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

Upturn stock ratingUpturn stock rating
$38.51
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: GABC (1-star) is currently NOT-A-BUY. Pass it for now.

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

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $44.67

1 Year Target Price $44.67

Analysts Price Target For last 52 week
$44.67Target price
Low$32.51
Current$38.51
high$46.39

Analysis of Past Performance

Type Stock
Historic Profit 6.05%
Avg. Invested days 47
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.44B USD
Price to earnings Ratio 15.47
1Y Target Price 44.67
Price to earnings Ratio 15.47
1Y Target Price 44.67
Volume (30-day avg) 6
Beta 0.58
52 Weeks Range 32.51 - 46.39
Updated Date 06/30/2025
52 Weeks Range 32.51 - 46.39
Updated Date 06/30/2025
Dividends yield (FY) 2.97%
Basic EPS (TTM) 2.49

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 29.34%
Operating Margin (TTM) 28.68%

Management Effectiveness

Return on Assets (TTM) 1.04%
Return on Equity (TTM) 8.85%

Valuation

Trailing PE 15.47
Forward PE 12.84
Enterprise Value 1221403520
Price to Sales(TTM) 5.62
Enterprise Value 1221403520
Price to Sales(TTM) 5.62
Enterprise Value to Revenue 6.98
Enterprise Value to EBITDA -
Shares Outstanding 37480700
Shares Floating 35822172
Shares Outstanding 37480700
Shares Floating 35822172
Percent Insiders 4.32
Percent Institutions 50.3

Analyst Ratings

Rating 3
Target Price 44.67
Buy 1
Strong Buy 2
Buy 1
Strong Buy 2
Hold 3
Sell -
Strong Sell -
Strong Sell -

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 as German American National Bank in Jasper, Indiana. It has grown through organic expansion and acquisitions to become a multi-bank holding company serving Indiana, Kentucky, and parts of Illinois.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses.
  • Retail Banking: Offers consumer loans, mortgages, deposit accounts, and other retail banking products to individuals and families.
  • Wealth Management: Provides investment advisory, trust, and brokerage services to individuals and institutions.
  • Insurance: Offers various insurance products and services.

leadership logo Leadership and Structure

Neil Dauby serves as the Chief Executive Officer. The company operates with a board of directors and a structured management team overseeing various business lines and support functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Commercial loans constitute a significant portion of German American Bancorp's revenue. Competitors include larger national and regional banks such as Fifth Third Bank and PNC Financial Services.
  • Description: Loans for small business and real estate development.
  • Description: Residential and commercial mortgages for construction and purchase.
  • Mortgage Loans: Mortgage loans are a key offering. Market share varies by region. Competitors include national lenders like Wells Fargo and local credit unions.
  • Deposit Accounts: Checking, savings, and money market accounts are offered to individuals and businesses. Competing institutions include Old National Bancorp and other regional banks.
  • Description: Checking, savings, money market, and CDs.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations regarding digital services. Consolidation continues to be a trend.

Positioning

German American Bancorp Inc. positions itself as a community-focused bank with a strong regional presence. Its competitive advantages include local market knowledge, customer relationships, and a conservative risk profile.

Total Addressable Market (TAM)

The total addressable market for community banking services in German American Bancorp's operating region is estimated to be in the billions of dollars. German American Bancorp Inc. holds a significant share within its core markets.

Upturn SWOT Analysis

Strengths

  • Strong regional presence
  • Established customer relationships
  • Conservative credit culture
  • Experienced management team
  • Diversified revenue streams

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger competitors
  • Potential vulnerability to regional economic downturns
  • Lower tech adoption compared to bigger banks

Opportunities

  • Expansion into adjacent markets
  • Increased digital banking adoption
  • Acquisitions of smaller community banks
  • Cross-selling opportunities among existing customers

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates impacting loan demand
  • Regulatory changes increasing compliance costs
  • Economic downturns affecting credit quality

Competitors and Market Share

competitor logo Key Competitors

  • ONB
  • FFBC
  • HBNC

Competitive Landscape

German American Bancorp Inc. competes with larger regional banks, community banks, and credit unions. Its strengths include local market knowledge and customer relationships, while its weaknesses include smaller scale and limited geographic diversification.

Major Acquisitions

Citizens Union Bancorp of Shelbyville, Inc.

  • Year: 2018
  • Acquisition Price (USD millions): 100
  • Strategic Rationale: Expanded market presence in Kentucky.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.

Future Projections: Future growth projections are analyst dependent.

Recent Initiatives: Recent strategic initiatives include investments in digital banking capabilities and expansion into new markets.

Summary

German American Bancorp Inc. is a well-managed regional bank with a solid track record of growth and profitability. Its strong community focus and conservative credit culture have contributed to its success. The company faces challenges from larger competitors and regulatory pressures, but its strategic initiatives position it for continued growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Analyst Reports
  • Industry Publications

Disclaimers:

This analysis is based on available information and is for informational purposes only. It does not constitute investment advice.

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 & Chairman Mr. D. Neil Dauby CPA
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.