GERMAN AMERICAN BANCORP (GABC) Stock Fundamental Analysis

NASDAQ:GABC • US3738651047

41.99 USD
-1.68 (-3.85%)
At close: Feb 23, 2026
41.99 USD
0 (0%)
After Hours: 2/23/2026, 4:30:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall GABC gets a fundamental rating of 4 out of 10. We evaluated GABC against 379 industry peers in the Banks industry. While GABC seems to be doing ok healthwise, there are quite some concerns on its profitability. GABC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year GABC was profitable.
  • GABC had a positive operating cash flow in the past year.
  • Each year in the past 5 years GABC has been profitable.
  • Of the past 5 years GABC 4 years had a positive operating cash flow.
GABC Yearly Net Income VS EBIT VS OCF VS FCFGABC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

1.2 Ratios

  • GABC has a better Return On Assets (1.19%) than 74.67% of its industry peers.
  • GABC has a Return On Equity of 8.95%. This is comparable to the rest of the industry: GABC outperforms 50.92% of its industry peers.
Industry RankSector Rank
ROA 1.19%
ROE 8.95%
ROIC N/A
ROA(3y)1.36%
ROA(5y)1.38%
ROE(3y)11.45%
ROE(5y)12.32%
ROIC(3y)N/A
ROIC(5y)N/A
GABC Yearly ROA, ROE, ROICGABC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 30.30%, GABC is in the better half of the industry, outperforming 78.36% of the companies in the same industry.
  • GABC's Profit Margin has been stable in the last couple of years.
  • GABC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 30.3%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.36%
PM growth 5Y0.99%
GM growth 3YN/A
GM growth 5YN/A
GABC Yearly Profit, Operating, Gross MarginsGABC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • GABC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, GABC has more shares outstanding
  • Compared to 5 years ago, GABC has more shares outstanding
  • There is no outstanding debt for GABC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
GABC Yearly Shares OutstandingGABC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
GABC Yearly Total Debt VS Total AssetsGABC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of GABC is 0.02, which is an excellent value as it means it would take GABC, only 0.02 years of fcf income to pay off all of its debts.
  • GABC has a better Debt to FCF ratio (0.02) than 89.45% of its industry peers.
  • A Debt/Equity ratio of 0.00 indicates that GABC is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.00, GABC belongs to the best of the industry, outperforming 87.60% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Altman-Z N/A
ROIC/WACCN/A
WACC12.28%
GABC Yearly LT Debt VS Equity VS FCFGABC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GABC Yearly Current Assets VS Current LiabilitesGABC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.62% over the past year.
  • The Earnings Per Share has been growing by 8.48% on average over the past years. This is quite good.
  • The Revenue has grown by 42.72% in the past year. This is a very strong growth!
  • GABC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.50% yearly.
EPS 1Y (TTM)25.62%
EPS 3Y2.9%
EPS 5Y8.48%
EPS Q2Q%23.08%
Revenue 1Y (TTM)42.72%
Revenue growth 3Y11.65%
Revenue growth 5Y11.5%
Sales Q2Q%47.35%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.25% on average over the next years.
  • GABC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.05% yearly.
EPS Next Y8.83%
EPS Next 2Y7.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.22%
Revenue Next 2Y6.05%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GABC Yearly Revenue VS EstimatesGABC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
GABC Yearly EPS VS EstimatesGABC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.90 indicates a reasonable valuation of GABC.
  • The rest of the industry has a similar Price/Earnings ratio as GABC.
  • When comparing the Price/Earnings ratio of GABC to the average of the S&P500 Index (26.99), we can say GABC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.93, the valuation of GABC can be described as very reasonable.
  • GABC's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.02, GABC is valued rather cheaply.
Industry RankSector Rank
PE 11.9
Fwd PE 10.93
GABC Price Earnings VS Forward Price EarningsGABC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, GABC is valued a bit cheaper than 62.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.17
EV/EBITDA N/A
GABC Per share dataGABC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • GABC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.35
PEG (5Y)1.4
EPS Next 2Y7.25%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • GABC has a Yearly Dividend Yield of 2.88%.
  • GABC's Dividend Yield is comparable with the industry average which is at 2.74.
  • GABC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.88%

5.2 History

  • The dividend of GABC is nicely growing with an annual growth rate of 9.56%!
  • GABC has paid a dividend for at least 10 years, which is a reliable track record.
  • GABC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.56%
Div Incr Years12
Div Non Decr Years22
GABC Yearly Dividends per shareGABC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • GABC pays out 40.35% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of GABC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.35%
EPS Next 2Y7.25%
EPS Next 3YN/A
GABC Yearly Income VS Free CF VS DividendGABC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
GABC Dividend Payout.GABC Dividend Payout, showing the Payout Ratio.GABC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

GERMAN AMERICAN BANCORP

NASDAQ:GABC (2/23/2026, 4:30:00 PM)

After market: 41.99 0 (0%)

41.99

-1.68 (-3.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners51.85%
Inst Owner Change2.89%
Ins Owners2.19%
Ins Owner Change0.11%
Market Cap1.57B
Revenue(TTM)361.44M
Net Income(TTM)100.16M
Analysts80
Price Target47.94 (14.17%)
Short Float %3.33%
Short Ratio8.46
Dividend
Industry RankSector Rank
Dividend Yield 2.88%
Yearly Dividend1.07
Dividend Growth(5Y)9.56%
DP40.35%
Div Incr Years12
Div Non Decr Years22
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.79%
Min EPS beat(2)2.32%
Max EPS beat(2)3.26%
EPS beat(4)4
Avg EPS beat(4)7.94%
Min EPS beat(4)2.32%
Max EPS beat(4)17.2%
EPS beat(8)6
Avg EPS beat(8)5.23%
EPS beat(12)8
Avg EPS beat(12)3.14%
EPS beat(16)10
Avg EPS beat(16)3.57%
Revenue beat(2)0
Avg Revenue beat(2)-1.19%
Min Revenue beat(2)-2.29%
Max Revenue beat(2)-0.1%
Revenue beat(4)1
Avg Revenue beat(4)-0.58%
Min Revenue beat(4)-2.29%
Max Revenue beat(4)0.32%
Revenue beat(8)2
Avg Revenue beat(8)-1.63%
Revenue beat(12)2
Avg Revenue beat(12)-4.39%
Revenue beat(16)4
Avg Revenue beat(16)-3.57%
PT rev (1m)2.17%
PT rev (3m)2.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.18%
EPS NY rev (1m)2.72%
EPS NY rev (3m)2.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.87%
Revenue NY rev (3m)1.87%
Valuation
Industry RankSector Rank
PE 11.9
Fwd PE 10.93
P/S 4.76
P/FCF 11.17
P/OCF 10.83
P/B 1.41
P/tB 2.22
EV/EBITDA N/A
EPS(TTM)3.53
EY8.41%
EPS(NY)3.84
Fwd EY9.15%
FCF(TTM)3.76
FCFY8.96%
OCF(TTM)3.88
OCFY9.23%
SpS8.82
BVpS29.86
TBVpS18.88
PEG (NY)1.35
PEG (5Y)1.4
Graham Number48.7
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 8.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.3%
GM N/A
FCFM 42.66%
ROA(3y)1.36%
ROA(5y)1.38%
ROE(3y)11.45%
ROE(5y)12.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.36%
PM growth 5Y0.99%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.02
Debt/EBITDA N/A
Cap/Depr 26.94%
Cap/Sales 1.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 140.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC12.28%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.62%
EPS 3Y2.9%
EPS 5Y8.48%
EPS Q2Q%23.08%
EPS Next Y8.83%
EPS Next 2Y7.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)42.72%
Revenue growth 3Y11.65%
Revenue growth 5Y11.5%
Sales Q2Q%47.35%
Revenue Next Year8.22%
Revenue Next 2Y6.05%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y53.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y50.45%
OCF growth 3YN/A
OCF growth 5YN/A

GERMAN AMERICAN BANCORP / GABC FAQ

What is the fundamental rating for GABC stock?

ChartMill assigns a fundamental rating of 4 / 10 to GABC.


What is the valuation status of GERMAN AMERICAN BANCORP (GABC) stock?

ChartMill assigns a valuation rating of 5 / 10 to GERMAN AMERICAN BANCORP (GABC). This can be considered as Fairly Valued.


What is the profitability of GABC stock?

GERMAN AMERICAN BANCORP (GABC) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for GABC stock?

The Price/Earnings (PE) ratio for GERMAN AMERICAN BANCORP (GABC) is 11.9 and the Price/Book (PB) ratio is 1.41.


What is the financial health of GERMAN AMERICAN BANCORP (GABC) stock?

The financial health rating of GERMAN AMERICAN BANCORP (GABC) is 4 / 10.