GABC
German American Bancorp, Inc.
GABC's fundamentals are strong: its operating margin rose 8 points to 46% and revenue grew 19%. At 13x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
GABC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
GABC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like GABC.
GABC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $44.81 | -9.8% |
| Forward | 12x | $49.70 | — |
| Current | 13x | $49.70 | — |
| Fair | 14x | $52.85 | +6.3% |
| Expensive | 15x | $58.58 | +18% |
Historical ranges are pointers, not guarantees.
GABC's PE is in its cheap range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
GABC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for GABC, with profitability improving.
GABC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.10 | +4.9% |
| Q3 2026 | $3.91 | +36% |
| Q2 2026 | $3.82 | +45% |
| Q1 2026 | $3.64 | +46% |
| Q4 2025 | $3.06 | +8.1% |
| Q3 2025 | $2.87 | +4% |
| Q2 2025 | $2.64 | -5% |
| Q1 2025 | $2.49 | -12% |
| Q4 2024 | $2.83 | -2.7% |
GABC earned $3.91 per share over the past year, up 36% from the year before.
GABC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $102.2M | +8.6% |
| Q2 2026 | $100M | +11% |
| Q1 2026 | $96.1M | +18% |
| Q4 2025 | $96M | +47% |
| Q3 2025 | $94.2M | +51% |
| Q2 2025 | $89.9M | +39% |
| Q1 2025 | $81.4M | +34% |
| Q4 2024 | $65.1M | +6.4% |
GABC's revenue has grown year over year for 10 quarters in a row: $102M last quarter, up 8.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +1.1 points |
| Q2 2026 | 48% | +4.5 points |
| Q1 2026 | 43% | +27 points |
| Q4 2025 | 46% | +1.6 points |
| Q3 2025 | 46% | +5.4 points |
| Q2 2025 | 44% | +2.6 points |
| Q1 2025 | 16% | -22 points |
| Q4 2024 | 44% | +2.4 points |
GABC's operating margin was 48% last quarter, up 1.1 points from the same quarter a year ago.
GABC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $31.4M | -37% |
| Q2 2026 | $55.3M | +111% |
| Q1 2026 | $36M | -1.9% |
| Q4 2025 | $41M | +46% |
| Q3 2025 | $50.1M | +118% |
| Q2 2025 | $26.2M | +54% |
| Q1 2025 | $36.7M | +62% |
| Q4 2024 | $28M | -4.4% |
GABC's free cash flow was $164M over the past year, up 16% from the year before. Free cash flow isn't a meaningful measure for financial services companies like GABC.
GABC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +14.1K shares |
| 1 year | +0.2% | +85.4K shares |
| 3 years | +27% | +8M shares |
| 5 years | +42% | +11M shares |
| Available history | +46% | +11.8M shares |
GABC has 38M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2020 | $1.2M |
| Q1 2020 | $4.5M |
GABC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.5x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.7x | Very low |
| Q2 2025 | 0.9x | Very low |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 0.4x | Very low |
GABC's net debt is about a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like GABC.
GABC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 41.5 | Neutral |
GABC's weekly RSI is 57 (neutral) and its Stochastic is 41 (neutral).
GABC PE vs Financial Services Sector
| Metric | GABC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 2.4% below |
| PE % | 32 | 63 | 31 pts below |
GABC is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
GABC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.6 | 0.3% above |
| 20 week MA | $49.5 | 0.4% above |
| 50 week MA | $45.2 | 10% above |
| 100 week MA | $42.1 | 18% above |
| 200 week MA | $37.9 | 31% above |
GABC is in an uptrend: it's above all five of its weekly moving averages, and 31% above its 200-week average.
GABC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.7 | $32.4 | -9.1% |
| 2021 | $32.4 | $39.2 | +21% |
| 2022 | $39.2 | $37.3 | -4.8% |
| 2023 | $37.3 | $32.4 | -13% |
| 2024 | $32.4 | $40.6 | +25% |
| 2025 | $40.6 | $40.1 | -1.1% |
| 2026 YTD | $40.1 | $49.7 | +24% |
GABC has finished lower in four of the last six years. It's up 24% so far in 2026.