German American Bancorp Inc.

GABC | NASDAQ

Price Alert Chart Builder DCF Calculator

$49.18

+$0.05 (+0.10%)

At close: Sep 21, 2026, 4:00 PM ET

-

After-hours:

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.85B

Enterprise Value $1.94B

Beta 0.57

Average Volume 151.83K

Shares Outstanding (Diluted) 37.56M

Shares Change YoY 4.09%

Institutional Ownership 52.85%

Exchange NASDAQ

ISIN US3738651047

Price Performance

Price Change 1M -1.9%

Price Change 3M 7.1%

Price Change 6M 19.3%

Price Change YTD 26.5%

Price Change 1Y 22.0%

Price Change 3Y 80.7%

Price Change 5Y 30.1%

1M CAGR (ann.) -2.0%

1Y CAGR (ann.) 21.9%

5Y CAGR (ann.) 9.6%

All-Time CAGR 11.8%

Valuation

PE Ratio 12.98

Forward PE 12.22

PEG Ratio 0.30

Forward PEG 2.63

PS Ratio 3.67

Forward PS 4.40

PB Ratio 1.52

P/FCF Ratio 12.05

P/Adj. FCF Ratio 12.28

P/OCF Ratio 9.74

EV/Sales 3.85

EV/EBIT 10.92

EV/EBITDA 9.65

EV/FCF 12.63

Earnings Yield 7.7%

FCF Yield 8.3%

Adj. FCF Yield 8.1%

Financial Health

Net Debt $89.39M

Total Debt $169.04M

Cash & Short-Term Investments $79.65M

Total Assets $8.44B

Current Ratio 2.93

Quick Ratio 2.93

Debt / Equity Ratio 0.14

Debt / EBITDA 0.84

Debt / FCF 1.10

OCF / Debt 0.94

Interest Coverage 1.52

Altman Z-Score 0.40

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 75.5%

Operating Profit Margin 35.3%

EBITDA Margin 39.9%

Net Profit Margin 28.2%

FCF Margin 30.5%

Adj. FCF Margin 29.9%

SBC / Revenue 0.6%

SBC Impact (per share) -1.9%

Returns

Return on Assets 1.7%

Return on Equity 12.2%

Return on Invested Capital 5.5%

Return on Capital Employed 2.1%

Return on Tangible Assets 1.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 18.9%

Revenue CAGR 5Y 17.1%

Revenue CAGR 10Y 15.4%

EPS CAGR 3Y 6.7%

EPS CAGR 5Y 4.9%

EPS CAGR 10Y 10.0%

FCF CAGR 3Y 19.6%

FCF CAGR 5Y 11.6%

FCF CAGR 10Y 17.4%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 8

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 25, 2026

EPS Estimate (next Q) $1

EPS Growth Est (next Q) 8.7%

Revenue Est (next Q) $102.63M

Revenue Growth Est (next Q) 9.0%

Fair Value Estimates

Graham Number $52.44

Graham Upside 6.6%

Lynch Fair Value $18.95

Lynch Upside -61.5%

Price Target $54.50

Price Target Upside 10.8%

Cash Flow

Operating Cash Flow $158.43M

Free Cash Flow $153.3M

Adj. Free Cash Flow $150.41M

FCF Per Share $4.86

OCF Per Share $5.05

OCF/S Ratio 37.7%

Income Statement

Revenue $503.04M

Gross Profit $379.75M

Operating Income $177.35M

EBITDA $200.62M

Net Income $142.08M

EPS (Diluted) $3.79

Revenue / Employee $511.22K

Profit / Employee $144.39K

Employees 984

Dividends

Annual Dividend $1.22

Dividend Yield 2.48%

Payout Ratio 32.2%

FCF Payout Ratio 28.7%

Adj. FCF Payout Ratio 29.3%

Dividend Growth (YoY) 7.0%

Pay Frequency Quarterly

Ex-Dividend Date Aug 9, 2026