German American Bancorp, Inc. (GABC): Price and Financial Metrics

GABC POWR Grades

• Stability is the dimension where GABC ranks best; there it ranks ahead of 91.13% of US stocks.
• The strongest trend for GABC is in Sentiment, which has been heading down over the past 179 days.
• GABC's current lowest rank is in the Sentiment metric (where it is better than 8.38% of US stocks).

GABC Stock Summary

• GABC's went public 30.03 years ago, making it older than 80.63% of listed US stocks we're tracking.
• GABC's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 91.96% of US stocks.
• With a year-over-year growth in debt of 22.37%, GERMAN AMERICAN BANCORP INC's debt growth rate surpasses 74.5% of about US stocks.
• Stocks that are quantitatively similar to GABC, based on their financial statements, market capitalization, and price volatility, are SPFI, CCBG, CVLY, SBFG, and BANR.
• Visit GABC's SEC page to see the company's official filings. To visit the company's web site, go to www.germanamerican.com.

GABC Valuation Summary

• GABC's price/earnings ratio is 8.5; this is 0% higher than that of the median Financial Services stock.
• Over the past 243 months, GABC's price/sales ratio has gone down 1.6.

Below are key valuation metrics over time for GABC.

GABC Growth Metrics

The year over year net income to common stockholders growth rate now stands at 6.28%.
• The 5 year net income to common stockholders growth rate now stands at 43.02%.
• The 3 year revenue growth rate now stands at 43.77%.

GABC's revenue has moved up $56,115,000 over the prior 33 months.

The table below shows GABC's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	241.516	109.403	76.682
2022-06-30	234.914	105.741	73.572
2022-03-31	229.219	120.421	73.647
2021-12-31	226.792	100.844	84.137
2021-09-30	227.925	110.173	85.755
2021-06-30	216.249	95.13	78.862

GABC's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• GABC has a Quality Grade of C, ranking ahead of 35.02% of graded US stocks.
• GABC's asset turnover comes in at 0.042 -- ranking 150th of 430 Banking stocks.
• UCBI, TREE, and BANF are the stocks whose asset turnover ratios are most correlated with GABC.

The table below shows GABC's key quality metrics over time.