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GABC stock logo

GABC

German American Bancorp, Inc.

$42.63
0.35
 (0.83%)
Exchange:  NASDAQ
Market Cap:  1.602B
Shares Outstanding:  5.371M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  D. Neil Dauby
Full Time Employees:  1020
Address: 
711 Main Street
Jasper
IN
47546
US
Website:  https://www.germanamerican.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue316,917315,380487,401
Gross Profit248,144212,153342,019
EBITDA113,057113,376140,070
Operating Income103,647104,099140,070
Net Income85,88883,811112,635

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets6,152,1986,295,91015,615,235
Total Liabilities5,488,6405,580,8437,226,455
Total Stockholders Equity663,558715,0671,162,325
Total Debt193,937210,131182,683
Cash and Cash Equivalents79,30569,74971,428

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow107,23495,6962,025
Capital Expenditure-5,745-5,0470
Free Cash Flow101,48990,7172,025
Net Income85,88883,811112,635
Net Change in Cash-2,05173,462-70,410

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)410,766.842Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)417,722.157Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)414,244.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)154,614.464Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)157,232.475Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)155,923.469Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)144,682.116Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)149,099.885Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)146,891.001Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)121,483.806Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)123,540.833Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)122,512.320Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.990Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)4.050Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.930Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
353.052M  ?P/S
 (TTM)
: 
3.4
?Net Income
 (TTM)
: 
83.811M  ?P/E
 (TTM)
: 
14.69
?Enterprise Value
 (TTM)
: 
1.769B  ?EV/FCF
 (TTM)
: 
11.49
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.38
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.08
?Net Debt
 (TTM)
: 
145.366M  ?Debt/Equity
 (TTM)
: 
0.16
?P/B
 (TTM)
: 
1.42  ?Current Ratio
 (TTM)
: 
0.18

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.34Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates GABC intrinsic value between $39.12 – $45.01 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate GABC Intrinsic Value

Common questions about GABC valuation

Is German American Bancorp, Inc. (GABC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for German American Bancorp, Inc. (GABC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is GABC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GABC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is GABC’s P/E ratio?

You can see GABC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for GABC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is GABC a good long-term investment?

Whether GABC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

GABC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.83
MARKETSnap

Trading Metrics:

Open: 41.76   Previous Close: 42.28
Day Low: 41.73   Day High: 42.68
Year Low: 32.75   Year High: 45
Price Avg 50: 41.79   Price Avg 200: 40.26
Volume: 128639   Average Volume: 163040

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See in Nexus

Relevant news

German American Bancorp (GABC) Could Be a Great Choice
01-04-2026 12:46
German American Bancorp (GABC) Could Be a Great Choice
Are You Looking for a High-Growth Dividend Stock?
16-03-2026 12:46
Are You Looking for a High-Growth Dividend Stock?
Why German American Bancorp (GABC) is a Great Dividend Stock Right Now
27-02-2026 12:46
Why German American Bancorp (GABC) is a Great Dividend Stock Right Now
Why German American Bancorp (GABC) is a Top Dividend Stock for Your Portfolio
11-02-2026 12:45
Why German American Bancorp (GABC) is a Top Dividend Stock for Your Portfolio
Compared to Estimates, German American Bancorp (GABC) Q4 Earnings: A Look at Key Metrics
26-01-2026 20:00
Compared to Estimates, German American Bancorp (GABC) Q4 Earnings: A Look at Key Metrics
German American Bancorp, Inc. (GABC) Reports Record Fourth Quarter and Strong Annual 2025 Earnings; Declares 7% Cash Dividend Increase
26-01-2026 16:45
German American Bancorp, Inc. (GABC) Reports Record Fourth Quarter and Strong Annual 2025 Earnings; Declares 7% Cash Dividend Increase

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