ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is German American Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 11.64%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.99%
3
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- NII(Q) Highest at USD 78.68 MM
- OPERATING CASH FLOW(Y) Highest at USD 114.45 MM
- ROCE(HY) Highest at 1.53%
4
With ROA of 0.85%, it has a expensive valuation with a 1.37 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 3.03%, its profits have risen by 4.4%
5
High Institutional Holdings at 54.08%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1% over the previous quarter.
Real-Time Research ReportHow 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?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
German American Bancorp, Inc.
2.93%
1.10
24.31%
S&P 500
17.78%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.23%
EBIT Growth (5y)
9.70%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
37.90%
Pledged Shares
0
Institutional Holding
54.08%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.37
EV to EBIT
15.36
EV to EBITDA
13.33
EV to Capital Employed
1.38
EV to Sales
4.03
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
8.98%
ROE (Latest)
8.05%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend30What is working for the Company
NII(Q)
Highest at USD 78.68 MM
OPERATING CASH FLOW(Y)
Highest at USD 114.45 MM
ROCE(HY)
Highest at 1.53%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 109.34 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.5%
CASH AND EQV(HY)
Highest at USD 184.15 MM
OPERATING PROFIT(Q)
Highest at USD 43.81 MM
PRE-TAX PROFIT(Q)
Highest at USD 43.81 MM
NET PROFIT(Q)
Highest at USD 35.68 MM
EPS(Q)
Highest at USD 0.95
-4What is not working for the Company
ROCE(HY)
Lowest at 1.53%
GROSS NPA (%)
(Q
Here's what is working for German American Bancorp, Inc.
NII
Highest at USD 78.68 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 109.34 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Credit Deposit Ratio
Highest at 0.5% and Grown
In each half year in the last four Semi-Annual periodsMOJO 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 yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Cash Flow
Highest at USD 114.45 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 43.81 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 43.81 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 43.81 MM has Grown at 40.28%
over average net sales of the previous four periods of USD 31.23 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 35.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 35.68 MM has Grown at 42.5%
over average net sales of the previous four periods of USD 25.04 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.95
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 184.15 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for German American Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.5%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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