German American Bancorp Stock Z Score

GABC Stock

USD 40.56 0.55 1.34%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out German American Piotroski F Score and German American Valuation analysis.

At present, German American's Net Invested Capital is projected to increase significantly based on the last few years of reporting. The current year's Change In Working Capital is expected to grow to about 579.6 K, whereas Capital Lease Obligations is forecasted to decline to about 2.5 M. At present, German American's Interest Expense is projected to increase significantly based on the last few years of reporting. The current year's Selling General Administrative is expected to grow to about 90.4 M, whereas EBIT is forecasted to decline to about 52 M.

German American Bancorp Company Z Score Analysis

German American's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

German Z Score 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 Z Score. 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		0.97	0.03	0.98	0.93	0.76	1.0	-0.42	0.09	0.96	0.43	0.34	0.46	0.63	0.77	0.84	0.94	0.37	-0.86	0.94	0.9	0.89	0.81	0.38
Total Stockholder Equity	0.97		0.11	0.94	0.94	0.64	0.97	-0.4	0.17	0.92	0.44	0.4	0.55	0.67	0.69	0.92	0.9	0.47	-0.87	0.95	0.92	0.92	0.86	0.21
Net Debt	0.03	0.11		-0.09	-0.02	-0.33	0.02	0.61	0.68	-0.09	0.46	0.36	-0.11	0.33	-0.02	0.2	-0.14	0.69	0.12	-0.06	0.03	0.1	0.15	0.01
Retained Earnings	0.98	0.94	-0.09		0.91	0.81	0.98	-0.49	0.03	0.98	0.29	0.31	0.38	0.55	0.81	0.78	0.98	0.31	-0.85	0.94	0.89	0.87	0.79	0.35
Accounts Payable	0.93	0.94	-0.02	0.91		0.72	0.93	-0.56	-0.01	0.89	0.41	0.18	0.53	0.62	0.62	0.83	0.88	0.28	-0.78	0.93	0.86	0.85	0.78	0.25
Net Receivables	0.76	0.64	-0.33	0.81	0.72		0.77	-0.5	-0.08	0.84	0.01	0.06	0.0	0.34	0.79	0.34	0.85	0.01	-0.59	0.7	0.63	0.57	0.53	0.42
Total Liab	1.0	0.97	0.02	0.98	0.93	0.77		-0.42	0.08	0.96	0.43	0.33	0.45	0.63	0.77	0.82	0.95	0.35	-0.85	0.93	0.89	0.88	0.8	0.4
Total Current Assets	-0.42	-0.4	0.61	-0.49	-0.56	-0.5	-0.42		0.66	-0.51	-0.12	0.18	-0.33	-0.29	-0.34	-0.36	-0.54	0.15	0.37	-0.59	-0.48	-0.43	-0.42	-0.29
Short Term Debt	0.09	0.17	0.68	0.03	-0.01	-0.08	0.08	0.66		0.07	0.02	0.58	-0.14	0.27	0.17	0.15	0.02	0.64	-0.05	0.04	0.12	0.19	0.28	-0.29
Good Will	0.96	0.92	-0.09	0.98	0.89	0.84	0.96	-0.51	0.07		0.3	0.37	0.31	0.64	0.82	0.75	1.0	0.36	-0.84	0.96	0.91	0.87	0.83	0.37
Common Stock	0.43	0.44	0.46	0.29	0.41	0.01	0.43	-0.12	0.02	0.3		0.32	0.49	0.74	0.11	0.57	0.25	0.41	-0.29	0.43	0.42	0.42	0.45	0.56
Long Term Debt	0.34	0.4	0.36	0.31	0.18	0.06	0.33	0.18	0.58	0.37	0.32		0.16	0.61	0.25	0.47	0.34	0.6	-0.52	0.4	0.48	0.6	0.5	0.18
Short Term Investments	0.46	0.55	-0.11	0.38	0.53	0.0	0.45	-0.33	-0.14	0.31	0.49	0.16		0.36	-0.04	0.73	0.28	0.02	-0.54	0.5	0.47	0.5	0.42	-0.05
Intangible Assets	0.63	0.67	0.33	0.55	0.62	0.34	0.63	-0.29	0.27	0.64	0.74	0.61	0.36		0.42	0.69	0.59	0.62	-0.5	0.75	0.75	0.72	0.8	0.37
Property Plant Equipment	0.77	0.69	-0.02	0.81	0.62	0.79	0.77	-0.34	0.17	0.82	0.11	0.25	-0.04	0.42		0.47	0.83	0.5	-0.56	0.72	0.68	0.64	0.72	0.34
Net Tangible Assets	0.84	0.92	0.2	0.78	0.83	0.34	0.82	-0.36	0.15	0.75	0.57	0.47	0.73	0.69	0.47		0.72	0.49	-0.82	0.86	0.9	0.89	0.79	0.14
Capital Surpluse	0.94	0.9	-0.14	0.98	0.88	0.85	0.95	-0.54	0.02	1.0	0.25	0.34	0.28	0.59	0.83	0.72		0.33	-0.83	0.94	0.89	0.85	0.81	0.37
Long Term Investments	0.37	0.47	0.69	0.31	0.28	0.01	0.35	0.15	0.64	0.36	0.41	0.6	0.02	0.62	0.5	0.49	0.33		-0.24	0.43	0.44	0.5	0.69	-0.03
Short Long Term Debt	-0.86	-0.87	0.12	-0.85	-0.78	-0.59	-0.85	0.37	-0.05	-0.84	-0.29	-0.52	-0.54	-0.5	-0.56	-0.82	-0.83	-0.24		-0.82	-0.85	-0.87	-0.64	-0.26
Long Term Debt Total	0.94	0.95	-0.06	0.94	0.93	0.7	0.93	-0.59	0.04	0.96	0.43	0.4	0.5	0.75	0.72	0.86	0.94	0.43	-0.82		0.94	0.92	0.92	0.28
Earning Assets	0.9	0.92	0.03	0.89	0.86	0.63	0.89	-0.48	0.12	0.91	0.42	0.48	0.47	0.75	0.68	0.9	0.89	0.44	-0.85	0.94		0.91	0.83	0.27
Current Deferred Revenue	0.89	0.92	0.1	0.87	0.85	0.57	0.88	-0.43	0.19	0.87	0.42	0.6	0.5	0.72	0.64	0.89	0.85	0.5	-0.87	0.92	0.91		0.84	0.29
Net Invested Capital	0.81	0.86	0.15	0.79	0.78	0.53	0.8	-0.42	0.28	0.83	0.45	0.5	0.42	0.8	0.72	0.79	0.81	0.69	-0.64	0.92	0.83	0.84		0.13
Capital Stock	0.38	0.21	0.01	0.35	0.25	0.42	0.4	-0.29	-0.29	0.37	0.56	0.18	-0.05	0.37	0.34	0.14	0.37	-0.03	-0.26	0.28	0.27	0.29	0.13

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict German American

According to the company's disclosures, German American Bancorp has a Z Score 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 z score for all United States stocks is 100.0% higher than that of the company.

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	1.0B	1.1B

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.

Environmental

Governance

Social

German American Institutional Holders

Institutional Holdings refers to the ownership stake in German American that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of German American's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing German American's value.

		Shares
Proshare Advisors Llc	2024-09-30	186.5 K
Bank Of New York Mellon Corp	2024-09-30	176.1 K
Deprince Race & Zollo Inc	2024-09-30	169.5 K
Mutual Of America Capital Management Llc	2024-09-30	165.9 K
Kennedy Capital Management Inc	2024-09-30	144.5 K
Morgan Stanley - Brokerage Accounts	2024-09-30	142.7 K
Goldman Sachs Group Inc	2024-09-30	140.1 K
Aptus Capital Advisors, Llc	2024-09-30	134.1 K
Royce & Associates, Lp	2024-09-30	133.2 K
Blackrock Inc	2024-06-30	2.3 M
Vanguard Group Inc	2024-09-30	1.8 M

German Fundamentals

	Return On Equity	0.13
	Return On Asset	0.0134
	Profit Margin	0.33 %
	Operating Margin	0.44 %
	Current Valuation	1.24 B
	Shares Outstanding	29.68 M
	Shares Owned By Insiders	5.01 %
	Shares Owned By Institutions	54.40 %
	Number Of Shares Shorted	1.75 M
	Price To Earning	15.22 X
	Price To Book	1.63 X
	Price To Sales	4.94 X
	Revenue	250.69 M
	Gross Profit	253.37 M
	EBITDA	113.06 M
	Net Income	85.89 M
	Cash And Equivalents	532.96 M
	Cash Per Share	18.08 X
	Total Debt	127.97 M
	Debt To Equity	8.16 %
	Book Value Per Share	25.09 X
	Cash Flow From Operations	107.23 M
	Short Ratio	17.96 X
	Earnings Per Share	2.77 X
	Price To Earnings To Growth	2.43 X
	Target Price	48.67
	Number Of Employees	840
	Beta	0.6
	Market Capitalization	1.22 B
	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	1.08

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:

How To Invest In German

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Is German Stock a good investment?

Details

What is German American's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out German American Piotroski F Score and German American Valuation analysis.

You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.

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

(0.02)

Dividend Share

1.08

Earnings Share

2.77

Revenue Per Share

8.341

Quarterly Revenue Growth

0.005

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 Z Score

German American Bancorp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

German Z Score Driver Correlations

German American Current Valuation Drivers

German American ESG Sustainability

German American Institutional Holders

German Fundamentals

About German American Fundamental Analysis

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