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German American Bancorp, Inc.NasdaqGS:GABC Stock Report

Market Cap US$1.9b
Share Price
n/a
1Y21.6%
7D-0.5%
1D0.1%
Portfolio Value
​
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German American Bancorp, Inc.

NasdaqGS:GABC Stock Report

Market Cap: US$1.9b

German American Bancorp (GABC) Stock Overview

Operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. More details

GABC fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance5/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 26.1% below our estimate of its fair value

Earnings are forecast to grow 5.62% per year

Earnings grew by 64.9% over the past year

Pays a reliable dividend of 2.49%

Risk Analysis

No risks detected for GABC from our risk checks.

GABC Community Fair Values

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German American Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for German American Bancorp
Historical stock prices
Current Share PriceUS$49.75
52 Week HighUS$52.23
52 Week LowUS$37.19
Beta0.57
1 Month Change-3.17%
3 Month Change10.63%
1 Year Change21.61%
3 Year Change75.49%
5 Year Change36.83%
Change since IPO952.42%

Recent News & Updates

Seeking Alpha • Aug 25

German American Bancorp: Strong Earnings But Fully Valued

Summary German American Bancorp is rated HOLD due to a high 2.3x P/TBV valuation and limited capital returns. 2Q26 earnings beat expectations, with net interest margin at 4.30% and record 1.8% ROAA, but most positives are priced in after a 25% YTD rally. The Heartland Bancorp acquisition expands GABC into high-growth Columbus and Cincinnati, offering future earnings potential. Dividend yield is in line with peers at 2.5%, but share buybacks are minimal, limiting near-term capital return upside. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Aug 25

German American Bancorp: Strong Earnings But Fully Valued

Summary German American Bancorp is rated HOLD due to a high 2.3x P/TBV valuation and limited capital returns. 2Q26 earnings beat expectations, with net interest margin at 4.30% and record 1.8% ROAA, but most positives are priced in after a 25% YTD rally. The Heartland Bancorp acquisition expands GABC into high-growth Columbus and Cincinnati, offering future earnings potential. Dividend yield is in line with peers at 2.5%, but share buybacks are minimal, limiting near-term capital return upside. Read the full article on Seeking Alpha
Analysis Article • Jan 30

German American Bancorp (NASDAQ:GABC) Has Announced That It Will Be Increasing Its Dividend To $0.31

German American Bancorp, Inc.'s ( NASDAQ:GABC ) dividend will be increasing from last year's payment of the same period...
Analysis Article • Jul 31

German American Bancorp, Inc. Just Recorded A 14% EPS Beat: Here's What Analysts Are Forecasting Next

German American Bancorp, Inc. ( NASDAQ:GABC ) shareholders are probably feeling a little disappointed, since its shares...
Analysis Article • Jan 31

German American Bancorp's (NASDAQ:GABC) Upcoming Dividend Will Be Larger Than Last Year's

German American Bancorp, Inc. ( NASDAQ:GABC ) has announced that it will be increasing its dividend from last year's...
Seeking Alpha • Nov 06

German American Bancorp: Not Much Upside Ahead

Summary German American Bancorp, Inc.'s upside potential is limited due to expected lower interest rates impacting net interest income. The bank's loan book is heavily exposed to commercial real estate and agricultural loans, with moderate interest rate sensitivity. Despite good credit quality and profitability, rising deposit costs and weak non-interest income growth have pressured revenues. The bank is well-capitalized with a conservative dividend payout, but its current valuation suggests limited upside for long-term investors. Read the full article on Seeking Alpha
Analysis Article • Oct 31

The German American Bancorp, Inc. (NASDAQ:GABC) Third-Quarter Results Are Out And Analysts Have Published New Forecasts

It's been a good week for German American Bancorp, Inc. ( NASDAQ:GABC ) shareholders, because the company has just...
Analysis Article • Apr 28

German American Bancorp (NASDAQ:GABC) Is Paying Out A Larger Dividend Than Last Year

German American Bancorp, Inc.'s ( NASDAQ:GABC ) dividend will be increasing from last year's payment of the same period...

Shareholder Returns

GABCUS BanksUS Market
7D-0.5%-0.7%-1.0%
1Y21.6%17.9%14.1%

Return vs Industry: GABC exceeded the US Banks industry which returned 17.9% over the past year.

Return vs Market: GABC exceeded the US Market which returned 14.1% over the past year.

Price Volatility

Is GABC's price volatile compared to industry and market?
GABC volatility
GABC Average Weekly Movement2.7%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

Stable Share Price: GABC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: GABC's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1910984D. Daubygermanamerican.com

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.

German American Bancorp, Inc. Fundamentals Summary

How do German American Bancorp's earnings and revenue compare to its market cap?
GABC fundamental statistics
Market capUS$1.87b
Earnings (TTM)US$142.08m
Revenue (TTM)US$379.75m
13.2x
P/E Ratio
1.5x
P/B Ratio

Is GABC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GABC income statement (TTM)
RevenueUS$379.75m
Cost of RevenueUS$0
Gross ProfitUS$379.75m
Other ExpensesUS$237.67m
EarningsUS$142.08m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)3.78
Gross Margin100.00%
Net Profit Margin37.41%
Debt/Equity Ratio14.1%

How did GABC perform over the long term?

See historical performance and comparison

Dividends

2.5%
Current Dividend Yield
32%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/13 03:23
End of Day Share Price 2026/09/11 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

German American Bancorp, Inc. is covered by 10 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen GeyenD.A. Davidson & Co.
Brendan NosalHovde Group, LLC
Damon DelMonteKeefe, Bruyette, & Woods