German American Bancorp, Inc. (GABC)

Price$43.19

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-1.24%

Price vs S&P 500 (4W)-4.28%

VGM Score48.58

Market Capitalization$1.62B

P/E Ratio (Annual)14.35x

Indicated Dividend Yield (Annual)2.84%

All Metrics

P/CF (Annual)10.15x

Book Value / Share (Quarterly)$31.27

P/TBV (Annual)1.30x

Indicated Dividend (Annual)$1.24

Revenue Growth (3Y)7.45%

Cash Flow / Share (Quarterly)$4.08

Payout Ratio (TTM)32.56%

Price vs S&P 500 (YTD)0.65%

Net Profit Margin (TTM)34.75%

EPS (TTM)$3.61

10-Day Avg Trading Volume0.11M

EPS Excl Extra (TTM)$3.61

Revenue Growth (5Y)14.54%

EPS (Annual)$3.06

Dividend / Share (Annual)$1.29

ROI (Annual)9.05%

Net Profit Margin (5Y Avg)32.35%

Cash / Share (Quarterly)$2.44

P/E Basic Excl Extra (TTM)11.95x

Revenue Growth QoQ (YoY)16.13%

EPS Growth (5Y)5.45%

P/E Normalized (Annual)14.35x

ROA (Last FY)1.34%

Revenue Growth TTM (YoY)24.60%

EBITD / Share (TTM)$4.27

ROE (5Y Avg)12.32%

Operating Margin (TTM)42.31%

Cash Flow / Share (Annual)$4.11

P/B Ratio1.38x

P/B Ratio (Quarterly)1.34x

Net Income / Employee (Annual)$114,500

ROA (TTM)1.62%

EPS Growth QoQ (YoY)191.33%

EV / EBITDA (TTM)8.64x

EPS Incl Extra (Annual)$3.06

3-Month Avg Trading Volume0.15M

52-Week Price Return13.97%

EV / Free Cash Flow (Annual)10.51x

P/E Incl Extra (TTM)11.95x

Tangible BV / Share (Quarterly)$30.43

P/S Ratio (Annual)3.33x

52-Week High$45.00

Operating Margin (5Y Avg)39.17%

EPS Excl Extra (Annual)$3.06

CapEx CAGR (5Y)-5.63%

Tangible BV CAGR (5Y)12.88%

26-Week Price Return14.69%

13-Week Price Return2.60%

Total Debt / Equity (Annual)0.07x

Enterprise Value$1.62B

Revenue / Share Growth (5Y)8.93%

Book Value / Share Growth (5Y)5.63%

Revenue / Employee (Annual)$295,133,000,000

Pretax Margin (Annual)38.19%

Cash / Share (Annual)$2.62

3-Month Return Std Dev18.58%

Net Income / Employee (TTM)$137,500

EBITDA CAGR (5Y)13.33%

EBITDA Interim CAGR (5Y)13.76%

ROE (Last FY)9.69%

EPS Basic Excl Extra (Annual)$3.06

P/FCF (TTM)10.54x

EV / Free Cash Flow (TTM)10.56x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$3.61

ROI (TTM)11.93%

Dividend Growth Rate (5Y)11.27%

P/S Ratio (TTM)3.38x

Pretax Margin (5Y Avg)39.17%

Revenue / Share (Annual)$8.81

Tangible BV / Share (Annual)$30.10

Forward P/E11.32x

Free OCF CAGR (5Y)12.54%

Price vs S&P 500 (52W)-14.23%

P/E Ratio (TTM)11.95x

EPS Growth TTM (YoY)45.07%

Year-to-Date Return11.59%

5-Day Price Return1.04%

EPS Normalized (Annual)$3.06

ROA (5Y Avg)1.38%

Net Profit Margin (Annual)31.51%

Month-to-Date Return1.51%

Cash Flow / Share (TTM)$3.33

EBITD / Share (Annual)$4.32

EPS Growth (3Y)3.35%

Operating Margin (Annual)38.19%

LT Debt / Equity (Annual)0.03x

P/CF (TTM)10.20x

ROI (5Y Avg)10.24%

P/E Excl Extra (TTM)11.95x

LT Debt / Equity (Quarterly)0.02x

EPS Basic Excl Extra (TTM)$3.61

P/TBV (Quarterly)1.37x

Payout Ratio (Annual)38.42%

P/B Ratio (Annual)1.26x

Dividend / Share (TTM)$1.17

Pretax Margin (TTM)42.31%

Book Value / Share (Annual)$31.00

Price vs S&P 500 (13W)-7.14%

Net Margin Growth (5Y)1.58%

Dividend Yield (TTM)2.73%

Beta0.61x

P/FCF (Annual)10.50x

Revenue / Share (TTM)$8.65

ROE (TTM)11.95%

52-Week Low$36.55

vGradeC

gGradeC

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.88est. 0.91

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

3.92

4.00

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
GABCGerman American Bancorp, Inc.	C	C	C	$43.19
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

About

German American Bancorp is a bank holding company with two primary business segments: core banking and wealth management. The core banking segment attracts deposits and originates consumer, commercial, agricultural, and residential mortgage loans, while also generating revenue through secondary market mortgage sales. Wealth management services include trust, investment advisory, brokerage, and retirement planning, though core banking represents the majority of revenue.