German American Bancorp Stock Analysis

GABC Stock  USD 36.88  0.08  0.22%   
German American Bancorp is undervalued with Real Value of 40.8 and Target Price of 44.67. The main objective of German American stock analysis is to determine its intrinsic value, which is an estimate of what German American Bancorp is worth, separate from its market price. There are two main types of German American's stock analysis: fundamental analysis and technical analysis.
The German American stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and German American's ongoing operational relationships across important fundamental and technical indicators.
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in German American Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

German Stock Analysis Notes

About 50.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.32. Some equities with similar Price to Book (P/B) outperform the market in the long run. German American Bancorp has Price/Earnings To Growth (PEG) ratio of 2.43. The entity last dividend was issued on the 9th of May 2025. The firm had 3:2 split on the 24th of April 2017. German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana. German Amer operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 894 people. To learn more about German American Bancorp call Neil CPA at 812 482 1314 or check out https://www.germanamerican.com.

German American Quarterly Total Revenue

111.06 Million

German American Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. German American's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding German American Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
German American generated a negative expected return over the last 90 days
On 20th of May 2025 German American paid $ 0.29 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: Victory Capital Holdings And 2 Other Stocks That May Be Priced Below Their Estimated Value

German American Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to German American previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
29th of January 2024
Upcoming Quarterly Report
View
22nd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

German Largest EPS Surprises

Earnings surprises can significantly impact German American's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2010-01-27
2009-12-310.180.20.0211 
2009-01-27
2008-12-310.180.20.0211 
2008-10-28
2008-09-300.180.20.0211 
View All Earnings Estimates

German American Environmental, Social, and Governance (ESG) Scores

German American's ESG score is a quantitative measure that evaluates German American's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of German American's operations that may have significant financial implications and affect German American's stock price as well as guide investors towards more socially responsible investments.

German Stock Institutional Investors

Shares
Northern Trust Corp2025-03-31
289.1 K
Aptus Capital Advisors, Llc2025-03-31
212.3 K
Mutual Of America Capital Management Llc2025-03-31
194.4 K
Proshare Advisors Llc2025-03-31
188.2 K
Bank Of New York Mellon Corp2025-03-31
187.2 K
We Are One Seven, Llc2025-03-31
186.3 K
Deprince Race & Zollo Inc2025-03-31
170.7 K
Strategic Value Bank Partners Llc2025-03-31
163.9 K
Morgan Stanley - Brokerage Accounts2025-03-31
114 K
Blackrock Inc2025-03-31
2.5 M
Vanguard Group Inc2025-03-31
2.1 M
Note, although German American's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

German Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.38 B.

German Profitablity

The company has Profit Margin (PM) of 0.29 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.29 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.29.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.11  0.12 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.09 

Management Efficiency

German American Bancorp has return on total asset (ROA) of 0.0104 % which means that it generated a profit of $0.0104 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0885 %, meaning that it created $0.0885 on every $100 dollars invested by stockholders. German American's management efficiency ratios could be used to measure how well German American manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Capital Employed is expected to grow to 0.12, whereas Return On Tangible Assets are forecasted to decline to 0.01. At present, German American's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 349.4 M, whereas Other Current Assets are forecasted to decline to about 160 M.
Last ReportedProjected for Next Year
Book Value Per Share 24.11  25.32 
Tangible Book Value Per Share 17.94  18.84 
Enterprise Value Over EBITDA 11.76  16.23 
Price Book Value Ratio 1.67  1.95 
Enterprise Value Multiple 11.76  16.23 
Price Fair Value 1.67  1.95 
Enterprise Value965.3 M834.4 M
German American's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield
0.0315
Operating Margin
0.2868
Profit Margin
0.2934
Forward Dividend Yield
0.0315
Beta
0.579

Technical Drivers

As of the 22nd of June, German American retains the Market Risk Adjusted Performance of (0.09), risk adjusted performance of (0.06), and Standard Deviation of 1.52. German American technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.

German American Bancorp Price Movement Analysis

Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Kaufman Adaptive Moving Average allows the user to define German American Bancorp range across which they want the smoothing.

German American Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific German American insiders, such as employees or executives, is commonly permitted as long as it does not rely on German American's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases German American insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Bawel Zachary W six days ago
Acquisition by Bawel Zachary W of tradable shares of German American at 37.7829 subject to Rule 16b-3
 
Sheidler Jack over a month ago
Acquisition by Sheidler Jack of tradable shares of German American at .7049 subject to Rule 16b-3
 
Sheidler Jack over two months ago
Acquisition by Sheidler Jack of tradable shares of German American at 35.9473 subject to Rule 16b-3
 
Clay Barrett over three months ago
Disposition of 552 shares by Clay Barrett of German American at 38.66 subject to Rule 16b-3
 
Mccomb Gregory Scott over three months ago
Acquisition by Mccomb Gregory Scott of 403 shares of German American subject to Rule 16b-3
 
Medley Diane B over three months ago
Acquisition by Medley Diane B of 1000 shares of German American at .21 subject to Rule 16b-3
 
Sheidler Jack over three months ago
Acquisition by Sheidler Jack of tradable shares of German American at 40.35 subject to Rule 16b-3
 
Sheidler Jack over three months ago
Acquisition by Sheidler Jack of tradable shares of German American at 40.35 subject to Rule 16b-3
 
Mccomb Gregory Scott over three months ago
Insider Trading
 
Sheidler Jack over three months ago
Acquisition by Sheidler Jack of tradable shares of German American at .0362 subject to Rule 16b-3
 
Bawel Zachary W over six months ago
Acquisition by Bawel Zachary W of tradable shares of German American at 44.38 subject to Rule 16b-3
 
Bawel Zachary W over six months ago
Acquisition by Bawel Zachary W of tradable shares of German American at 40.75 subject to Rule 16b-3

German American Outstanding Bonds

German American issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. German American Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most German bonds can be classified according to their maturity, which is the date when German American Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

German American Predictive Daily Indicators

German American intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of German American stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

German American Corporate Filings

F4
17th of June 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
21st of May 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
16th of May 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
13th of May 2025
Other Reports
ViewVerify
10Q
12th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
9th of May 2025
Other Reports
ViewVerify
8K
29th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
28th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

German American Forecast Models

German American's time-series forecasting models are one of many German American's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary German American's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About German Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how German American prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling German shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as German American. By using and applying German Stock analysis, traders can create a robust methodology for identifying German entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.33  0.20 
Operating Profit Margin 0.33  0.20 
Net Profit Margin 0.27  0.15 
Gross Profit Margin 0.67  0.56 

Current German Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. German analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. German analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
44.67Buy6Odds
German American Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most German analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand German stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of German American Bancorp, talking to its executives and customers, or listening to German conference calls.
German Analyst Advice Details

German Stock Analysis Indicators

German American Bancorp stock analysis indicators help investors evaluate how German American stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading German American shares will generate the highest return on investment. By understating and applying German American stock analysis, traders can identify German American position entry and exit signals to maximize returns.
Begin Period Cash Flow115.3 M
Long Term Debt150.9 M
Common Stock Shares Outstanding29.7 M
Total Stockholder Equity715.1 M
Tax Provision20.3 M
Quarterly Earnings Growth Y O Y-0.531
Property Plant And Equipment Net104 M
Cash And Short Term Investments1.1 B
Cash69.7 M
Net Debt140.4 M
50 Day M A37.6878
Total Current Liabilities5.4 B
Other Operating Expenses211.3 M
Non Current Assets Total5.2 B
Forward Price Earnings12.837
Non Currrent Assets Other332.7 M
Stock Based Compensation2.9 M

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When running German American's price analysis, check to measure German American's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy German American is operating at the current time. Most of German American's value examination focuses on studying past and present price action to predict the probability of German American's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move German American's price. Additionally, you may evaluate how the addition of German American to your portfolios can decrease your overall portfolio volatility.
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