German American Bancorp Inc (GABC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 50.90 $ — 97% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 20.6% passed
- More than 10% revenue growth is expected for the coming year 4.5% failed
- Share count grows by less than 3% a year 7.7% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 86.1% passed
- Gross margin at 40% or higher and without meaningful erosion 70.2% failed
- Goodwill from acquisitions does not grow faster than revenue 4.5% failed
- Net debt below twice EBITDA 1,051 m net cash passed
- Operating cash flow covers the profits of the last three years 80 m passed
- Return on capital at 15% or higher, or up versus two years ago 10.3% failed
- Insiders hold at least 10% or are net buyers 3.2% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 7.7% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.93 | 3.90 – 3.96 | 405 | 11.5% | 5 |
| 12/31/2027 | 4.09 | 3.90 – 4.30 | 423 | 4.1% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.97 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.78 | 7.50 | 91 | 9.80 | 25.60 | 29 | 28 |
| 2025: Q1 | 0.30 | -52.80 | 111 | 32.10 | 9.50 | 38 | 37 |
| 2025: Q2 | 0.87 | 25.60 | 123 | 136.10 | 25.50 | 27 | 26 |
| 2025: Q3 | 0.96 | 35.30 | 127 | 43.00 | 27.70 | 52 | 50 |
| 2025: Q4 | 0.95 | 21.70 | 127 | 39.70 | 28.20 | 43 | 41 |
| 2026: Q1 | 0.88 | 191.40 | 123 | 10.70 | 27.00 | 37 | 36 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 135 | 49 | 35 | 1.57 | 42 | 330 | 2,956 |
| 2017 | 143 | 52 | 41 | 1.77 | 55 | 365 | 3,144 |
| 2018 | 171 | 56 | 47 | 1.99 | 62 | 459 | 3,929 |
| 2019 | 222 | 71 | 59 | 2.29 | 65 | 574 | 4,398 |
| 2020 | 229 | 75 | 62 | 2.34 | 92 | 625 | 4,978 |
| 2021 | 230 | 103 | 84 | 3.17 | 101 | 668 | 5,609 |
| 2022 | 278 | 99 | 82 | 2.78 | 110 | 558 | 6,156 |
| 2023 | 317 | 104 | 86 | 2.91 | 107 | 664 | 6,152 |
| 2024 | 315 | 104 | 84 | 2.83 | 96 | 715 | 6,296 |
| 2025 | 487 | 140 | 113 | 3.06 | 159 | 1,162 | 8,389 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
German American Bancorp, Inc. ist als Finanzholdinggesellschaft der German American Bank tätig, die Privat- und Firmenkunden-Bankgeschäfte und Vermögensverwaltungsdienste anbietet.
| Employees | 984 |
|---|---|
| Headquarters | Jasper, IN |
| Address | 711 Main Street, 47546 Jasper, United States |
| Phone | 812 482 1314 |
| Website | germanamerican.com |
| IPO Date | 21. May 1993 |
| ISIN | US3738651047 |
| Stock Split | 3:2 on 04/24/2017 |
Management
| Name | Title | Birth Year |
|---|---|---|
| D. Neil Dauby CPA | CEO & Chairman | 1964 |
| Bradley M. Rust | President, CFO & Treasurer | 1967 |
| Amy D. Jackson | Executive VP & Chief Administrative Officer | 1977 |
| Bradley C. Arnett | Executive VP, Chief Legal Officer & Corporate Secretary | 1965 |
| Michael F. Beckwith | Executive VP & Chief Banking Officer | – |
| Vicki L. Schuler | Senior VP, Controller & Principal Accounting Officer | 1975 |
| Terri A. Eckerle | Vice President, Executive Admin & Strategic Customer Service | – |
| Jane A. Balsmeyer | Senior Vice President of Marketing | – |
| Brock C. Goggins | Senior Vice President of Retail Banking | – |
| C. Adrian Brown | Senior Regional President | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 16. Jul 2026 | Seger Andrew M | Director | Buy | 418 | 47.84 | 19,996 |
| 16. Jul 2026 | Stokes Ronnie R | Director | Buy | 314 | 47.84 | 15,021 |
| 16. Jul 2026 | Ryan Christina M | Director | Buy | 418 | 47.84 | 19,996 |
| 16. Jul 2026 | Kelly Jason M | Director | Buy | 418 | 47.84 | 19,996 |
| 16. Jul 2026 | Bawel Zachary W | Director | Buy | 418 | 47.84 | 19,996 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.