NASDAQ · Banks - Regional

German American Bancorp, Inc. (GABC) Stock

$50.84 -0.55% NASDAQ: GABC Financial Services

Valuation

MetricValue
Price$50.84
Market Cap$1.91B
P/E Ratio13.03
P/B Ratio1.53
P/S Ratio3.69
EPS (TTM)$3.06
52-Week High$52.23
52-Week Low$37.19
Dividend Yield2.51%

Financials & Margins

MetricValue
ROE12.17%
ROA1.68%
ROCE2.11%
Gross Margin28.75%
Operating Margin28.75%
Net Margin28.24%
Debt/Equity0.15
Current Ratio0.18

Annual Financials (USD)

Metric20212022202320242025
Revenue$230.0M$278.0M$317.0M$315.0M$487.0M
Operating Profit$103.0M$99.0M$104.0M$104.0M$140.0M
Net Profit$84.0M$82.0M$86.0M$84.0M$113.0M
EPS$3.17$2.78$2.91$2.83$3.06
Op Margin44.7%35.7%32.7%33.0%28.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$5.6B$6.2B$6.2B$6.3B$8.4B
Total Liabilities$4.9B$5.6B$5.5B$5.6B$7.2B
Cash$48.0M$76.0M$79.0M$70.0M$72.0M
Borrowings$152.0M$204.0M$194.0M$210.0M$183.0M

Latest News

Spotting Winners: German American Bancorp (NASDAQ:GABC) And Regional Banks Stocks In Q4 StockStory · Jul 3, 2026 3 Small-Cap Stocks That Concern Us StockStory · Jul 2, 2026 3 Reasons GABC is Risky and 1 Stock to Buy Instead StockStory · Jul 2, 2026 3 Reasons to Sell GABC and 1 Stock to Buy Instead StockStory · Jun 30, 2026 Unpacking Q4 Earnings: German American Bancorp (NASDAQ:GABC) In The Context Of Other Regional Banks Stocks StockStory · Jun 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$101.0M$110.0M$107.0M$96.0M$159.0M
Investing Cash Flow$-645.0M$-32.0M$22.0M$-87.0M$-66.0M
Financing Cash Flow$655.0M$-325.0M$-97.0M$76.0M$-70.0M
Net Cash Flow$51.0M$-278.0M$-2.0M$73.0M$-70.0M
Free Cash Flow$96.0M$102.0M$101.0M$91.0M$154.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.30
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y20.04%
Return 3Y80.65%
Return 5Y52.28%

Ownership

Insiders Held3.23%
Institutions Held53.82%
Institutions Float Held55.62%
Institutional HolderSharesReport Date
Blackrock Inc.2,706,4692026-03-31
Franklin Resources, Inc.1,880,5462026-03-31
Vanguard Capital Management LLC1,523,1552026-03-31
Dimensional Fund Advisors LP1,219,9582026-03-31
Charles Schwab Investment Management, Inc.1,152,6952026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BFCBank First Corporation $147.34 +1.36% 19.31 $1.63B 1.61%
GSBCGreat Southern Bancorp, Inc. $80.93 +2.53% 13.12 $881.93M 2.17%
LKFNLakeland Financial Corporation $58.39 -0.80% 13.49 $1.45B 3.52%
NBTBNBT Bancorp Inc. $52.87 +0.15% 12.22 $2.75B 3.19%
ONBOld National Bancorp $25.32 +0.64% 10.94 $9.69B 2.32%

About German American Bancorp, Inc.

German American Bancorp, Inc. is led by CEO D. Neil Dauby, employs 1,020 people, headquartered in US, publicly traded since 1993.

German American Bancorp, Inc. (GABC) stock trades at $50.84 with a market capitalization of $1.91B. The stock is valued at a price-to-earnings (P/E) ratio of 13.03, price-to-book of 1.53, price-to-sales of 3.69. Over the past 52 weeks the stock has ranged between $37.19 and $52.23, and currently trades 2.7% below its 52-week high. It pays a dividend yielding 2.51%.

On profitability, German American Bancorp, Inc. generates a return on equity (ROE) of 12.17%, return on capital employed of 2.11%, an operating margin of 28.75%, a net profit margin of 28.24%.

German American Bancorp, Inc. by the numbers, 2016–2025

Between 2016 and 2025 German American Bancorp, Inc. reported revenue of $135.0M rising to $487.0M, a change of +260.7% across 10 years. Compounded, revenue has grown 16.3% a year over five years, 20.6% over three, 54.6% over the last twelve months. Net profit rose to $113.0M.

Operating margin went from 36.3% in 2016 to 28.7% in 2025, a fall of 7.6 percentage points. The most recent net margin is 28.24%. On a trailing twelve-month basis to Jun '26, revenue is $504.0M and net profit $142.0M.

Borrowings fell from $258.0M to $183.0M, cash from operations was $159.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 12.3% over five years, and was 9.7% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

German American Bancorp, Inc. (GABC) — frequently asked questions

What is German American Bancorp, Inc. (GABC) stock price today?

German American Bancorp, Inc. (GABC) is currently trading at $50.84, down 0.55% today.

What is GABC P/E ratio?

German American Bancorp, Inc.'s P/E ratio is 13.03. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is GABC return on equity (ROE)?

German American Bancorp, Inc.'s return on equity (ROE) is 12.17%. ROE measures net income relative to shareholders' equity. This is within the typical market range of roughly 12-15%.

What is German American Bancorp, Inc.'s market cap?

German American Bancorp, Inc. has a market capitalization of $1.91B.

Does GABC pay a dividend?

Yes. German American Bancorp, Inc. currently yields 2.51%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does GABC carry?

German American Bancorp, Inc. has a debt-to-equity ratio of 0.15. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is GABC's profit margin?

German American Bancorp, Inc. reports a net profit margin of 28.24% — the share of revenue left after every cost, including tax and interest.

What sector is GABC in?

German American Bancorp, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is GABC listed on?

German American Bancorp, Inc. trades on NASDAQ under the ticker GABC.

What is GABC's 52-week range?

Over the last year German American Bancorp, Inc. has traded between $37.19 and $52.23.

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Screens GABC currently matches

On the figures above, German American Bancorp, Inc. passes the filters for 16 of our ready-made screens, among them Undervalued Stocks, Undervalued Dividend Stocks, Dividend Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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