German American Bancorp Company Profile (NASDAQ:GABC)

About German American Bancorp (NASDAQ:GABC)

German American Bancorp, Inc. is a bank holding company. As of December 31, 2016, the Company, through its banking subsidiary German American Bancorp, operated 51 banking offices in 19 contiguous southern Indiana counties and one northern Kentucky county. Its segments are core banking, trust and investment advisory services, insurance, and other. The core banking segment involves attracting deposits from the general public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, primarily in its local markets. The core banking segment also involves the sale of residential mortgage loans in the secondary market. The trust and investment advisory services segment involves providing trust, investment advisory, and brokerage services to customers. The insurance segment offers a range of personal and corporate property and casualty insurance products, in its banking subsidiary's local markets.

Industry, Sector and Symbol:

Sector: Finance
Industry: Commercial Banks
Sub-Industry: Regional Banks
Symbol: NASDAQ:GABC
CUSIP: 37386510
Web: www.germanamerican.com

Capitalization:

Market Cap: $809.41 million
Outstanding Shares: 22,929,000

Average Prices:

50 Day Moving Avg: $33.32
200 Day Moving Avg: $40.86
52 Week Range: $22.19 - $36.31

P/E:

Trailing P/E Ratio: 20.70
Foreward P/E Ratio: 18.74
P/E Growth: 2.27

Sales & Book Value:

Annual Revenue: $130.98 million
Price / Sales: 6.27
Book Value: $14.88 per share
Price / Book: 2.41

Dividend:

Annual Dividend: $0.52
Dividend Yield: 1.5%

Profitability:

Net Margins: 28.14%
Return on Equity: 11.78%
Return on Assets: 1.34%

Debt:

Debt-to-Equity Ratio: 0.71%
Current Ratio: 0.87%
Quick Ratio: 0.86%

Misc:

Average Volume: 46,910 shs.
Beta: 1.15
Short Ratio: 23.48

Frequently Asked Questions for German American Bancorp (NASDAQ:GABC)

What is German American Bancorp's stock symbol?

German American Bancorp trades on the NASDAQ under the ticker symbol "GABC."

How often does German American Bancorp pay dividends? What is the dividend yield for German American Bancorp?

German American Bancorp declared a quarterly dividend on Tuesday, April 25th. Stockholders of record on Wednesday, May 10th will be paid a dividend of $0.13 per share on Saturday, May 20th. This represents a $0.52 dividend on an annualized basis and a dividend yield of 1.45%. The ex-dividend date of this dividend is Monday, May 8th. This is a positive change from German American Bancorp's previous quarterly dividend of $0.13. View German American Bancorp's Dividend History.

How were German American Bancorp's earnings last quarter?

German American Bancorp, Inc. (NASDAQ:GABC) released its quarterly earnings data on Monday, January, 30th. The company reported $0.66 earnings per share (EPS) for the quarter, beating the Thomson Reuters' consensus estimate of $0.63 by $0.03. The company earned $33.25 million during the quarter, compared to the consensus estimate of $32.42 million. German American Bancorp had a net margin of 28.14% and a return on equity of 11.78%. View German American Bancorp's Earnings History.

Where is German American Bancorp's stock going? Where will German American Bancorp's stock price be in 2017?

4 brokerages have issued 12-month target prices for German American Bancorp's stock. Their predictions range from $33.00 to $47.00. On average, they anticipate German American Bancorp's stock price to reach $38.67 in the next twelve months. View Analyst Ratings for German American Bancorp.

Who are some of German American Bancorp's key competitors?

Some companies that are related to German American Bancorp include Pacific Premier Bancorp (PPBI), Heartland Financial USA (HTLF), S&T Bancorp (STBA), 1st Source Corporation (SRCE), CPB (CPF), Enterprise Financial Services Corporation (EFSC), Lakeland Bancorp (LBAI), OceanFirst Financial Corp. (OCFC), Washington Trust Bancorp (WASH), Opus Bank (OPB), Stock Yards Bancorp (SYBT), TriCo Bancshares (TCBK), Univest Corporation of Pennsylvania (UVSP), Heritage Financial Corporation (HFWA), Dime Community Bancshares (DCOM), Green Bancorp (GNBC), Live Oak Bancshares (LOB) and Great Southern Bancorp (GSBC).

Who are German American Bancorp's key executives?

German American Bancorp's management team includes the folowing people:

Mark A. Schroeder, Chairman of the Board, Chief Executive Officer
Clay W. Ewing, President of the company and the Bank
Bradley M. Rust, Chief Financial Officer, Executive Vice President, Senior Administrative Officer
Randall L. Braun, Executive Vice President - Chief Retail Banking and Development Officer
D. Neil Dauby, Executive Vice President - Chief Commercial Banking Officer
Keith A. Leinenbach, Executive Vice President and Chief Credit Officer
U. Butch Klem, Lead Director
Douglas A. Bawel, Independent Director
Lonnie D. Collins, Independent Director
Christina M. Ernst, Independent Director

Who owns German American Bancorp stock?

German American Bancorp's stock is owned by many different of institutional and retail investors. Top institutional shareholders include OLD National Bancorp IN (0.11%), Russell Investments Group Ltd. (0.10%), US Bancorp DE (0.10%), Bank of Montreal Can (0.03%), First Financial Corp IN (0.02%) and First Quadrant L P CA (0.02%). Company insiders that own German American Bancorp stock include Chris A Ramsey, Christina M Ernst, Douglas A Bawel, J David Lett, Michael J Voyles, Raymond Ward Snowden and U Butch Klem. View Institutional Ownership Trends for German American Bancorp.

Who bought German American Bancorp stock? Who is buying German American Bancorp stock?

German American Bancorp's stock was bought by a variety of institutional investors in the last quarter, including US Bancorp DE, Russell Investments Group Ltd., OLD National Bancorp IN, Bank of Montreal Can, First Quadrant L P CA and First Financial Corp IN. Company insiders that have bought German American Bancorp stock in the last two years include Chris A Ramsey, Christina M Ernst, Douglas A Bawel, J David Lett, Michael J Voyles, Raymond Ward Snowden and U Butch Klem. View Insider Buying and Selling for German American Bancorp.

How do I buy German American Bancorp stock?

Shares of German American Bancorp can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.

What is German American Bancorp's stock price today?

One share of German American Bancorp stock can currently be purchased for approximately $35.79.

MarketBeat Community Rating for German American Bancorp (NASDAQ GABC)

Community Ranking:		1.4 out of 5 ()
Outperform Votes:		43 (Vote Outperform)
Underperform Votes:		114 (Vote Underperform)
Total Votes:		157

MarketBeat's community ratings are surveys of what our community members think about German American Bancorp and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.

Consensus Ratings for German American Bancorp (NASDAQ:GABC) (How are Consensus Ratings Calculated?)

Ratings Breakdown:	4 Hold Ratings
Consensus Rating:	Hold (Score: 2.00)
Consensus Price Target:	$38.67 (8.04% upside)

Analysts' Ratings History for German American Bancorp (NASDAQ:GABC)

Show:

Date	Firm	Action	Rating	Price Target	Impact on Share Price
5/25/2017	Hilliard Lyons	Upgrade	Underperform -> Neutral	$33.00	Medium
4/26/2017	Sandler O'Neill	Downgrade	Buy -> Hold	$33.00 -> $36.00	Low
4/10/2017	Keefe, Bruyette & Woods	Reiterated Rating	Hold	$47.00	Low
10/6/2016	Raymond James Financial, Inc.	Downgrade	Outperform -> Market Perform		N/A
3/29/2016	Hovde Group	Downgrade	Outperform -> Market Perform	$35.00	N/A

(Data available from 7/26/2015 forward)

Earnings History for German American Bancorp (NASDAQ:GABC)

Earnings by Quarter for German American Bancorp (NASDAQ:GABC)

Earnings History by Quarter for German American Bancorp (NASDAQ GABC)

Date	Quarter	Consensus Estimate	Actual EPS	Revenue Estimate	Actual Revenue	Release Link	Conference Call
1/30/2017	Q4	$0.63	$0.66	$32.42 million	$33.25 million	View	N/A
10/31/2016	Q3	$0.62	$0.67	$31.96 million	$32.94 million	View	N/A
7/25/2016	Q2	$0.56	$0.64	$31.32 million	$32.73 million	View	N/A
1/25/2016	Q4	$0.55	$0.58	$25.52 million	$25.86 million	View	N/A
10/26/2015	Q3	$0.55	$0.58	$25.41 million	$26.62 million	View	N/A
7/27/2015	Q2	$0.53	$0.55	$24.79 million	$24.83 million	View	N/A
4/27/2015	Q1 2015	$0.51	$0.55	$25.04 million	$25.69 million	View	N/A
1/26/2015	Q4 2014	$0.52	$0.58	$25.09 million	$24.75 million	View	N/A
7/28/2014	Q2 2014	$0.49	$0.51	$24.51 million	$23.82 million	View	N/A
4/28/2014	Q1 2014	$0.48	$0.48	$24.02 million	$24.48 million	View	N/A
1/28/2014	Q4	$0.47	$0.50			View	N/A
10/29/2013	Q3 13	$0.47	$0.51			View	N/A

(Data available from 1/1/2011 forward)

Earnings Estimates for German American Bancorp (NASDAQ:GABC)

2017 EPS Consensus Estimate: $2.52

Quarter	Number of Estimates	Low Estimate	High Estimate	Average Estimate
Q1 2017	1	$0.59	$0.59	$0.59
Q2 2017	1	$0.62	$0.62	$0.62
Q3 2017	1	$0.65	$0.65	$0.65
Q4 2017	1	$0.66	$0.66	$0.66

(Data provided by Zacks Investment Research)

Current Dividend Information for German American Bancorp (NASDAQ:GABC)

Most Recent Dividend:	5/20/2017
Annual Dividend:	$0.52
Dividend Yield:	1.45%
Payout Ratio:	32.64% (Trailing 12 Months of Earnings) 30.06% (Based on This Year's Estimates) 27.23% (Based on Next Year's Estimates)

Dividend Payments by Quarter for German American Bancorp (NASDAQ:GABC)

Dividend History by Quarter for German American Bancorp (NASDAQ GABC)

Announced	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
4/25/2017	quarterly	$0.13	1.49%	5/8/2017	5/10/2017	5/20/2017
1/31/2017	Quarterly	$0.19	1.57%	2/8/2017	2/10/2017	2/20/2017
11/1/2016	quarterly	$0.18	1.83%	11/8/2016	11/10/2016	11/20/2016
7/26/2016	quarterly	$0.18	2.11%	8/8/2016	8/10/2016	8/20/2016
4/28/2016	quarterly	$0.18	2.16%	5/6/2016	5/10/2016	5/20/2016
1/20/2016	quarterly	$0.18	2.16%	1/27/2016	1/29/2016	2/20/2016
10/28/2015	quarterly	$0.17	2.16%	11/6/2015	11/10/2015	11/20/2015
7/29/2015	quarterly	$0.17	2.39%	8/6/2015	8/10/2015	8/20/2015
4/28/2015	quarterly	$0.17	2.24%	5/6/2015	5/10/2015	5/20/2015
1/26/2015		$0.17		2/6/2015	2/10/2015	2/20/2015
10/29/2014	quarterly	$0.16	2.2%	11/6/2014	11/10/2014	11/20/2014
7/28/2014	quarterly	$0.16	2.47%	8/6/2014	8/10/2014	8/20/2014
4/30/2014	quarterly	$0.16	2.46%	5/7/2014	5/10/2014	5/20/2014
1/28/2014	quarterly	$0.16	2.36%	2/6/2014	2/10/2014	2/20/2014
10/29/2013	quarterly	$0.15	2.28%	11/6/2013	11/10/2013	11/20/2013
7/31/2013	quarterly	$0.15	2.17%	8/7/2013	8/10/2013	8/20/2013
5/1/2013	quarterly	$0.15	3.01%	5/8/2013	5/10/2013	5/20/2013
1/29/2013	quarterly	$0.15	2.69%	2/6/2013	2/10/2013	2/20/2013

(Data available from 1/1/2013 forward)

Insider Trading and Institutional Ownership History for German American Bancorp (NASDAQ:GABC)

Insider Ownership Percentage: 8.51%
Institutional Ownership Percentage: 22.60%

Institutional Ownership by Quarter for German American Bancorp (NASDAQ:GABC)

Insider Trades by Quarter for German American Bancorp (NASDAQ:GABC)

Transaction Date	Insider Name	Title	Buy/Sell	Number of Shares	Average Share Price	Total Transaction
7/17/2017	U Butch Klem	Director	Buy	578	$34.63	$20,016.14
6/15/2017	Douglas A. Bawel	Director	Buy	22	$32.46	$714.12
6/5/2017	J David Lett	Director	Sell	360	$31.74	$11,426.40
3/16/2017	Chris A Ramsey	Director	Buy	181	$47.65	$8,624.65
3/13/2017	Chris A. Ramsey	Director	Buy	380	$46.53	$17,681.40
1/15/2017	U Butch Klem	Director	Buy	56	$49.96	$2,797.76
12/15/2016	Christina M Ernst	Director	Sell	446	$53.19	$23,722.74
11/15/2016	Raymond Ward Snowden	Director	Buy	58	$47.96	$2,781.68
10/17/2016	Christina M Ernst	Director	Buy	20	$38.27	$765.40
9/15/2016	Christina M Ernst	Director	Buy	39	$36.85	$1,437.15
8/15/2016	Raymond Ward Snowden	Director	Buy	275	$34.94	$9,608.50
7/15/2016	Christina M Ernst	Director	Buy	586	$34.13	$20,000.18
6/15/2016	U Butch Klem	Director	Buy	18	$32.83	$590.94
5/19/2016	Michael J Voyles	Director	Buy	637	$31.57	$20,110.09
5/16/2016	Douglas A Bawel	Director	Buy	38	$31.31	$1,189.78
5/11/2016	J David Lett	Director	Buy	582	$31.77	$18,490.14
5/3/2016	U Butch Klem	Director	Buy	602	$33.31	$20,052.62
4/15/2016	Chris A Ramsey	Director	Buy	18	$33.06	$595.08
12/15/2015	Chris A Ramsey	Director	Buy	748	$33.45	$25,020.60
7/9/2015	Thomas W Seger	Director	Buy	8,717	$29.14	$254,013.38
6/15/2015	Douglas A Bawel	Director	Buy	1,346	$29.71	$39,989.66
5/27/2015	Bradley M Rust	CFO	Sell	2,500	$29.00	$72,500.00
3/16/2015	U Butch Klem	Director	Buy	1,095	$29.58	$32,390.10
9/15/2014	Raymond Ward Snowden	Director	Buy	250	$27.22	$6,805.00
7/15/2014	Raymond Ward Snowden	Director	Buy	23	$26.50	$609.50
2/21/2014	U Butch Klem	Director	Buy	1,487	$26.90	$40,000.30
11/13/2013	Thomas Seger	Director	Sell	2,500	$27.59	$68,975.00
11/12/2013	Thomas Seger	Director	Sell	2,500	$27.18	$67,950.00
8/1/2013	Thomas W Seger	Director	Sell	5,000	$27.56	$137,800.00
3/15/2013	U Butch Klem	Director	Buy	1,722	$23.24	$40,019.28
12/17/2012	Douglas A Bawel	Director	Buy	1,823	$21.95	$40,014.85

(Data available from 1/1/2013 forward)

Headline Trends for German American Bancorp (NASDAQ:GABC) Latest Headlines for German American Bancorp (NASDAQ:GABC)

Source:

Date	Headline
	German American Bancorp, Inc. (NASDAQ:GABC) Given Average Recommendation of "Hold" by Brokerages www.americanbankingnews.com - July 25 at 3:10 PM
	German American Bancorp, Inc. (GABC) to Release Quarterly Earnings on Monday www.americanbankingnews.com - July 22 at 7:07 AM
	U Butch Klem Purchases 578 Shares of German American Bancorp, Inc. (GABC) Stock www.americanbankingnews.com - July 20 at 10:43 AM
	German American Bancorp, Inc. (GABC) Expected to Post Quarterly Sales of $33.20 Million www.americanbankingnews.com - July 16 at 8:36 AM
	Analysts Anticipate German American Bancorp, Inc. (NASDAQ:GABC) to Announce $0.42 Earnings Per Share www.americanbankingnews.com - July 14 at 12:26 PM
	Analysts Anticipate German American Bancorp, Inc. (GABC) to Announce $0.42 EPS www.americanbankingnews.com - June 29 at 8:52 PM
	German American Bancorp, Inc. – Value Analysis (NASDAQ:GABC) : June 28, 2017 finance.yahoo.com - June 28 at 6:29 PM
	German American Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : GABC-US : June 27, 2017 finance.yahoo.com - June 27 at 5:34 PM
	$33.20 Million in Sales Expected for German American Bancorp, Inc. (GABC) This Quarter www.americanbankingnews.com - June 22 at 11:32 AM
	Why Should You Pick German American Bancorp (GABC) Stock Now finance.yahoo.com - June 22 at 9:36 AM
	Brokerages Anticipate German American Bancorp, Inc. (GABC) Will Post Earnings of $0.42 Per Share www.americanbankingnews.com - June 20 at 10:26 AM
	German American Bancorp., Inc. (GABC) Upgraded at Zacks Investment Research www.americanbankingnews.com - June 15 at 10:02 PM
	Zacks Investment Research Lowers German American Bancorp, Inc. (GABC) to Hold www.americanbankingnews.com - June 14 at 10:58 PM
	ETFs with exposure to German American Bancorp, Inc. : June 13, 2017 finance.yahoo.com - June 13 at 5:10 PM
	Peoples Bancorp (PEBO) & German American Bancorp (GABC) Critical Contrast www.americanbankingnews.com - June 12 at 12:16 PM
	German American Bancorp., Inc. (GABC) Director Sells $11,426.40 in Stock www.americanbankingnews.com - June 7 at 1:26 PM
	German American Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : GABC-US : June 5, 2017 finance.yahoo.com - June 5 at 11:04 AM
	Zacks Investment Research Upgrades German American Bancorp., Inc. (GABC) to Buy www.americanbankingnews.com - May 31 at 11:26 PM
	ETFs with exposure to German American Bancorp, Inc. : May 31, 2017 finance.yahoo.com - May 31 at 5:18 PM
	German American Bancorp., Inc. (GABC) Lowered to "Hold" at Zacks Investment Research www.americanbankingnews.com - May 31 at 12:38 AM
	Hilliard Lyons Upgrades German American Bancorp Inc. (GABC) to Neutral Following Recent Pullback www.streetinsider.com - May 27 at 5:42 PM
	German American Bancorp., Inc. (GABC) Expected to Announce Quarterly Sales of $33.2 Million www.americanbankingnews.com - May 27 at 9:44 AM
	German American Bancorp., Inc. (GABC) Stock Rating Upgraded by Hilliard Lyons www.americanbankingnews.com - May 25 at 10:08 AM
	$0.42 Earnings Per Share Expected for German American Bancorp., Inc. (GABC) This Quarter www.americanbankingnews.com - May 25 at 7:33 AM
	ETFs with exposure to German American Bancorp, Inc. : May 19, 2017 finance.yahoo.com - May 19 at 5:08 PM
	German American Bancorp, Inc. :GABC-US: Earnings Analysis: Q1, 2017 By the Numbers : May 18, 2017 finance.yahoo.com - May 19 at 9:19 AM
	German American Bancorp, Inc. breached its 50 day moving average in a Bearish Manner : GABC-US : May 15, 2017 finance.yahoo.com - May 15 at 11:24 AM
	German American Bancorp, Inc. : GABC-US: Dividend Analysis : May 10th, 2017 (record date) : By the numbers : May 9, 2017 finance.yahoo.com - May 9 at 5:13 PM
	Somewhat Positive Press Coverage Very Likely to Affect German American Bancorp. (GABC) Stock Price www.americanbankingnews.com - May 2 at 7:48 PM
	Analysts Expect German American Bancorp., Inc. (GABC) Will Post Earnings of $0.42 Per Share www.americanbankingnews.com - May 2 at 10:32 AM
	Sandler O'Neill Lowers German American Bancorp., Inc. (GABC) to Hold www.americanbankingnews.com - April 30 at 11:34 PM
	German American Bancorp., Inc. (GABC) Rating Reiterated by Hilliard Lyons www.americanbankingnews.com - April 30 at 9:48 PM
	Somewhat Favorable Media Coverage Somewhat Likely to Impact German American Bancorp. (GABC) Stock Price www.americanbankingnews.com - April 30 at 12:22 AM
	German American Bancorp., Inc. (GABC) Upgraded by Zacks Investment Research to "Buy" www.americanbankingnews.com - April 29 at 1:13 AM
	German American Bancorp., Inc. (GABC) Sees Large Decrease in Short Interest www.americanbankingnews.com - April 27 at 12:12 PM
	German American Bancorp. (GABC) Receiving Favorable Press Coverage, AlphaOne Reports www.americanbankingnews.com - April 26 at 4:08 PM
	German American Bancorp., Inc. (GABC) Increases Dividend to $0.13 Per Share www.americanbankingnews.com - April 25 at 5:53 PM
	German American Bancorp, Inc. (GABC) Reports First Quarter Earnings & Announces Cash Dividend Increase finance.yahoo.com - April 25 at 11:16 AM
	German American Bancorp posts 1Q profit marketbeat.com - April 25 at 10:10 AM
	German American Bancorp. (GABC) Earns Daily News Impact Rating of 0.40 www.americanbankingnews.com - April 23 at 1:48 PM
	German American Bancorp. (GABC) Given Media Impact Score of 0.57 www.americanbankingnews.com - April 20 at 10:27 AM
	German American Bancorp, Inc. breached its 50 day moving average in a Bullish Manner : GABC-US : April 19, 2017 finance.yahoo.com - April 19 at 11:56 AM
	Zacks: Analysts Set $46.00 Price Target for German American Bancorp., Inc. (GABC) www.americanbankingnews.com - April 18 at 12:33 AM
	German American Bancorp. (GABC) Earns Daily Media Impact Rating of 0.31 www.americanbankingnews.com - April 17 at 7:01 PM
	German American Bancorp. (GABC) Receives News Sentiment Rating of 0.10 www.americanbankingnews.com - April 14 at 9:09 PM
	German American Bancorp., Inc. (GABC) Lowered to "Sell" at Zacks Investment Research www.americanbankingnews.com - April 11 at 11:32 PM
	Keefe, Bruyette & Woods Reaffirms "Hold" Rating for German American Bancorp., Inc. (GABC) www.americanbankingnews.com - April 10 at 10:56 PM
	Brokerages Expect German American Bancorp., Inc. (GABC) to Announce $0.61 Earnings Per Share www.americanbankingnews.com - April 10 at 10:22 PM
	Zacks: German American Bancorp., Inc. (GABC) Given $46.00 Consensus Target Price by Analysts www.americanbankingnews.com - March 29 at 12:18 PM
	Bloomberg Markets: Dave Wilson’s Stock of the Day for March 28 www.bloomberg.com - March 28 at 4:59 PM