German American Bancorp (NASDAQ:GABC – Get Free Report) is one of 920 public companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare German American Bancorp to similar companies based on the strength of its analyst recommendations, risk, earnings, profitability, dividends, valuation and institutional ownership.
Insider and Institutional Ownership
46.9% of German American Bancorp shares are held by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are held by institutional investors. 3.2% of German American Bancorp shares are held by insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Profitability
This table compares German American Bancorp and its peers’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| German American Bancorp | 28.25% | 12.14% | 1.69% |
| German American Bancorp Competitors | 15.24% | 9.38% | 0.92% |
Valuation & Earnings
This table compares German American Bancorp and its peers top-line revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| German American Bancorp | $487.40 million | $112.64 million | 13.05 |
| German American Bancorp Competitors | $251.01 billion | $2.41 billion | 19.14 |
German American Bancorp’s peers have higher revenue and earnings than German American Bancorp. German American Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.
Dividends
German American Bancorp pays an annual dividend of $1.24 per share and has a dividend yield of 2.5%. German American Bancorp pays out 32.7% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.2% and pay out 29.0% of their earnings in the form of a dividend. German American Bancorp has raised its dividend for 13 consecutive years. German American Bancorp lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.
Risk and Volatility
German American Bancorp has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500. Comparatively, German American Bancorp’s peers have a beta of 0.52, meaning that their average share price is 48% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current ratings for German American Bancorp and its peers, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| German American Bancorp | 0 | 2 | 2 | 1 | 2.80 |
| German American Bancorp Competitors | 7449 | 30125 | 27677 | 1445 | 2.35 |
German American Bancorp presently has a consensus target price of $53.33, suggesting a potential upside of 7.81%. As a group, “Banks” companies have a potential upside of 15.21%. Given German American Bancorp’s peers higher probable upside, analysts plainly believe German American Bancorp has less favorable growth aspects than its peers.
Summary
German American Bancorp peers beat German American Bancorp on 9 of the 15 factors compared.
About German American Bancorp
German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. It also offers checking, saving, and individual retirement accounts; certificates of deposit; wire transfer; credit cards; home equity, mortgages, and small business; treasury management; and online and mobile banking, bill pay, digital wallet, mobile check deposit, credit score and report, money management, and estatements, as well as wealth advisory. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
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