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GABC Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
42.052
Open
41.050
VWAP
41.45
Vol
163.91K
Mkt Cap
1.55B
Low
40.985
Amount
6.79M
EV/EBITDA(TTM)
10.50
Total Shares
37.58M
EV
1.67B
EV/OCF(TTM)
18.67
P/S(TTM)
4.71
German American Bancorp, Inc. is a financial holding company. The Company, through its banking subsidiary German American Bank, operates around 94 banking offices located throughout Indiana (central/southern), Kentucky (northern/central/western), and Ohio (central/ southwest). In Columbus, Ohio and Greater Cincinnati, the Company does business as Heartland Bank. Its segments include core banking, wealth management services, and insurance operations. The core banking segment involves deposits from the public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans. The wealth management segment’s revenues are composed primarily of fees generated by the wealth advisory and trust operations. The insurance segment offers a range of personal and corporate property and casualty insurance products. The Company also owns an investment brokerage subsidiary, German American Investment Services, Inc.
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Events Timeline

(ET)
2026-01-26
17:00:00
Company Increases Quarterly Cash Dividend by 7% to 31 Cents
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2026-01-26
16:50:00
German American Bank Q4 Net Charge-Offs Drop to $588,000
select
2025-10-27 (ET)
2025-10-27
16:47:37
German American Bancorp Announces Q3 EPS of 94 Cents, Exceeding Consensus Estimate of 87 Cents
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2025-07-28 (ET)
2025-07-28
16:54:37
German American Bancorp reports Q2 adjusted EPS 79c, consensus 82c
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News

seekingalpha
4.0
03-20seekingalpha
German American Bancorp Upgraded to Overweight by Piper Sandler
  • Rating Upgrade: Piper Sandler upgraded German American Bancorp (GABC) from Neutral to Overweight, primarily due to its discounted valuation, superior profitability, and potential upside in earnings per share (EPS), indicating increased market confidence in the stock.
  • Stock Performance: During Friday afternoon trading, GABC shares rose by 2.41% to $40.78, reflecting a positive investor reaction to the upgrade, which may drive further short-term gains.
  • Valuation Comparison: Analyst Nathan Race noted that GABC currently trades at 10.3x and 9.7x for 2026E and 2027E EPS, respectively, compared to peers at 9.7x and 9.2x, highlighting its relative value attractiveness.
  • Price Target Maintained: Piper Sandler maintains a price target of $47 for GABC, based on an 11.5x forward P/E for 2027E, which aligns with GABC's historical premium over peers, indicating strong future growth potential.
Businesswire
9.5
02-10Businesswire
German American Bank Ranked Top 10 in Forbes America's Best Banks 2026
  • Top 10 National Ranking: German American Bank has once again been ranked in the top 10 of Forbes' 2026 America's Best Banks list, being the highest-ranked bank serving Indiana, Kentucky, and Ohio, showcasing its exceptional performance in a competitive financial landscape.
  • Rigorous Evaluation Criteria: The bank's ranking is based on 11 equally-weighted metrics measuring growth, credit quality, and profitability for the 12 months ending September 30, 2025, indicating its strong performance across multiple financial dimensions.
  • Community-First Strategy: Neil Dauby, Chairman and CEO, emphasized that their community-first banking model differentiates them from competitors and drives strong performance, reflecting their commitment to customer service and quality.
  • Extensive Business Network: The bank operates 94 banking offices across Indiana, Kentucky, and Ohio, and provides services through its subsidiary Heartland Bank in Columbus and Greater Cincinnati, further enhancing its market reach and customer base.
Newsfilter
9.5
02-10Newsfilter
German American Bank Ranked Top 10 in Forbes America's Best Banks 2026
  • Top 10 Ranking: German American Bank has once again been recognized as a top 10 bank in the nation on Forbes' 2026 America's Best Banks list, being the highest-ranked bank serving Indiana, Kentucky, and Ohio, which highlights its exceptional performance in community banking.
  • Evaluation Metrics: The ranking was based on 11 equally-weighted metrics assessing growth, credit quality, and profitability for the 12 months ending September 30, 2025, as well as stock performance through January 23, 2025, indicating the bank's robust financial health.
  • Community-First Strategy: Neil Dauby, Chairman and CEO, emphasized that their community-first banking model differentiates them from competitors and drives strong performance, reflecting the dedication and commitment of their team.
  • Extensive Coverage: The bank operates 94 banking offices across Indiana, Kentucky, and Ohio, and serves the Columbus and Greater Cincinnati areas under the Heartland Bank brand, further solidifying its market presence.
seekingalpha
9.5
01-27seekingalpha
German American Bancorp Reports Strong Q4 Earnings
  • Earnings Performance: German American Bancorp reported a Q4 non-GAAP EPS of $0.96, indicating sustained growth in profitability that enhances investor confidence.
  • Revenue and Asset Returns: The company achieved $95.99 million in revenue for Q4, with a return on average assets (ROAA) of 1.67%, demonstrating effective asset management and profitability, likely attracting more investor interest.
  • Loan Growth and Credit Quality: The annualized loan growth rate reached 7%, while the annualized net charge-off rate was only 0.04%, reflecting the company's robustness in credit management, which enhances its competitive position in the market.
  • Sustained Shareholder Returns: The company achieved its 21st consecutive year of double-digit return on average shareholder equity, with a sustainable net interest margin of 4.13%, which not only boosts shareholder trust but also lays a solid foundation for future capital investments.
NASDAQ.COM
9.5
01-27NASDAQ.COM
German American Bancorp Reports Strong Q4 Earnings Growth
  • Earnings Beat Expectations: German American Bancorp reported a net income of $35.68 million for Q4, translating to $0.95 per share, which marks a significant increase from last year's $23.21 million and $0.78 per share, indicating robust profitability growth.
  • Strong Adjusted Earnings: Excluding special items, the adjusted earnings reached $35.90 million or $0.96 per share, surpassing analysts' expectations of $0.87 per share, showcasing the company's success in cost management and operational efficiency.
  • Significant Revenue Growth: The company's revenue surged by 47.4% to $96.00 million compared to $65.14 million last year, reflecting strong market demand and effective business expansion strategies.
  • Increased Market Confidence: With earnings and revenue exceeding market expectations, German American Bancorp's financial performance is likely to bolster investor confidence, potentially driving stock price appreciation and enhancing the company's competitive position in the financial market.
Businesswire
9.5
01-26Businesswire
German American Bancorp Reports Record Earnings for Q4 2025
  • Quarterly Earnings Growth: German American Bancorp reported net income of $35.7 million for Q4 2025, or $0.95 per share, reflecting a 1% increase from Q3, indicating sustained profitability and likely boosting shareholder confidence.
  • Annual Performance Improvement: The company achieved an annual net income of $112.6 million, or $3.06 per share, an 8% increase from 2024, showcasing robust market performance and growth potential, enhancing future investment appeal.
  • Dividend Increase: The Board declared a 7% increase in the quarterly cash dividend to $0.31 per share, payable on February 20, 2026, demonstrating a commitment to shareholder returns and reflecting strong cash flow and profitability.
  • Asset Growth: As of December 31, 2025, total assets reached $8.389 billion, a 21.9% increase from 2024, primarily driven by the Heartland acquisition, indicating a proactive strategy to expand market share and enhance competitiveness.
Wall Street analysts forecast GABC stock price to rise
1 Analyst Rating
Wall Street analysts forecast GABC stock price to rise
0 Buy
1 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
44.00
Averages
44.00
High
44.00
Current: 0.000
sliders
Low
44.00
Averages
44.00
High
44.00
Piper Sandler
Nathan Race
Neutral -> Overweight
upgrade
$47
AI Analysis
2026-03-20
New
Reason
Piper Sandler
Nathan Race
Price Target
$47
AI Analysis
2026-03-20
New
upgrade
Neutral -> Overweight
Reason
Piper Sandler analyst Nathan Race upgraded German American Bancorp to Overweight from Neutral with an unchanged price target of $47. The firm cites the stock's "relatively discounted valuation" compared to its historical average for the upgrade. German American also offers a "well-above average" profitability outlook that has upside potential given a number of company-specific catalysts, the analyst tells investors in a research note.
Piper Sandler
Nathan Race
Neutral
maintain
$44 -> $47
2026-01-29
Reason
Piper Sandler
Nathan Race
Price Target
$44 -> $47
2026-01-29
maintain
Neutral
Reason
Piper Sandler analyst Nathan Race raised the firm's price target on German American Bancorp to $47 from $44 and keeps a Neutral rating on the shares. The firm says the company again generated impressive results in Q4 given 5% PPNR upside via stronger net interest income with net interest margin expansion and solid balance sheet growth. NPLs ticked up off a low base; however, Piper expects credit quality to remain a non-issue.
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Valuation Metrics

The current forward P/E ratio for German American Bancorp Inc (GABC.O) is 10.71, compared to its 5-year average forward P/E of 12.31. For a more detailed relative valuation and DCF analysis to assess German American Bancorp Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
12.31
Current PE
10.71
Overvalued PE
13.67
Undervalued PE
10.95

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.98
Current PS
3.82
Overvalued PS
4.42
Undervalued PS
3.54

Financials

AI Analysis
Annual
Quarterly

Whales Holding GABC

T
Timucuan Asset Management Inc
Holding
GABC
-9.76%
3M Return

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Frequently Asked Questions

What is German American Bancorp Inc (GABC) stock price today?

The current price of GABC is 41.32 USD — it has decreased -0.51

What is German American Bancorp Inc (GABC)'s business?

German American Bancorp, Inc. is a financial holding company. The Company, through its banking subsidiary German American Bank, operates around 94 banking offices located throughout Indiana (central/southern), Kentucky (northern/central/western), and Ohio (central/ southwest). In Columbus, Ohio and Greater Cincinnati, the Company does business as Heartland Bank. Its segments include core banking, wealth management services, and insurance operations. The core banking segment involves deposits from the public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans. The wealth management segment’s revenues are composed primarily of fees generated by the wealth advisory and trust operations. The insurance segment offers a range of personal and corporate property and casualty insurance products. The Company also owns an investment brokerage subsidiary, German American Investment Services, Inc.

What is the price predicton of GABC Stock?

Wall Street analysts forecast GABC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for GABC is44.00 USD with a low forecast of 44.00 USD and a high forecast of 44.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is German American Bancorp Inc (GABC)'s revenue for the last quarter?

German American Bancorp Inc revenue for the last quarter amounts to 87.96M USD, increased 48.79

What is German American Bancorp Inc (GABC)'s earnings per share (EPS) for the last quarter?

German American Bancorp Inc. EPS for the last quarter amounts to 0.95 USD, increased 21.79

How many employees does German American Bancorp Inc (GABC). have?

German American Bancorp Inc (GABC) has 984 emplpoyees as of March 25 2026.

What is German American Bancorp Inc (GABC) market cap?

Today GABC has the market capitalization of 1.55B USD.