GABC
GERMAN AMERICAN BANCORP, INC.
Next earnings Jul 27, 2026 · consensus $0.95 EPS, $101M rev
Last earnings +0.9% on 2026-04-27
$47.65
▲ +1.79%$47.65▲ +29.64%
over 1Y
L $36.53EODHDH $47.65
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.8%
1W+5.1%
1M+9.6%
3M+16.5%
YTD+24.3%
1Y+29.6%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 11 analysts
Buy
Revenue grew 37.8% YoY.
Revenue (FY2025) $487M · FY2025
The read
Quality fundamentals and an attractive price line up (~144% below fair value) — the rarer case where both the business and the entry look good.
GERMAN AMERICAN BANCORP, INC. shows $487M in FY2025 revenue (+37.8% YoY), a 23.1% net margin, and 9.7% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $278M | $317M | $354M | $487M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $84.1M | $81.8M | $85.9M | $83.8M | $113M |
| Diluted EPS | $3.17 | $2.78 | $2.91 | $2.83 | $3.06 |
| Net margin | — | 29.4% | 27.1% | 23.7% | 23.1% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF11.6
PEG (trailing)0.45
Earnings yield6.3%
FCF yield8.6%
Quality & risk
ROIC (est.)—
Free cash flow$154M
Total debt$168M
Net cash-$49.9M
Piotroski F-Score6/7
Capital returns
Buyback yield—
Dividend yield (est.)2.4%
Shareholder yield2.4%
Shares Δ YoY+0.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-05-152026-05-18open ↗10-QPeriod ending 2026-03-312026-05-06open ↗13F-HRPeriod ending 2026-03-312026-05-06open ↗8-KPeriod ending 2026-05-062026-05-06open ↗8-KPeriod ending 2026-04-272026-04-29open ↗SCHEDULE 13GFiling2026-04-29open ↗8-KPeriod ending 2026-04-272026-04-27open ↗4Period ending 2026-04-152026-04-17open ↗
Frequently asked
- Is GERMAN AMERICAN BANCORP, INC. (GABC) a buy?
- GABC currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 37.8% YoY.
- What is GABC's fair value?
- A Modified-Graham model based on GABC's SEC fundamentals estimates a fair value of about $116.28. It is an estimate from reported earnings, not a price target.
- Is GABC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, GABC currently appears undervalued relative to its SEC-grounded earnings power.
- What is GERMAN AMERICAN BANCORP, INC.'s quality score?
- GABC scores 80.94117647058822/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000714395, latest 10-Q filed 2026-05-06) · EODHD · as of 6/26/2026, 7:39:18 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.