Financhill
Buy
57

GABC Quote, Financials, Valuation and Earnings

Last price:
$38.66
Seasonality move :
5.7%
Day range:
$38.50 - $39.28
52-week range:
$31.06 - $47.08
Dividend yield:
2.81%
P/E ratio:
15.76x
P/S ratio:
5.13x
P/B ratio:
1.40x
Volume:
85.9K
Avg. volume:
116.2K
1-year change:
20.98%
Market cap:
$1.5B
Revenue:
$214.9M
EPS (TTM):
$2.48

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
GABC
German American Bancorp
$79.6M $0.66 238.34% 21.26% $44.67
BANF
BancFirst
$161.7M $1.58 6.36% 7.62% $121.00
CHCO
City Holding
$73.1M $1.85 7.06% 1.19% $122.33
FFIN
First Financial Bankshares
$149.4M $0.43 19.33% 19.6% $36.75
LKFN
Lakeland Financial
$63.7M $0.89 -2.5% 11.04% $65.40
NBTB
NBT Bancorp
$151M $0.74 22.44% 20.05% $50.40
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
GABC
German American Bancorp
$39.09 $44.67 $1.5B 15.76x $0.29 2.81% 5.13x
BANF
BancFirst
$123.00 $121.00 $4.1B 18.61x $0.46 1.47% 6.41x
CHCO
City Holding
$119.14 $122.33 $1.7B 14.93x $0.79 2.59% 6.08x
FFIN
First Financial Bankshares
$34.85 $36.75 $5B 21.51x $0.18 2.07% 8.98x
LKFN
Lakeland Financial
$59.93 $65.40 $1.5B 17.12x $0.50 3.27% 6.01x
NBTB
NBT Bancorp
$43.32 $50.40 $2B 14.34x $0.34 3.09% 3.49x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
GABC
German American Bancorp
17.15% 1.409 15.41% 19.78x
BANF
BancFirst
-- 1.094 -- 986.26x
CHCO
City Holding
16.55% 0.970 8.72% 3.26x
FFIN
First Financial Bankshares
1.24% 1.423 0.92% 38.51x
LKFN
Lakeland Financial
13.48% 1.536 7.12% 10.39x
NBTB
NBT Bancorp
16.66% 1.426 15.44% 22.88x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
GABC
German American Bancorp
-- -- 8.03% 9.78% 52.79% $28M
BANF
BancFirst
-- -- 13.51% 14.13% 43.12% $2M
CHCO
City Holding
-- -- 13.56% 16.39% 80.78% $31.3M
FFIN
First Financial Bankshares
-- -- 14.18% 14.54% 84.95% $74.7M
LKFN
Lakeland Financial
-- -- 12.23% 13.34% 96.89% $27.1M
NBTB
NBT Bancorp
-- -- 7.69% 9.55% 61.03% $45.5M

German American Bancorp vs. Competitors

  • Which has Higher Returns GABC or BANF?

    BancFirst has a net margin of 12.92% compared to German American Bancorp's net margin of 34.04%. German American Bancorp's return on equity of 9.78% beat BancFirst's return on equity of 14.13%.

    Company Gross Margin Earnings Per Share Invested Capital
    GABC
    German American Bancorp
    -- $0.30 $1.3B
    BANF
    BancFirst
    -- $1.67 $1.7B
  • What do Analysts Say About GABC or BANF?

    German American Bancorp has a consensus price target of $44.67, signalling upside risk potential of 14.27%. On the other hand BancFirst has an analysts' consensus of $121.00 which suggests that it could fall by -1.63%. Given that German American Bancorp has higher upside potential than BancFirst, analysts believe German American Bancorp is more attractive than BancFirst.

    Company Buy Ratings Hold Ratings Sell Ratings
    GABC
    German American Bancorp
    2 3 0
    BANF
    BancFirst
    0 3 0
  • Is GABC or BANF More Risky?

    German American Bancorp has a beta of 0.606, which suggesting that the stock is 39.438% less volatile than S&P 500. In comparison BancFirst has a beta of 0.777, suggesting its less volatile than the S&P 500 by 22.295%.

  • Which is a Better Dividend Stock GABC or BANF?

    German American Bancorp has a quarterly dividend of $0.29 per share corresponding to a yield of 2.81%. BancFirst offers a yield of 1.47% to investors and pays a quarterly dividend of $0.46 per share. German American Bancorp pays 38% of its earnings as a dividend. BancFirst pays out 26.7% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios GABC or BANF?

    German American Bancorp quarterly revenues are $81.4M, which are smaller than BancFirst quarterly revenues of $164.8M. German American Bancorp's net income of $10.5M is lower than BancFirst's net income of $56.1M. Notably, German American Bancorp's price-to-earnings ratio is 15.76x while BancFirst's PE ratio is 18.61x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for German American Bancorp is 5.13x versus 6.41x for BancFirst. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    GABC
    German American Bancorp
    5.13x 15.76x $81.4M $10.5M
    BANF
    BancFirst
    6.41x 18.61x $164.8M $56.1M
  • Which has Higher Returns GABC or CHCO?

    City Holding has a net margin of 12.92% compared to German American Bancorp's net margin of 41.91%. German American Bancorp's return on equity of 9.78% beat City Holding's return on equity of 16.39%.

    Company Gross Margin Earnings Per Share Invested Capital
    GABC
    German American Bancorp
    -- $0.30 $1.3B
    CHCO
    City Holding
    -- $2.06 $906.3M
  • What do Analysts Say About GABC or CHCO?

    German American Bancorp has a consensus price target of $44.67, signalling upside risk potential of 14.27%. On the other hand City Holding has an analysts' consensus of $122.33 which suggests that it could grow by 2.68%. Given that German American Bancorp has higher upside potential than City Holding, analysts believe German American Bancorp is more attractive than City Holding.

    Company Buy Ratings Hold Ratings Sell Ratings
    GABC
    German American Bancorp
    2 3 0
    CHCO
    City Holding
    0 6 0
  • Is GABC or CHCO More Risky?

    German American Bancorp has a beta of 0.606, which suggesting that the stock is 39.438% less volatile than S&P 500. In comparison City Holding has a beta of 0.521, suggesting its less volatile than the S&P 500 by 47.932%.

  • Which is a Better Dividend Stock GABC or CHCO?

    German American Bancorp has a quarterly dividend of $0.29 per share corresponding to a yield of 2.81%. City Holding offers a yield of 2.59% to investors and pays a quarterly dividend of $0.79 per share. German American Bancorp pays 38% of its earnings as a dividend. City Holding pays out 37.13% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios GABC or CHCO?

    German American Bancorp quarterly revenues are $81.4M, which are larger than City Holding quarterly revenues of $72.4M. German American Bancorp's net income of $10.5M is lower than City Holding's net income of $30.3M. Notably, German American Bancorp's price-to-earnings ratio is 15.76x while City Holding's PE ratio is 14.93x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for German American Bancorp is 5.13x versus 6.08x for City Holding. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    GABC
    German American Bancorp
    5.13x 15.76x $81.4M $10.5M
    CHCO
    City Holding
    6.08x 14.93x $72.4M $30.3M
  • Which has Higher Returns GABC or FFIN?

    First Financial Bankshares has a net margin of 12.92% compared to German American Bancorp's net margin of 42.21%. German American Bancorp's return on equity of 9.78% beat First Financial Bankshares's return on equity of 14.54%.

    Company Gross Margin Earnings Per Share Invested Capital
    GABC
    German American Bancorp
    -- $0.30 $1.3B
    FFIN
    First Financial Bankshares
    -- $0.43 $1.7B
  • What do Analysts Say About GABC or FFIN?

    German American Bancorp has a consensus price target of $44.67, signalling upside risk potential of 14.27%. On the other hand First Financial Bankshares has an analysts' consensus of $36.75 which suggests that it could grow by 5.45%. Given that German American Bancorp has higher upside potential than First Financial Bankshares, analysts believe German American Bancorp is more attractive than First Financial Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    GABC
    German American Bancorp
    2 3 0
    FFIN
    First Financial Bankshares
    0 4 0
  • Is GABC or FFIN More Risky?

    German American Bancorp has a beta of 0.606, which suggesting that the stock is 39.438% less volatile than S&P 500. In comparison First Financial Bankshares has a beta of 0.886, suggesting its less volatile than the S&P 500 by 11.354%.

  • Which is a Better Dividend Stock GABC or FFIN?

    German American Bancorp has a quarterly dividend of $0.29 per share corresponding to a yield of 2.81%. First Financial Bankshares offers a yield of 2.07% to investors and pays a quarterly dividend of $0.18 per share. German American Bancorp pays 38% of its earnings as a dividend. First Financial Bankshares pays out 46.04% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios GABC or FFIN?

    German American Bancorp quarterly revenues are $81.4M, which are smaller than First Financial Bankshares quarterly revenues of $145.4M. German American Bancorp's net income of $10.5M is lower than First Financial Bankshares's net income of $61.3M. Notably, German American Bancorp's price-to-earnings ratio is 15.76x while First Financial Bankshares's PE ratio is 21.51x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for German American Bancorp is 5.13x versus 8.98x for First Financial Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    GABC
    German American Bancorp
    5.13x 15.76x $81.4M $10.5M
    FFIN
    First Financial Bankshares
    8.98x 21.51x $145.4M $61.3M
  • Which has Higher Returns GABC or LKFN?

    Lakeland Financial has a net margin of 12.92% compared to German American Bancorp's net margin of 31.48%. German American Bancorp's return on equity of 9.78% beat Lakeland Financial's return on equity of 13.34%.

    Company Gross Margin Earnings Per Share Invested Capital
    GABC
    German American Bancorp
    -- $0.30 $1.3B
    LKFN
    Lakeland Financial
    -- $0.78 $802.7M
  • What do Analysts Say About GABC or LKFN?

    German American Bancorp has a consensus price target of $44.67, signalling upside risk potential of 14.27%. On the other hand Lakeland Financial has an analysts' consensus of $65.40 which suggests that it could grow by 9.13%. Given that German American Bancorp has higher upside potential than Lakeland Financial, analysts believe German American Bancorp is more attractive than Lakeland Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    GABC
    German American Bancorp
    2 3 0
    LKFN
    Lakeland Financial
    1 3 0
  • Is GABC or LKFN More Risky?

    German American Bancorp has a beta of 0.606, which suggesting that the stock is 39.438% less volatile than S&P 500. In comparison Lakeland Financial has a beta of 0.584, suggesting its less volatile than the S&P 500 by 41.595%.

  • Which is a Better Dividend Stock GABC or LKFN?

    German American Bancorp has a quarterly dividend of $0.29 per share corresponding to a yield of 2.81%. Lakeland Financial offers a yield of 3.27% to investors and pays a quarterly dividend of $0.50 per share. German American Bancorp pays 38% of its earnings as a dividend. Lakeland Financial pays out 52.73% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios GABC or LKFN?

    German American Bancorp quarterly revenues are $81.4M, which are larger than Lakeland Financial quarterly revenues of $63.8M. German American Bancorp's net income of $10.5M is lower than Lakeland Financial's net income of $20.1M. Notably, German American Bancorp's price-to-earnings ratio is 15.76x while Lakeland Financial's PE ratio is 17.12x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for German American Bancorp is 5.13x versus 6.01x for Lakeland Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    GABC
    German American Bancorp
    5.13x 15.76x $81.4M $10.5M
    LKFN
    Lakeland Financial
    6.01x 17.12x $63.8M $20.1M
  • Which has Higher Returns GABC or NBTB?

    NBT Bancorp has a net margin of 12.92% compared to German American Bancorp's net margin of 23.76%. German American Bancorp's return on equity of 9.78% beat NBT Bancorp's return on equity of 9.55%.

    Company Gross Margin Earnings Per Share Invested Capital
    GABC
    German American Bancorp
    -- $0.30 $1.3B
    NBTB
    NBT Bancorp
    -- $0.77 $1.9B
  • What do Analysts Say About GABC or NBTB?

    German American Bancorp has a consensus price target of $44.67, signalling upside risk potential of 14.27%. On the other hand NBT Bancorp has an analysts' consensus of $50.40 which suggests that it could grow by 16.34%. Given that NBT Bancorp has higher upside potential than German American Bancorp, analysts believe NBT Bancorp is more attractive than German American Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    GABC
    German American Bancorp
    2 3 0
    NBTB
    NBT Bancorp
    3 3 0
  • Is GABC or NBTB More Risky?

    German American Bancorp has a beta of 0.606, which suggesting that the stock is 39.438% less volatile than S&P 500. In comparison NBT Bancorp has a beta of 0.575, suggesting its less volatile than the S&P 500 by 42.512%.

  • Which is a Better Dividend Stock GABC or NBTB?

    German American Bancorp has a quarterly dividend of $0.29 per share corresponding to a yield of 2.81%. NBT Bancorp offers a yield of 3.09% to investors and pays a quarterly dividend of $0.34 per share. German American Bancorp pays 38% of its earnings as a dividend. NBT Bancorp pays out 44.27% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios GABC or NBTB?

    German American Bancorp quarterly revenues are $81.4M, which are smaller than NBT Bancorp quarterly revenues of $154.7M. German American Bancorp's net income of $10.5M is lower than NBT Bancorp's net income of $36.7M. Notably, German American Bancorp's price-to-earnings ratio is 15.76x while NBT Bancorp's PE ratio is 14.34x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for German American Bancorp is 5.13x versus 3.49x for NBT Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    GABC
    German American Bancorp
    5.13x 15.76x $81.4M $10.5M
    NBTB
    NBT Bancorp
    3.49x 14.34x $154.7M $36.7M

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