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

Company Overview

German American Bancorp, Inc. is a financial holding company headquartered in Jasper, Indiana. Through its principal subsidiary, German American Bank, the company provides a range of banking and financial services to individuals, families, farmers, businesses and other organizations.

Its banking activities include deposit accounts, residential and commercial real estate lending, consumer loans, agricultural financing, business loans, treasury management and other financial services. The company also offers wealth management services, including investment management, trust administration and retirement planning, as well as insurance products through affiliated operations.

German American Bancorp traces its history to the founding of German American Bank in 1910. The company serves communities primarily in southern Indiana and neighboring markets in Kentucky and Ohio through a network of banking offices and digital channels. Mark A. Wathen serves as president and chief executive officer.

Key Stats

• Today's Range: $48.55 to $49.13
• 50-Day Range: $47.56 to $51.38
• 52-Week Range: $37.19 to $52.23
• Volume: 5,909 shs
• Average Volume: 150,053 shs
• Market Capitalization: $1.83 billion
• P/E Ratio: 12.87
• Dividend Yield: 2.54%
• Price Target: $53.33
• Consensus Rating: Moderate Buy

German American Bancorp Stock Analysis - MarketRank™

German American Bancorp scored higher than 82% of companies evaluated by MarketBeat, and ranked 336th out of 852 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: 2.9 / 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 2.80, and is based on 1 strong buy rating, 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for German American Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

German American Bancorp has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.41%

Earnings Growth

Earnings for German American Bancorp are expected to grow by 5.41% in the coming year, from $3.88 to $4.09 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of German American Bancorp is 12.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of German American Bancorp is 12.88, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.34.

Price to Book Value per Share Ratio

German American Bancorp has a P/B Ratio of 1.57. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.59% of the float of German American Bancorp has been sold short.

Short Interest Ratio / Days to Cover

German American Bancorp has a short interest ratio ("days to cover") of 11.19, which indicates bearish sentiment.

Change versus previous month

Short interest in German American Bancorp has recently increased by 6.69%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

German American Bancorp pays a meaningful dividend of 2.51%, 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 32.72%. 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 30.32% next year. This indicates that German American Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 0.61

News Sentiment

German American Bancorp has a news sentiment score of 0.61. 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 lower news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for German American Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 3.5 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

4 insiders have purchased shares of German American Bancorp in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $36,181.00 in company stock, which represents 0.0020% of the company's market cap.

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 $36,181.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

3.20% 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.

Company Calendar

• Last Earnings: 7/27/2026
• Record date for 8/20 Dividend: 8/10/2026
• Ex-Dividend for 8/20 Dividend: 8/10/2026
• Dividend Payable: 8/20/2026
• Today: 9/30/2026
• Next Earnings (Estimated): 10/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:GABC
• CIK: 714395
• Web: www.germanamerican.com
• Phone: (812) 482-1314
• Fax: 812-482-0758
• Employees: 984
• Year Founded: 1910

Price Target and Rating

• Average Price Target for German American Bancorp: $53.33
• High Price Target: $60.00
• Low Price Target: $49.00
• Potential Upside/Downside: +9.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.80
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.79
• Trailing P/E Ratio: 12.89
• Forward P/E Ratio: 12.61
• P/E Growth: N/A
• Net Income: $112.64 million
• Net Margins: 28.25%
• Pretax Margin: 35.26%
• Return on Equity: 12.14%
• Return on Assets: 1.69%

Debt

• Debt-to-Equity Ratio: 0.14
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $386.18 million
• Price / Sales: 4.76
• Cash Flow: $3.88 per share
• Price / Cash Flow: 12.61
• Book Value: $31.00 per share
• Price / Book: 1.58

Miscellaneous

• Outstanding Shares: 37,579,000
• Free Float: 36,376,000
• Market Cap: $1.84 billion
• Optionable: Optionable
• Beta: 0.58