Financhill
Buy
51

GABC Quote, Financials, Valuation and Earnings

Last price:
$40.08
Seasonality move :
-1.19%
Day range:
$39.81 - $40.34
52-week range:
$32.75 - $46.23
Dividend yield:
2.88%
P/E ratio:
14.08x
P/S ratio:
3.11x
P/B ratio:
1.35x
Volume:
195.4K
Avg. volume:
101.3K
1-year change:
-11.77%
Market cap:
$1.5B
Revenue:
$353.1M
EPS (TTM):
$2.86

Analysts' Opinion

  • Consensus Rating
    German American Bancorp, Inc. has received a consensus rating of Hold. The company's average rating is a Hold based on 2 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $45.67, German American Bancorp, Inc. has an estimated upside of 13.51% from its current price of $40.10.
  • Price Target Downside
    According to analysts, the lowest downside price target is $44.00 representing 100% downside risk from its current price of $40.10.

Fair Value

  • According to the consensus of 5 analysts, German American Bancorp, Inc. has 13.51% upside to fair value with a price target of $45.67 per share.

GABC vs. S&P 500

  • Over the past 5 trading days, German American Bancorp, Inc. has underperformed the S&P 500 by -0.01% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • German American Bancorp, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • German American Bancorp, Inc. has grown year-over-year revenues for 15 quarters straight. In the most recent quarter German American Bancorp, Inc. reported revenues of $126.4M.

Earnings Growth

  • German American Bancorp, Inc. has grown year-over-year earnings for 2 quarters straight. In the most recent quarter German American Bancorp, Inc. reported earnings per share of $0.94.
Enterprise value:
1.7B
EV / Invested capital:
1.29x
Price / LTM sales:
3.11x
EV / EBIT:
7.02x
EV / Revenue:
3.83x
PEG ratio (5yr expected):
4.51x
EV / Free cash flow:
12.58x
Price / Operating cash flow:
10.22x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.33%
Net Income Margin (TTM):
22.22%
Return On Equity:
10.67%
Return On Invested Capital:
8.69%
Operating Margin:
34.62%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $308.7M $345.5M $450.7M $88.5M $126.4M
Gross Profit -- -- -- -- --
Operating Income $108.1M $100.9M $124.9M $25.6M $43.8M
EBITDA -- -- -- -- --
Diluted EPS $3.01 $2.77 $2.86 $0.71 $0.94
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $469.6M $398.7M $132.9M $225.2M $293.2M
Total Assets $5.5B $6.3B $6B $6.3B $8.4B
Current Liabilities $1.5B $1.8B $1.5B $1.5B $2B
Total Liabilities $4.8B $5.8B $5.5B $5.5B $7.3B
Total Equity $650.1M $494.7M $538.4M $744.6M $1.1B
Total Debt $192.7M $107.6M $249.2M $156.6M $182.8M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $99.5M $95.8M $141.5M $17.5M $46.4M
Cash From Investing -$13M -$52.8M -$32M -$138.4M -$49.8M
Cash From Financing -$327.2M $21.8M -$49.4M -$12.8M $58.9M
Free Cash Flow $92.5M $91.2M $137.1M $16M $44.7M
GABC
Sector
Market Cap
$1.5B
$555.9M
Price % of 52-Week High
87.02%
89.84%
Dividend Yield
2.88%
1.65%
Shareholder Yield
2.29%
3.16%
1-Year Price Total Return
-10.26%
1.51%
Beta (5-Year)
0.667
0.481
Dividend yield:
2.88%
Annualized payout:
$1.08
Payout ratio:
31%
Growth streak:
12 years

Technicals

8-day SMA
Buy
Level $39.80
200-day SMA
Buy
Level $38.95
Bollinger Bands (100)
Buy
Level 38.58 - 40.8
Chaikin Money Flow
Buy
Level 10.1M
20-day SMA
Buy
Level $39.32
Relative Strength Index (RSI14)
Buy
Level 56.92
ADX Line
Buy
Level 12.92
Williams %R
Sell
Level -5.303
50-day SMA
Buy
Level $39.10
MACD (12, 26)
Buy
Level 0.21
25-day Aroon Oscillator
Sell
Level -60
On Balance Volume
Neutral
Level 12.3M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.007)
Sell
CA Score (Annual)
Level (-2.0826)
--
Beneish M-Score (Annual)
Level (--)
Sell
Momentum Score
Level (5)
Sell
Ohlson Score
Level (3.4568)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

German American Bancorp, Inc. is a financial holding company, which engages in owning a trust, brokerage, and financial planning through German American Financial Advisors & Trust Co. and German American Insurance, Inc. It operates through the following segments: Core Banking, Wealth Management Services, Insurance Operations, and Other. The Core Banking segment is involved in attracting deposits from the public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, primarily in the company’s local markets. The Wealth Management Services segment offers trust, investment advisory, brokerage, and retirement planning services to customers. The Insurance Operations segment focuses on the full range of personal and corporate property and casualty insurance products, primarily in the company’s banking subsidiary’s local markets. The company was founded in 1982 and is headquartered in Jasper, IN.

Stock Forecast FAQ

In the current month, GABC has received 2 Buy ratings 3 Hold ratings, and 0 Sell ratings. The GABC average analyst price target in the past 3 months is $45.67.

  • Where Will German American Bancorp, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that German American Bancorp, Inc. share price will rise to $45.67 per share over the next 12 months.

  • What Do Analysts Say About German American Bancorp, Inc.?

    Analysts are divided on their view about German American Bancorp, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that German American Bancorp, Inc. is a Sell and believe this share price will drop from its current level to $44.00.

  • What Is German American Bancorp, Inc.'s Price Target?

    The price target for German American Bancorp, Inc. over the next 1-year time period is forecast to be $45.67 according to 5 Wall Street analysts, 2 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is GABC A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for German American Bancorp, Inc. is a Hold. 3 of 5 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of GABC?

    You can purchase shares of German American Bancorp, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase German American Bancorp, Inc. shares.

  • What Is The German American Bancorp, Inc. Share Price Today?

    German American Bancorp, Inc. was last trading at $40.08 per share. This represents the most recent stock quote for German American Bancorp, Inc.. Yesterday, German American Bancorp, Inc. closed at $40.10 per share.

  • How To Buy German American Bancorp, Inc. Stock Online?

    In order to purchase German American Bancorp, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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