bancorp, Inc. (GABC) Reports Strong Quarterly and Year-to-Date Earnings Growth Jul 27 2015
German American Bancorp posts 2Q profit Jul 27 2015
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German American Bancorp, Inc. (GABC) Reports Strong Quarterly and Year-to-Date Earnings Growth Jul 27 2015
German American Bancorp, Inc. to Present at KBW Community Bank Investor Conference Jul 20 2015
German American Bancorp, Inc. to Present at KBW Community Bank Investor Conference Jul 20 2015
GERMAN AMERICAN BANCORP, INC. Files SEC form 8-K, Change in Directors or Principal Officers Jul 01 2015
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GERMAN AMERICAN BANCORP, INC. Financials May 19 2015
10-Q for German American Bancorp, Inc. May 13 2015
GERMAN AMERICAN BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... May 12 2015
GERMAN AMERICAN BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 11 2015
German American Bancorp, Inc. to Present at the D.A. Davidson 17th Annual Financial Services... May 08 2015
German American Bancorp, Inc. to Present at the D.A. Davidson 17th Annual Financial Services... May 08 2015
10-K for German American Bancorp, Inc. May 07 2015
GERMAN AMERICAN BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2015
German American Bancorp posts 1Q profit Apr 27 2015
German American Bancorp posts 1Q profit Apr 27 2015
GERMAN AMERICAN BANCORP, INC. Files SEC form 10-K, Annual Report Mar 09 2015

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