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German American Bancorp, Inc. (GABC)
Price$43.17
Favorite Metrics
Price vs S&P 500 (26W)8.34%
Price vs S&P 500 (4W)5.62%
Market Capitalization$1.62B
P/E Ratio (Annual)14.37x
Indicated Dividend Yield (Annual)2.85%
All Metrics
P/CF (Annual)10.16x
Book Value / Share (Quarterly)$31.00
P/TBV (Annual)1.30x
Indicated Dividend (Annual)$1.16
Revenue Growth (3Y)7.45%
Cash Flow / Share (Quarterly)$4.11
Payout Ratio (TTM)38.42%
Price vs S&P 500 (YTD)8.51%
Net Profit Margin (TTM)34.75%
EPS (TTM)$3.03
10-Day Avg Trading Volume0.14M
EPS Excl Extra (TTM)$3.03
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)14.37x
Revenue Growth QoQ (YoY)16.13%
EPS Growth (5Y)5.45%
P/E Normalized (Annual)14.37x
ROA (Last FY)1.34%
Revenue Growth TTM (YoY)24.60%
EBITD / Share (TTM)$4.32
ROE (5Y Avg)12.32%
Operating Margin (TTM)42.31%
Cash Flow / Share (Annual)$4.11
P/B Ratio1.39x
P/B Ratio (Quarterly)1.26x
Net Income / Employee (Annual)$0
ROA (TTM)1.35%
EPS Growth QoQ (YoY)21.66%
EV / EBITDA (TTM)10.21x
EPS Incl Extra (Annual)$3.06
3-Month Avg Trading Volume0.15M
52-Week Price Return26.01%
EV / Free Cash Flow (Annual)10.53x
P/E Incl Extra (TTM)14.37x
Tangible BV / Share (Quarterly)$30.10
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 Return12.33%
13-Week Price Return10.48%
Total Debt / Equity (Annual)0.07x
Enterprise Value$1,620.892
Revenue / Share Growth (5Y)8.93%
Book Value / Share Growth (5Y)5.63%
Revenue / Employee (Annual)$295,133
Pretax Margin (Annual)38.19%
Cash / Share (Annual)$2.62
3-Month Return Std Dev25.38%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)13.47%
EBITDA Interim CAGR (5Y)11.81%
ROE (Last FY)9.69%
EPS Basic Excl Extra (Annual)$3.06
P/FCF (TTM)10.51x
EV / Free Cash Flow (TTM)10.53x
Total Debt / Equity (Quarterly)0.00x
EPS Incl Extra (TTM)$3.03
ROI (TTM)10.22%
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/E11.48x
Free OCF CAGR (5Y)12.54%
Price vs S&P 500 (52W)-3.82%
P/E Ratio (TTM)14.37x
EPS Growth TTM (YoY)7.12%
Year-to-Date Return11.15%
5-Day Price Return-1.98%
EPS Normalized (Annual)$3.06
ROA (5Y Avg)1.38%
Net Profit Margin (Annual)31.51%
Month-to-Date Return4.21%
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)10.16x
ROI (5Y Avg)10.24%
P/E Excl Extra (TTM)14.37x
LT Debt / Equity (Quarterly)0.02x
EPS Basic Excl Extra (TTM)$3.03
P/TBV (Quarterly)1.30x
Payout Ratio (Annual)38.42%
P/B Ratio (Annual)1.26x
Dividend / Share (TTM)$1.29
Pretax Margin (TTM)42.31%
Book Value / Share (Annual)$31.00
Price vs S&P 500 (13W)9.79%
Net Margin Growth (5Y)1.58%
Dividend Yield (TTM)2.67%
Beta0.63x
P/FCF (Annual)10.51x
Revenue / Share (TTM)$8.65
ROE (TTM)10.25%
52-Week Low$33.98
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.92
4.00
3.92
4.00
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
GABCGerman American Bancorp, Inc. | 1.26x | 10.25% | 1.35% | — | $43.17 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
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 | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
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.