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GABC 
German American Bancorp Inc (GABC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/03/2025: GABC (1-star) is currently NOT-A-BUY. Pass it for now.
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 $45.67
1 Year Target Price $45.67
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.04% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.51B USD | Price to earnings Ratio 13.64 | 1Y Target Price 45.67 |
Price to earnings Ratio 13.64 | 1Y Target Price 45.67 | ||
Volume (30-day avg) 6 | Beta 0.66 | 52 Weeks Range 32.03 - 44.88 | Updated Date 12/3/2025 |
52 Weeks Range 32.03 - 44.88 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 2.94% | Basic EPS (TTM) 2.95 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.02% | Operating Margin (TTM) 50.83% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 10.75% |
Valuation
Trailing PE 13.64 | Forward PE 12.84 | Enterprise Value 1469015936 | Price to Sales(TTM) 4.82 |
Enterprise Value 1469015936 | Price to Sales(TTM) 4.82 | ||
Enterprise Value to Revenue 5.04 | Enterprise Value to EBITDA - | Shares Outstanding 37491797 | Shares Floating 35846282 |
Shares Outstanding 37491797 | Shares Floating 35846282 | ||
Percent Insiders 4.41 | Percent Institutions 51.89 |
Upturn AI SWOT
German American Bancorp Inc
Company Overview
History and Background
German American Bancorp Inc. was founded in 1910 in Jasper, Indiana. Initially a small community bank, it has grown through organic expansion and strategic acquisitions to become a regional financial institution serving Indiana, Kentucky, and parts of Illinois.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and treasury management services to businesses of various sizes.
- Retail Banking: Offers personal checking and savings accounts, mortgages, auto loans, and other consumer financial products.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
- Insurance: Offers a range of insurance products and services to individuals and businesses.
Leadership and Structure
The leadership team is headed by the CEO, Mark Schroeder. The organizational structure includes various departments overseeing commercial banking, retail banking, wealth management, insurance, finance, and operations. The company operates with a board of directors providing oversight and governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is not publicly available at a granular product level. Competitors include larger regional and national banks.
- Mortgages: Residential mortgage loans for home purchase and refinancing. Market share data is regional and fluctuates. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share varies by region. Competitors include national banks, credit unions, and online banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations regarding digital banking. Economic growth and credit quality are key factors.
Positioning
German American Bancorp Inc. positions itself as a community-focused bank with a strong relationship-based approach. It differentiates itself through local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for community banking in the regions they serve is estimated in the billions, covering lending, deposits, and wealth management. German American captures a portion through its regional network and services.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Solid financial performance
- Experienced management team
- Diversified revenue streams
- Strong deposit base
Weaknesses
- Limited geographic presence compared to larger banks
- Vulnerability to regional economic downturns
- Higher cost structure compared to national banks
- Smaller marketing budget compared to national banks
Opportunities
- Expanding into new markets within the region
- Increasing digital banking capabilities
- Acquiring smaller community banks
- Growing wealth management business
- Cross-selling opportunities across business segments
Threats
- Increased competition from larger national banks
- Rising interest rates impacting loan demand
- Regulatory changes
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- CFBK
- HBNC
- FFBC
Competitive Landscape
German American Bancorp Inc. competes with larger regional and national banks, as well as smaller community banks. It differentiates itself through its community focus and strong customer relationships.
Major Acquisitions
Citizens Union Bancorp
- Year: 2019
- Acquisition Price (USD millions): 123
- Strategic Rationale: Expanded German American's presence in Kentucky.
Growth Trajectory and Initiatives
Historical Growth: German American Bancorp Inc. has grown steadily through organic expansion and acquisitions, primarily within the Midwest region.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by loan growth and fee income. Projections are subject to economic conditions.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion into new markets, and strategic acquisitions of smaller banks.
Summary
German American Bancorp Inc. is a stable regional bank with a strong community focus. Its consistent financial performance and history of dividend payments suggest a solid foundation. However, its limited geographic reach and competition from larger banks pose challenges. Its growth will rely on strategic initiatives like expanding digital services.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q), Investor Presentations, Analyst Reports, Press Releases
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
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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