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German American Bancorp, Inc.
GABC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.8B
$47.38
▼ -1.42%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$36.56 - $48.94
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 19.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 112+ year operating history and established brand recognition in Indiana and Kentucky markets
- Extensive regional branch network with 77 banking offices providing local market presence and relationship banking advantages
- Diversified revenue streams across banking, wealth management, and insurance reducing earnings volatility
- Deep community relationships and local market expertise in 33 counties across two states
- Integrated financial services model allowing cross-selling opportunities and customer retention
Bear Case
2 risks
- Low volatility (beta 0.6).
- Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of wealth management services to higher-margin advisory and trust business
Value
Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+12.7% over 3m
Quality
Excellent
High-growth business (112% revenue growth, 74% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.50% yield
Smart-money signal
Who's buying GABC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 27, 2026
APR 27, 2026
Reported EPS of $0.88 vs $0.90 consensus (-2.2% surprise). Revenue of $97.4M vs $95.8M expected (+1.7%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-2.2%
Next: Jul 27, 2026
Revenue trend · last 8Q
—
—
—
+34%
+238%
+51%
-56%
+51%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$26.6M
$62.4M
$65.1M
$81.4M
$123.2M
$126.5M
$126.7M
$122.9M
Margins · last 8Q
Gross
—
Operating
—
Profit
27.0%
Wall Street consensus
3 analysts · 67% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
67%
Hold
33%
Sell
0%
Median Price Target
$49.00
▲ +3.4% vs $47.38
Latest: Keefe, Bruyette & Woods · Apr 29, 2026
1 analyst covering