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GABC Stock Chart & Stats
$49.56
$0.40(0.83%)
At close: 4:00 PM EDT
$49.56
$0.40(0.83%)
Day’s Range― - ―
52-Week Range$37.19 - $52.23
Previous Close$49.63
Volume145.96K
Average Volume (3M)127.85K
Market Cap
$1.82B
Enterprise Value$1.88B
Total Cash (Recent Filing)$94.16M
Total Debt (Recent Filing)$174.12M
Price to Earnings (P/E)12.9
Beta0.65
Next Earnings
Nov 02, 2026EPS Estimate
1.01Next Dividend Ex-DateN/A
Dividend Yield2.5%
Share Statistics
EPS (TTM)3.79
Shares Outstanding37,578,808
10 Day Avg. Volume135,898
30 Day Avg. Volume127,854
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 Cap1.03
Enterprise Value/Revenue3.73
Enterprise Value/Gross Profit4.94
Enterprise Value/Ebitda9.52
Forecast
1Y Price Target
$55.50Price Target Upside11.99% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.92
Revenue Forecast (FY)$405.31M
Bulls Say, Bears Say
Bulls Say
Record Earnings And Operating EfficiencyRecord earnings supported by a strong net interest margin, rising non-interest income, and disciplined expenses indicate broad operating strength rather than reliance on a single revenue source. Sustained efficiency and profitability can help the bank reinvest, defend its market position, and compound earnings over coming quarters.
Conservative Leverage And Strong CapitalImproving leverage and a larger equity base provide a durable financial cushion for a regional bank. Stronger capitalization supports balance-sheet growth, improves resilience against credit losses or earnings pressure, and gives management greater flexibility to fund customers and maintain shareholder distributions.
Consistent Cash GenerationFree cash flow that consistently tracks accounting earnings provides evidence that reported profitability converts into usable funds. The recent acceleration in cash generation strengthens internal funding capacity for lending, technology, dividends, and other capital allocation priorities without depending as heavily on external financing.
Bears Say
Margin And Return CyclicalityAlthough current profitability is improving, the multi-year record shows that margins and returns can vary materially across the rate and credit cycle. This cyclicality makes peak earnings less dependable, potentially limiting the durability of current profitability if banking conditions become less favorable.
Operating Cash-flow Data InconsistencyThe reported zero operating cash-flow coverage ratio creates a monitoring issue because it conflicts with the company’s otherwise strong free-cash-flow conversion. Even if caused by a reporting definition, uncertainty around operating cash coverage can complicate assessment of funding flexibility and cash-flow resilience.
Uneven Revenue Growth HistoryRecent revenue acceleration is encouraging, but the sharp contrast with roughly flat growth in 2024 shows that expansion has not been consistently smooth. Uneven growth can make staffing, credit deployment, and expense planning more difficult and raises questions about how much recent momentum is repeatable.
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 $37.19 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 $1.82B.
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 24 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 2.5%. See more information on German American Bancorp dividends here
What is German American Bancorp’s EPS estimate?
German American Bancorp’s EPS estimate is 1.01.
How many shares outstanding does German American Bancorp have?
German American Bancorp has 37,578,808 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 4.484%.
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
Moderate Buy
Average Price Target:
$55.50 (11.99% Upside)
$55.50 (11.99% Upside)
Blogger Sentiment
Neutral
GABC Sentiment 75%
Sector Average 62%
Sector Average 62%
Hedge Fund Trend
Increased
By 28.8K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
29.44%
12-Months-Change
Fundamentals
Return on Equity
12.17%
Trailing 12-Months
Asset Growth
1.93%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
▲(11.99% Upside)
Technical Analysis
1St Source
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First Financial Indiana
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First Merchants
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Lakeland Financial
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Stock Yards Bancorp
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Ownership Overview
2.84% Insiders
16.89% Mutual Funds
0.08% Other Institutional Investors
62.33% Public Companies and
Individual Investors