German American Bancorp (GABC) Stock Price, News & Analysis

Company Overview

German American Bancorp, Inc. operates as a bank holding company headquartered in Jasper, Indiana. Through its principal subsidiary, German American Bank, it delivers a range of community banking services tailored to individuals, small-to-medium enterprises and agricultural clients. The company’s core offerings include traditional deposit accounts—such as checking, savings and certificates of deposit—alongside residential mortgage and home equity lending products.

On the commercial side, German American Bancorp provides a variety of financing solutions, including term loans, lines of credit and commercial real estate financing. The company also offers treasury management services, facilitating cash management, merchant processing and online banking. Specialized loan programs and advisory services are available for agricultural producers, reflecting its commitment to rural markets.

Founded in Jasper, Indiana, the company traces its roots back to the late 19th century, reflecting a longstanding commitment to community-oriented banking. Today, German American Bancorp operates an extensive branch network spanning Southern and Northern Indiana, as well as Southeastern Illinois. The company combines local decision-making capabilities with digital platforms to serve both urban and rural customers within its operating regions.

Under the leadership of a seasoned executive team and board of directors, German American Bancorp emphasizes customer relationships and community development. The firm maintains a decentralized operational model, empowering local management to address client needs directly while adhering to prudent risk management and regulatory standards.

Key Stats

• Today's Range: $37.40 to $38.83
• 50-Day Range: $37.42 to $41.96
• 52-Week Range: $32.75 to $47.08
• Volume: 178,079 shs
• Average Volume: 129,662 shs
• Market Capitalization: $1.41 billion
• P/E Ratio: 14.32
• Dividend Yield: 3.08%
• Price Target: $46.33
• Consensus Rating: Moderate Buy

German American Bancorp Stock Analysis - MarketRank™

German American Bancorp scored higher than 98% of companies evaluated by MarketBeat, and ranked 65th out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

German American Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

German American Bancorp has a consensus price target of $46.33, representing about 23.1% upside from its current price of $37.65.

Amount of Analyst Coverage

German American Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 19.61%

Earnings Growth

Earnings for German American Bancorp are expected to grow by 19.61% in the coming year, from $3.06 to $3.66 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of German American Bancorp is 14.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.20.

Price to Earnings Ratio vs. Sector

The P/E ratio of German American Bancorp is 14.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.75.

Price to Book Value per Share Ratio

German American Bancorp has a P/B Ratio of 1.56. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.25% of the outstanding shares of German American Bancorp have been sold short.

Short Interest Ratio / Days to Cover

German American Bancorp has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.

Change versus previous month

Short interest in German American Bancorp has recently decreased by 4.69%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

German American Bancorp pays a meaningful dividend of 3.05%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

German American Bancorp has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of German American Bancorp is 44.11%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, German American Bancorp will have a dividend payout ratio of 31.69% next year. This indicates that German American Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.48

Percentage of Shares Shorted

3.25% of the outstanding shares of German American Bancorp have been sold short.

Short Interest Ratio / Days to Cover

German American Bancorp has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.

Change versus previous month

Short interest in German American Bancorp has recently decreased by 4.69%, indicating that investor sentiment is improving.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.15

News Sentiment

German American Bancorp has a news sentiment score of 1.15. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for German American Bancorp this week, compared to 3 articles on an average week.

MarketBeat Follows

1 people have added German American Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, German American Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $42,903.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 6.16% of the stock of German American Bancorp is held by insiders.

Percentage Held by Institutions

46.90% of the stock of German American Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

GABC Stock Analysis - Frequently Asked Questions

How have GABC shares performed this year?

German American Bancorp's stock was trading at $40.22 at the start of the year. Since then, GABC shares have decreased by 6.4% and is now trading at $37.65.

How were German American Bancorp's earnings last quarter?

German American Bancorp, Inc. (NASDAQ:GABC) released its earnings results on Wednesday, September, 7th. The bank reported $0.81 earnings per share (EPS) for the quarter. The bank had revenue of $64.78 million for the quarter. German American Bancorp had a trailing twelve-month return on equity of 11.59% and a net margin of 20.84%.

Who are German American Bancorp's major shareholders?

German American Bancorp's top institutional investors include Wedge Capital Management L L P NC (0.18%), Voya Investment Management LLC (0.02%) and CWM LLC (0.01%). Insiders that own company stock include Thomas W Seger, Jack Sheidler, Chris A Ramsey, Zachary W Bawel, Christina M Ryan, Jason M Kelly, Susan J Ellspermann, Tyson J Wagler, Diane B Medley and Ronnie R Stokes.
View institutional ownership trends.

How do I buy shares of German American Bancorp?

Shares of GABC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of German American Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that German American Bancorp investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Meta Platforms (META), Advanced Micro Devices (AMD), NVIDIA (NVDA), Home Depot (HD) and Netflix (NFLX).

Company Calendar

• Last Earnings: 9/07/2022
• Ex-Dividend for 8/20 Dividend: 8/08/2025
• Record date for 8/20 Dividend: 8/10/2025
• Dividend Payable: 8/20/2025
• Today: 10/16/2025
• Next Earnings (Estimated): 10/27/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:GABC
• CIK: 714395
• Web: www.germanamerican.com
• Phone: (812) 482-1314
• Fax: 812-482-0758
• Employees: 1,020
• Year Founded: 1910

Price Target and Rating

• Average Price Target for German American Bancorp: $46.33
• High Price Target: $48.00
• Low Price Target: $44.00
• Potential Upside/Downside: +21.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.63
• Trailing P/E Ratio: 14.48
• Forward P/E Ratio: 12.43
• P/E Growth: N/A
• Net Income: $83.81 million
• Net Margins: 20.84%
• Pretax Margin: 25.84%
• Return on Equity: 11.59%
• Return on Assets: 1.42%

Debt

• Debt-to-Equity Ratio: 0.19
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $298.84 million
• Price / Sales: 4.77
• Cash Flow: $3.11 per share
• Price / Cash Flow: 12.24
• Book Value: $24.09 per share
• Price / Book: 1.58

Miscellaneous

• Outstanding Shares: 37,493,000
• Free Float: 35,183,000
• Market Cap: $1.43 billion
• Optionable: Optionable
• Beta: 0.62