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Upturn AI SWOT - About
GABC 
German American Bancorp Inc (GABC)
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Upturn Advisory Summary
09/12/2025: GABC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $46.17
1 Year Target Price $46.17
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.53B USD | Price to earnings Ratio 15.38 | 1Y Target Price 46.17 |
Price to earnings Ratio 15.38 | 1Y Target Price 46.17 | ||
Volume (30-day avg) 6 | Beta 0.64 | 52 Weeks Range 32.26 - 46.04 | Updated Date 09/14/2025 |
52 Weeks Range 32.26 - 46.04 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.78% | Basic EPS (TTM) 2.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.64% | Operating Margin (TTM) 48.58% |
Management Effectiveness
Return on Assets (TTM) 1.19% | Return on Equity (TTM) 9.8% |
Valuation
Trailing PE 15.38 | Forward PE 12.84 | Enterprise Value 1539235456 | Price to Sales(TTM) 5.46 |
Enterprise Value 1539235456 | Price to Sales(TTM) 5.46 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 37492900 | Shares Floating 35848858 |
Shares Outstanding 37492900 | Shares Floating 35848858 | ||
Percent Insiders 4.41 | Percent Institutions 52.35 |
Upturn AI SWOT
German American Bancorp Inc
Company Overview
History and Background
German American Bancorp Inc. was founded in 1910 in Jasper, Indiana. Initially, it focused on serving the local community with basic banking services. Over the years, it expanded through organic growth and acquisitions, becoming a regional financial services provider.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending and deposit services to businesses of all sizes, including commercial real estate financing, equipment loans, and working capital lines of credit.
- Retail Banking: Offers traditional retail banking products and services, such as checking accounts, savings accounts, mortgage loans, and consumer loans.
- Wealth Management: Provides wealth management services, including investment advisory, financial planning, and trust services to individuals, families, and businesses.
- Insurance: Offers a variety of insurance products through its network of independent agents.
Leadership and Structure
The leadership team consists of Neil Dauby (CEO), Mark Schroeder (CFO). The organizational structure is typical of a regional bank, with divisions for commercial banking, retail banking, wealth management, and insurance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data is not publicly available at a granular level for specific loan types. Competitors include regional and national banks like Fifth Third Bancorp (FITB), Old National Bancorp (ONB) and US Bancorp (USB).
- Mortgage Loans: Loans to individuals for purchasing homes. Market share data is not publicly available at a granular level. Competitors include regional and national banks, as well as mortgage-specific lenders such as Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Checking, savings, and other deposit accounts. Market share data is not publicly available at a granular level. Competitors include regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Regional banks are navigating these challenges while also trying to maintain profitability and market share.
Positioning
German American Bancorp Inc. is a well-established regional bank known for its community focus and strong customer relationships. Its competitive advantages include its local market knowledge, experienced management team, and conservative lending practices.
Total Addressable Market (TAM)
The TAM for banking services in the regions German American Bancorp Inc. operates in is estimated to be in the billions of dollars annually. German American Bancorp Inc. is positioned to capture a portion of this market through its branch network, online services, and relationship-based banking approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Conservative lending practices
- Diversified revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on interest rate spreads
- Vulnerability to economic downturns in its operating region
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from fintech companies
- Economic downturns
Competitors and Market Share
Key Competitors
- FITB
- ONB
- HBNC
Competitive Landscape
German American Bancorp Inc. competes with regional and national banks, as well as credit unions and other financial institutions. Its advantages include its strong local market presence and customer relationships. Its disadvantages include its limited geographic reach compared to larger banks.
Major Acquisitions
Citizens Union Bancorp of Shelbyville, Inc.
- Year: 2018
- Acquisition Price (USD millions): 95.5
- Strategic Rationale: Expanded German American's presence in the Louisville, Kentucky market.
Growth Trajectory and Initiatives
Historical Growth: German American Bancorp Inc. has grown steadily over the years through organic growth and strategic acquisitions.
Future Projections: Future growth projections are based on analyst estimates and depend on economic conditions, interest rates, and the company's ability to execute its growth strategy.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology and expansion into new markets.
Summary
German American Bancorp Inc. is a stable regional bank with a strong community focus. Its conservative lending practices and diversified revenue streams contribute to its financial health. However, it faces challenges from rising interest rates, increased competition, and economic downturns. Recent initiatives to invest in digital banking and expand into new markets should improve its future performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and a thorough understanding of the risks involved.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About German American Bancorp Inc
Exchange NASDAQ | Headquaters Jasper, IN, United States | ||
IPO Launch date 1993-05-21 | CEO & Chairman Mr. D. Neil Dauby CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1020 | Website https://www.germanamerican.com |
Full time employees 1020 | Website https://www.germanamerican.com | ||
German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and health management services. The company operates through Core Banking, and Trust and Investment Advisory Services 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. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
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