German American Bancorp Statistics
Total Valuation
GABC has a market cap or net worth of $1.86 billion. The enterprise value is $2.06 billion.
| Market Cap | 1.86B |
| Enterprise Value | 2.06B |
Important Dates
The last earnings date was Monday, October 26, 2026, after market close.
| Earnings Date | Oct 26, 2026 |
| Ex-Dividend Date | Nov 10, 2026 |
Share Statistics
GABC has 37.58 million shares outstanding. The number of shares has increased by 7.76% in one year.
| Current Share Class | 37.58M |
| Shares Outstanding | 37.58M |
| Shares Change (YoY) | +7.76% |
| Shares Change (QoQ) | +0.04% |
| Owned by Insiders (%) | 2.58% |
| Owned by Institutions (%) | 53.96% |
| Float | 36.48M |
Valuation Ratios
The trailing PE ratio is 12.78 and the forward PE ratio is 12.09.
| PE Ratio | 12.78 |
| Forward PE | 12.09 |
| PS Ratio | 4.83 |
| Forward PS | 4.41 |
| PB Ratio | 1.64 |
| P/TBV Ratio | 2.48 |
| P/FCF Ratio | 10.24 |
| P/OCF Ratio | 9.85 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 14.20 |
| EV / Sales | 5.34 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.34 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.23 |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.47 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.81%.
| Return on Equity (ROE) | 12.81% |
| Return on Assets (ROA) | 1.73% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.61% |
| Revenue Per Employee | $393,331 |
| Profits Per Employee | $148,012 |
| Employee Count | 984 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, GABC has paid $36.56 million in taxes.
| Income Tax | 36.56M |
| Effective Tax Rate | 20.07% |
Stock Price Statistics
The stock price has increased by +28.70% in the last 52 weeks. The beta is 0.60, so GABC's price volatility has been lower than the market average.
| Beta (5Y) | 0.60 |
| 52-Week Price Change | +28.70% |
| 50-Day Moving Average | 49.42 |
| 200-Day Moving Average | 45.78 |
| Relative Strength Index (RSI) | 50.41 |
| Average Volume (20 Days) | 153,162 |
Short Selling Information
The latest short interest is 1.35 million, so 3.58% of the outstanding shares have been sold short.
| Short Interest | 1.35M |
| Short Previous Month | 1.34M |
| Short % of Shares Out | 3.58% |
| Short % of Float | 3.69% |
| Short Ratio (days to cover) | 8.94 |
Income Statement
In the last 12 months, GABC had revenue of $387.04 million and earned $145.64 million in profits. Earnings per share was $3.88.
| Revenue | 387.04M |
| Gross Profit | 387.04M |
| Operating Income | 195.18M |
| Pretax Income | 182.21M |
| Net Income | 145.64M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.88 |
Balance Sheet
The company has $68.53 million in cash and $268.12 million in debt, with a net cash position of -$199.60 million or -$5.31 per share.
| Cash & Cash Equivalents | 68.53M |
| Total Debt | 268.12M |
| Net Cash | -199.60M |
| Net Cash Per Share | -$5.31 |
| Equity (Book Value) | 1.15B |
| Book Value Per Share | 30.71 |
| Working Capital | -6.86B |
Cash Flow
In the last 12 months, operating cash flow was $189.63 million and capital expenditures -$7.23 million, giving a free cash flow of $182.40 million.
| Operating Cash Flow | 189.63M |
| Capital Expenditures | -7.23M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -32.71M |
| Free Cash Flow | 182.40M |
| FCF Per Share | $4.85 |
Margins
| Gross Margin | n/a |
| Operating Margin | 50.43% |
| Pretax Margin | 47.08% |
| Profit Margin | 37.63% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 48.03% |
Dividends & Yields
This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 2.50%.
| Dividend Per Share | $1.24 |
| Dividend Yield | 2.50% |
| Dividend Growth (YoY) | 6.90% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 31.96% |
| FCF Payout Ratio | 25.55% |
| Buyback Yield | -7.76% |
| Shareholder Yield | -5.28% |
| Earnings Yield | 7.82% |
| FCF Yield | 9.76% |
Analyst Forecast
The average price target for GABC is $56.40, which is 13.71% higher than the current price. The consensus rating is "Buy".
| Price Target | $56.40 |
| Price Target Difference | 13.71% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 7.04% |
| EPS Growth Forecast (3Y) | 7.72% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on April 24, 2017. It was a forward split with a ratio of 1.5:1.
| Last Split Date | Apr 24, 2017 |
| Split Type | Forward |
| Split Ratio | 1.5:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |