GABC Stock Analysis: German American Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.856m USD | 12M Return: 28.4% | US3738651047 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.54M
EPS Trend: 49.3%
Qual. Beats: 0
Rev. Trend: 91.0%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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. (GABC) is a U.S.-based financial holding company that operates German American Bank, headquartered in Jasper, Indiana, and founded in 1910. The company conducts business through two segments: Core Banking, which accepts deposits and originates consumer, commercial, agricultural, commercial/agricultural real estate, and residential mortgage loans (including selling residential mortgages in the secondary market); and Wealth Management, which provides trust, investment advisory, brokerage, and retirement planning services.
Its deposit products include demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit, while its lending offerings extend to home equity and credit card loans. As a regional bank listed on NASDAQ with a small-cap market capitalization, GABC operates within the community and regional banking segment of the U.S. financials sector, serving both retail and commercial customers in its geographic footprint.
- Net interest margin expands as deposit costs stabilize
- Commercial and agricultural loan growth outpaces peers in Indiana footprint
- Wealth Management fees climb on rising AUM and advisory demand
| Net Income: 142.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.79 > 1.0 |
| NWC/Revenue: 12.34% < 20% (prev -1.39k%; Δ 1.41k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 189.6m > Net Income 142.1m |
| Net Debt (82.1m) to EBITDA (197.2m): 0.42 < 3 |
| Current Ratio: 2.93 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.6m) vs 12m ago 4.09% < -2% |
| Gross Margin: 75.49% > 18% (prev 68.00%; Δ 7.49% > 0.5%) |
| Asset Turnover: 6.02% > 50% (prev 4.99%; Δ 1.03% > 0%) |
| Interest Coverage Ratio: 1.52 > 6 (EBIT TTM 177.3m / Interest Expense TTM 116.9m) |
| A: 0.01 (Total Current Assets 94.2m - Total Current Liabilities 32.1m) / Total Assets 8.44b |
| B: 0.07 (Retained Earnings 631.1m / Total Assets 8.44b) |
| C: 0.02 (EBIT TTM 177.3m / Avg Total Assets 8.36b) |
| D: 0.17 (Book Value of Equity 1.21b / Total Liabilities 7.23b) |
| Altman-Z'' = 0.61 = B |
As of October 06, 2026, the stock is trading at USD 49.28 with a total of 125,629 shares traded. Over the past week, the price has changed by -0.14%, over one month by -0.65%, over three months by +4.43% and over the past year by +28.35%.
Current recommended Stop Loss: 48.00 (which is 2.6% or 1.4 ATR below the current price).
German American Bancorp has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy GABC.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56.2 | 14% |
P/E Trailing = 13.0
P/E Forward = 12.837
P/S = 4.8885
P/B = 1.5195
P/EG = 1.4557
Revenue TTM = 503.0m USD
EBIT TTM = 177.3m USD
EBITDA TTM = 197.2m USD
Long Term Debt = 138.9m USD (from longTermDebt, last quarter)
Short Term Debt = 32.1m USD (from shortTermDebt, last quarter)
Debt = 176.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.14m
Net Debt = 82.1m USD (calculated: Debt 176.3m - CCE 94.2m)
Enterprise Value = 1.94b USD (1.86b + Debt 176.3m - CCE 94.2m)
Interest Coverage Ratio = 1.52 (Ebit TTM 177.3m / Interest Expense TTM 116.9m)
EV/FCF = 10.63x (Enterprise Value 1.94b / FCF TTM 182.4m)
FCF Yield = 9.41% (FCF TTM 182.4m / Enterprise Value 1.94b)
FCF Margin = 36.26% (FCF TTM 182.4m / Revenue TTM 503.0m)
Net Margin = 28.24% (Net Income TTM 142.1m / Revenue TTM 503.0m)
Gross Margin = 75.49% ((Revenue TTM 503.0m - Cost of Revenue TTM 123.3m) / Revenue TTM)
Gross Margin QoQ = 77.57% (prev 76.53%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.94b / Total Assets 8.44b)
Interest Expense / Debt = 66.30% (Interest Expense 116.9m / Debt 176.3m)
Taxrate = 19.89% (35.3m / 177.3m)
NOPAT = 142.1m (EBIT 177.3m * (1 - 19.89%))
Current Ratio = 2.93 (Total Current Assets 94.2m / Total Current Liabilities 32.1m)
Debt / Equity = 0.15 (Debt 176.3m / totalStockholderEquity, last quarter 1.21b)
Debt / EBITDA = 0.42 (Net Debt 82.1m / EBITDA 197.2m)
Debt / FCF = 0.45 (Net Debt 82.1m / FCF TTM 182.4m)
Total Stockholder Equity = 1.17b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.70% (Net Income 142.1m / Total Assets 8.44b)
RoE = 12.17% (Net Income TTM 142.1m / Total Stockholder Equity 1.17b)
RoCE = 13.58% (EBIT 177.3m / Capital Employed (Equity 1.17b + L.T.Debt 138.9m))
RoIC = 1.69% (NOPAT 142.1m / Invested Capital 8.41b)
WACC = 6.55% (E(1.86b)/V(2.03b) * Re(7.17%) + (debt cost/tax rate unavailable))
Discount Rate = 7.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 92.84 | Cagr: 11.17%
[DCF] Terminal Value 77.97% ; FCFF base≈155.0m ; Y1≈177.7m ; Y5≈261.5m
[DCF] Fair Price = 102.5 (EV 3.94b - Net Debt 82.1m = Equity 3.85b / Shares 37.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 49.26 | EPS CAGR: 6.71% | SUE: 0.69 | # QB: 0
Revenue Correlation: 90.96 | Revenue CAGR: 23.87% | SUE: 0.71 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.01 | Chg30d=+0.17% | Revisions=+38% | Analysts=6
EPS current Year (2026-12-31): EPS=3.92 | Chg30d=+0.04% | Revisions=+62% | GrowthEPS=+11.5% | GrowthRev=+10.5%
EPS next Year (2027-12-31): EPS=4.12 | Chg30d=+0.20% | Revisions=+62% | GrowthEPS=+5.1% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +72% (up=14, down=1)