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German American Bancorp, Inc. GABC

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Price alert · GABC

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49.83 USD -0.40 -0.81%

As of Nov 3, 12:25 PM ET

Bid
49.78 × 1
Ask
49.89 × 2
49.63 Day range 51.00
37.73 52-week range 52.23
YTD
+27.17%
1 year
+27.89%
Open
50.25
Prev close
50.23
Mkt cap
1.87B
Vol
37.72K
Avg vol
137.67K
EPS
3.89
P/E
12.81
Div yield
2.51%
More statistics
Low
49.63
High
51.00
Forward P/E
12.07
Beta
0.61
Short ratio
8.94
Inst. own
54.73%
Dividend
1.24
Ex-div date
Nov 9, 2026
Earnings
Jan 25, 2027
50-d avg
49.42
200-d avg
45.69
1y target
56.40

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Financial health

Altman Z-Score

0.42 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 12.8×
FY 2016: 22.3×FY 2017: 20.0×FY 2018: 14.0×FY 2019: 15.6×FY 2020: 14.1×FY 2021: 12.3×FY 2022: 13.4×FY 2023: 11.1×FY 2024: 14.2×FY 2025: 12.8×
FY 2016 5y median 12.8× FY 2025
P/S 3.0×
FY 2016: 5.8×FY 2017: 5.7×FY 2018: 3.8×FY 2019: 4.1×FY 2020: 3.8×FY 2021: 4.5×FY 2022: 4.0×FY 2023: 3.0×FY 2024: 3.8×FY 2025: 3.0×
FY 2016 5y median 3.8× FY 2025
P/B 1.2×
FY 2016: 2.4×FY 2017: 2.2×FY 2018: 1.4×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 2.0×FY 2023: 1.4×FY 2024: 1.7×FY 2025: 1.2×
FY 2016 5y median 1.5× FY 2025
P/FCF 9.4×
FY 2016: 21.4×FY 2017: 18.5×FY 2018: 13.8×FY 2019: 16.5×FY 2020: 10.3×FY 2021: 10.8×FY 2022: 10.8×FY 2023: 9.4×FY 2024: 13.1×FY 2025: 9.4×
FY 2016 5y median 10.8× FY 2025
EV/EBITDA 9.8×
FY 2016: 18.6×FY 2017: 18.2×FY 2018: 15.4×FY 2019: 15.1×FY 2020: 12.0×FY 2021: 10.2×FY 2022: 11.2×FY 2023: 9.5×FY 2024: 11.8×FY 2025: 9.8×
FY 2016 5y median 10.2× FY 2025
EV/Sales 3.2×
FY 2016: 7.3×FY 2017: 7.3×FY 2018: 5.6×FY 2019: 5.4×FY 2020: 4.4×FY 2021: 5.0×FY 2022: 4.4×FY 2023: 3.4×FY 2024: 4.2×FY 2025: 3.2×
FY 2016 5y median 4.2× FY 2025
FCF Yield 10.7%
FY 2016: 4.7%FY 2017: 5.4%FY 2018: 7.3%FY 2019: 6.1%FY 2020: 9.7%FY 2021: 9.3%FY 2022: 9.3%FY 2023: 10.6%FY 2024: 7.6%FY 2025: 10.7%
FY 2016 5y median 9.3% FY 2025

Profitability

Gross Margin 70.2%
FY 2016: 92.9%FY 2017: 91.0%FY 2018: 87.6%FY 2019: 83.5%FY 2020: 84.0%FY 2021: 98.7%FY 2022: 91.1%FY 2023: 78.3%FY 2024: 67.3%FY 2025: 70.2%
FY 2016 5y median 78.3% FY 2025
Operating Margin 28.7%
FY 2016: 36.3%FY 2017: 36.5%FY 2018: 32.8%FY 2019: 32.1%FY 2020: 32.8%FY 2021: 44.7%FY 2022: 35.7%FY 2023: 32.7%FY 2024: 33.0%FY 2025: 28.7%
FY 2016 5y median 33.0% FY 2025
Net Margin 23.1%
FY 2016: 26.0%FY 2017: 28.5%FY 2018: 27.2%FY 2019: 26.7%FY 2020: 27.2%FY 2021: 36.6%FY 2022: 29.4%FY 2023: 27.1%FY 2024: 26.6%FY 2025: 23.1%
FY 2016 5y median 27.1% FY 2025
ROE 9.7%
FY 2016: 10.7%FY 2017: 11.2%FY 2018: 10.1%FY 2019: 10.3%FY 2020: 10.0%FY 2021: 12.6%FY 2022: 14.7%FY 2023: 12.9%FY 2024: 11.7%FY 2025: 9.7%
FY 2016 5y median 12.6% FY 2025
ROIC 8.1%
FY 2016: 6.0%FY 2017: 6.4%FY 2018: 5.6%FY 2019: 6.4%FY 2020: 7.6%FY 2021: 10.3%FY 2022: 10.7%FY 2023: 9.6%FY 2024: 8.7%FY 2025: 8.1%
FY 2016 5y median 9.6% FY 2025
ROA 1.3%
FY 2016: 1.2%FY 2017: 1.3%FY 2018: 1.2%FY 2019: 1.3%FY 2020: 1.2%FY 2021: 1.5%FY 2022: 1.3%FY 2023: 1.4%FY 2024: 1.3%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 54.5%
FY 2016: 24.1%FY 2017: 5.5%FY 2018: 19.6%FY 2019: 29.9%FY 2020: 3.1%FY 2021: 0.4%FY 2022: 21.0%FY 2023: 14.0%FY 2024: -0.5%FY 2025: 54.5%
FY 2016 FY 2025
Operating Income 34.6%
FY 2016: 17.9%FY 2017: 6.3%FY 2018: 7.4%FY 2019: 27.1%FY 2020: 5.3%FY 2021: 37.0%FY 2022: -3.5%FY 2023: 4.5%FY 2024: 0.4%FY 2025: 34.6%
FY 2016 FY 2025
EPS (diluted) 8.1%
FY 2016: 4.0%FY 2017: 12.7%FY 2018: 12.4%FY 2019: 15.1%FY 2020: 2.2%FY 2021: 35.5%FY 2022: -12.3%FY 2023: 4.7%FY 2024: -2.7%FY 2025: 8.1%
FY 2016 FY 2025
Free Cash Flow 69.8%
FY 2016: 23.7%FY 2017: 19.1%FY 2018: 7.9%FY 2019: 18.5%FY 2020: 52.8%FY 2021: 12.7%FY 2022: 6.3%FY 2023: -0.7%FY 2024: -10.6%FY 2025: 69.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.6×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 0.7×
FY 2016: 3.9×FY 2017: 4.0×FY 2018: 5.0×FY 2019: 3.6×FY 2020: 1.6×FY 2021: 0.9×FY 2022: 1.2×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 0.7×
FY 2016 5y median 1.0× FY 2025
Interest Coverage 1.1×
FY 2016: 5.8×FY 2017: 4.7×FY 2018: 2.9×FY 2019: 2.3×FY 2020: 3.9×FY 2021: 10.8×FY 2022: 5.4×FY 2023: 1.6×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 3.0%
FY 2016: 1.4%FY 2017: 1.5%FY 2018: 2.2%FY 2019: 1.9%FY 2020: 2.3%FY 2021: 2.1%FY 2022: 2.5%FY 2023: 3.1%FY 2024: 2.7%FY 2025: 3.0%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 38.4%
FY 2016: 30.2%FY 2017: 29.1%FY 2018: 30.2%FY 2019: 29.6%FY 2020: 32.4%FY 2021: 26.4%FY 2022: 33.0%FY 2023: 34.3%FY 2024: 38.0%FY 2025: 38.4%
FY 2016 5y median 34.3% FY 2025

Annual · latest fiscal year ends 2025-12-31