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GABC 
German American Bancorp Inc (GABC)
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Upturn Advisory Summary
11/19/2025: 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 11/19/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.42B USD | Price to earnings Ratio 13.15 | 1Y Target Price 45.67 |
Price to earnings Ratio 13.15 | 1Y Target Price 45.67 | ||
Volume (30-day avg) 6 | Beta 0.66 | 52 Weeks Range 32.03 - 45.71 | Updated Date 11/19/2025 |
52 Weeks Range 32.03 - 45.71 | Updated Date 11/19/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 2.89 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 0.87 | Actual 0.92 |
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 13.15 | Forward PE 12.84 | Enterprise Value 1390283264 | Price to Sales(TTM) 4.55 |
Enterprise Value 1390283264 | Price to Sales(TTM) 4.55 | ||
Enterprise Value to Revenue 4.86 | Enterprise Value to EBITDA - | Shares Outstanding 37491797 | Shares Floating 35846282 |
Shares Outstanding 37491797 | Shares Floating 35846282 | ||
Percent Insiders 4.41 | Percent Institutions 51.9 |
Upturn AI SWOT
German American Bancorp Inc
Company Overview
History and Background
German American Bancorp Inc. was founded in 1910 in Jasper, Indiana. It began as a small community bank and has grown through organic expansion and strategic acquisitions to become a multi-bank holding company.
Core Business Areas
- Commercial Banking: Provides a wide array of commercial lending, treasury management, and related financial services to businesses of all sizes.
- Retail Banking: Offers consumer loans, deposit accounts, and other retail banking products and services to individuals and families.
- Wealth Management: Provides wealth management, trust, and investment advisory services to individuals, families, and businesses.
- Insurance: Offers a range of insurance products including property and casualty, life, and health insurance.
Leadership and Structure
The company is led by Neil Dauby (CEO). The organizational structure includes various departments such as Commercial Lending, Retail Banking, Wealth Management, Finance, and Operations, each headed by experienced executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors: Old National Bancorp, First Financial Bancorp.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share data is not publicly available. Competitors: US Bank, Fifth Third Bank.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Market share data is not publicly available. Competitors: Chase, PNC.
- Wealth Management Services: Offers investment management, financial planning, and trust services. Market share data is not publicly available. Competitors: Edward Jones, Raymond James.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and margin compression due to low interest rates, but high interest rates now. The industry is also adapting to technological advancements and changing customer preferences.
Positioning
German American Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on customer service and relationship banking. It differentiates itself through its local presence and personalized approach.
Total Addressable Market (TAM)
TAM includes all banking and financial services within its geographic footprint. Specific TAM value is difficult to determine. German American is positioned to capture a larger share through expansion and improved services.
Upturn SWOT Analysis
Strengths
- Strong community presence
- Experienced management team
- Diversified revenue streams
- Solid capital base
- Customer Focused
Weaknesses
- Limited geographic reach
- Reliance on traditional banking model
- Higher expense ratio compared to larger banks
- Susceptible to local economic downturns
Opportunities
- Strategic acquisitions
- Expansion into new markets
- Increased adoption of digital banking solutions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- ONB
- FFBC
- HBNC
Competitive Landscape
GABC competes with larger regional and national banks and credit unions. GABC's advantage lies in its community focus and strong relationships, while its disadvantage is its smaller scale compared to larger competitors.
Major Acquisitions
Citizens Union Bancorp of Shelbyville, Inc.
- Year: 2021
- Acquisition Price (USD millions): 121.7
- Strategic Rationale: Expanded footprint in Kentucky.
Growth Trajectory and Initiatives
Historical Growth: Requires access to historical financial data.
Future Projections: Requires access to analyst estimates and forward looking statements from the company.
Recent Initiatives: Requires access to press releases and investor reports from the company.
Summary
German American Bancorp Inc. is a community-focused bank with a strong regional presence. Its customer-centric approach has fueled growth, but limited geographic reach and increasing competition pose challenges. Strategic acquisitions and digital advancements are crucial for future growth. The company faces potential risks from economic fluctuations and rising interest rates.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Press Releases
- Analyst Reports
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on individual research and consultation with a 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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