German American Bancorp vs Republic Bancorp
GABC and RBCAA side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How GABC and RBCAA compare
German American Bancorp and Republic Bancorp are about the same size, with market caps of $1.9B and $1.8B.
On earnings, German American Bancorp is cheaper: it trades at 12.9× trailing earnings, against 14.0× for Republic Bancorp.
German American Bancorp grew revenue faster over the last twelve months (12.1% versus 1.7% for Republic Bancorp).
Republic Bancorp keeps more of each dollar of sales as profit, with a net margin of 30.8% compared with 28.8% at German American Bancorp.
Both pay dividends: German American Bancorp yields 2.5% and Republic Bancorp 2.1%.
German American Bancorp scores higher on the StockData Score (16 against 9 for Republic Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | GABC | RBCAA |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $1.8B |
| Share price | $49.96 | $91.12 |
| Change, 1 year | 26.4% | 39.0% |
| Change, 5 years | 19.9% | 66.8% |
| Beta (5Y) | 0.50 | 0.63 |
| Employees | 984 | 973 |
| StockData Score | ||
| Total score | 16 (better) | 9 |
| Valuation score | 1 (better) | 0 |
| Growth score | 3 (better) | 0 |
| Performance score | 4 | 4 |
| Health score | 4 (better) | 2 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 12.9× (better) | 14.0× |
| P/S | 3.7× (better) | 4.3× |
| P/B | 1.6× | 1.5× (better) |
| P/FCF | 11.5× (better) | 12.6× |
| PEG | 3.96 | – |
| FCF yield | 8.7% (better) | 8.0% |
| Fair value | $46.29 | $75.09 |
| Margin of safety | −7.9% (better) | −21.3% |
| Growth | ||
| Revenue growth (TTM) | 12.1% (better) | 1.7% |
| Revenue growth, 5Y average | 18.4% (better) | 5.5% |
| Net income growth (TTM) | 45.4% (better) | 1.4% |
| EPS growth (TTM) | 35.7% (better) | 1.1% |
| EPS growth, 5Y average | 5.5% | – |
| Profitability | ||
| Net margin | 28.8% | 30.8% (better) |
| FCF margin | 32.3% | 33.9% (better) |
| Return on equity | 12.8% (better) | 11.5% |
| Financial health | ||
| Altman Z-score | 0.32 | 0.44 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.5% (better) | 2.1% |
| Payout ratio | 31.3% | 28.2% |
| Years of dividend growth | 13 | – |
| Dividend growth, 5Y average | 8.8% | – |
| Shareholder yield | 2.5% (better) | 2.1% |
| Ownership | ||
| Held by institutions | 53.5% | 28.9% |
| Held by insiders | 4.7% | 6.4% |
| Insider net buying, 12 months | $233K (better) | −$430K |
| Short interest, % of float | 3.6% | 2.7% |
Go deeper
- GABC stock overview
- GABC income statement
- GABC valuation and score
- RBCAA stock overview
- RBCAA income statement
- RBCAA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.