German American Bancorp Stock Buy Hold or Sell Recommendation
| GABC Stock | USD 33.22 0.01 0.03% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding German American Bancorp is 'Strong Hold'. Macroaxis provides German American buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding GABC positions. The advice algorithm takes into account all of German American's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting German American's buy or sell advice are summarized below:
Real Value 32.4 | Target Price 31.75 | Hype Value 33.22 | Market Value 33.22 |
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell German American Bancorp given historical horizon and risk tolerance towards German American. When Macroaxis issues a 'buy' or 'sell' recommendation for German American Bancorp, the advice is generated through an automated system that utilizes algorithms and statistical models.
German |
Execute German American Buy or Sell Advice
The German recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on German American Bancorp. Macroaxis does not own or have any residual interests in German American Bancorp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute German American's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Stale | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
German American Trading Alerts and Improvement Suggestions
| German American has a poor financial position based on the latest SEC disclosures | |
| Latest headline from investing.com: German American Bancorp director buys shares worth 849 |
German American Returns Distribution Density
The distribution of German American's historical returns is an attempt to chart the uncertainty of German American's future price movements. The chart of the probability distribution of German American daily returns describes the distribution of returns around its average expected value. We use German American Bancorp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of German American returns is essential to provide solid investment advice for German American.
| Mean Return | 0.11 | Value At Risk | -2.8 | Potential Upside | 3.20 | Standard Deviation | 1.98 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of German American historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
German Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument such as German American is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading German American Bancorp backward and forwards among themselves. German American's institutional investor refers to the entity that pools money to purchase German American's securities or originates loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Bank Of New York Mellon Corp | 2023-12-31 | 205.2 K | German American Bancorp Inc | 2023-12-31 | 191.3 K | Deprince Race & Zollo Inc | 2023-12-31 | 152.6 K | Morgan Stanley - Brokerage Accounts | 2023-12-31 | 138.8 K | Wedge Capital Management, Llp | 2023-12-31 | 114.1 K | State Of New Jersey Common Pension Fd D | 2023-12-31 | 89.4 K | Aptus Capital Advisors, Llc | 2023-12-31 | 77.7 K | Nuveen Asset Management, Llc | 2023-12-31 | 64.2 K | John W. Rosenthal Capital Management, Inc. | 2023-12-31 | 63.3 K | Blackrock Inc | 2023-12-31 | 2.4 M | Vanguard Group Inc | 2023-12-31 | 1.7 M |
German American Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 7.3M | 241.9M | 51.1M | (277.8M) | (2.1M) | (1.9M) | |
| Free Cash Flow | 55.9M | 85.3M | 96.2M | 102.2M | 95.7M | 100.5M | |
| Depreciation | 8.6M | 9.4M | 8.8M | 10.1M | 9.4M | 9.9M | |
| Other Non Cash Items | (9.7M) | 8.7M | 13.4M | 15.2M | 24.5M | 25.7M | |
| Dividends Paid | 17.6M | 20.1M | 22.2M | 27.0M | 29.4M | 30.9M | |
| Capital Expenditures | 9.4M | 7.1M | 4.7M | 7.9M | 5.7M | 4.1M | |
| Net Income | 59.2M | 62.2M | 84.1M | 81.8M | 85.9M | 90.2M | |
| End Period Cash Flow | 103.9M | 345.7M | 396.9M | 119.1M | 115.3M | 75.1M | |
| Investments | 31.1M | (344.4M) | (700.9M) | (225.0M) | (18.6M) | (19.6M) | |
| Net Borrowings | (58.0M) | (155.5M) | (42.7M) | (11.9M) | (10.7M) | (11.2M) | |
| Change To Netincome | (9.4M) | 13.4M | 6.4M | 11.1M | 12.8M | 13.5M |
German American Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to German American or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that German American's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a German stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over NYSE Composite | -0.02 | |
β | Beta against NYSE Composite | 1.50 | |
σ | Overall volatility | 1.99 | |
Ir | Information ratio | 0.01 |
German American Volatility Alert
German American Bancorp currently demonstrates below-average downside deviation. It has Information Ratio of 0.01 and Jensen Alpha of -0.02. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure German American's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact German American's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.German American Fundamentals Vs Peers
Comparing German American's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze German American's direct or indirect competition across all of the common fundamentals between German American and the related equities. This way, we can detect undervalued stocks with similar characteristics as German American or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of German American's fundamental indicators could also be used in its relative valuation, which is a method of valuing German American by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare German American to competition |
| Fundamentals | German American | Peer Average |
| Return On Equity | 0.14 | -0.31 |
| Return On Asset | 0.014 | -0.14 |
| Profit Margin | 0.35 % | (1.27) % |
| Operating Margin | 0.44 % | (5.51) % |
| Current Valuation | 1.06 B | 16.62 B |
| Shares Outstanding | 29.58 M | 571.82 M |
| Shares Owned By Insiders | 5.60 % | 10.09 % |
| Shares Owned By Institutions | 48.37 % | 39.21 % |
| Number Of Shares Shorted | 1.16 M | 4.71 M |
| Price To Earning | 15.22 X | 28.72 X |
| Price To Book | 1.43 X | 9.51 X |
| Price To Sales | 3.83 X | 11.42 X |
| Revenue | 316.57 M | 9.43 B |
| Gross Profit | 253.37 M | 27.38 B |
| EBITDA | 2.84 M | 3.9 B |
| Net Income | 85.89 M | 570.98 M |
| Cash And Equivalents | 532.96 M | 2.7 B |
| Cash Per Share | 18.08 X | 5.01 X |
| Total Debt | 199.27 M | 5.32 B |
| Debt To Equity | 8.16 % | 48.70 % |
| Book Value Per Share | 22.43 X | 1.93 K |
| Cash Flow From Operations | 101.49 M | 971.22 M |
| Short Ratio | 7.29 X | 4.00 X |
| Earnings Per Share | 2.91 X | 3.12 X |
| Price To Earnings To Growth | 2.43 X | 4.89 X |
| Target Price | 36.5 | |
| Number Of Employees | 840 | 18.84 K |
| Beta | 0.62 | -0.15 |
| Market Capitalization | 982.51 M | 19.03 B |
| Total Asset | 6.15 B | 29.47 B |
| Retained Earnings | 461.62 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 2.06 % |
Note: Acquisition by Jack Sheidler of tradable shares of German American at 32.06 subject to Rule 16b-3 [view details]
German American Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as German . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 4094.55 | |||
| Daily Balance Of Power | 0.0096 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 33.53 | |||
| Day Typical Price | 33.43 | |||
| Price Action Indicator | (0.30) | |||
| Period Momentum Indicator | 0.01 |
About German American Buy or Sell Advice
When is the right time to buy or sell German American Bancorp? Buying financial instruments such as German Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.| 2021 | 2022 | 2023 | 2024 (projected) | Short and Long Term Debt Total | 152.2M | 228.8M | 199.3M | 168.0M | Total Assets | 5.6B | 6.2B | 6.2B | 6.5B |
Use Investing Ideas to Build Portfolios
In addition to having German American in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Apparel Thematic Idea Now
Apparel
Companies manufacturing textile accessories and apparel products. The Apparel theme has 43 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Apparel Theme or any other thematic opportunities.
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Check out German American Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note that the German American Bancorp information on this page should be used as a complementary analysis to other German American's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the AI Investment Finder module to use AI to screen and filter profitable investment opportunities.
Complementary Tools for German Stock analysis
When running German American's price analysis, check to measure German American's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy German American is operating at the current time. Most of German American's value examination focuses on studying past and present price action to predict the probability of German American's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move German American's price. Additionally, you may evaluate how the addition of German American to your portfolios can decrease your overall portfolio volatility.
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Is German American's industry 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 (0.12) | Dividend Share 1.02 | Earnings Share 2.91 | Revenue Per Share 8.395 | Quarterly Revenue Growth (0.07) |
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.