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German American Bancorp, Inc. GABC R2K

Financial Services · Banks - Regional · United States
https://germanamerican.com
Company Profile ↓
$47.83
+20.22% 1Y
Mkt Cap$1.80B
P/E13.14
P/B1.51
Div. Yield2.54%
52W High$48.06
52W Low$36.53
Book Value$31.27
EPS (TTM)$3.64

Company Overview

German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. 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. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.9% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 20.6% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 13.1, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 36.6%.

Dividend Income

Offers a dividend yield of 2.54%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $487.40M (+37.8% YoY); net profit $112.64M.
  • Trailing 12 Months Year-on-year growth — revenue +42.3%, earnings +193.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 20.6%, profit CAGR 14.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:20.57%
1 Year:42.30%

Compounded Profit Growth

5 Years:14.89%
1 Year:193.30%

Stock Price Performance

1 Year:+20.22%
6 Months:+23.06%
3 Months:+9.57%
1 Month:+4.18%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 98% of range
$36.53 $48.06
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)62.81 · Neutral
Price Performance
1M+4.18%
3M+9.57%
6M+23.06%
1Y+20.22%
Valuation vs Sector

P/E of 13.14 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 36.6%.
  • Compounding revenue at 20.6% over 5 years.
  • Profit CAGR of 14.9% over 5 years.
  • Attractive dividend yield of 2.54%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.14
Industry PE
13.52
Forward P/E
12.04
PEG Ratio
1.46
Book Value
$31.27
Price to Book
1.51
P/S
4.79
EV/EBITDA
-
Dividend Yield
2.54%

Growth (CAGR)

Revenue 5Y
20.57%
Profit 5Y
14.89%
Revenue (YoY)
42.30%
Earnings (YoY)
193.30%

Profitability & Returns

ROCE
-
ROE
12.18%
ROA
1.61%
Profit Margin
36.56%
Op Margin
48.03%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.88
EPS (TTM)
$3.64

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$178.52M
Total Assets
$8.38B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.23%
Chg in Prom Hold
0.03%
FII / Inst Holding
53.82%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$1.80B
Total Revenue (TTM)
$369.98M
EBITDA
-
Free Cash Flow
$154.00M
Operating Cash Flow
$158.43M
Shares Outstanding
37.56M
Gross Margin
0.00%
Payout Ratio
32.42%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GABC German American Bancorp, Inc. R2K 47.83 13.14 $1.80B 2.54% - 12.18% 20.57% 14.89%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue -----------------8.68M9.29M-10.50M8.09M9.17M-10.82M10.58M10.81M-------------
Net Income 7.31M7.33M7.72M7.71M5.15M9.79M10.19M10.06M9.56M9.84M9.66M11.62M11.81M11.10M12.64M10.98M15.07M15.27M13.06M15.82M12.47M14.26M14.59M20.89M19.56M23.82M21.49M9.07M23.75M24.60M20.81M22.12M21.45M19.02M20.53M21.05M10.52M31.36M35.07M33.15M
Diluted EPS 0.550.550.580.580.250.430.450.440.420.430.420.510.510.480.550.440.600.610.490.590.470.540.550.790.740.900.810.310.810.830.710.750.730.640.690.710.300.840.940.88

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------278.06M316.92M353.70M487.40M
Net Income 12.22M13.40M20.25M24.05M25.41M28.34M30.06M35.18M40.68M46.53M59.22M62.21M84.14M81.83M85.89M83.81M112.64M
Diluted EPS 1.101.211.611.901.982.141.511.571.771.992.292.343.172.782.912.833.06

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.38B1.87B2.01B2.16B2.24B2.37B2.96B3.14B3.93B4.40B4.98B5.61B6.16B6.15B6.30B8.39B
Total Equity 105.17M113.55M121.53M167.61M185.03M200.10M228.82M252.35M330.27M364.57M458.64M573.82M624.71M668.46M558.39M663.56M715.07M1.16B
Long Term Debt ---90.97M89.47M87.24M64.59M95.61M120.56M141.72M126.64M181.95M141.62M83.86M64.46M89.55M114.63M100.00M
Total Liabilities --1.25B1.71B1.82B1.96B2.01B2.12B2.63B2.78B3.47B3.82B4.35B4.94B5.60B5.49B5.58B7.23B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 10.43M17.23M26.62M42.00M----54.88M62.33M65.23M92.42M100.84M110.04M107.23M95.76M159.32M
Investing Cash Flow -65.57M-93.04M-104.95M-161.66M-----189.28M-38.80M30.66M-346.08M-640.30M-24.18M27.25M-82.40M-60.27M
Financing Cash Flow 38.21M67.03M120.16M107.65M----139.95M2.66M-88.56M495.52M590.60M-363.67M-136.54M60.10M-169.46M
Capital Expenditure -2.64M-1.98M-3.96M-3.62M-3.66M-3.05M-1.61M-5.23M-11.18M-15.19M-9.37M-7.07M-4.69M-7.85M-5.75M-5.05M-5.32M
Free Cash Flow 7.79M15.25M22.65M38.38M----43.69M47.15M55.85M85.35M96.16M102.18M101.49M90.72M154.00M
Dividends Paid 6.20M6.21M7.05M7.07M7.67M8.45M9.01M10.63M11.84M14.07M17.56M20.14M22.22M27.02M29.43M31.84M43.28M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------29.4%27.1%23.7%23.1%
ROE % 10.8%11.0%12.1%13.0%12.7%12.4%11.9%10.7%11.2%10.1%10.3%10.0%12.6%14.7%12.9%11.7%9.7%
ROCE % -----------------

Shareholding Pattern

Insiders
3.23%
Institutions
53.82%
Public Float
55.62%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.20% 2.71M $127.75M
2 Franklin Resources, Inc. 5.01% 1.88M $88.76M
3 Vanguard Capital Management LLC 4.05% 1.52M $71.89M
4 Dimensional Fund Advisors LP 3.25% 1.22M $57.58M
5 Charles Schwab Investment Management, Inc. 3.07% 1.15M $54.41M
6 German American Bancorp, Inc. 2.57% 966.87K $45.64M
7 Geode Capital Management, LLC 2.50% 939.96K $44.37M
8 State Street Corporation 2.45% 919.06K $43.38M
9 Champlain Investment Partners, LLC 1.67% 626.45K $29.57M
10 Royce & Associates LP 1.46% 548.45K $25.89M

Analyst View

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Latest News

Recent headlines for GABC

Google News hu, 02 Jul 2026

3 Reasons GABC is Risky and 1 Stock to Buy Instead - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxPQzNjMDdXNndJT0h4MEZTcFNEX0VqMlMtRUFqbnBXc2dpWl9KcmJBQ0NwYkhkdGJGbDRWZ3RtbVpGN3dwME0xOWJHdGYyVXZJbzIyd2ZrdjNiVXlWbEZ4bUJvRDJHQ1k2LTBzTkZRbHFnR1oyYm5jVEpZRWNTUDcwOVlpbnFmLTJDQlRRNF…

Google News Sun, 12 Jul 2026

German American Bancorp (NASDAQ:GABC) Downgraded to Sell Rating by Wall Street Zen - MarketBeat

<a href="https://news.google.com/rss/articles/CBMizgFBVV95cUxQUkNIU2RwSDU3VmpGWW1MNUoxc2lFeS05dWdMb1NER2dBSFFpMGJuVGVxMEJadFFQZzRNTVJLeEZ4ZDFHMFdTZ01MMFpjdVJxWlJoRFZYYzA3QXRPWERDdmxFdWNTUEE0TThWWlRlT0k5WWJValZEOHh6eV9GaUhSMWhJWmYyVGxQdWdBNm…

Google News Wed, 01 Jul 2026

Director Marc D. Fine receives 1,168 GABC shares in equity grant - Stock Titan

<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxPcXcwMXIzbTEtdy1KZDlqWGtLbVRRemk4ZDVyR2VlM0Y3MEQwekMzTC13T01vcFBXUmpra2FuSk4yam9mNFRCMVYtRUNROUx2ZDlLNkFGeVBOemlMNXVkSXo5MGZicUYtWWhXTlRRNzR0eVQxNkV4VEZyUlhtWXZqYkdlam54TFRRT0xBdl…

Google News ue, 23 Jun 2026

German American Bancorp (GABC) Stock Could Be 41.5% Below Fair Value After Strong Q4 Results - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxQVkZ4eWptTF9pcVJoYzNyaDltMEk5ejR5UlpPekdWUkcyWmZ3WXNtaTQ1MWhyQTBGZlFRTHEtS05weVIyMGw0NGpXc1VQM2N1S3c3MWU5RkZwTXJRc3ZBM0JYTVlERWpBdGVNaV9wNzBOaTFUWHl3TzRhTXBuNUZhUDJsME93NG5mWFphV0…

Google News Wed, 01 Jul 2026

Director at German American Bancorp (GABC) granted 1,168 restricted shares - Stock Titan

<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxNc3ZBbUFjM1NDcjJ4MV9ONzNtRkFXamhGUEV1VHQweWtKbFExenlkMndxUmZUQmlNOThKSmROWk5LRkxXUnNZdndseTRHR2hlOFJDRGRuVXRhU0tfaDB4b1lrS1lJSzRrOXZPakhLcnVNQV94a0Q1NEQxdW93cVFMSlNMV2lOaHRYYnpZR1…

Google News Fri, 03 Jul 2026

Spotting Winners: German American Bancorp (NASDAQ:GABC) And Regional Banks Stocks In Q4 - Yahoo Finance

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GABC — Frequently Asked Questions

What is the current share price of German American Bancorp, Inc. (GABC)?

As of 2026-07-15 16:51 PDT, German American Bancorp, Inc. (GABC) trades at $47.83 on NasdaqGS. Its 52-week range is $36.53 to $48.06.

What is the market capitalisation of GABC?

German American Bancorp, Inc. (GABC) has a market capitalisation of $1.80B on NasdaqGS.

What is the P/E ratio of GABC?

GABC trades at a trailing price-to-earnings (P/E) ratio of 13.14. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.51.

Does GABC pay a dividend?

German American Bancorp, Inc. (GABC) currently offers a dividend yield of 2.54%.

What is the return on equity (ROE) of GABC?

GABC has a return on equity (ROE) of 12.18%.

Is GABC a good stock to buy?

This page provides a data-driven analysis of German American Bancorp, Inc. (GABC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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