Stock AnalizGerman American Bancorp, Inc. GABC
Major Banks · data as of November 13, 2026
German American Bancorp, Inc. (GABC) is a financial company listed in the US with a market value of about $1.9B. In the twelve months to September 30, 2026 it had revenue of $394M and net income of $146M, a net margin of 36.9%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is future growth (4/5); the weakest is track record (2/5).
Key numbers: a P/E of 12.8, a price to free cash flow of 11.4, 5-year revenue growth of 12% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 23% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $394M | $361M | $253M | $251M | $260M | $220M | $210M | $191M | $152M | $132M | $127M |
| Net income | $146M | $113M | $84M | $86M | $82M | $84M | $62M | $59M | $47M | $41M | $35M |
| Free cash flow | $164M | $154M | $91M | $101M | $102M | $96M | $85M | $56M | $47M | $44M | $37M |
| EPS (diluted) | $3.89 | $3.06 | $2.83 | $2.91 | $2.78 | $3.17 | $2.34 | $2.29 | $1.99 | $1.77 | $1.57 |
| Net margin | 36.9% | 31.2% | 33.1% | 34.3% | 31.5% | 38.2% | 29.7% | 31.1% | 30.7% | 30.9% | 27.7% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $56.40, 13% above the current price; targets range from $53.00 to $60.00; the consensus rating is “Buy”; expected EPS is $3.95 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is German American Bancorp’s P/E ratio?
About 12.8, based on the last twelve months of diluted earnings per share (forward P/E about 12.2).
Is German American Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 23% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does German American Bancorp pay a dividend?
Yes. The dividend yield is about 2.48%, and it has paid dividends for 10 years in our data.
Is German American Bancorp a good stock to buy?
We do not give buy or sell advice. German American Bancorp scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.