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GABC

BULLISH
$44.43 Live
German American Bancorp, Inc. · NASDAQ
Target $48.6 (+9.4%)
$33.85 52W Range $45.0
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 10, 2026
Market cap
$1.67B
P/E
14.33
ROE
12.0%
Profit margin
32.9%
Debt/Equity
N/A
Dividend yield
2.66%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
GABC presents a strong value proposition with a Piotroski F-Score of 4/9 indicating stable financial health and a current price of $44.43 trading below both its Graham Number ($46.50) and its growth-based Intrinsic Value ($91.45). The company is exhibiting explosive growth with YoY revenue increases of 45.30% and strong earnings momentum. While the technical trend is currently flagged as bearish (10/100), the fundamental metrics, including a sustainable payout ratio and consistent earnings beats, suggest significant upside potential.

Key Strengths

Exceptional revenue growth (45.30% YoY) and Q/Q earnings growth (53.70%)
Trading at a discount to both Graham Number and Intrinsic Value
Strong profitability with a 32.93% profit margin and 1.53% ROA
Sustainable dividend profile with a low payout ratio of 37.91%
Consistent track record of beating earnings estimates over 25 quarters

Key Risks

Bearish technical trend (10/100) suggesting short-term price pressure
Piotroski F-Score of 4/9 is only 'Stable', not 'Strong'
Historical volatility in quarterly earnings (significant misses in April 2025 and April 2022)
Exposure to regional banking sector systemic risks
Low insider buying activity over the last 6 months
AI Fair Value Estimate
Based on comprehensive analysis
$58.5
+31.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
74
Strong
Value
85
Future
92
Past
80
Health
50
Dividend
65
AI Verdict
Strong Fundamental Value
Key drivers: High growth rates, Undervaluation relative to intrinsic value, Consistent earnings performance
Confidence
90%
Value
85/100

Ref P/E, PEG, Graham Number

Positives
  • P/E of 14.33 is conservative
  • Price is below Graham Number ($46.50)
  • P/B of 1.43 is reasonable for the sector
Watchpoints
  • Price is currently near 52-week high ($45.00)
Future
92/100

Ref Growth rates

Positives
  • 45.30% YoY Revenue Growth
  • Forward P/E (11.13) suggests earnings expansion
Watchpoints
  • Sustainability of 40%+ growth in regional banking is challenging
Past
80/100

Ref Historical trends

Positives
  • 3/4 recent quarters beat estimates
  • Strong 1Y price performance (+27.5%)
Watchpoints
  • Occasional deep earnings misses in previous years
Health
50/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score of 4/9 indicates stability
Watchpoints
  • F-Score is not in the 'Strong' range (7-9)
  • Altman Z-Score not applicable/provided for this bank
Dividend
65/100

Ref Yield, Payout

Positives
  • Low payout ratio (37.91%) allows for future increases
Watchpoints
  • Yield (2.66%) is modest compared to some regional peers

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$44.43
Analyst Target
$48.6
Upside/Downside
+9.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for GABC and closest competitors.

Updated 2026-04-09
GAB
German American Bancorp, Inc.
Primary
5Y
+10.4%
3Y
+49.9%
1Y
+27.5%
6M
+17.2%
1M
+10.2%
1W
+4.2%
BDJ
BlackRock Enhanced Equity Dividend Trust
Peer
5Y
+74.8%
3Y
+37.0%
1Y
+19.0%
6M
+12.5%
1M
+2.6%
1W
+0.9%
BLX
Banco Latinoamericano de Comercio Exterior, S. A.
Peer
5Y
+299.4%
3Y
+227.1%
1Y
+29.8%
6M
+12.0%
1M
+5.6%
1W
+3.8%
EZP
EZCORP, Inc.
Peer
5Y
+422.0%
3Y
+218.9%
1Y
+83.8%
6M
+47.9%
1M
+5.0%
1W
+7.7%
BST
BlackRock Science and Technology Term Trust
Peer
5Y
+4.5%
3Y
+76.4%
1Y
+17.1%
6M
+13.7%
1M
-0.8%
1W
-0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.33
Forward P/E
11.13
PEG Ratio
N/A
P/B Ratio
1.43
P/S Ratio
4.88
EV/Revenue
5.08
EV/EBITDA
N/A
Market Cap
$1.67B

Profitability

Profit margins and return metrics

Profit Margin 32.93%
Operating Margin 47.42%
Gross Margin N/A
ROE 12.0%
ROA 1.53%

Growth

Revenue and earnings growth rates

Revenue Growth +45.3%
Earnings Growth +21.7%
Q/Q Revenue Growth +47.35%
Q/Q Earnings Growth +53.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.28

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.1B
Net Margin
37.2%
Total Assets
$8.4B
Liabilities
$7.2B
Equity
$1.2B
Debt/Equity
6.22x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
96%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-27
$N/A
2026-01-26
$0.95
+5.0% surprise
2025-10-27
$0.92
+5.3% surprise
2025-07-28
$0.86
+4.2% surprise

Financial Services Sector Comparison

Comparing GABC against 306 companies in the Financial Services sector (53 bullish, 132 neutral, 121 bearish)
P/E Ratio
14.33
This Stock
vs
55.13
Sector Avg
-74.0% (Discount)
Return on Equity (ROE)
12.0%
This Stock
vs
-0.93%
Sector Avg
-1393.3% (Below Avg)
Profit Margin
32.93%
This Stock
vs
69.73%
Sector Avg
-52.8% (Weaker)
Revenue Growth
45.3%
This Stock
vs
32.66%
Sector Avg
+38.7% (Fast Growth)

Similar Companies

Peer comparison within the same industry

GABC German American...
BULLISH
Mkt Cap
$1.7B
P/E
14.3
ROE
12.0%
Price
$44.43
BDJ BlackRock...
NEUTRAL
Mkt Cap
$1.7B
P/E
9.8
ROE
10.3%
Price
$9.5
 Compare with GABC
BLX Banco...
NEUTRAL
Mkt Cap
$1.7B
P/E
7.9
ROE
15.0%
Price
$46.76
 Compare with GABC
EZPW EZCORP, Inc.
BULLISH
Mkt Cap
$1.7B
P/E
17.6
ROE
13.0%
Price
$28.03
 Compare with GABC
BSTZ BlackRock...
BEARISH
Mkt Cap
$1.6B
P/E
3.6
ROE
-%
Price
$22.64
 Compare with GABC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BAWEL ZACHARY W.
Director
Buy
2026-03-17
24 shares · $1,000
RYAN CHRISTINA M
Director
Buy
2026-03-17
49 shares · $2,018
BECKWITH MICHAEL F
Officer
Stock Award
2026-03-04
4,647 shares
ARNETT BRADLEY C
Officer
Stock Award
2026-03-04
3,570 shares
POWELL WARREN SCOTT
Officer
Stock Award
2026-03-04
3,174 shares
DAUBY D NEIL
Chief Executive Officer
Stock Award
2026-03-04
12,466 shares
RUST BRADLEY M
President
Stock Award
2026-03-04
6,800 shares
JACKSON AMY D
Officer
Stock Award
2026-03-04
4,307 shares
SCHULER VICKI L
Officer
Stock Award
2026-03-04
684 shares
SHEIDLER JACK
Director
Buy
2026-01-15
24 shares · $1,000
BAWEL ZACHARY W.
Director
Buy
2026-01-15
49 shares · $2,000
ELLSPERMANN SUSAN J
Director
Buy
2026-01-15
24 shares · $1,000
RYAN CHRISTINA M
Director
Buy
2025-12-15
48 shares · $2,000
ELLSPERMANN SUSAN J
Director
Buy
2025-12-15
24 shares · $1,000
MCCOMB GREGORY SCOTT
Director
Gift
2025-12-01
1,415 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
5 analysts
Piper Sandler
2026-03-20
up
Neutral Overweight
Piper Sandler
2026-01-29
Maintains
Neutral Neutral
Keefe, Bruyette & Woods
2026-01-28
Maintains
Market Perform Market Perform

Past News Coverage

Recent headlines mentioning GABC from our newsroom.

Newest → oldest
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