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German American Bancorp, Inc. GABC
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 38.99
-0.441 %
$ 1.46 B
Market Cap
13.57
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one GABC stock under the worst case scenario is HIDDEN Compared to the current market price of 39 USD, German American Bancorp, Inc. is HIDDEN

GABC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one GABC stock under the base case scenario is HIDDEN Compared to the current market price of 39 USD, German American Bancorp, Inc. is HIDDEN

GABC Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one GABC stock under the best case scenario is HIDDEN Compared to the current market price of 39 USD, German American Bancorp, Inc. is HIDDEN

GABC Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart GABC

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1M 9%
6M -16%
1Y 20%
3Y 19%
5Y 54%
All
$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
215 M REVENUE
-14.27%
Growth Rates
1Year -14.27%
3Years -0.82%
5Years 2.42%
7Years 7.24%
10Years 8.14%
5.42 M OPERATING INCOME
-95.04%
Growth Rates
1Year -95.04%
3Years -62.50%
5Years -40.26%
7Years 10.81%
10Years 10.38%
83.8 M NET INCOME
-2.42%
Growth Rates
1Year -2.42%
3Years -0.13%
5Years 7.19%
7Years 10.88%
10Years 11.45%
95.7 M OPERATING CASH FLOW
-10.76%
Growth Rates
1Year -10.76%
3Years -1.73%
5Years 7.97%
7Years 8.27%
10Years 10.14%
-82.4 M INVESTING CASH FLOW
-302.33%
Growth Rates
1Year -302.33%
3Years 49.51%
5Years -29.82%
7Years 11.20%
10Years -0.49%
60.1 M FINANCING CASH FLOW
144.01%
Growth Rates
1Year 144.01%
3Years -53.31%
5Years 21.78%
7Years -11.38%
10Years 9.44%
111 M REVENUE
70.47%
Growth Rates
1Year -14.27%
3Years -0.82%
5Years 2.42%
7Years 7.24%
10Years 8.14%
13.3 M OPERATING INCOME
123.58%
Growth Rates
1Year -95.04%
3Years -62.50%
5Years -40.26%
7Years 10.81%
10Years 10.38%
23.2 M NET INCOME
10.28%
Growth Rates
1Year -2.42%
3Years -0.13%
5Years 7.19%
7Years 10.88%
10Years 11.45%
27 M OPERATING CASH FLOW
33.04%
Growth Rates
1Year -10.76%
3Years -1.73%
5Years 7.97%
7Years 8.27%
10Years 10.14%
-91.2 M INVESTING CASH FLOW
35.46%
Growth Rates
1Year -302.33%
3Years 49.51%
5Years -29.82%
7Years 11.20%
10Years -0.49%
55.7 M FINANCING CASH FLOW
534.26%
Growth Rates
1Year 144.01%
3Years -53.31%
5Years 21.78%
7Years -11.38%
10Years 9.44%
Balance Sheet German American Bancorp, Inc.
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Current Assets 1.59 B
Cash & Short-Term Investments 1.59 B
Receivables 0
Other Current Assets 0
Non-Current Assets 287 M
Long-Term Investments 1.06 B
PP&E 104 M
Other Non-Current Assets -872 M
84.68 %56.33 %5.55 %Total Assets$1.9b
Current Liabilities 2.25 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 2.25 B
Non-Current Liabilities 153 M
Long-Term Debt 153 M
Other Non-Current Liabilities 0
93.63 %6.37 %Total Liabilities$2.4b
EFFICIENCY
Earnings Waterfall German American Bancorp, Inc.
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Revenue 215 M
Cost Of Revenue 0
Gross Profit 215 M
Operating Expenses 215 M
Operating Income 5.42 M
Other Expenses -78.4 M
Net Income 83.8 M
250m250m200m200m150m150m100m100m50m50m00215m0215m(215m)5m78m84mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 94.39%
5Years 93.30%
7Years 92.86%
10Years 92.77%
2.52% OPERATING MARGIN
2.52%
Averages
1Year 2.52%
3Years 30.46%
5Years 34.76%
7Years 37.25%
10Years 27.09%
38.99% NET MARGIN
38.99%
Averages
1Year 38.99%
3Years 34.92%
5Years 34.52%
7Years 33.48%
10Years 32.21%
11.72% ROE
11.72%
Averages
1Year 11.72%
3Years 13.11%
5Years 12.37%
7Years 11.76%
10Years 11.61%
1.33% ROA
1.33%
Averages
1Year 1.33%
3Years 1.35%
5Years 1.36%
7Years 1.33%
10Years 1.31%
-1.15% ROIC
-1.15%
Averages
1Year -1.15%
3Years 1.60%
5Years 2.15%
7Years 2.43%
10Years 1.73%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis German American Bancorp, Inc.
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120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 83.8 M
Depreciation & Amortization 9.28 M
Capital Expenditures -5.05 M
Stock-Based Compensation 2.95 M
Change in Working Capital 394 K
Others -339 K
Free Cash Flow 90.7 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets German American Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for GABC of $45.7 , with forecasts ranging from a low of $44 to a high of $48 .
GABC Lowest Price Target Wall Street Target
44 USD 12.85%
GABC Average Price Target Wall Street Target
45.7 USD 17.12%
GABC Highest Price Target Wall Street Target
48 USD 23.11%
Price
Max Price Target
Min Price Target
Average Price Target
4848464644444242404038383636343432323030Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.77% DIVIDEND YIELD
0.29 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.113330.120.126670.150.170.190.210.230.250.270.290.113330.120.130.150.170.190.210.230.250.270.290.113330.120.130.150.170.190.210.230.250.270.113330.450.120.480.130.520.150.600.170.680.190.760.210.840.230.920.251.000.271.080.582015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership German American Bancorp, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
47.9 K USD 6
0-3 MONTHS
19.1 K USD 5
3-6 MONTHS
90.7 K USD 6
6-9 MONTHS
357 K USD 8
9-12 MONTHS
7. News
German American Bancorp (GABC) Reports Q1 Earnings: What Key Metrics Have to Say Although the revenue and EPS for German American Bancorp (GABC) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 weeks ago
German American Bancorp (GABC) Beats Q1 Earnings and Revenue Estimates German American Bancorp (GABC) came out with quarterly earnings of $0.79 per share, beating the Zacks Consensus Estimate of $0.72 per share. This compares to earnings of $0.64 per share a year ago. zacks.com - 3 weeks ago
German American Bancorp, Inc. (GABC) Reports First Quarter 2025 Earnings; Closes on Heartland Merger JASPER, Ind.--(BUSINESS WIRE)--German American Bancorp, Inc. (Nasdaq: GABC) reported first quarter earnings of $10.5 million, or $0.30 per share. The first quarter earnings included the results of Heartland BancCorp ("Heartland"), the parent company of Heartland Bank, which was acquired by German American on February 1, 2025. The first quarter of 2025 included one-time merger and acquisition costs of $5.9 million and "Day 2" provision under the current expected credit loss ("CECL") model for He. businesswire.com - 3 weeks ago
Why German American Bancorp (GABC) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes? zacks.com - 3 weeks ago
German American Bancorp (GABC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes? zacks.com - 1 month ago
German American Bancorp (GABC) Upgraded to Strong Buy: Here's What You Should Know German American Bancorp (GABC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes? zacks.com - 1 month ago
German American Bancorp (GABC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes? zacks.com - 2 months ago
German American Bank Ranked Second in the Nation on Forbes America's Best Banks 2025 List JASPER, Ind.--(BUSINESS WIRE)--German American Bank has been ranked second in the nation on the Forbes America's Best Banks 2025 list and is the highest ranked bank serving Indiana, Kentucky and Ohio. Each year, Forbes evaluates the 200 largest publicly traded banks and thrifts by asset size (German American Bank was 142nd in size) and then ranks the top 100 financial performers. “We are incredibly proud to be ranked the #2 bank in the country on this prestigious Forbes list,” said Neil Dauby,. businesswire.com - 2 months ago
Is the Options Market Predicting a Spike in German American Bancorp (GABC) Stock? Investors need to pay close attention to German American Bancorp (GABC) stock based on the movements in the options market lately. zacks.com - 3 months ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes? zacks.com - 3 months ago
23 Upcoming Dividend Increases, Including 2 Kings Excited to announce dividend hikes for 23 companies, including dividend kings SJW Group and California Water Service Group, with 5% and 7.1% increases. Companies with consistent dividend growth indicate financial health, attracting investors and boosting stock prices, leading to long-term wealth accumulation. Investment strategy focuses on stocks with rising dividends and outperforming benchmarks, using data from U.S. Dividend Champions and NASDAQ. seekingalpha.com - 3 months ago
8. Profile Summary

German American Bancorp, Inc. GABC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.46 B
Dividend Yield 0.77%
Description German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. 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. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
Contact 711 Main Street, Jasper, IN, 47546 https://www.germanamerican.com
IPO Date May 21, 1993
Employees 1020
Officers Mr. C. Adrian Brown Senior Regional President Mr. Brock C. Goggins Senior Vice President of Retail Banking Ms. Vicki L. Schuler Senior Vice President, Controller & Principal Accounting Officer Mr. Bradley M. Rust President, Chief Financial Officer & Treasurer Mr. Michael F. Beckwith Executive Vice President & Chief Banking Officer Ms. Amy D. Jackson Executive Vice President & Chief Administrative Officer Mr. Bradley C. Arnett Executive Vice President, Chief Legal Officer & Corporate Secretary Mr. Clay M. Barrett Executive Vice President and Chief Digital & Information Officer Ms. Terri A. Eckerle Vice President, Executive Admin & Strategic Customer Service Ms. Jane A. Balsmeyer Senior Vice President of Marketing