Pricing Log in Create free account

German American Bancorp, Inc. (GABC) vs S&T Bancorp, Inc. (STBA)

German American Bancorp, Inc. and S&T Bancorp, Inc. are both Banks Regional companies. German American Bancorp, Inc. and S&T Bancorp, Inc. are of similar size ($1.9B and $1.7B). S&T Bancorp, Inc. trades at the lower P/E: 12.9× against 13.2×. German American Bancorp, Inc. grew revenue faster over the last twelve months: 21.7% against 2.45%. German American Bancorp, Inc. has the higher net margin (28.2% vs 24.5%) and the lower return on invested capital (8.62% vs 8.71%). Both pay a dividend; S&T Bancorp, Inc. yields more (2.99% vs 2.44%). Across the 19 metrics below, German American Bancorp, Inc. leads on 10 and S&T Bancorp, Inc. on 9.

Valuation

Metric GABC STBA Banks Regional median
P/E 13.17 12.89 11.98
P/S 3.73 3.04 2.34
P/B 1.55 1.24 1.19
Price to free cash flow 10.26 12.19 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.59% 7.76% 8.23%
Free cash flow yield 9.74% 8.20% 9.08%

Profitability

Metric GABC STBA Banks Regional median
Gross margin 76.77% 72.44% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.24% 24.51% 18.66%
Free cash flow margin 36.33% 24.94% 21.11%
Return on equity 12.46% 9.87% 10.65%
Return on assets 1.70% 1.42% 1.13%
Return on invested capital 8.62% 8.71% 8.35%

Growth

Metric GABC STBA Banks Regional median
Revenue growth (TTM) 21.70% 2.45% 6.98%
EPS growth (last fiscal year) 8.13% 2.35% 18.88%
Revenue growth, 5-year CAGR 16.32% 8.38% 12.38%
Net income growth, 5-year CAGR 12.61% 44.96% 9.71%

Health

Metric GABC STBA Banks Regional median
Debt to equity 0.14 0.05 0.22
Current ratio 0.86 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GABC STBA Banks Regional median
Dividend yield 2.44% 2.99% 2.57%
Payout ratio 0.32 0.39 0.30

Size

Metric GABC STBA Banks Regional median
Market cap 1.86b 1.71b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack