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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.28
GABC's Cash to Debt is ranked higher than
56% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. GABC: 0.28 )
GABC' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.28

Equity to Asset 0.10
GABC's Equity to Asset is ranked higher than
74% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. GABC: 0.10 )
GABC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.1

0.08
0.11
Interest Coverage 5.15
GABC's Interest Coverage is ranked higher than
92% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. GABC: 5.15 )
GABC' s 10-Year Interest Coverage Range
Min: 0.13   Max: 5.15
Current: 5.15

0.13
5.15
F-Score: 5
Z-Score: 0.26
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 : 8/10

vs
industry
vs
history
Operating margin (%) 40.03
GABC's Operating margin (%) is ranked higher than
86% of the 1594 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.40 vs. GABC: 40.03 )
GABC' s 10-Year Operating margin (%) Range
Min: 15.87   Max: 40.03
Current: 40.03

15.87
40.03
Net-margin (%) 27.58
GABC's Net-margin (%) is ranked higher than
85% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. GABC: 27.58 )
GABC' s 10-Year Net-margin (%) Range
Min: 14.6   Max: 27.58
Current: 27.58

14.6
27.58
ROE (%) 12.70
GABC's ROE (%) is ranked higher than
90% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. GABC: 12.70 )
GABC' s 10-Year ROE (%) Range
Min: 5.44   Max: 14.25
Current: 12.7

5.44
14.25
ROA (%) 1.17
GABC's ROA (%) is ranked higher than
88% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. GABC: 1.17 )
GABC' s 10-Year ROA (%) Range
Min: 0.49   Max: 1.41
Current: 1.17

0.49
1.41
ROC (Joel Greenblatt) (%) 91.21
GABC's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.85 vs. GABC: 91.21 )
GABC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 2.52   Max: 94.99
Current: 91.21

2.52
94.99
Revenue Growth (%) 6.80
GABC's Revenue Growth (%) is ranked higher than
88% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. GABC: 6.80 )
GABC' s 10-Year Revenue Growth (%) Range
Min: -1.8   Max: 9.6
Current: 6.8

-1.8
9.6
EBITDA Growth (%) 16.40
GABC's EBITDA Growth (%) is ranked higher than
84% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. GABC: 16.40 )
GABC' s 10-Year EBITDA Growth (%) Range
Min: -14.2   Max: 25.4
Current: 16.4

-14.2
25.4
EPS Growth (%) 17.80
GABC's EPS Growth (%) is ranked higher than
83% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. GABC: 17.80 )
GABC' s 10-Year EPS Growth (%) Range
Min: -12.9   Max: 20
Current: 17.8

-12.9
20
» GABC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2013

GABC Guru Trades in Q2 2013

Jim Simons 42,823 sh (+5.16%)
» More
Q3 2013

GABC Guru Trades in Q3 2013

Jim Simons 29,400 sh (-31.35%)
» More
Q4 2013

GABC Guru Trades in Q4 2013

Jim Simons 30,170 sh (+2.62%)
» More
Q1 2014

GABC Guru Trades in Q1 2014

Jim Simons 25,800 sh (-14.48%)
» More
» Details

Insider Trades

Latest Guru Trades with GABC



No Insider Trades Found!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
GABC's P/E(ttm) is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. GABC: 12.80 )
GABC' s 10-Year P/E(ttm) Range
Min: 9.11   Max: 25.42
Current: 12.8

9.11
25.42
P/B 1.60
GABC's P/B is ranked higher than
59% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. GABC: 1.60 )
GABC' s 10-Year P/B Range
Min: 1.07   Max: 2.4
Current: 1.6

1.07
2.4
P/S 3.50
GABC's P/S is ranked higher than
65% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. GABC: 3.50 )
GABC' s 10-Year P/S Range
Min: 1.97   Max: 4.88
Current: 3.5

1.97
4.88
PFCF 7.10
GABC's PFCF is ranked higher than
83% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 26.04 vs. GABC: 7.10 )
GABC' s 10-Year PFCF Range
Min: 4.95   Max: 24.88
Current: 7.1

4.95
24.88
EV-to-EBIT 11.95
GABC's EV-to-EBIT is ranked higher than
82% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.36 vs. GABC: 11.95 )
GABC' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 31.5
Current: 11.95

7.6
31.5
PEG 0.70
GABC's PEG is ranked higher than
88% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. GABC: 0.70 )
GABC' s 10-Year PEG Range
Min: 0.7   Max: 9.05
Current: 0.7

0.7
9.05
Shiller P/E 16.00
GABC's Shiller P/E is ranked higher than
88% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.15 vs. GABC: 16.00 )
GABC' s 10-Year Shiller P/E Range
Min: 11.3   Max: 24.27
Current: 16

11.3
24.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.40
GABC's Dividend Yield is ranked higher than
50% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. GABC: 2.40 )
GABC' s 10-Year Dividend Yield Range
Min: 1.97   Max: 5.33
Current: 2.4

1.97
5.33
Dividend Payout 0.30
GABC's Dividend Payout is ranked higher than
86% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GABC: 0.30 )
GABC' s 10-Year Dividend Payout Range
Min: 0.25   Max: 2.69
Current: 0.3

0.25
2.69
Dividend growth (3y) 2.30
GABC's Dividend growth (3y) is ranked higher than
71% of the 962 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. GABC: 2.30 )
GABC' s 10-Year Dividend growth (3y) Range
Min: -1.1   Max: 20.1
Current: 2.3

-1.1
20.1
Yield on cost (5-Year) 2.57
GABC's Yield on cost (5-Year) is ranked higher than
51% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. GABC: 2.57 )
GABC' s 10-Year Yield on cost (5-Year) Range
Min: 2.11   Max: 5.71
Current: 2.57

2.11
5.71
Share Buyback Rate -4.90
GABC's Share Buyback Rate is ranked higher than
64% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. GABC: -4.90 )
GABC' s 10-Year Share Buyback Rate Range
Min: 3.5   Max: -32
Current: -4.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.90
GABC's Price/Tangible Book is ranked higher than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. GABC: 1.90 )
GABC' s 10-Year Price/Tangible Book Range
Min: 1.31   Max: 8.09
Current: 1.9

1.31
8.09
Price/DCF (Projected) 0.70
GABC's Price/DCF (Projected) is ranked higher than
81% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. GABC: 0.70 )
GABC' s 10-Year Price/DCF (Projected) Range
Min: 0.42   Max: 1.47
Current: 0.7

0.42
1.47
Price/Median PS Value 1.20
GABC's Price/Median PS Value is ranked higher than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. GABC: 1.20 )
GABC' s 10-Year Price/Median PS Value Range
Min: 0.71   Max: 2.59
Current: 1.2

0.71
2.59
Price/Peter Lynch Fair Value 0.80
GABC's Price/Peter Lynch Fair Value is ranked higher than
92% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. GABC: 0.80 )
GABC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.8   Max: 4.74
Current: 0.8

0.8
4.74
Price/Graham Number 1.00
GABC's Price/Graham Number is ranked higher than
71% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. GABC: 1.00 )
GABC' s 10-Year Price/Graham Number Range
Min: 0.77   Max: 4.94
Current: 1

0.77
4.94
Earnings Yield (Greenblatt) 8.40
GABC's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. GABC: 8.40 )
GABC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.2   Max: 13.2
Current: 8.4

3.2
13.2
Forward Rate of Return (Yacktman) 21.63
GABC's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.98 vs. GABC: 21.63 )
GABC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 12.3   Max: 26.5
Current: 21.63

12.3
26.5

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 through its banking subsidiary German American Bancorp, operates 35 retail and commercial banking offices in 13 southern Indiana counties. The Company also owns a trust, brokerage, and financial planning subsidiary and a full line property and casualty insurance agency. The Company's lines of business include retail and commercial banking, mortgage banking, comprehensive financial planning, full service brokerage and trust administration, and a full range of personal and corporate insurance products. 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, mainly 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 primarily consists of German American Insurance, Inc., which provides a full line of personal and corporate insurance products. The Company's subsidiaries compete competes 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 GABC

Headlines

Articles On GuruFocus.com
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 

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