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German American Bancorp Inc (GABC)



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Upturn Advisory Summary
08/28/2025: GABC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 1.54% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.57B USD | Price to earnings Ratio 15.71 | 1Y Target Price 46.17 |
Price to earnings Ratio 15.71 | 1Y Target Price 46.17 | ||
Volume (30-day avg) 6 | Beta 0.61 | 52 Weeks Range 32.26 - 46.04 | Updated Date 08/29/2025 |
52 Weeks Range 32.26 - 46.04 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.72% | 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 15.71 | Forward PE 12.84 | Enterprise Value 1578603008 | Price to Sales(TTM) 5.57 |
Enterprise Value 1578603008 | Price to Sales(TTM) 5.57 | ||
Enterprise Value to Revenue 5.86 | 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 served the local community with basic banking services. Over the years, it has grown through strategic acquisitions and organic expansion to become a regional financial institution.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers personal banking products, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
- Insurance: Offers a variety of insurance products, including property and casualty, life, and health insurance.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing various business segments. The organizational structure is typically a hierarchical model with regional and departmental divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue source. Market share data is difficult to obtain precisely, but GABC competes with other regional and national banks. Competitors include Old National Bancorp (ONB) and Fifth Third Bancorp (FITB).
- Mortgages: Mortgages are a substantial part of the retail lending portfolio. Market share varies by region. Competitors include national lenders like Wells Fargo (WFC) and Chase (JPM).
- Deposit Accounts: Checking, savings, and money market accounts form the foundation of the retail banking services. Competitors include local credit unions and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing regulatory scrutiny, rising interest rates, and increased competition from fintech companies. Consolidation is occurring within the regional bank space.
Positioning
German American Bancorp Inc. is a regional bank focused on community banking relationships and providing personalized service. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for regional banking services in the Midwest is estimated to be in the billions of dollars. GABC is positioned to capture a share of this market through its established presence and expanding footprint.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified revenue streams
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Exposure to interest rate risk
- Higher cost structure relative to online banks
- Dependence on regional economy
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturns
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- ONB
- HBAN
- FFBC
- WTFC
Competitive Landscape
GABC's advantages include its strong local presence and customer relationships. Disadvantages include its smaller size and limited geographic reach compared to larger competitors.
Major Acquisitions
Citizens Union Bancorp of Shelbyville, Inc.
- Year: 2019
- Acquisition Price (USD millions): 115
- Strategic Rationale: Expanded market presence in Kentucky and increased asset base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not accessible in real time. Refer to official GABC financial reports for details.
Future Projections: Future projections are not accessible in real time. Refer to analyst reports for details.
Recent Initiatives: Recent strategic initiatives are not accessible in real time. Refer to official GABC news releases and investor presentations for details.
Summary
German American Bancorp is a stable regional bank with a strong presence in its core markets. Its diversified revenue streams and focus on community banking provide a solid foundation. Competition from larger banks and fintech companies, as well as economic downturns, remain key challenges. Continued strategic acquisitions and digital banking investments are important for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, SEC reports, financial news sources, analyst reports (where available)
Disclaimers:
This analysis is based on publicly available information and general market knowledge. Financial data is subject to change and may not be entirely accurate. This analysis is not financial advice and should not be used as the sole basis for investment decisions.
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 - | ||
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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