GABC - German American Bancorp Inc Stock Price, Fair Value and News

32.31USD+0.18 (+0.56%)Market Closed

Market Summary

USD32.31+0.18

Market Closed

0.56%

GABC Stock Price

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GABC RSI Chart

GABC Valuation

Market Cap

958.5M

Price/Earnings (Trailing)

11.4

Price/Sales (Trailing)

3.62

EV/EBITDA

3.48

Price/Free Cashflow

10.14

GABC Price/Sales (Trailing)

GABC Profitability

EBT Margin

38.41%

Return on Equity

12.84%

Return on Assets

1.38%

Free Cashflow Yield

9.86%

GABC Fundamentals

GABC Revenue

Revenue (TTM)

264.4M

Rev. Growth (Yr)

12.84%

Rev. Growth (Qtr)

1.86%

GABC Earnings

Earnings (TTM)

84.1M

Earnings Growth (Yr)

-8.58%

Earnings Growth (Qtr)

-11.55%

Breaking Down GABC Revenue

Last 7 days

2.0%

Last 30 days

-4.1%

Last 90 days

2.4%

Trailing 12 Months

19.8%

How does GABC drawdown profile look like?

GABC Financial Health

Debt/Equity

0.3

Debt/Cashflow

0.5

GABC Investor Care

Dividend Yield

3.16%

Dividend/Share (TTM)

1.02

Shares Dilution (1Y)

0.31%

Diluted EPS (TTM)

2.85

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	264.4M	0	0	0
2023	230.1M	241.4M	250.5M	256.7M
2022	178.1M	188.1M	201.1M	218.9M
2021	172.3M	171.1M	172.5M	170.4M
2020	178.9M	181.4M	176.6M	174.4M
2019	145.8M	155.3M	168.7M	176.5M
2018	113.1M	117.3M	122.8M	133.7M
2017	107.7M	108.3M	109.5M	111.0M
2016	84.3M	91.0M	97.3M	103.4M
2015	80.7M	81.1M	81.1M	81.6M
2014	77.0M	78.3M	79.9M	80.4M
2013	75.8M	74.7M	74.6M	75.7M
2012	80.4M	79.4M	78.3M	77.2M
2011	68.1M	72.7M	76.5M	80.2M
2010	0	63.9M	64.0M	64.2M
2009	0	0	0	63.7M

Get all data in R, Python etc through our Historical Stock Data APIs

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Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

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Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of German American Bancorp Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 15, 2024	seger thomas w	bought	849	32.06	26.5127	-
Apr 15, 2024	sheidler jack	bought	899	32.06	28.0723	-
Mar 15, 2024	barrett clay m	acquired	-	-	4,093	evp, chief digital & info off
Mar 15, 2024	dauby d neil	acquired	-	-	13,288	chairman & ceo
Mar 15, 2024	seger thomas w	bought	1,700	32.38	52.506	-
Mar 15, 2024	leinenbach keith a.	sold (taxes)	-48,122	31.89	-1,509	evp, chief credit officer
Mar 15, 2024	jackson amy d	acquired	-	-	4,465	evp, chief administrative offi
Mar 15, 2024	sheidler jack	bought	1,750	32.38	54.05	-
Mar 15, 2024	schuler vicki l	acquired	-	-	792	svp, principal acct off, contr
Mar 15, 2024	arnett bradley c	acquired	-	-	2,138	svp, chief legal officer

Which funds bought or sold GABC recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	NEW YORK STATE COMMON RETIREMENT FUND	reduced	-0.04	25,000	394,000	-%
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	sold off	-100	-328,411	-	-%
May 07, 2024	SEI INVESTMENTS CO	added	7.54	33,914	260,978	-%
May 07, 2024	Rosenthal \| Henry Capital Advisors, Inc.	reduced	-3.39	66,692	2,117,370	2.85%
May 07, 2024	Arizona State Retirement System	reduced	-1.69	13,588	281,554	-%
May 07, 2024	Swiss National Bank	unchanged	-	130,120	2,021,240	-%
May 06, 2024	SG Americas Securities, LLC	sold off	-100	-142,000	-	-%
May 06, 2024	TEACHER RETIREMENT SYSTEM OF TEXAS	reduced	-27.15	-70,000	246,000	-%
May 06, 2024	Spectrum Wealth Counsel, LLC	new	-	130,940	130,940	0.02%
May 06, 2024	LSV ASSET MANAGEMENT	added	96.35	132,000	252,000	-%

Are Funds Buying or Selling GABC?

Are funds buying GABC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own GABC

No. of Funds

Unveiling German American Bancorp Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	5.71%	1,689,061	SC 13G
Feb 13, 2024	champlain investment partners, llc	4.82%	1,424,323	SC 13G/A
Jan 25, 2024	blackrock inc.	8.2%	2,439,527	SC 13G/A
Feb 13, 2023	champlain investment partners, llc	5.28%	1,558,105	SC 13G/A
Jan 31, 2023	blackrock inc.	7.4%	2,167,193	SC 13G
Feb 11, 2022	champlain investment partners, llc	5.26%	1,397,055	SC 13G
Feb 01, 2022	blackrock inc.	7.0%	1,866,397	SC 13G/A
Jan 29, 2021	blackrock inc.	7.3%	1,927,680	SC 13G/A
Feb 05, 2020	blackrock inc.	6.8%	1,813,358	SC 13G/A

Recent SEC filings of German American Bancorp Inc

View All Filings

Date Filed	Form Type	Document
May 08, 2024	10-Q	Quarterly Report
May 01, 2024	8-K	Current Report
Apr 29, 2024	8-K	Current Report
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	4	Insider Trading
Apr 01, 2024	3	Insider Trading
Mar 21, 2024	ARS	ARS
Mar 21, 2024	DEF 14A	DEF 14A
Mar 19, 2024	4	Insider Trading
Mar 19, 2024	4	Insider Trading

Peers (Alternatives to German American Bancorp Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	561.8B	174.7B	-1.43%	43.42%	11.16	3.22	53.11%	19.83%
BAC	294.9B	127.4B	0.56%	36.33%	11.78	2.14	56.12%	-12.56%
WFC	213.5B	85.8B	5.95%	58.87%	11.37	2.49	35.02%	26.14%
C	119.7B	125.0B	1.65%	34.89%	14.97	0.96	37.85%	-
CFG	16.4B	10.4B	2.86%	37.97%	11.43	1.57	26.22%	-33.87%
KEY	14.2B	8.1B	-2.78%	54.53%	16.2	1.74	32.15%	-50.93%
MID-CAP
CMA	7.1B	4.2B	-0.20%	48.47%	10.28	1.68	34.68%	-45.96%
ZION	6.5B	4.1B	2.65%	80.71%	10.36	1.6	32.93%	-30.73%
ABCB	3.4B	1.3B	4.29%	69.14%	12.73	2.67	43.24%	-22.35%
ASB	3.4B	1.8B	4.48%	49.83%	21.01	1.66	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	399.1M	152.4M	-4.27%	48.11%	40.14	2.62	16.94%	-73.84%
AROW	395.5M	162.6M	1.49%	18.80%	13.15	2.43	25.39%	-38.37%
ACNB	273.7M	96.6M	-9.35%	14.97%	8.64	2.83	11.02%	-11.37%
ASRV	42.4M	60.9M	6.93%	-11.15%	-12.66	0.7	24.06%	-144.92%

German American Bancorp Inc News

Latest updates

German American Bancorp Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	1.9%	68.00	67.00	66.00	64.00	60.00	61.00	57.00	52.00	49.00	43.00	44.00	42.00	42.00	45.00	42.00	44.00	44.00	47.00	47.00	41.00	41.00
EBITDA Margin	-4.9%	1.12*	1.18*	1.26*	1.34*	1.42*	1.42*	1.44*	1.46*	1.49*	1.60*	1.61*	1.55*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.3%	45.00	46.00	48.00	48.00	49.00	52.00	52.00	50.00	47.00	41.00	41.00	40.00	39.00	42.00	38.00	38.00	36.00	39.00	39.00	34.00	34.00
Income Taxes	4.9%	4.00	4.00	5.00	5.00	4.00	6.00	6.00	5.00	1.00	3.00	5.00	6.00	5.00	5.00	3.00	3.00	2.00	3.00	3.00	3.00	3.00
Earnings Before Taxes	-9.0%	23.00	25.00	26.00	27.00	25.00	30.00	31.00	29.00	10.00	22.00	26.00	30.00	24.00	26.00	18.00	17.00	15.00	19.00	16.00	18.00	18.00
EBT Margin	-4.9%	0.38*	0.40*	0.43*	0.47*	0.50*	0.45*	0.46*	0.46*	0.50*	0.60*	0.61*	0.57*	-	-	-	-	-	-	-	-	-
Net Income	-11.6%	19.00	22.00	21.00	22.00	21.00	24.00	25.00	24.00	9.00	19.00	21.00	24.00	20.00	21.00	15.00	14.00	12.00	16.00	13.00	15.00	15.00
Net Income Margin	-5.0%	0.32*	0.33*	0.35*	0.38*	0.41*	0.37*	0.38*	0.39*	0.41*	0.49*	0.50*	0.46*	-	-	-	-	-	-	-	-	-
Free Cashflow	-22.9%	23.00	29.00	23.00	19.00	30.00	26.00	31.00	3.00	42.00	25.00	28.00	18.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-0.7%	6,112	6,152	6,006	6,053	5,997	6,156	6,260	6,472	6,698	5,609	5,476	5,349	5,220	4,978	4,853	4,851	4,324	4,398	4,356	456	472
Cash Equivalents	7.1%	123	115	132	141	80.00	117	373	526	671	395	449	370	393	344	250	278	90.00	104	89.00	90.00	60.00
Net PPE	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	96.00	97.00	99.00	89.00	90.00
Goodwill	0%	180	180	180	180	180	180	180	180	179	122	122	122	122	122	122	122	121	121	121	18.00	104
Liabilities	-0.6%	5,457	5,489	5,467	5,451	5,392	5,598	5,765	5,897	6,049	4,940	4,826	4,700	4,603	4,353	4,249	4,256	3,740	3,824	3,793	3,471	3,416
Long Term Debt	-100.0%	-	200	-	-	-	210	-	-	-	157	-	-	-	195	-	-	-	350	-	-	-
Shareholder's Equity	-1.3%	655	664	538	603	605	558	495	574	649	668	650	649	617	625	604	595	584	574	563	50.00	479
Retained Earnings	2.4%	473	462	447	433	419	405	388	370	353	350	337	321	302	288	273	263	254	253	242	233	222
Additional Paid-In Capital	0.1%	390	389	389	388	388	387	387	386	385	276	276	275	275	274	274	274	275	279	279	230	230
Shares Outstanding	0.3%	30.00	30.00	30.00	30.00	30.00	29.00	29.00	29.00	29.00	27.00	27.00	27.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	777	-	-	-	944	-	-	-	937	-	-	-	772	-	-	-	704	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-19.4%	23,853	29,577	24,416	21,775	31,466	27,544	32,171	4,054	46,267	26,911	28,509	18,734	26,690	36,240	13,466	18,771	23,941	19,441	32,909	-2,464	15,343
Share Based Compensation	12.4%	524	466	497	830	539	415	398	1,093	424	383	373	639	329	238	261	282	270	360	306	310	311
Cashflow From Investing	145.0%	28,061	-62,383	-40,138	-15,252	145,028	-108,269	-40,321	-14,682	139,091	-190,305	-85,933	-139,310	-224,751	-41,959	-32,083	-337,035	64,999	-31,913	59,657	-15,114	18,032
Cashflow From Financing	-351.4%	-43,774	17,415	7,470	53,853	-215,278	-173,242	-144,849	-133,919	88,344	111,541	136,084	97,415	245,557	101,774	-10,061	506,495	-102,684	27,222	-93,439	48,057	-70,397
Dividend Payments	8.1%	7,955	7,360	7,360	7,359	7,354	6,758	6,759	6,753	6,752	5,555	5,556	5,555	5,554	5,022	5,025	5,024	5,065	4,531	4,532	4,248	4,245
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,793	109	1,168	4,495	-6.00	6.00	-	-

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GABC Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST INCOME
Interest and Fees on Loans	$ 212,517	$ 169,158	$ 139,151
Interest on Federal Funds Sold and Other Short-term Investments	1,677	5,765	488
Interest and Dividends on Securities:
Taxable	20,614	20,453	12,962
Non-taxable	21,848	23,550	17,778
TOTAL INTEREST INCOME	256,656	218,926	170,379
INTEREST EXPENSE
Interest on Deposits	56,916	13,514	4,955
Interest on FHLB Advances and Other Borrowings	9,307	4,828	4,594
TOTAL INTEREST EXPENSE	66,223	18,342	9,549
NET INTEREST INCOME	190,433	200,584	160,830
Provision for Credit Losses	2,550	6,350	(6,500)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	187,883	194,234	167,330
NON-INTEREST INCOME
Company Owned Life Insurance	1,731	2,264	1,529
Other Operating Income	5,830	5,116	6,991
Net Gains on Sales of Loans	2,363	3,818	8,267
Net Gains on Securities	40	562	2,247
TOTAL NON-INTEREST INCOME	60,261	59,133	59,462
NON-INTEREST EXPENSE
Salaries and Employee Benefits	83,244	84,145	68,570
Occupancy Expense	10,887	11,223	11,081
Furniture and Equipment Expense	3,580	3,698	3,750
FDIC Premiums	2,829	1,860	1,419
Data Processing Fees	11,112	15,406	7,611
Professional Fees	5,575	6,295	5,009
Advertising and Promotion	4,857	4,416	4,197
Intangible Amortization	2,840	3,711	2,731
Other Operating Expenses	19,573	23,437	19,639
TOTAL NON-INTEREST EXPENSE	144,497	154,191	124,007
Income before Income Taxes	103,647	99,176	102,785
Income Tax Expense	17,759	17,351	18,648
NET INCOME	$ 85,888	$ 81,825	$ 84,137
Basic Earnings per Share (in dollars per share)	$ 2.91	$ 2.78	$ 3.17
Diluted Earnings per Share (in dollars per share)	$ 2.91	$ 2.78	$ 3.17
Wealth Management Fees
NON-INTEREST INCOME
Non-interest Income	$ 11,711	$ 10,076	$ 10,321
Service Charges on Deposit Accounts
NON-INTEREST INCOME
Non-interest Income	11,538	11,457	7,723
Insurance Revenues
NON-INTEREST INCOME
Non-interest Income	9,596	10,020	9,268
Interchange Fee Income
NON-INTEREST INCOME
Non-interest Income	$ 17,452	$ 15,820	$ 13,116

GABC Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and Due from Banks	$ 78,805	$ 75,476
Federal Funds Sold and Other Short-term Investments	36,525	41,905
Cash and Cash Equivalents	115,330	117,381
Interest-bearing Time Deposits with Banks	500	500
Securities Available-for-Sale, at Fair Value (Amortized Cost $1,871,260 for December 31, 2023; Amortized Cost $2,094,826 for December 31, 2022; No Allowance for Credit Losses)	1,596,832	1,761,669
Other Investments	353	353
Loans Held-for-Sale, at Fair Value	5,226	8,600
Loans	3,977,900	3,788,645
Less: Unearned Income	(6,818)	(3,711)
Allowance for Credit Losses	(43,765)	(44,168)
Loans, Net	3,927,317	3,740,766
Stock in FHLB of Indianapolis and Other Restricted Stock, at Cost	14,687	15,037
Premises, Furniture and Equipment, Net	106,776	112,237
Other Real Estate	0	0
Goodwill	180,357	180,357
Intangible Assets	6,307	9,426
Company Owned Life Insurance	85,840	83,998
Accrued Interest Receivable and Other Assets	112,673	125,667
TOTAL ASSETS	6,152,198	6,155,991
LIABILITIES
Non-interest-bearing Demand Deposits	1,493,160	1,691,804
Interest-bearing Demand, Savings, and Money Market Accounts	2,992,761	3,229,778
Time Deposits	767,042	428,469
Total Deposits	5,252,963	5,350,051
FHLB Advances and Other Borrowings	193,937	203,806
Accrued Interest Payable and Other Liabilities	41,740	43,741
TOTAL LIABILITIES	5,488,640	5,597,598
Commitments and Contingencies (See Note 14)
SHAREHOLDERS’ EQUITY
Common Stock, no par value, $1 stated value; 45,000,000 shares authorized	29,585	29,493
Additional Paid-in Capital	389,411	387,171
Retained Earnings	461,622	405,167
Accumulated Other Comprehensive Income (Loss)	(217,060)	(263,438)
TOTAL SHAREHOLDERS’ EQUITY	663,558	558,393
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 6,152,198	$ 6,155,991
End of period shares issued (in shares)	29,584,709	29,493,193
End of period shares outstanding (in shares)	29,584,709	29,493,193

About German American Bancorp Inc

German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. 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. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.

CEO	Mr. D. Neil Dauby
WEBSITE	germanamerican.com
INDUSTRY	Banks Diversified
EMPLOYEES	866

German American Bancorp Inc Frequently Asked Questions

What is the ticker symbol for German American Bancorp Inc? What does GABC stand for in stocks?

GABC is the stock ticker symbol of German American Bancorp Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of German American Bancorp Inc (GABC)?

As of Wed May 08 2024, market cap of German American Bancorp Inc is 955.88 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of GABC stock?

You can check GABC's fair value in chart for subscribers.

What is the fair value of GABC stock?

You can check GABC's fair value in chart for subscribers. The fair value of German American Bancorp Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of German American Bancorp Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for GABC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is German American Bancorp Inc a good stock to buy?

The fair value guage provides a quick view whether GABC is over valued or under valued. Whether German American Bancorp Inc is cheap or expensive depends on the assumptions which impact German American Bancorp Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for GABC.

What is German American Bancorp Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 08 2024, GABC's PE ratio (Price to Earnings) is 11.13 and Price to Sales (PS) ratio is 3.72. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. GABC PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on German American Bancorp Inc's stock?

In the past 10 years, German American Bancorp Inc has provided 0.085 (multiply by 100 for percentage) rate of return.