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German American Bancorp, Inc. GABC

Financial — Banks Regional
Dividend Aristocrat Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.23
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 4 1 3 3 1 5 2 1 4 5 4 3
Sell — — — — — — — — — — — —
Insider Ownership
3.23%

Capital & Financial Ratios

Market Cap
1,850.00
Revenue
503.04
Net Income
142.08
Free Cash Flow
182.75
Net Debt
74.38
Current Ratio
0.86
Debt/Equity
0.14
P/E ratio
12.96
P/S ratio
3.67
P/B ratio
1.52
Past 5Y EPS Growth
4.27%
This Y EPS Growth
28.16%
Next Y EPS Growth
4.93%
Next 5Y EPS Growth
10.98%
in millions of $

Dividends

Payout Ratio
0.31
Annual Dividend Rate
0.98
Annual Dividend Yield
3.40%
total individual payouts
2027 ‡‡‡‡
2026 1.24
—
—
—
2025 1.16
—
—
—
—
2024 1.08
—
—
—
—
2023 1.00
—
—
—
—
2022 0.92
—
—
—
—
2021 0.84
—
—
—
—
2020 0.76
—
—
—
—
2019 0.68
—
—
—
—
2018 0.75
—
—
—
—
—
2017 0.52
—
—
—
—
2016 0.48
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 115.83 189.29 118.88 94.66
Receivables — — — —
Inventory — — — —
Other — — — —
4,161.05 4,390.05 6,055.43 6,085.37
2023 2024 2025 Q'26
Payables 5,252.96 5,329.08 6,989.74 6,995.76
ST’ Debt — — — —
Other — — — —
5,294.70 5,370.71 7,043.77 7,059.40
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 122.93 126.93 — —
—
’25 111.06 123.17 126.53 126.65
487.40
’24 84.08 90.50 88.45 90.67
353.70
’23 75.46 78.41 80.45 82.61
316.92
’22 65.46 67.45 70.62 74.53
278.06
’21 56.56 56.20 59.13 57.95
229.84
’20 57.65 55.96 55.39 59.84
228.84
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 37.04 58.11 — —
—
’25 37.93 26.92 51.80 42.67
159.32
’24 23.85 18.71 24.51 28.69
95.76
’23 31.47 21.78 24.42 29.58
107.23
’22 46.27 4.05 32.17 27.54
110.04
’21 26.69 18.73 28.51 26.91
100.84
’20 23.94 18.77 13.47 36.24
92.42
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 36.37 55.22 — —
—
’25 36.68 26.24 50.15 41.02
154.08
’24 22.62 17.04 23.03 28.04
90.72
’23 29.55 19.23 23.64 32.70
105.12
’22 42.21 2.90 31.09 25.98
102.18
’21 27.47 17.77 27.51 25.37
98.12
’20 22.86 16.90 11.87 37.65
89.28
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.88 1.02 — —
—
’25 0.30 0.84 0.94 0.95
3.06
’24 0.64 0.69 0.71 0.78
2.83
’23 0.71 0.75 0.73 0.73
2.91
’22 0.31 0.81 0.83 0.83
2.78
’21 0.74 0.90 0.81 0.73
3.17
’20 0.47 0.54 0.55 0.79
2.34

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.76 24.85 30.26 32.75 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 41.75 40.70 47.08 43.20 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 866 840 1,020 984 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.32 0.38 0.35 0.50 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 278.06 316.92 353.70 487.40 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 93.40% 79.10% 71.60% 74.16% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 99.18 103.65 104.10 140.07 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 35.67% 32.70% 29.43% 28.74% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 81.83 85.89 83.81 112.64 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.57 15.13 11.44 17.03 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.44 10.72 11.93 13.25 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 2.78 2.91 2.83 3.06 ‡‡‡‡‡ ‡‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.73 3.63 3.23 4.33 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.27) (0.07) (0.17) (0.14) ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.47 3.56 3.06 4.19 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.95 22.45 24.11 31.59 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.47 29.56 29.66 36.80 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.26 11.19 14.26 12.93 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.91 3.05 3.37 2.96 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.95 1.46 1.67 1.24 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.59 3.43 3.55 3.18 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.48 10.34 13.85 10.05 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 110.04 107.23 95.76 159.32 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (7.85) (2.12) (5.05) (5.24) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 102.18 105.12 90.72 154.08 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,400.88) (1,133.66) (980.66) (988.34) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 306.81 193.94 210.13 182.68 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 188.93 78.11 20.84 63.80 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 558.39 663.56 715.07 1,162.33 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.39% 1.40% 1.35% 1.53% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.29% 8.73% 8.84% 7.14% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.34% 14.06% 12.16% 12.00% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

German American Bancorp (GABC), a resilient regional bank serving Indiana, Kentucky, and beyond, has delivered impressive decade-long growth, with revenue surging 161% to $354 million in 2024 (12% YoY) via smart acquisitions like the 2022 Farmers & Merchants deal and organic efficiency gains—revenue per employee up 53%. Net income rose 138% to $84 million, ROE held steady at 12-14% through COVID and the 2023 banking crisis, while free cash flow per share climbed 87% and the balance sheet strengthened dramatically (equity up 117%, debt down 53%).

Insider confidence is surging, with directors buying $306,000 in shares from March 2025 to February 2026—far outpacing sells—often a precursor to outperformance. Valuation looks fair at 14.3x 2024 PE and 3.4x PS, with stock price tracking earnings recovery post-dilution.

Analysts forecast robust upside: revenue to $413 million by 2027 (9% CAGR), EPS up 40% to $3.97, and net income exploding 77%—implying 8% near-term stock gains and attractive multiples. A steady compounder for dividend hunters, GABC merits a closer look amid banking volatility.

Read full commentary →

German American Bancorp, Inc. (GABC) Latest News

News by impact score

Fine-tune

2 Sep

3 , 10:44 PM
German American Bancorp reported Q2 earnings placed in context with other regional bank stocks. Q2 earnings placed against peer banks can moderately shift sentiment on financial performance.

28 Jul

3 , 10:08 PM
German American Bancorp reports record earnings. Questions arise on whether the stock is now expensive following the results. Record earnings can moderately influence stock valuation and short-term market sentiment for the company.

3 , 1:10 AM
German American Bancorp (GABC) posted an earnings beat and sustained its dividend payout, shaping potential investor responses to the results. Earnings beat and maintained dividend signal stable financials with moderate effects on performance and sentiment.

27 Jul

4 , 4:15 PM
German American Bancorp reported record earnings for the second quarter of 2026. Record earnings signal strong financial performance likely to boost stock valuation and investor sentiment.

3 , 5:35 PM
German American Bancorp (GABC) reported Q2 earnings and revenues that exceeded analyst estimates. Q2 earnings beat is likely to support near-term stock price and investor sentiment without altering long-term trajectory.

20 Jul

3 , 10:00 AM
German American Bancorp (GABC) earnings expected to grow, prompting consideration of stock purchase. Projected earnings growth may moderately affect investor sentiment and near-term stock valuation.

2 Jul

3 , 8:04 AM
German American Bancorp (GABC) carries three major risks that undermine its investment appeal, leading to a direct recommendation for an alternative stock with stronger prospects. Negative risk analysis on GABC can weigh on near-term investor sentiment and share price.

22 Jun

3 StockStory, 1:07 PM
German American Bancorp (GABC) Q4 earnings are examined relative to other regional bank stocks. Q4 earnings comparison offers moderate performance context versus peers without signaling major strategic or market shifts.

9 May

4 Simply Wall St., 1:19 AM
German American Bancorp (GABC) posted strong Q1 earnings and expanded its share authorization, sparking debate on whether investors need to act. Strong Q1 earnings demonstrate solid financial performance while share authorization expansion enables key capital management strategies, significantly influencing future growth and market sentiment.

27 Apr

3 Zacks, 7:30 PM
German American Bancorp (GABC) Q1 earnings compared to analyst estimates, with key metrics under review. Q1 earnings versus estimates moderately influence financial performance and market sentiment without fundamentally altering long-term trajectory.

3 Zacks, 5:55 PM
German American Bancorp (GABC) Q1 earnings missed analyst estimates. Q1 earnings miss affects financial performance and investor sentiment moderately but is limited to one quarter.

3 Business Wire, 4:20 PM
German American Bancorp, Inc. (GABC) announced first quarter financial results. Quarterly financial results disclosure moderately influences short-term market sentiment and stock performance.

20 Apr

3 , 10:00 AM
German American Bancorp (GABC) earnings are expected to grow, prompting analysis on whether the stock presents a buying opportunity. Expected earnings growth signals moderately noticeable positive influence on financial performance and market sentiment.

10 Apr

4 Business Wire, 11:42 AM
Neil Dauby of German American Bancorp, Inc. (GABC) elected to the Board of Directors of the Federal Reserve Bank of St. Louis. Neil Dauby's election elevates GABC's prestige, regulatory influence, and investor sentiment in the banking sector.

13 Feb

3 Simply Wall St., 6:39 AM
German American Bancorp, Inc. (GABC) is highlighted as an undervalued small-cap stock with notable insider activity in February 2026. The article discusses the potential for growth in the company, driven by recent investments and strategic decisions made by insiders, indicating confidence in the firm's future performance. This insider activity suggests that key stakeholders believe the stock is undervalued, which may attract further investor interest and influence market sentiment. Insider activity indicates potential for growth, but overall impact on the company's trajectory is expected to be limited.

12 Feb

3 Simply Wall St., 6:40 AM
German American Bancorp, Inc. (GABC) is highlighted as an undervalued small-cap stock with notable insider buying activity. The article emphasizes the potential for growth and investment opportunities in GABC, suggesting that the recent insider transactions may indicate confidence in the company's future performance. Investors are encouraged to consider GABC as part of their portfolio in February 2026 due to these factors. Insider buying activity suggests confidence in the company's future, which may moderately influence market sentiment and performance.

11 Feb

4 Zacks24/7 Wall St.Motley FoolBarchartMotley Fool24/7 Wall St.Motley FoolGOBankingRates, 11:45 AM
German American Bancorp, Inc. (GABC) is highlighted as a top dividend stock due to its consistent dividend payments and strong financial performance. The company has a solid track record of increasing dividends, making it an attractive option for income-focused investors. Its robust balance sheet and commitment to shareholder returns further enhance its appeal in the current market environment. The company's strong dividend history and financial stability are likely to significantly influence investor sentiment and future performance.

3 Simply Wall St., 6:39 AM
German American Bancorp, Inc. (GABC) is highlighted as an undervalued small-cap stock with notable insider buying activity. The article emphasizes the potential for growth in the company, driven by strategic initiatives and market positioning. Insider transactions are viewed as a positive signal regarding the company's future prospects, suggesting confidence from those within the organization. This aligns with broader trends in the small-cap sector, where undervalued stocks are attracting attention from investors seeking opportunities. Insider buying indicates confidence in the company's future, which may moderately influence market sentiment and performance.

10 Feb

4 Business Wire, 3:22 PM
German American Bancorp, Inc. has been recognized by Forbes as one of the top 10 banks in America, highlighting its strong performance and customer satisfaction. This accolade reflects the bank's commitment to providing quality financial services and its competitive position in the banking industry. Recognition by Forbes is likely to enhance the bank's reputation and attract new customers, significantly impacting its future performance.

3 Simply Wall St., 6:39 AM
German American Bancorp, Inc. (GABC) is highlighted as one of three undervalued small-cap stocks showing insider buying activity. The article emphasizes the potential for growth in GABC, driven by its strong fundamentals and strategic positioning in the market. Insider purchases are viewed as a positive signal, indicating confidence in the company's future performance. Investors are encouraged to consider GABC as a viable investment opportunity amidst broader market trends. Insider buying activity suggests confidence in GABC's future, which may moderately influence investor sentiment and market performance.

30 Jan

3 Simply Wall St., 5:40 AM
German American Bancorp, Inc. (GABC) has announced an increase in its dividend payout compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to shareholders. The new dividend rate is expected to enhance investor confidence and attract more interest in the stock. The increased dividend payout is likely to positively influence investor sentiment and financial performance, but its overall impact may be limited.

28 Jan

3 Simply Wall St., 12:13 PM
German American Bancorp, Inc. (GABC) has announced a dividend hike, raising questions about the sustainability of its earnings versus the potential strain on its payout ratio. Analysts are evaluating whether this increase reflects strong, durable earnings power or if it signals a stretch in the company's ability to maintain such payouts in the future. The decision comes amid broader market conditions and the bank's financial performance metrics. The dividend hike may influence investor sentiment and financial performance, but its overall effect is expected to be somewhat limited.

27 Jan

3 StockStoryAssociated Press FinanceZacksZacksSimply Wall St.StockStoryStockStoryStockStory, 11:40 AM
German American Bancorp, Inc. (GABC) has seen an increase in its stock price, reflecting positive market sentiment and potential growth opportunities. Investors are encouraged to consider the company's recent performance and strategic initiatives that may influence its future trajectory. Analysts suggest that the upward trend could be indicative of broader market confidence in GABC's operational strategies and financial health. The stock price increase suggests a moderately noticeable influence on market sentiment and potential financial performance.

26 Jan

4 Zacks, 5:55 PM
German American Bancorp, Inc. (GABC) reported Q4 earnings and revenue that exceeded analysts' expectations, showcasing strong financial performance. The results reflect the company's effective management and growth strategies, contributing to positive market sentiment and investor confidence. Strong Q4 performance is likely to significantly influence future financial stability and investor sentiment.

4 Associated Press Finance, 5:04 PM
German American Bancorp, Inc. (GABC) reported its Q4 earnings, showcasing a solid financial performance with notable growth in net income and assets. The bank's earnings per share exceeded analysts' expectations, driven by increased loan demand and improved net interest margins. Additionally, the company highlighted its strategic initiatives aimed at enhancing customer service and expanding its market presence. Overall, the results reflect a positive trajectory for GABC amidst a competitive banking landscape. Strong earnings growth and strategic initiatives indicate significant potential for future performance.

4 Business Wire, 4:45 PM
German American Bancorp, Inc. (GABC) reported record earnings for the fourth quarter and strong annual results for 2025, highlighting significant financial growth. The company also declared a 7% increase in its cash dividend, reflecting its commitment to returning value to shareholders. The record earnings and dividend increase indicate a significant positive shift in the company's financial health and investor sentiment.

3 ZacksZacksZacksZacksZacksZacksZacksZacks, 7:00 PM
German American Bancorp, Inc. (GABC) reported its Q4 earnings, revealing key metrics that were compared to analysts' estimates. The results indicate performance trends that may influence investor sentiment and future market positioning. Analysts are assessing the implications of these earnings on the company's trajectory and overall financial health. Earnings results may moderately influence financial performance and market sentiment but are not expected to drastically alter the company's trajectory.

11 Jan

4 StockStory, 11:32 PM
German American Bancorp, Inc. (GABC) is highlighted as a strong investment option under $50, showcasing solid fundamentals that make it a favorable choice for investors. The article contrasts GABC with two other stocks that are deemed less attractive, emphasizing the bank's financial stability and growth potential in the current market environment. GABC's solid fundamentals and favorable market positioning suggest significant potential for future performance.

7 Jan

4 Simply Wall St., 1:10 AM
German American Bancorp, Inc. (GABC) is enhancing its regional leadership, which is expected to strengthen its market position amid improving margins. The company's strategic initiatives aim to capitalize on favorable economic conditions and bolster its competitive edge in the banking sector. Elevating regional leadership and margin strength are likely to significantly impact the company's future performance and investor sentiment.

4 Jan

3 StockStory, 11:39 PM
German American Bancorp, Inc. (GABC) is highlighted as a momentum stock with competitive advantages, alongside another company. The article emphasizes the strong financial performance and strategic positioning of GABC, suggesting it is well-equipped to navigate market challenges. However, it also identifies one company as risky, indicating potential vulnerabilities in its operations or market approach. Investors are encouraged to consider these dynamics when evaluating their portfolios. GABC's competitive advantages and financial performance may moderately influence its market positioning and investor sentiment.
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