German American Bancorp, Inc. (GABC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Why is German American Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 11.63%

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.99%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 4 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 167.98 MM
NET PROFIT(HY) At USD 68.84 MM has Grown at 104.09%
NII(Q) Highest at USD 78.85 MM

With ROA of 1.08%, it has a attractive valuation with a 1.33 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 17.06%, its profits have risen by 34.4% ; the PEG ratio of the company is 2.2

High Institutional Holdings at 54.89%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.81% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to German American Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is German American Bancorp, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

German American Bancorp, Inc.

17.06%

1.81

23.19%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.23%

EBIT Growth (5y)

9.37%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

37.90%

Pledged Shares

Institutional Holding

54.89%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.33

EV to EBIT

13.08

EV to EBITDA

11.29

EV to Capital Employed

1.32

EV to Sales

3.77

PEG Ratio

2.15

Dividend Yield

ROCE (Latest)

10.11%

ROE (Latest)

9.69%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 167.98 MM

NET PROFIT(HY)

At USD 68.84 MM has Grown at 104.09%

NII(Q)

Highest at USD 78.85 MM

NET SALES(9M)

At USD 323.15 MM has Grown at 30.6%

ROCE(HY)

Highest at 1.61%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(Q)

Highest at 0.51%

-5What is not working for the Company

ROCE(HY)

Lowest at 1.61%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 35.08%

Here's what is working for German American Bancorp, Inc.

NII

Highest at USD 78.85 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Profit

At USD 68.84 MM has Grown at 104.09%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 167.98 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Highest at 0.51% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Sales

At USD 323.15 MM has Grown at 30.6%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Here's what is not working for German American Bancorp, Inc.

Non Performing Loans (%)

Highest at 0.51%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 35.08%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)