42.07 USD
+0.52 (+1.25%)
At close: Jan 30, 2026
42.07 USD
0 (0%)
After Hours: 1/30/2026, 8:00:01 PM
GABC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. The financial health of GABC is average, but there are quite some concerns on its profitability. GABC has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- GABC had positive earnings in the past year.
- GABC had a positive operating cash flow in the past year.
- Of the past 5 years GABC 4 years were profitable.
- Of the past 5 years GABC 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.19%, GABC is in the better half of the industry, outperforming 75.98% of the companies in the same industry.
- GABC's Return On Equity of 8.95% is in line compared to the rest of the industry. GABC outperforms 50.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.19% | ||
| ROE | 8.95% | ||
| ROIC | N/A |
ROA(3y)1.35%
ROA(5y)1.36%
ROE(3y)13.1%
ROE(5y)12.37%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 30.30%, GABC is in the better half of the industry, outperforming 79.90% of the companies in the same industry.
- GABC's Profit Margin has been stable in the last couple of years.
- The Operating Margin and Gross Margin are not available for GABC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.3% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.65%
PM growth 5Y1.29%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- GABC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- GABC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 89.30% of its industry peers.
- GABC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.00, GABC belongs to the top of the industry, outperforming 87.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 25.62% over the past year.
- GABC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.48% yearly.
EPS 1Y (TTM)25.62%
EPS 3Y2.9%
EPS 5Y8.48%
EPS Q2Q%23.08%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%47.35%
3.2 Future
- Based on estimates for the next years, GABC will show a small growth in Earnings Per Share. The EPS will grow by 6.19% on average per year.
- GABC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.69% yearly.
EPS Next Y5.95%
EPS Next 2Y6.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.23%
Revenue Next 2Y5.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.92 indicates a reasonable valuation of GABC.
- GABC's Price/Earnings ratio is a bit cheaper when compared to the industry. GABC is cheaper than 60.84% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.32, GABC is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.25, the valuation of GABC can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as GABC.
- When comparing the Price/Forward Earnings ratio of GABC to the average of the S&P500 Index (25.57), we can say GABC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 11.25 |
4.2 Price Multiples
- 60.31% of the companies in the same industry are more expensive than GABC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2
PEG (5Y)1.41
EPS Next 2Y6.19%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- GABC has a Yearly Dividend Yield of 2.98%. Purely for dividend investing, there may be better candidates out there.
- GABC's Dividend Yield is comparable with the industry average which is at 2.67.
- Compared to an average S&P500 Dividend Yield of 1.83, GABC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
5.2 History
- The dividend of GABC is nicely growing with an annual growth rate of 9.56%!
- GABC has been paying a dividend for at least 10 years, so it has 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
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.
- GABC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.35%
EPS Next 2Y6.19%
EPS Next 3YN/A
GERMAN AMERICAN BANCORP / GABC FAQ
What is the fundamental rating for GABC stock?
ChartMill assigns a fundamental rating of 5 / 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 4 / 10.
Can you provide the PE and PB ratios for GABC stock?
The Price/Earnings (PE) ratio for GERMAN AMERICAN BANCORP (GABC) is 11.92 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.