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Company Analysis

German American Bancorp, Inc. GABC

A comprehensive view of key metrics, scores, and financial health for German American Bancorp, Inc.

Overview of German American Bancorp, Inc.

GABC NMS
Financial Services Banks - Regional Small Cap
German American Bancorp, Inc. (GABC), is a Small Cap company, in the Banks - Regional industry, last closed at $40.07, about 22.8% overvalued vs fair value, +3.4% 1Y return, placing in the top 25% of its sector.
$40.07
0.05%
As of March 13, 2026
Previous close • Vol 90d: 24.4%
52-Week Range
Market Cap
$1.50B
Enterprise Value
$1.61B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.germanamerican.com
HQ Jasper, IN
Fiscal year Dec 31

Next Events

Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$58
Current: $40.07 -23% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$291.0M
13.4%%
Interest Expense
$126.0M
Net Interest Income
$190.6M
0.1%%
Total Revenue
$487.4M
126.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$53.6M
64.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
2
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating German American Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
72
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
81
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing GABC's balance between Growth (34.8%), Profitability (31.7%), and Safety (33.6%). Growth 35% Safety 34% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

84th percentile vs peers
85
Key Signals
Rev Growth YoY 1.27 89p Asset Growth YoY 33.2% 93p Revenue CAGR 3Y 23.4% 70p
Strengths
  • Growth performance in top 20% of peers (percentile: 84)
  • Rev Growth Yoy in top 20% of peers (1.27, 89th percentile)
  • Asset Growth Yoy in top 20% of peers (33.2%, 93th percentile)
  • Roa in top 20% of peers (1.4%, 84th percentile)
Risks

No significant risks identified for this axis.

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

81th percentile vs peers
82
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for German American Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$30.92
- - -
-22.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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