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  • GERMAN AMERN BANCORP INC Financial Overview

  • Income Statement: GABC

      2008 2007 Change ( 2007 - 2008  )
    Net Sales/Revenues 86.99 M 88.51 M -1.52 M -1.74%
    Gross Profit —%
    Net Income Before Extra Items/Preferred Div 12.80 M 9.40 M 3.40 M 26.54%
    Operating Income 19.38 M 14.05 M 5.33 M 27.49%
  • Cash Flow: GABC

      2008 2007 Change ( 2007 - 2008  )
    Net Cash Flow - Financing 45.67 M 27.08 M 18.59 M 40.70%
    Net Cash Flow - Investing 50.73 M 41.62 M 9.11 M 17.96%
    Net Cash Flow/Operating Activities 22.13 M 12.76 M 9.38 M 42.37%
  • Balance Sheet: GABC

      2008 2007 Change ( 2007 - 2008  )
    Total Assets 1.19 B 1.13 B 59.12 M 4.96%
    Total Liabilities 1.09 B 1.03 B 51.06 M 4.70%
    Shareholders Equity 105.17 M 97.12 M 8.06 M 7.66%
  • Key Ratios / Statistics: GABC

    • Valuation

      Price/Earnings (TTM) 9.82
      Price/Sales (TTM) 1.44
      Price/Book (MRQ) 1.53
      Price/Cash Flow (TTM) 9.61
    • Profitability

      Gross Margin
      Operating Margin 22.28
      Profit Margin 14.72
    • Dividends

      Dividend Paid (TTM) 0.56
      Payout Ratio % (TTM) 50.45
    • Financial Strength

      Quick Ratio (MRQ)
      Current Ratio (MRQ)
      Long Term Debt-to-Equity (MRQ) 130.97
    • Management Effectiveness

      Return on Equity (TTM) 12.65
      Return on Assets (TTM) 1.32
      Return on Investments (TTM) 6.90