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German American Bancorp (GABC)
NASDAQ:GABC
GABC Stock Chart & Stats
$41.34
$0.09(0.22%)
At close: 4:00 PM EST
$41.34
$0.09(0.22%)
Day’s Range― - ―
52-Week Range$32.75 - $45.00
Previous CloseN/A
Volume17.12K
Average Volume (3M)116.13K
Market Cap
$1.55B
Enterprise Value$1.69B
Total Cash (Recent Filing)$118.88M
Total Debt (Recent Filing)$182.68M
Price to Earnings (P/E)13.5
Beta0.74
Next Earnings
Apr 27, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield2.89%
Share Statistics
EPS (TTM)0.95
Shares Outstanding37,491,800
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 Ratio711.94
Enterprise Value/Market Cap1.09
Enterprise Value/Revenue3.46
Enterprise Value/Gross Profit4.93
Enterprise Value/Ebitda10.10
Forecast
1Y Price Target
$47.33Price Target Upside14.49% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)3.77
Revenue Forecast (FY)$394.12M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetA conservative capital and leverage profile provides resilience to credit cycles and funding shocks. Low debt relative to equity preserves regulatory buffers, maintains lending flexibility, and supports measured growth or opportunistic acquisitions without materially increasing financial risk.
Strong NIM & EfficiencyA robust NIM and sub-50% efficiency ratio indicate the bank earns attractive core spreads while controlling operating costs. That structural profitability supports durable core earnings, helping sustain capital generation and shareholder distributions across typical regional bank cycles.
Consistent Dividend & ROE Track RecordA long track record of double-digit ROE and consecutive dividend increases signals repeatable franchise economics and disciplined capital allocation. This consistency underpins investor confidence and reflects sustainable earnings power and management commitment to returning capital over time.
Bears Say
Weak Cash ConversionThe sharp decline in operating cash flow and a negative free cash flow position mark a meaningful deterioration in cash conversion. If persistent, this reduces financial flexibility for lending, buybacks, or dividends and raises reliance on noncash accounting or external funding.
Declining ROE/efficiency Vs Prior YearsROE materially below 2022–2024 levels suggests reduced efficiency in converting equity into profits. Sustained lower ROE can limit internal capital accrual, force slower growth or capital issuance, and signal pressures on core underwriting or expense leverage.
Margins Normalizing Below Recent LevelsNet margins have normalized from peak pandemic-era levels and sit below the 2023–2024 range, indicating structural pressure from spread compression or funding costs. Continued margin erosion would weaken earnings power and constrain the ability to rebuild cash flow buffers.
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 $32.75 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 $1.55B.
When is German American Bancorp’s upcoming earnings report date?
German American Bancorp’s upcoming earnings report date is Apr 27, 2026 which is in 55 days.
How were German American Bancorp’s earnings last quarter?
German American Bancorp released its earnings results on Jan 26, 2026. The company reported $0.95 earnings per share for the quarter, beating the consensus estimate of $0.905 by $0.045.
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 0.89.
How many shares outstanding does German American Bancorp have?
German American Bancorp has 37,491,800 shares outstanding.
What happened to German American Bancorp’s price movement after its last earnings report?
German American Bancorp reported an EPS of $0.95 in its last earnings report, beating expectations of $0.905. Following the earnings report the stock price went up 3.648%.
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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10
Analyst Consensus
Hold
Average Price Target:
$47.33 (14.49% Upside)
$47.33 (14.49% Upside)
Blogger Sentiment
Neutral
GABC Sentiment 50%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Increased
By 16.7K 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
10.75%
Trailing 12-Months
Asset Growth
33.19%
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
$47.33
▲(14.49% Upside)
Technical Analysis
1St Source
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National Bank Holdings
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Stellar Bancorp
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Ownership Overview
2.79% Insiders
17.23% Mutual Funds
9.26% Other Institutional Investors
55.43% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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