German American Bancorp Stock Working Capital

GABC Stock

USD 37.91 0.30 0.80%

By evaluating key metrics such as revenue growth, profitability, cash flow trends, and balance sheet strength, investors can better assess German American's long-term financial health and intrinsic value.

		Last Reported	Projected for Next Year
	Change In Working Capital	394 K	413.7 K

The current year's Change In Working Capital is expected to grow to about 413.7 K.

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German American Bancorp Company Working Capital Analysis

German American's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

-

Current Liabilities

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German Working Capital 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 Working Capital. 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	Current Deferred Revenue	Net Invested Capital	Capital Stock
Total Assets		0.98	0.15	0.97	0.93	0.8	1.0	0.87	0.07	0.97	0.92	0.33	0.77	0.53	0.79	0.82	0.95	0.3	-0.87	0.94	0.9	0.89	0.84	0.33
Total Stockholder Equity	0.98		0.22	0.95	0.95	0.71	0.97	0.81	0.11	0.95	0.92	0.37	0.72	0.56	0.74	0.89	0.93	0.39	-0.88	0.96	0.93	0.92	0.88	0.17
Net Debt	0.15	0.22		0.05	0.12	-0.14	0.14	0.05	0.93	0.1	0.29	0.37	0.06	0.37	0.16	0.27	0.04	0.75	0.01	0.08	0.16	0.2	0.25	-0.09
Retained Earnings	0.97	0.95	0.05		0.9	0.86	0.97	0.77	-0.01	0.97	0.86	0.27	0.66	0.41	0.84	0.74	0.98	0.22	-0.85	0.93	0.88	0.85	0.82	0.28
Accounts Payable	0.93	0.95	0.12	0.9		0.73	0.93	0.79	-0.01	0.9	0.85	0.19	0.69	0.56	0.64	0.83	0.88	0.24	-0.79	0.93	0.87	0.86	0.81	0.23
Net Receivables	0.8	0.71	-0.14	0.86	0.73		0.81	0.58	-0.18	0.83	0.63	0.08	0.45	0.24	0.81	0.36	0.86	-0.04	-0.63	0.72	0.66	0.6	0.62	0.37
Total Liab	1.0	0.97	0.14	0.97	0.93	0.81		0.87	0.06	0.97	0.92	0.32	0.77	0.53	0.8	0.81	0.95	0.29	-0.87	0.94	0.9	0.88	0.83	0.35
Total Current Assets	0.87	0.81	0.05	0.77	0.79	0.58	0.87		0.01	0.8	0.82	0.24	0.97	0.51	0.59	0.78	0.72	0.19	-0.76	0.77	0.74	0.76	0.6	0.5
Short Term Debt	0.07	0.11	0.93	-0.01	-0.01	-0.18	0.06	0.01		0.04	0.16	0.36	-0.01	0.28	0.16	0.13	-0.02	0.73	0.12	0.0	0.03	0.07	0.18	-0.01
Good Will	0.97	0.95	0.1	0.97	0.9	0.83	0.97	0.8	0.04		0.92	0.4	0.7	0.59	0.82	0.77	0.99	0.33	-0.86	0.96	0.92	0.9	0.87	0.37
Common Stock	0.92	0.92	0.29	0.86	0.85	0.63	0.92	0.82	0.16	0.92		0.57	0.79	0.68	0.7	0.89	0.86	0.46	-0.86	0.9	0.95	0.96	0.83	0.33
Long Term Debt	0.33	0.37	0.37	0.27	0.19	0.08	0.32	0.24	0.36	0.4	0.57		0.24	0.57	0.25	0.48	0.34	0.6	-0.5	0.4	0.5	0.59	0.47	0.17
Short Term Investments	0.77	0.72	0.06	0.66	0.69	0.45	0.77	0.97	-0.01	0.7	0.79	0.24		0.5	0.48	0.77	0.6	0.16	-0.7	0.67	0.71	0.7	0.51	0.47
Intangible Assets	0.53	0.56	0.37	0.41	0.56	0.24	0.53	0.51	0.28	0.59	0.68	0.57	0.5		0.36	0.64	0.49	0.67	-0.42	0.67	0.64	0.66	0.71	0.34
Property Plant Equipment	0.79	0.74	0.16	0.84	0.64	0.81	0.8	0.59	0.16	0.82	0.7	0.25	0.48	0.36		0.48	0.85	0.43	-0.59	0.74	0.7	0.66	0.77	0.31
Net Tangible Assets	0.82	0.89	0.27	0.74	0.83	0.36	0.81	0.78	0.13	0.77	0.89	0.48	0.77	0.64	0.48		0.72	0.46	-0.81	0.86	0.89	0.89	0.79	0.13
Capital Surpluse	0.95	0.93	0.04	0.98	0.88	0.86	0.95	0.72	-0.02	0.99	0.86	0.34	0.6	0.49	0.85	0.72		0.26	-0.84	0.94	0.9	0.86	0.86	0.33
Long Term Investments	0.3	0.39	0.75	0.22	0.24	-0.04	0.29	0.19	0.73	0.33	0.46	0.6	0.16	0.67	0.43	0.46	0.26		-0.2	0.38	0.39	0.45	0.59	-0.02
Short Long Term Debt	-0.87	-0.88	0.01	-0.85	-0.79	-0.63	-0.87	-0.76	0.12	-0.86	-0.86	-0.5	-0.7	-0.42	-0.59	-0.81	-0.84	-0.2		-0.83	-0.85	-0.88	-0.68	-0.23
Long Term Debt Total	0.94	0.96	0.08	0.93	0.93	0.72	0.94	0.77	0.0	0.96	0.9	0.4	0.67	0.67	0.74	0.86	0.94	0.38	-0.83		0.94	0.92	0.94	0.26
Earning Assets	0.9	0.93	0.16	0.88	0.87	0.66	0.9	0.74	0.03	0.92	0.95	0.5	0.71	0.64	0.7	0.89	0.9	0.39	-0.85	0.94		0.92	0.89	0.25
Current Deferred Revenue	0.89	0.92	0.2	0.85	0.86	0.6	0.88	0.76	0.07	0.9	0.96	0.59	0.7	0.66	0.66	0.89	0.86	0.45	-0.88	0.92	0.92		0.85	0.26
Net Invested Capital	0.84	0.88	0.25	0.82	0.81	0.62	0.83	0.6	0.18	0.87	0.83	0.47	0.51	0.71	0.77	0.79	0.86	0.59	-0.68	0.94	0.89	0.85		0.09
Capital Stock	0.33	0.17	-0.09	0.28	0.23	0.37	0.35	0.5	-0.01	0.37	0.33	0.17	0.47	0.34	0.31	0.13	0.33	-0.02	-0.23	0.26	0.25	0.26	0.09

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

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Working Capital Over Time

German Capital Surpluse

Capital Surpluse

467.51 Million

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

According to the company's disclosures, German American Bancorp has a Working Capital of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The working capital for all United States stocks is 100.0% higher than that of the company.

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German American ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, German American's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to German American's managers, analysts, and investors.

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Governance

Social

German Fundamentals

	Return On Equity	0.098
	Return On Asset	0.0119
	Profit Margin	0.31 %
	Operating Margin	0.44 %
	Current Valuation	1.51 B
	Shares Outstanding	37.49 M
	Shares Owned By Insiders	4.36 %
	Shares Owned By Institutions	49.90 %
	Number Of Shares Shorted	1.3 M
	Price To Earning	15.22 X
	Price To Book	1.32 X
	Price To Sales	5.02 X
	Revenue	315.38 M
	Gross Profit	281.09 M
	EBITDA	113.38 M
	Net Income	83.81 M
	Cash And Equivalents	532.96 M
	Cash Per Share	18.08 X
	Total Debt	210.13 M
	Debt To Equity	8.16 %
	Book Value Per Share	28.53 X
	Cash Flow From Operations	95.7 M
	Short Ratio	5.54 X
	Earnings Per Share	2.66 X
	Price To Earnings To Growth	2.43 X
	Target Price	46.0
	Number Of Employees	1.02 K
	Beta	0.57
	Market Capitalization	1.41 B
	Total Asset	6.3 B
	Retained Earnings	513.59 M
	Annual Yield	0.03 %
	Five Year Return	2.06 %
	Net Asset	6.3 B
	Last Dividend Paid	1.14

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.

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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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Check out German American Piotroski F Score and German American Altman Z Score analysis.

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Is Regional Banks space 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

0.213

Dividend Share

1.14

Earnings Share

2.66

Revenue Per Share

8.552

Quarterly Revenue Growth

0.38

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 Working Capital

German American Bancorp Company Working Capital Analysis

Working Capital

Current Assets

-

Current Liabilities

German Working Capital Driver Correlations

German Capital Surpluse

Capital Surpluse

467.51 Million

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German American ESG Sustainability

German Fundamentals

About German American Fundamental Analysis

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