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

Company Overview

German American Bancorp, Inc. is a bank holding company headquartered in Jasper, Indiana, serving as the parent of German American Bank. Originally founded in 1870 as a community bank in Dubois County, the company reorganized under its current holding structure in the mid-1990s to support a growing network of subsidiaries. Over the decades, German American Bancorp has expanded its footprint through a combination of strategic branch openings and targeted acquisitions, reinforcing its position as a regional financial institution in the American Midwest.

The company’s principal business activities encompass a broad range of commercial and consumer banking services. Its product offerings include commercial and industrial lending, agricultural and equipment financing, residential and commercial real estate mortgages, and treasury management solutions. German American Bancorp also provides deposit products such as checking and savings accounts, certificates of deposit, and money market accounts designed to meet the needs of individuals, small businesses, and corporate clients.

German American Bancorp’s geographic footprint spans southern and central Indiana, as well as northern Kentucky, with more than 70 full-service branches and loan production offices. This network enables the company to deliver personalized banking solutions to both urban and rural communities, supporting local economies with deposit gathering and credit services tailored to regional market dynamics. Its presence in key growth corridors allows the company to maintain close relationships with commercial real estate developers, agricultural operators, and family-owned businesses.

Under the leadership of President and Chief Executive Officer John D. Tolzman II, German American Bancorp has emphasized community engagement, risk management, and technological innovation. The company’s leadership team combines deep banking expertise with a commitment to customer service, guiding ongoing investments in digital capabilities and branch modernization. With a longstanding reputation for stability and client-focused banking, German American Bancorp continues to pursue measured growth while maintaining strong ties to the communities it serves.

Key Stats

• Today's Range: $40.39 to $41.15
• 50-Day Range: $36.80 to $41.11
• 52-Week Range: $32.75 to $47.08
• Volume: 127,941 shs
• Average Volume: 118,379 shs
• Market Capitalization: $1.53 billion
• P/E Ratio: 16.48
• Dividend Yield: 2.84%
• Price Target: $45.20
• Consensus Rating: Moderate Buy

German American Bancorp Stock Analysis - MarketRank™

German American Bancorp scored higher than 96% of companies evaluated by MarketBeat, and ranked 69th out of 933 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: 2.3 / 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 2.60, and is based on 3 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

German American Bancorp has only been the subject of 1 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 16.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of German American Bancorp is 16.48, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

German American Bancorp has a P/B Ratio of 1.70. 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

3.90% 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 9.2.

Change versus previous month

Short interest in German American Bancorp has recently increased by 23.42%, 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 2.89%, 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 46.77%. 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

3.90% 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 9.2.

Change versus previous month

Short interest in German American Bancorp has recently increased by 23.42%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.25

News Sentiment

German American Bancorp has a news sentiment score of 1.25. 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 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for German American Bancorp this week, compared to 3 articles on an average week.

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 12.68% more of their company's stock than they have sold. Specifically, they have bought $112,078.00 in company stock and sold $99,468.00 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 on January 1st, 2025. Since then, GABC shares have increased by 1.6% and is now trading at $40.87.

How were German American Bancorp's earnings last quarter?

German American Bancorp, Inc. (NASDAQ:GABC) announced its quarterly earnings results on Monday, April, 28th. The bank reported $0.79 EPS for the quarter, beating the consensus estimate of $0.72 by $0.07. The bank earned $81.41 million during the quarter, compared to analyst estimates of $79.60 million. German American Bancorp had a net margin of 19.78% and a trailing twelve-month return on equity of 11.53%.

Who are German American Bancorp's major shareholders?

German American Bancorp's top institutional shareholders include Wedge Capital Management L L P NC (0.19%), Chatham Capital Group Inc. (0.14%), Wealth Enhancement Advisory Services LLC (0.08%) and Diversified Trust Co (0.04%). Insiders that own company stock include Thomas W Seger, Jack Sheidler, Chris A Ramsey, Zachary W Bawel, Christina M Ryan, Jason M Kelly, Tyson J Wagler, Susan J Ellspermann, Ronnie R Stokes and Diane B Medley.
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: 4/28/2025
• Ex-Dividend for 5/20 Dividend: 5/09/2025
• Record date for 5/20 Dividend: 5/10/2025
• Dividend Payable: 5/20/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 8/04/2025
• 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: $45.20
• High Price Target: $48.00
• Low Price Target: $42.00
• Potential Upside/Downside: +10.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.48
• Trailing P/E Ratio: 16.48
• Forward P/E Ratio: 13.34
• P/E Growth: N/A
• Net Income: $83.81 million
• Net Margins: 19.78%
• Pretax Margin: 24.76%
• Return on Equity: 11.53%
• Return on Assets: 1.35%

Debt

• Debt-to-Equity Ratio: 0.21
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $353.70 million
• Price / Sales: 4.33
• Cash Flow: $3.26 per share
• Price / Cash Flow: 12.52
• Book Value: $24.09 per share
• Price / Book: 1.69

Miscellaneous

• Outstanding Shares: 37,480,000
• Free Float: 35,172,000
• Market Cap: $1.53 billion
• Optionable: Optionable
• Beta: 0.59