GABC
German American Bancorp·NASDAQ
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3.51 / 10
Netural
GABC's fundamental score of 3.5/10 signals a challenged profile. Key positives include a robust gross profit margin of 36.7% and a strong total-profit-to-EBIT ratio of 100%, both in performance group 1. However, concerns persist over net-profit quality and the PB-ROE spread. Historical back-tests show mixed returns, with the best one-month performance at 4.47% for net-asset growth, while profitability factors lag, indicating a defensive stance is warranted.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value23.95
Score3/3
Weight9.81%
1M Return4.47%
Value23.95
Score3/3
Weight9.81%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Profit-MV
Value0.08
Score2/3
Weight11.38%
1M Return5.27%
Value0.08
Score2/3
Weight11.38%
1M Return5.27%
PB-ROE
Value1.41
Score1/3
Weight10.23%
1M Return4.93%
Value1.41
Score1/3
Weight10.23%
1M Return4.93%
Asset-MV
Value-0.50
Score2/3
Weight16.45%
1M Return7.51%
Value-0.50
Score2/3
Weight16.45%
1M Return7.51%
Revenue-MV
Value0.16
Score1/3
Weight11.57%
1M Return4.65%
Value0.16
Score1/3
Weight11.57%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Total profit (YoY growth rate %)
Value27.63
Score0/3
Weight3.79%
1M Return2.05%
Value27.63
Score0/3
Weight3.79%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight16.53%
1M Return7.61%
Value0.14
Score3/3
Weight16.53%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value23.95
Score3/3
Weight9.81%
1M Return4.47%
Value23.95
Score3/3
Weight9.81%
1M Return4.47%
Revenue-MV
Value0.16
Score1/3
Weight11.57%
1M Return4.65%
Value0.16
Score1/3
Weight11.57%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Value100.00
Score1/3
Weight6.16%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Value36.70
Score3/3
Weight7.03%
1M Return3.43%
Profit-MV
Value0.08
Score2/3
Weight11.38%
1M Return5.27%
Value0.08
Score2/3
Weight11.38%
1M Return5.27%
Total profit (YoY growth rate %)
Value27.63
Score0/3
Weight3.79%
1M Return2.05%
Value27.63
Score0/3
Weight3.79%
1M Return2.05%
PB-ROE
Value1.41
Score1/3
Weight10.23%
1M Return4.93%
Value1.41
Score1/3
Weight10.23%
1M Return4.93%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Value100.00
Score3/3
Weight7.03%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight16.45%
1M Return7.51%
Value-0.50
Score2/3
Weight16.45%
1M Return7.51%
Cash-MV
Value0.14
Score3/3
Weight16.53%
1M Return7.61%
Value0.14
Score3/3
Weight16.53%
1M Return7.61%
Is GABC fundamentally strong?
- GABC scores 3.51/10 on fundamentals and holds a Fair valuation at present. Backed by its 8.39% ROE, 30.30% net margin, 19.31 P/E ratio, 1.49 P/B ratio, and 4.33% earnings growth, these metrics solidify its Netural investment rating.
