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German American Bancorp Inc

GABC

39.490USD

-0.030-0.08%

Close 11/11, 16:00（ET）Quotes delayed by 15 min

1.48BMarket Cap

14.78P/E TTM



German American Bancorp Inc

39.490

-0.030-0.08%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of German American Bancorp Inc

Currency: USD Updated: 2025-11-11

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

German American Bancorp Inc's Score

Industry at a Glance

Industry Ranking

131 / 407

Overall Ranking

204 / 4608

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 6 analysts

Buy

Current Rating

46.000

Target Price

+16.40%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

German American Bancorp Inc Highlights

StrengthsRisks

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.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 38.00%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 38.00%.

Undervalued

The company’s latest PB is 1.32, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 18.89M shares, decreasing 1.76% quarter-over-quarter.

Held by Chuck Royce

Star Investor Chuck Royce holds 456.47K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.16.

Financial Health

Currency: USD Updated: 2025-11-11

The company's current financial score is 6.01, which is lower than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 84.71M, representing a year-over-year increase of 51.06%, while its net profit experienced a year-over-year increase of 66.64%.

Score

Industry at a Glance

Previous score

6.01

Change



Financials

8.78

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.96

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.86

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

10.00

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.47

Key Metrics

Free cash flow

No Data

German American Bancorp Inc's Company Valuation

Currency: USD Updated: 2025-11-11

The company’s current valuation score is 7.01, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 13.68, which is 22.86% below the recent high of 16.81 and 39.19% above the recent low of 8.32.

Score

Industry at a Glance

Previous score

7.01

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 131/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-11

The company’s current earnings forecast score is 7.33, which is lower than the Banking Services industry's average of 7.41. The average price target for German American Bancorp Inc is 45.00, with a high of 52.00 and a low of 44.00.

Score

Industry at a Glance

Previous score

7.33

Change

Support & Resistance

No Data

Analyst Rating

Based on 6 analysts

Buy

Current Rating

46.000

Target Price

+16.40%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

German American Bancorp Inc

GABC

Wells Fargo & Co

WFC

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-11

The company’s current price momentum score is 7.09, which is lower than the Banking Services industry's average of 7.87. Sideways: Currently, the stock price is trading between the resistance level at 41.02 and the support level at 37.68, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.96

Change

0.13

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.224

Neutral

RSI(14)

52.100

Neutral

STOCH(KDJ)(9,3,3)

65.965

Buy

ATR(14)

0.864

High Vlolatility

CCI(14)

48.195

Neutral

Williams %R

47.081

Neutral

TRIX(12,20)

0.023

Sell

StochRSI(14)

10.632

Sell

Moving Average

Sell(3)

Neutral(0)

Buy(3)

Indicators

Value

Direction

MA5

39.582

Sell

MA10

39.216

Buy

MA20

39.051

Buy

MA50

39.620

Sell

MA100

39.778

Sell

MA200

39.076

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-11

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 50.41%, representing a quarter-over-quarter decrease of 6.86%. The largest institutional shareholder is The Vanguard, holding a total of 2.18M shares, representing 5.83% of shares outstanding, with 0.82% decrease in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

2.33M

+6.94%

The Vanguard Group, Inc.

Star Investors

2.32M

+10.71%

Franklin Mutual Advisers, LLC

1.77M

+0.32%

Charles Schwab Investment Management, Inc.

1.37M

+23.58%

Champlain Investment Partners, LLC

1.30M

+11.55%

Dimensional Fund Advisors, L.P.

1.18M

+1.58%

Geode Capital Management, L.L.C.

952.80K

+14.09%

State Street Investment Management (US)

853.38K

+11.06%

Seger (Thomas W)

679.67K

+0.18%

German American Bancorp Inc

590.22K

+10.17%

Risk Assessment

Currency: USD Updated: 2025-11-11

The company’s current risk assessment score is 8.77, which is higher than the Banking Services industry's average of 6.61. The company's beta value is 0.65. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.