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Upturn stock ratingUpturn stock rating
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German American Bancorp Inc (GABC)

Upturn stock ratingUpturn stock rating
$41.96
Last Close (24-hour delay)
Profit since last BUY1.48%
upturn advisory
Consider higher Upturn Star rating
BUY since 4 days
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Upturn Advisory Summary

08/28/2025: GABC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$46.17 Target price
52w Low $32.26
Current$41.96
52w High $46.04

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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

ai summary icon Upturn AI SWOT

German American Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1020

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.