GABC Stock Analysis: German American Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.788m USD | 12M Return: 20.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.64M
EPS Trend: 10.7%
Qual. Beats: 0
Rev. Trend: 88.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
German American Bancorp, Inc. (NASDAQ: GABC) is a financial holding company headquartered in Jasper, Indiana, that operates its banking subsidiary, German American Bank. Founded in 1910, the company conducts business through two segments: Core Banking, which handles deposit gathering and a range of lending activities including consumer, commercial, agricultural, real estate, and residential mortgage loans; and Wealth Management, which delivers trust, investment advisory, brokerage, and retirement planning services.
As a regional bank, GABC concentrates its operations within a defined Midwestern footprint, serving both retail and commercial customers. Its mix of traditional lending and fee-based wealth management services provides diversified revenue streams typical of community-oriented banking institutions.
- Net interest margin expansion as Fed holds rates steady
- Agricultural loan demand grows across Indiana farm belt
- Wealth Management fees rise on equity market gains
| Net Income: 135.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.58 > 1.0 |
| NWC/Revenue: -1.39k% < 20% (prev -1.74k%; Δ 352.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 158.4m > Net Income 135.3m |
| Net Debt (100.8m) to EBITDA (196.5m): 0.51 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.5m) vs 12m ago 8.18% < -2% |
| Gross Margin: 74.10% > 18% (prev 63.78%; Δ 10.33% > 0.5%) |
| Asset Turnover: 5.94% > 50% (prev 4.07%; Δ 1.88% > 0%) |
| Interest Coverage Ratio: 1.37 > 6 (EBIT TTM 168.4m / Interest Expense TTM 123.2m) |
| A: -0.83 (Total Current Assets 113.6m - Total Current Liabilities 7.03b) / Total Assets 8.38b |
| B: 0.07 (Retained Earnings 604.5m / Total Assets 8.38b) |
| C: 0.02 (EBIT TTM 168.4m / Avg Total Assets 8.40b) |
| D: 0.16 (Book Value of Equity 1.17b / Total Liabilities 7.21b) |
| Altman-Z'' = -4.87 = D |
As of July 08, 2026, the stock is trading at USD 47.66 with a total of 202,473 shares traded. Over the past week, the price has changed by +1.25%, over one month by +7.34%, over three months by +11.36% and over the past year by +20.14%.
Current recommended Stop Loss: 46.30 (which is 2.9% or 1.3 ATR below the current price).
German American Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy GABC.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 49.4 | 3.7% |
P/E Trailing = 13.0769
P/E Forward = 11.8343
P/S = 4.8328
P/B = 1.5228
P/EG = 1.4557
Revenue TTM = 499.3m USD
EBIT TTM = 168.4m USD
EBITDA TTM = 196.5m USD
Long Term Debt = 138.9m USD (from longTermDebt, last quarter)
Short Term Debt = 32.4m USD (from shortTermDebt, last quarter)
Debt = 176.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.14m
Net Debt = 100.8m USD (calculated: Debt 176.8m - CCE 76.0m)
Enterprise Value = 1.89b USD (1.79b + Debt 176.8m - CCE 76.0m)
Interest Coverage Ratio = 1.37 (Ebit TTM 168.4m / Interest Expense TTM 123.2m)
EV/FCF = 12.32x (Enterprise Value 1.89b / FCF TTM 153.3m)
FCF Yield = 8.12% (FCF TTM 153.3m / Enterprise Value 1.89b)
FCF Margin = 30.71% (FCF TTM 153.3m / Revenue TTM 499.3m)
Net Margin = 27.09% (Net Income TTM 135.3m / Revenue TTM 499.3m)
Gross Margin = 74.10% ((Revenue TTM 499.3m - Cost of Revenue TTM 129.3m) / Revenue TTM)
Gross Margin QoQ = 76.53% (prev 74.03%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.89b / Total Assets 8.38b)
Interest Expense / Debt = 69.67% (Interest Expense 123.2m / Debt 176.8m)
Taxrate = 19.70% (33.2m / 168.4m)
NOPAT = 135.3m (EBIT 168.4m * (1 - 19.70%))
Current Ratio = 0.02 (Total Current Assets 113.6m / Total Current Liabilities 7.03b)
Debt / Equity = 0.15 (Debt 176.8m / totalStockholderEquity, last quarter 1.17b)
Debt / EBITDA = 0.51 (Net Debt 100.8m / EBITDA 196.5m)
Debt / FCF = 0.66 (Net Debt 100.8m / FCF TTM 153.3m)
Total Stockholder Equity = 1.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 135.3m / Total Assets 8.38b)
RoE = 11.95% (Net Income TTM 135.3m / Total Stockholder Equity 1.13b)
RoCE = 13.26% (EBIT 168.4m / Capital Employed (Equity 1.13b + L.T.Debt 138.9m))
RoIC = 1.62% (NOPAT 135.3m / Invested Capital 8.36b)
WACC = 6.81% (E(1.79b)/V(1.96b) * Re(7.48%) + (debt cost/tax rate unavailable))
Discount Rate = 7.48% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 95.56 | Cagr: 11.15%
[DCF] Terminal Value 77.97% ; FCFF base≈133.9m ; Y1≈153.5m ; Y5≈225.9m
[DCF] Fair Price = 87.81 (EV 3.40b - Net Debt 100.8m = Equity 3.30b / Shares 37.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 10.75 | EPS CAGR: 1.11% | SUE: 0.0 | # QB: 0
Revenue Correlation: 88.10 | Revenue CAGR: 21.37% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.93 | Chg30d=+0.00% | Revisions=+0% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.97 | Chg30d=+0.00% | Revisions=-12% | Analysts=5
EPS current Year (2026-12-31): EPS=3.76 | Chg30d=-0.05% | Revisions=-12% | GrowthEPS=+6.8% | GrowthRev=+9.5%
EPS next Year (2027-12-31): EPS=3.99 | Chg30d=-0.15% | Revisions=-12% | GrowthEPS=+6.1% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: -14% (up=8, down=11)