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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$36.56 - $52.23
Previous Close$49.63
Volume145.96K
Average Volume (3M)116.13K
Market Cap
$1.91B
Enterprise Value$1.87K
Total Cash (Recent Filing)$75.96M
Total Debt (Recent Filing)$174.65M
Price to Earnings (P/E)13.4
Beta0.72
Next Earnings
Nov 02, 2026Next Dividend Ex-DateN/A
Dividend Yield2.36%
Share Statistics
EPS (TTM)3.63
Shares Outstanding37,564,316
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)3.74
Revenue Forecast (FY)$400.68M
Bulls Say, Bears Say
Bulls Say
Strong Profitability & Margin ExpansionSustained NII strength and improving margins (core NIM ~4.13–4.30% and higher net margins TTM) combined with a sub-50% efficiency ratio indicate the bank converts interest spreads and fees into durable operating earnings. This structural profitability supports reinvestment, dividends and capital build over multiple rate cycles.
Conservative Balance Sheet & Stronger CapitalMarked de-risking of leverage and materially higher equity since 2023–24 improves loss-absorption capacity and funding resiliency. A tangible common equity near 10% and lower D/E provide long-term flexibility to support lending, weather credit stress and pursue strategic growth without undue refinancing risk.
Diversified Fee Streams And Successful M&A IntegrationEffective integration and expansion of wealth and treasury services diversify revenue away from pure lending spreads, increasing noninterest income durability. Combined with ongoing hiring of relationship teams, this structural mix reduces volatility in earnings and supports cross-sell and long-term client retention.
Bears Say
Uneven Revenue ConsistencyTop-line volatility across years signals that revenue drivers (loan growth, fee income) have not been consistently predictable. For a regional bank, inconsistent revenue complicates multi-period planning for expense leverage and provisioning, making sustained margin improvements harder to rely on without steady organic growth.
Weak Operating Cash-flow Coverage MetricAlthough free cash flow tracks net income closely, an anomalously low operating-cash-coverage metric suggests timing, one-off items, or reporting quality issues that could mask liquidity tightness under stress. Persistent measurement gaps undermine confidence in cash cushions over adverse cycles.
Funding Risk: Reliance On Deposit GrowthManagement explicitly cites deposit growth as critical to funding loan pipeline. In a competitive regional market, failure to reliably expand low-cost core deposits forces reliance on pricier wholesale funding or slows loan growth, which could cap net interest income expansion and constrain durable profitability.
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 $36.56 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 $1.91B.
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 92 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 2.36%. 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.
How many shares outstanding does German American Bancorp have?
German American Bancorp has 37,564,316 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 4.485%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$55.50 (14.60% Upside)
$55.50 (14.60% Upside)
Blogger Sentiment
Neutral
GABC Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 38.2K 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
2.36%
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
2.88% Insiders
16.90% Mutual Funds
0.76% Other Institutional Investors
63.05% Public Companies and
Individual Investors