German American Bancorp Stock Return On Equity

GABC Stock

USD 32.15 0.19 0.59%

German American Bancorp fundamentals help investors to digest information that contributes to German American's financial success or failures. It also enables traders to predict the movement of German Stock. The fundamental analysis module provides a way to measure German American's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to German American stock.

		Last Reported	Projected for Next Year
	Return On Equity	0.13	0.09

As of May 4, 2024, Return On Equity is expected to decline to 0.09.

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German American Bancorp Company Return On Equity Analysis

German American's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.

Return On Equity

Net Income

Total Equity

More About Return On Equity | All Equity Analysis

Current German American Return On Equity

0.13

Most of German American's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, German American Bancorp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

German Return On Equity Driver Correlations

Understanding the fundamental principles of building solid financial models for German American is extremely important. It helps to project a fair market value of German Stock properly, considering its historical fundamentals such as Return On Equity. Since German American's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of German American's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of German American's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Good Will	Common Stock	Long Term Debt	Short Term Investments	Intangible Assets	Property Plant Equipment	Net Tangible Assets	Capital Surpluse	Long Term Investments	Short Long Term Debt	Long Term Debt Total	Earning Assets	Net Invested Capital	Capital Stock	Current Deferred Revenue
Total Assets		0.97	0.21	0.98	0.93	0.76	1.0	-0.41	0.14	0.96	0.43	0.34	0.65	0.63	0.77	0.84	0.94	0.37	-0.86	0.94	0.9	0.81	0.38	-0.8
Total Stockholder Equity	0.97		0.28	0.94	0.94	0.64	0.97	-0.39	0.21	0.92	0.44	0.4	0.62	0.67	0.69	0.92	0.9	0.47	-0.87	0.95	0.92	0.86	0.21	-0.69
Net Debt	0.21	0.28		0.12	0.15	-0.11	0.2	0.54	0.61	0.12	0.37	0.38	-0.2	0.38	0.19	0.29	0.08	0.75	-0.02	0.11	0.19	0.31	-0.02	0.24
Retained Earnings	0.98	0.94	0.12		0.91	0.81	0.98	-0.48	0.07	0.98	0.29	0.31	0.75	0.55	0.81	0.78	0.98	0.31	-0.85	0.94	0.89	0.79	0.35	-0.84
Accounts Payable	0.93	0.94	0.15	0.91		0.72	0.93	-0.56	0.21	0.89	0.41	0.18	0.64	0.62	0.62	0.83	0.88	0.28	-0.78	0.93	0.86	0.78	0.25	-0.67
Net Receivables	0.76	0.64	-0.11	0.81	0.72		0.77	-0.5	0.05	0.84	0.01	0.06	0.8	0.34	0.79	0.34	0.85	0.01	-0.59	0.7	0.63	0.53	0.42	-0.77
Total Liab	1.0	0.97	0.2	0.98	0.93	0.77		-0.41	0.13	0.96	0.43	0.33	0.65	0.63	0.77	0.82	0.95	0.35	-0.85	0.93	0.89	0.8	0.4	-0.81
Total Current Assets	-0.41	-0.39	0.54	-0.48	-0.56	-0.5	-0.41		0.3	-0.5	-0.13	0.18	-0.46	-0.29	-0.33	-0.36	-0.54	0.15	0.36	-0.59	-0.47	-0.41	-0.29	0.57
Short Term Debt	0.14	0.21	0.61	0.07	0.21	0.05	0.13	0.3		0.1	0.12	-0.02	0.1	0.28	0.19	0.16	0.06	0.47	0.11	0.13	0.14	0.31	-0.35	0.16
Good Will	0.96	0.92	0.12	0.98	0.89	0.84	0.96	-0.5	0.1		0.3	0.37	0.76	0.64	0.82	0.75	1.0	0.36	-0.84	0.96	0.91	0.83	0.37	-0.79
Common Stock	0.43	0.44	0.37	0.29	0.41	0.01	0.43	-0.13	0.12	0.3		0.32	-0.34	0.74	0.11	0.57	0.25	0.41	-0.29	0.43	0.42	0.45	0.56	-0.21
Long Term Debt	0.34	0.4	0.38	0.31	0.18	0.06	0.33	0.18	-0.02	0.37	0.32		-0.03	0.61	0.25	0.47	0.34	0.6	-0.52	0.4	0.48	0.5	0.18	-0.08
Short Term Investments	0.65	0.62	-0.2	0.75	0.64	0.8	0.65	-0.46	0.1	0.76	-0.34	-0.03		0.11	0.67	0.37	0.78	-0.01	-0.57	0.66	0.59	0.52	-0.1	-0.65
Intangible Assets	0.63	0.67	0.38	0.55	0.62	0.34	0.63	-0.29	0.28	0.64	0.74	0.61	0.11		0.42	0.69	0.59	0.62	-0.5	0.75	0.75	0.8	0.37	-0.29
Property Plant Equipment	0.77	0.69	0.19	0.81	0.62	0.79	0.77	-0.33	0.19	0.82	0.11	0.25	0.67	0.42		0.47	0.83	0.5	-0.56	0.72	0.68	0.72	0.34	-0.78
Net Tangible Assets	0.84	0.92	0.29	0.78	0.83	0.34	0.82	-0.36	0.16	0.75	0.57	0.47	0.37	0.69	0.47		0.72	0.49	-0.82	0.86	0.9	0.79	0.14	-0.54
Capital Surpluse	0.94	0.9	0.08	0.98	0.88	0.85	0.95	-0.54	0.06	1.0	0.25	0.34	0.78	0.59	0.83	0.72		0.33	-0.83	0.94	0.89	0.81	0.37	-0.81
Long Term Investments	0.37	0.47	0.75	0.31	0.28	0.01	0.35	0.15	0.47	0.36	0.41	0.6	-0.01	0.62	0.5	0.49	0.33		-0.24	0.43	0.44	0.69	-0.03	-0.04
Short Long Term Debt	-0.86	-0.87	-0.02	-0.85	-0.78	-0.59	-0.85	0.36	0.11	-0.84	-0.29	-0.52	-0.57	-0.5	-0.56	-0.82	-0.83	-0.24		-0.82	-0.85	-0.64	-0.26	0.68
Long Term Debt Total	0.94	0.95	0.11	0.94	0.93	0.7	0.93	-0.59	0.13	0.96	0.43	0.4	0.66	0.75	0.72	0.86	0.94	0.43	-0.82		0.94	0.92	0.28	-0.73
Earning Assets	0.9	0.92	0.19	0.89	0.86	0.63	0.89	-0.47	0.14	0.91	0.42	0.48	0.59	0.75	0.68	0.9	0.89	0.44	-0.85	0.94		0.83	0.27	-0.66
Net Invested Capital	0.81	0.86	0.31	0.79	0.78	0.53	0.8	-0.41	0.31	0.83	0.45	0.5	0.52	0.8	0.72	0.79	0.81	0.69	-0.64	0.92	0.83		0.13	-0.56
Capital Stock	0.38	0.21	-0.02	0.35	0.25	0.42	0.4	-0.29	-0.35	0.37	0.56	0.18	-0.1	0.37	0.34	0.14	0.37	-0.03	-0.26	0.28	0.27	0.13		-0.49
Current Deferred Revenue	-0.8	-0.69	0.24	-0.84	-0.67	-0.77	-0.81	0.57	0.16	-0.79	-0.21	-0.08	-0.65	-0.29	-0.78	-0.54	-0.81	-0.04	0.68	-0.73	-0.66	-0.56	-0.49

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German Return On Equity Historical Pattern

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 drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's return on equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of German American return on equity as a starting point in their analysis.

German American Return On Equity

Timeline

For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.

Competition

Predict German American

Return On Equity Over Time

German Total Stockholder Equity

Total Stockholder Equity

696.74 Million

At present, German American's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting.

Based on the latest financial disclosure, German American Bancorp has a Return On Equity of 0.1334. This is 90.8% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 143.03% lower than that of the firm.

German Return On Equity Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses German American's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of German American could also be used in its relative valuation, which is a method of valuing German American by comparing valuation metrics of similar companies.

German American is currently under evaluation in return on equity category among related companies.

German American Current Valuation Drivers

We derive many important indicators used in calculating different scores of German American from analyzing German American's financial statements. These drivers represent accounts that assess German American's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of German American's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	919.9M	878.2M	1.0B	1.1B	958.0M	1.0B
Enterprise Value	1.2B	1.0B	1.1B	1.3B	1.1B	1.1B

German Fundamentals

	Return On Equity	0.13
	Return On Asset	0.0139
	Profit Margin	0.34 %
	Operating Margin	0.39 %
	Current Valuation	1.09 B
	Shares Outstanding	29.67 M
	Shares Owned By Insiders	5.60 %
	Shares Owned By Institutions	48.17 %
	Number Of Shares Shorted	1.14 M
	Price To Earning	15.22 X
	Price To Book	1.43 X
	Price To Sales	3.83 X
	Revenue	316.57 M
	Gross Profit	253.37 M
	EBITDA	2.84 M
	Net Income	85.89 M
	Cash And Equivalents	532.96 M
	Cash Per Share	18.08 X
	Total Debt	199.27 M
	Debt To Equity	8.16 %
	Book Value Per Share	22.09 X
	Cash Flow From Operations	101.49 M
	Short Ratio	8.33 X
	Earnings Per Share	2.84 X
	Price To Earnings To Growth	2.43 X
	Target Price	35.5
	Number Of Employees	840
	Beta	0.62
	Market Capitalization	953.86 M
	Total Asset	6.15 B
	Retained Earnings	461.62 M
	Annual Yield	0.03 %
	Five Year Return	2.06 %
	Net Asset	6.15 B
	Last Dividend Paid	1.04

About German American Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze German American Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of German American using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of German American Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards German American in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, German American's short interest history, or implied volatility extrapolated from German American options trading.

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When determining whether German American Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of German American's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of German American Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on German American Bancorp Stock:

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Note that the German American Bancorp information on this page should be used as a complementary analysis to other German American's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Money Managers module to screen money managers from public funds and ETFs managed around the world.

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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.

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Is German American's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of German American. If investors know German will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about German American listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.09)

Dividend Share

1.04

Earnings Share

2.84

Revenue Per Share

8.289

Quarterly Revenue Growth

(0.05)

The market value of German American Bancorp is measured differently than its book value, which is the value of German that is recorded on the company's balance sheet. Investors also form their own opinion of German American's value that differs from its market value or its book value, called intrinsic value, which is German American's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because German American's market value can be influenced by many factors that don't directly affect German American's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between German American's value and its price as these two are different measures arrived at by different means. Investors typically determine if German American is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, German American's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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German American Bancorp Stock Return On Equity

German American Bancorp Company Return On Equity Analysis

Return On Equity

Net Income

Total Equity

Current German American Return On Equity

German Return On Equity Driver Correlations

German Return On Equity Historical Pattern

German Total Stockholder Equity

Total Stockholder Equity

696.74 Million

German Return On Equity Peer Comparison

German American Current Valuation Drivers

German Fundamentals

About German American Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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