Is German American Bancorp, Inc. (GABC) Overvalued?
We dive into why German American Bancorp, Inc. (GABC) could be considered overvalued on 2026-08-05, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.
Commentary & Analysis
What You Need to Know About German American Bancorp, Inc.'s Q3 Earnings
German American Bancorp, Inc.'s fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (GABC) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About German American Bancorp, Inc.'s Q2 Earnings
German American Bancorp, Inc.'s fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (GABC) missed or beat analyst's expectations.Tudor Pop
Why German American Bancorp, Inc.’s (GABC) Stock Is Up 5.05%
As of Tuesday, January 27, German American Bancorp, Inc.’s GABC share price has surged by 5.05%, which has investors questioning if this is right time to sell.Jenna Brashear
What You Need to Know About German American Bancorp, Inc.'s Q1 Earnings
German American Bancorp, Inc.'s fiscal Q1 earnings report was released on Monday, January 26. Let's dive in to see if (GABC) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | GABC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,875.9 | $751.0 | 53% |
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| Shares Out (Mil) | 37.6 | 15.4 | 41% |
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| Institutional Ownership | 93.1% | 83.2% | 63% |
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| Float (Mil) | 35.8 | 21.8 | 40% |
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| Beta | 0.58 | 0.43 | 34% |
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| Avg Daily Volume (000s) | 133 | 42 | 39% |
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| Price Change (52-week) |
24.7% | 94.6% | 65% |
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| Growth | GABC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.2% | 7.7% | 66% |
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| Net Income (5yr) | 12.6% | 11.1% | 59% |
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| EPS (5yr) | 5.5% | 10.1% | 39 |
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| Dividends (5yr) | 8.6% | 3.6% | 82% |
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| Cash Flow (5yr) | (17.2%) | (17.1%) | 41% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 6 | 6 | 6 | |
| Current EPS | $1.008 | $3.922 | $4.115 | |
| Month Ago EPS | $0.960 | $3.742 | $3.972 | |
| # Rev Up | 1 | 2 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.968 | $3.758 | $3.986 | |
| Year/Year Chg | (0.8%) | 28.2% | na | |
| Financials | GABC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $380 | $196 | 38% |
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| Net Income (TTM) (Mil) | $142 | $55 | 64% |
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| EPS (TTM) | $3.786 | $2.600 | 82% |
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| Operating Cash Flow (TTM) (Mil) | $190 | $36 | 58% |
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| Net Cash Flow (TTM) (Mil) | ($106) | $2 | 14% |
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| Long-Term Debt (Q1) (Mil) | $142 | $101 | 47% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | GABC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.55 | 1.25 | 40% |
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| P/E | 13.2 | 12.5 | 31% |
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| Dividend Yield | 2.5% | 2.2% | 81% |
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| PEG (5yr hist) | 2.4 | 1.1 | 72% |
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| Ratios | GABC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 37.4% | 29.1% | 93% |
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| ROA | 1.7% | 1.1% | 53% |
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| ROE | 12.5% | 11.3% | 65% |
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| Liabilities to Assets | 85.6% | 89.7% | 79% |
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| F-Score | 5 | 4 | 50% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
