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GABC Stock Chart & Stats
$48.43
$0.40(0.83%)
At close: 4:00 PM EDT
$48.43
$0.40(0.83%)
Day’s Range― - ―
52-Week Range$37.19 - $52.23
Previous Close$49.63
Volume145.96K
Average Volume (3M)116.13K
Market Cap
$1.88B
Enterprise Value$1.88K
Total Cash (Recent Filing)$94.16M
Total Debt (Recent Filing)$174.12M
Price to Earnings (P/E)13.2
Beta0.67
Next Earnings
Nov 02, 2026EPS Estimate
1.01Next Dividend Ex-DateN/A
Dividend Yield2.44%
Share Statistics
EPS (TTM)3.79
Shares Outstanding37,578,808
10 Day Avg. Volume104,961
30 Day Avg. Volume116,126
Financial Highlights & Ratios
PEG Ratio1.58
Price to Book (P/B)1.24
Price to Sales (P/S)2.96
P/FCF Ratio9.36
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$55.50Price Target Upside14.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.89
Revenue Forecast (FY)$400.68M
Bulls Say, Bears Say
Bulls Say
Improving ProfitabilitySustained margin expansion to ~28% net and ~35% EBIT in the TTM indicates stronger core earnings power and pricing ability. This durable uplift supports internal investment, dividend maintenance and cushions against moderate credit volatility over the next several months.
Conservative LeverageA materially lower debt-to-equity ratio provides a thicker capital cushion and greater financial flexibility. Improved leverage supports organic growth, acquisition integration and dividend policy while reducing the firm's vulnerability to stress in regional banking markets over the medium term.
Strong Cash GenerationFree cash flow tracking nearly all net income and rising ~42% TTM demonstrates robust cash conversion. Reliable FCF underpins sustainable dividends, funds loan and deposit growth, and reduces reliance on external funding, strengthening long-term operational resilience.
Bears Say
Margin VolatilityHistorical swings in margins signal sensitivity to rate cycles, credit mix and expense timing. That cyclicality makes earnings less predictable and could compress profitability if adverse rate or credit trends persist, complicating longer-term planning and capital allocation decisions.
Operating Cash Flow AnomalyA reported 0.0 operating cash flow coverage in the TTM appears inconsistent and warrants monitoring. If persistent or indicative of timing/quality issues, it could mask shortfalls in cash funding from operations and impair liquidity or the ability to sustain payouts during stress.
Earnings Sensitivity To Rates/CreditHeavy reliance on net interest income exposes earnings to interest-rate swings and credit cycles. Competitive deposit dynamics or loan credit deterioration can rapidly reduce spreads and increase provisions, limiting margin durability and creating revenue volatility over the medium term.
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 $37.19 and its highest was $52.23 in the past 12 months.
What is German American Bancorp’s market cap?
German American Bancorp’s market cap is $1.88B.
When is German American Bancorp’s upcoming earnings report date?
German American Bancorp’s upcoming earnings report date is Nov 02, 2026 which is in 70 days.
How were German American Bancorp’s earnings last quarter?
German American Bancorp released its earnings results on Jul 27, 2026. The company reported $1.02 earnings per share for the quarter, beating the consensus estimate of $0.923 by $0.097.
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 $0.31 which represents an annual dividend yield of 2.44%. See more information on German American Bancorp dividends here
What is German American Bancorp’s EPS estimate?
German American Bancorp’s EPS estimate is 1.01.
How many shares outstanding does German American Bancorp have?
German American Bancorp has 37,578,808 shares outstanding.
What happened to German American Bancorp’s price movement after its last earnings report?
German American Bancorp reported an EPS of $1.02 in its last earnings report, beating expectations of $0.923. Following the earnings report the stock price went up 4.484%.
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:
$55.50 (14.60% Upside)
$55.50 (14.60% Upside)
Blogger Sentiment
Bullish
GABC Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 28.8K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-4.52%
12-Months-Change
Fundamentals
Return on Equity
2.44%
Trailing 12-Months
Asset Growth
1.93%
Trailing 12-Months
Company Description
German American Bancorp
German American Bancorp, Inc. functions as the parent entity for German American Bank, offering a comprehensive suite of retail and commercial banking services. The company's operations are divided into three core segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment's primary activities include accepting deposits from the public and originating diverse loan types, such as consumer, commercial, agricultural, commercial and agricultural real estate, and residential mortgage loans; it also facilitates the sale of residential mortgage loans on the secondary market. Through its Wealth Management segment, the company delivers trust administration, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment is responsible for providing various personal and corporate property and casualty insurance products. By the end of 2021, the company operated 77 banking branches spanning 19 adjacent counties in southern Indiana, in addition to 14 counties in Kentucky. Founded in 1910, German American Bancorp, Inc. is headquartered in Jasper, Indiana.
GABC Stock 12 Month Forecast
Average Price Target
$55.50
▲(14.60% Upside)
Technical Analysis
Ownership Overview
2.84% Insiders
16.89% Mutual Funds
7.95% Other Institutional Investors
55.81% Public Companies and
Individual Investors