German American Bancorp (GABC)
NASDAQ:GABC
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GABC Stock Chart & Stats
$44.14
$0.09(0.22%)
At close: 4:00 PM EST
$44.14
$0.09(0.22%)
Day’s Range― - ―
52-Week Range$36.55 - $45.00
Previous CloseN/A
Volume17.12K
Average Volume (3M)116.13K
Market Cap
$1.63B
Enterprise Value$1.73B
Total Cash (Recent Filing)$1.23B
Total Debt (Recent Filing)$182.68M
Price to Earnings (P/E)11.8
Beta0.74
Next Earnings
Aug 03, 2026EPS Estimate
0.93Next Dividend Ex-DateN/A
Dividend Yield2.89%
Share Statistics
EPS (TTM)0.88
Shares Outstanding37,575,554
10 Day Avg. Volume104,961
30 Day Avg. Volume116,126
Financial Highlights & Ratios
PEG Ratio1.57
Price to Book (P/B)1.24
Price to Sales (P/S)2.96
P/FCF Ratio9.36
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue3.55
Enterprise Value/Gross Profit5.05
Enterprise Value/Ebitda10.35
Forecast
1Y Price Target
$49.00Price Target Upside11.01% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)3.76
Revenue Forecast (FY)$395.54M
Bulls Say, Bears Say
Bulls Say
Durable Profitability And MarginsQuarterly results showing $33.2M net income, a 4.26% net interest margin and 17.08% return on tangible common equity reflect durable core profitability. Strong margins and high ROTCE support ongoing internal capital generation, dividend coverage, and reinvestment capacity over the medium term.
Strong Asset Quality And Stable FundingVery low NPAs (0.35%), minimal net charge-offs and a large share of noninterest-bearing deposits indicate disciplined underwriting and a stable, low-cost funding mix. These traits reduce earnings volatility, limit provisioning needs, and preserve lending capacity across economic cycles.
Diversified Fee Income StreamsThe bank's model includes wealth management, trust and insurance businesses that generate noninterest income from fees and commissions. This diversification reduces dependence on net interest margins, smoothing revenue through rate cycles and enabling cross-sell opportunities that support longer-term revenue resilience.
Bears Say
Weak Cash ConversionOperating cash flow plunging to roughly $2.0M and a TTM negative free cash flow mark a meaningful deterioration in cash conversion. If sustained, this constrains liquidity, reduces flexibility for organic investment or buybacks, and increases reliance on external funding during stress periods.
Stagnant Loan GrowthQuarterly stability in loan balances and a slight decline in total assets—driven by paydowns and slow construction draws—suggest limited near-term loan growth. Prolonged stagnation would cap net interest income expansion and hinder scale-driven margin improvements and operating leverage.
Authorized Share Increase Raises Dilution RiskThe shareholder-approved amendment to double authorized common shares materially increases the company's capacity to raise equity or pursue acquisitions but also creates a structural dilution option. Future equity issuance could dilute existing holders and affect per-share metrics if executed.
German American Bancorp News
GABC FAQ
What was German American Bancorp’s price range in the past 12 months?
German American Bancorp lowest stock price was $36.55 and its highest was $45.00 in the past 12 months.
What is German American Bancorp’s market cap?
German American Bancorp’s market cap is $1.63B.
When is German American Bancorp’s upcoming earnings report date?
German American Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 91 days.
How were German American Bancorp’s earnings last quarter?
German American Bancorp released its earnings results on Apr 27, 2026. The company reported $0.88 earnings per share for the quarter, missing the consensus estimate of $0.884 by -$0.004.
Is German American Bancorp overvalued?
According to Wall Street analysts German American Bancorp’s price is currently Undervalued.
Does German American Bancorp pay dividends?
German American Bancorp pays a Quarterly dividend of $0.29 which represents an annual dividend yield of 2.89%. See more information on German American Bancorp dividends here
What is German American Bancorp’s EPS estimate?
German American Bancorp’s EPS estimate is 0.93.
How many shares outstanding does German American Bancorp have?
German American Bancorp has 37,575,554 shares outstanding.
What happened to German American Bancorp’s price movement after its last earnings report?
German American Bancorp reported an EPS of $0.88 in its last earnings report, missing expectations of $0.884. Following the earnings report the stock price went up 0.919%.
Which hedge fund is a major shareholder of German American Bancorp?
Currently, no hedge funds are holding shares in GABC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
German American Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$49.00 (11.01% Upside)
$49.00 (11.01% Upside)
Blogger Sentiment
Neutral
GABC Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 16.7K Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-4.52%
12-Months-Change
Fundamentals
Return on Equity
10.25%
Trailing 12-Months
Asset Growth
-0.44%
Trailing 12-Months
Company Description
German American Bancorp
German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
GABC Stock 12 Month Forecast
Average Price Target
$49.00
▲(11.01% Upside)
Technical Analysis
1St Source
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S&T Bancorp
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Trico Bancshares
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National Bank Holdings
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Stellar Bancorp
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Ownership Overview
2.83% Insiders
16.33% Mutual Funds
1.42% Other Institutional Investors
64.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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