Skip to content
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 Framework: Banks & Lenders Small Cap
German American Bancorp, Inc. (GABC), is a Small Cap company, in the Banks - Regional industry, last closed at $45.91, about 32.7% overvalued vs fair value, +22.9% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 126.8% ROE 12.0% Gross Margin 70.2% Div Yield 2.95%
USD 45.91
1.37%
(Delayed)
• Vol 90d: 20.0%
52-Week Range
Market Cap
$1.71B
Enterprise Value
$1.83B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$58
Current: $45.91 -33% 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
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Strong
77
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing GABC's balance between Growth (34.9%), Profitability (37.5%), and Safety (27.6%). Growth 35% Safety 28% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

61th percentile vs peers
62
Key Signals
Asset Growth YoY 33.2% 93p NII Growth YoY 0.1% 44p Equity Growth YoY 7.8% 59p EPS Growth YoY -2.7% 40p
Strengths
  • Asset Growth YoY in top 20% of peers (33.2%, 93th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

66th percentile vs peers
66
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

48th percentile vs peers
49
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$30.92
- - -
-32.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000