GABC Stock Analysis: German American Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.819m USD | 12M Return: 25.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.43M
EPS Trend: 10.7%
Qual. Beats: 0
Rev. Trend: 88.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
German American Bancorp, Inc. (NASDAQ: GABC) is a financial holding company headquartered in Jasper, Indiana, that operates its banking subsidiary, German American Bank. Founded in 1910, the company conducts business through two segments: Core Banking, which handles deposit gathering and a range of lending activities including consumer, commercial, agricultural, real estate, and residential mortgage loans; and Wealth Management, which delivers trust, investment advisory, brokerage, and retirement planning services.
As a regional bank, GABC concentrates its operations within a defined Midwestern footprint, serving both retail and commercial customers. Its mix of traditional lending and fee-based wealth management services provides diversified revenue streams typical of community-oriented banking institutions.
- Net interest margin expansion as Fed holds rates steady
- Agricultural loan demand grows across Indiana farm belt
- Wealth Management fees rise on equity market gains
| Net Income: 135.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.58 > 1.0 |
| NWC/Revenue: -1.39k% < 20% (prev -1.74k%; Δ 352.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 158.4m > Net Income 135.3m |
| Net Debt (100.8m) to EBITDA (196.5m): 0.51 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (37.5m) vs 12m ago 8.18% < -2% |
| Gross Margin: 74.10% > 18% (prev 63.78%; Δ 10.33% > 0.5%) |
| Asset Turnover: 5.94% > 50% (prev 4.07%; Δ 1.88% > 0%) |
| Interest Coverage Ratio: 1.37 > 6 (EBIT TTM 168.4m / Interest Expense TTM 123.2m) |
| A: -0.83 (Total Current Assets 113.6m - Total Current Liabilities 7.03b) / Total Assets 8.38b |
| B: 0.07 (Retained Earnings 604.5m / Total Assets 8.38b) |
| C: 0.02 (EBIT TTM 168.4m / Avg Total Assets 8.40b) |
| D: 0.16 (Book Value of Equity 1.17b / Total Liabilities 7.21b) |
| Altman-Z'' = -4.87 = D |
As of July 28, 2026, the stock is trading at USD 48.83 with a total of 145,961 shares traded. Over the past week, the price has changed by +0.76%, over one month by +3.74%, over three months by +11.94% and over the past year by +25.14%.
Current recommended Stop Loss: 47.50 (which is 2.7% or 1.2 ATR below the current price).
German American Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy GABC.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 50.2 | 2.8% |
P/E Trailing = 13.3049
P/E Forward = 12.837
P/S = 4.9171
P/B = 1.5498
P/EG = 1.4557
Revenue TTM = 499.3m USD
EBIT TTM = 168.4m USD
EBITDA TTM = 196.5m USD
Long Term Debt = 138.9m USD (from longTermDebt, last quarter)
Short Term Debt = 32.4m USD (from shortTermDebt, last quarter)
Debt = 176.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.14m
Net Debt = 100.8m USD (calculated: Debt 176.8m - CCE 76.0m)
Enterprise Value = 1.92b USD (1.82b + Debt 176.8m - CCE 76.0m)
Interest Coverage Ratio = 1.37 (Ebit TTM 168.4m / Interest Expense TTM 123.2m)
EV/FCF = 12.52x (Enterprise Value 1.92b / FCF TTM 153.3m)
FCF Yield = 7.98% (FCF TTM 153.3m / Enterprise Value 1.92b)
FCF Margin = 30.71% (FCF TTM 153.3m / Revenue TTM 499.3m)
Net Margin = 27.09% (Net Income TTM 135.3m / Revenue TTM 499.3m)
Gross Margin = 74.10% ((Revenue TTM 499.3m - Cost of Revenue TTM 129.3m) / Revenue TTM)
Gross Margin QoQ = 76.53% (prev 74.03%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.92b / Total Assets 8.38b)
Interest Expense / Debt = 69.67% (Interest Expense 123.2m / Debt 176.8m)
Taxrate = 19.70% (33.2m / 168.4m)
NOPAT = 135.3m (EBIT 168.4m * (1 - 19.70%))
Current Ratio = 0.02 (Total Current Assets 113.6m / Total Current Liabilities 7.03b)
Debt / Equity = 0.15 (Debt 176.8m / totalStockholderEquity, last quarter 1.17b)
Debt / EBITDA = 0.51 (Net Debt 100.8m / EBITDA 196.5m)
Debt / FCF = 0.66 (Net Debt 100.8m / FCF TTM 153.3m)
Total Stockholder Equity = 1.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.61% (Net Income 135.3m / Total Assets 8.38b)
RoE = 11.95% (Net Income TTM 135.3m / Total Stockholder Equity 1.13b)
RoCE = 13.26% (EBIT 168.4m / Capital Employed (Equity 1.13b + L.T.Debt 138.9m))
RoIC = 1.62% (NOPAT 135.3m / Invested Capital 8.36b)
WACC = 7.05% (E(1.82b)/V(2.00b) * Re(7.74%) + (debt cost/tax rate unavailable))
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 92.39 | Cagr: 11.15%
[DCF] Terminal Value 77.97% ; FCFF base≈133.9m ; Y1≈153.5m ; Y5≈225.9m
[DCF] Fair Price = 87.81 (EV 3.40b - Net Debt 100.8m = Equity 3.30b / Shares 37.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 10.75 | EPS CAGR: 1.11% | SUE: 0.0 | # QB: 0
Revenue Correlation: 88.10 | Revenue CAGR: 21.37% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.92 | Chg30d=-0.29% | Revisions=+0% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.96 | Chg30d=-0.83% | Revisions=-12% | Analysts=6
EPS current Year (2026-12-31): EPS=3.74 | Chg30d=-0.43% | Revisions=-12% | GrowthEPS=+6.3% | GrowthRev=+9.2%
EPS next Year (2027-12-31): EPS=3.97 | Chg30d=-0.36% | Revisions=-12% | GrowthEPS=+6.2% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: -14% (up=8, down=11)