German American Bancorp vs First Financial
GABC and THFF 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 THFF compare
German American Bancorp is the larger company, worth 2.0 times as much as First Financial ($1.9B against $917M).
On earnings, First Financial is cheaper: it trades at 10.0× trailing earnings, against 12.9× for German American Bancorp.
First Financial grew revenue faster over the last twelve months (12.8% versus 12.1% for German American Bancorp).
First Financial keeps more of each dollar of sales as profit, with a net margin of 32.0% compared with 28.8% at German American Bancorp.
Both pay dividends: German American Bancorp yields 2.5% and First Financial 2.9%.
German American Bancorp scores higher on the StockData Score (16 against 15 for First Financial), 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 | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $917M |
| Share price | $49.96 | $77.11 |
| Change, 1 year | 26.4% | 35.4% |
| Change, 5 years | 19.9% | 73.2% |
| Beta (5Y) | 0.50 | 0.55 |
| Employees | 984 | 946 |
| StockData Score | ||
| Total score | 16 (better) | 15 |
| Valuation score | 1 | 2 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 4 | 5 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 12.9× | 10.0× (better) |
| P/S | 3.7× | 3.2× (better) |
| P/B | 1.6× | 1.4× (better) |
| P/FCF | 11.5× | 9.0× (better) |
| PEG | 3.96 | 2.13 (better) |
| FCF yield | 8.7% | 11.1% (better) |
| Fair value | $46.29 | $74.64 |
| Margin of safety | −7.9% | −3.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 12.1% | 12.8% (better) |
| Revenue growth, 5Y average | 18.4% (better) | 6.8% |
| Net income growth (TTM) | 45.4% (better) | 23.6% |
| EPS growth (TTM) | 35.7% (better) | 23.4% |
| EPS growth, 5Y average | 5.5% | 11.2% (better) |
| Profitability | ||
| Net margin | 28.8% | 32.0% (better) |
| FCF margin | 32.3% | 35.8% (better) |
| Return on equity | 12.8% | 14.3% (better) |
| Financial health | ||
| Altman Z-score | 0.32 | 0.33 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.5% | 2.9% (better) |
| Payout ratio | 31.3% | 28.4% |
| Years of dividend growth | 13 (better) | 2 |
| Dividend growth, 5Y average | 8.8% | 14.8% (better) |
| Buyback yield | – | 0.04% |
| Shareholder yield | 2.5% | 2.9% (better) |
| Ownership | ||
| Held by institutions | 53.5% | 81.6% |
| Held by insiders | 4.7% | 8.6% |
| Insider net buying, 12 months | $233K (better) | −$128K |
| Short interest, % of float | 3.6% | 3.8% |
Go deeper
- GABC stock overview
- GABC income statement
- GABC valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.