German American Bancorp, Inc. cash flow to debt ratio of 87.21% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

German American Bancorp, Inc.'s free cash flow has increased 69.76% from $90.72M last year to $154.00M, signaling increasing performance

German American Bancorp, Inc.'s debt to equity ratio is 0.15, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

German American Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.29 last year to 0.15 today, signaling strengthened financials

German American Bancorp, Inc. has a net debt to EBITDA ratio of 0.70x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

German American Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

German American Bancorp, Inc.'s profit margin has increased (1.95%) in the last year from 26.57% to 27.09%, signaling increasing performance

German American Bancorp, Inc.'s short-term liabilities of $7.03G exceed its short-term assets of $1.23G, signaling financial risk

German American Bancorp, Inc.'s return on assets of 1.61% is lower than the 5.00% threshold, indicating inefficient asset utilization

German American Bancorp, Inc.'s return on equity of 11.95%, is lower than 15.00%, indicating bad performance

German American Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

German American Bancorp, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

German American Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

German American Bancorp, Inc. has a free cash flow yield of 8.60%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

German American Bancorp, Inc.'s yearly earnings has increased 34.39% since last year from $83.81M to $112.64M, signaling increasing performance

German American Bancorp, Inc.'s yearly revenue has increased 54.54% since last year from $315.38M to $487.40M, signaling increasing performance

ROIC 1.61% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

German American Bancorp, Inc.'s 3-year revenue CAGR of 20.57% is positive, indicating growing revenue over the past 3 years

German American Bancorp, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance

German American Bancorp, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

German American Bancorp, Inc. is undervalued relative to its fair value price of 69.80 based on Discounted Cash Flow model

German American Bancorp, Inc. has an earnings yield of 7.57%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

German American Bancorp, Inc. is overvalued relative to its fair value price of 23.15 based on EBITDA multiple model

German American Bancorp, Inc. has an EV/EBITDA ratio of 9.61x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

German American Bancorp, Inc. is undervalued relative to its fair value price of 87.68 based on Earnings Fair Value model

German American Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

German American Bancorp, Inc. has a price-to-book ratio of 1.52x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

German American Bancorp, Inc. has a price-to-sales ratio of 3.58x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue