German American Bancorp vs S&T Bancorp
GABC and STBA 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 STBA compare
German American Bancorp and S&T 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 12.8× trailing earnings, against 13.0× for S&T Bancorp.
German American Bancorp grew revenue faster over the last twelve months (12.1% versus 7.5% for S&T Bancorp).
S&T Bancorp keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 28.8% at German American Bancorp.
Both pay dividends: German American Bancorp yields 2.5% and S&T Bancorp 2.9%.
German American Bancorp scores higher on the StockData Score (16 against 13 for S&T 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 | STBA |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $1.8B |
| Share price | $49.83 | $51.16 |
| Change, 1 year | 26.4% | 30.9% |
| Change, 5 years | 19.6% | 61.3% |
| Beta (5Y) | 0.50 | 0.62 |
| Employees | 984 | 1,206 |
| StockData Score | ||
| Total score | 16 (better) | 13 |
| Valuation score | 1 | 1 |
| Growth score | 3 (better) | 0 |
| Performance score | 4 (better) | 3 |
| Health score | 4 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.8× (better) | 13.0× |
| P/S | 3.7× (better) | 4.3× |
| P/B | 1.6× | 1.3× (better) |
| P/FCF | 11.4× | 10.7× (better) |
| PEG | 3.95 (better) | 45.06 |
| FCF yield | 8.7% | 9.4% (better) |
| Fair value | $46.24 | $45.74 |
| Margin of safety | −7.8% (better) | −11.8% |
| Growth | ||
| Revenue growth (TTM) | 12.1% (better) | 7.5% |
| Revenue growth, 5Y average | 18.4% (better) | 3.5% |
| Net income growth (TTM) | 45.4% (better) | 8.2% |
| EPS growth (TTM) | 35.7% (better) | 13.5% |
| EPS growth, 5Y average | 5.5% | 45.8% (better) |
| Profitability | ||
| Net margin | 28.8% | 34.3% (better) |
| FCF margin | 32.3% | 40.1% (better) |
| Return on equity | 12.8% (better) | 10.0% |
| Financial health | ||
| Altman Z-score | 0.32 | 0.34 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.5% | 2.9% (better) |
| Payout ratio | 31.3% | 37.0% |
| Years of dividend growth | 13 | 13 |
| Dividend growth, 5Y average | 8.8% (better) | 4.3% |
| Buyback yield | – | 7.4% |
| Shareholder yield | 2.5% | 10.3% (better) |
| Ownership | ||
| Held by institutions | 53.5% | 74.3% |
| Held by insiders | 4.7% | 1.4% |
| Insider net buying, 12 months | $233K (better) | −$887K |
| Short interest, % of float | 3.6% | 7.1% |
Go deeper
- GABC stock overview
- GABC income statement
- GABC valuation and score
- STBA stock overview
- STBA income statement
- STBA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.