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GABC

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German American Bancorp, Inc. · Financial Services · United States · $1.9B · Avg Vol: $6M/d

72
StockRank
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Q
64
V
40
M
63
P/E (TTM)
13.2x
ROE
12.5%
D/E
0.1x
Dividend %
2.5%
Dir. Trades · 180d
+$67.6K →
Buybacks · 180d
None →
AI CONVICTION THESIS

German American Bancorp has quality Q63 and momentum M69, but value at V40 is below the calibrated floor, and the insider buy rounds to nil, so stage one fails.

COMPANY DESCRIPTION

German American Bancorp, Inc. is a financial holding company providing comprehensive community banking, insurance, and wealth management services primarily across southern Indiana and Kentucky. The company's competitive moat lies in its deep local market penetration, strong customer relationships, and ability to offer a personalized suite of financial products. It serves as a key financial partner for individuals and businesses in its growth-oriented regional footprint.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue—259.7M250.7M214.9M361.4M11.6%379.8M399.3M416.8M7.4%
EPS3.172.782.912.833.06-0.9%3.803.413.588.1%
Shares—29.5M29.6M29.7M37.5M+27.1%37.6M———
Debt—127.6M128.0M153.3M138.8M2.8%177.5M———
Equity—558.4M663.6M715.1M1.2B27.7%————
Op CF—110.0M107.2M95.8M159.3M13.1%189.6M———
Inv CF—-24.2M27.3M-82.4M-60.3M—————
Fin CF—-363.7M-136.5M60.1M-169.5M—————
Loading 1Y...
PRICE (1Y)-2.8%
48.8649.4950.1250.7551.38Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$49.70
RSI (14)
47.3
52W High
$51.91
From 52W High
1.0%

SCORE BREAKDOWN

Quality
64
ROIC (ROA)
1.7%*52.6
ROE
12.5%63.8
GP/Assets
4.5%N/A
Op. Margin
52.2%72.3
FCF/Assets
1.8%N/A
Piotroski
685.8
Int. Cover
—50.0
D/E Ratio
0.12xN/A
Current Ratio
bankN/A
Value
40
P/E (TTM)
13.2x48.2
EV/EBITDA
bankN/A
P/FCF
12.2xN/A
P/B
1.6x35.8
P/S
4.9x34.3
Div Yield
2.5%32.9
Momentum
63
52W High %
96%77.2
RS 6M
14%77.0
SMA 50/200
1.13x80.7
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+3.2%76.9
EPS Improve
+8%31.8
Q Growth
22%53.9

FUNDAMENTALS

Market Cap
$1.9B
P/E (Forward)
12.2x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GABC are excluded.

TickerCompanyMkt CapStockRankSignal
GABCGerman American Bancorp, Inc.(you)$1.9B72Buy
BYByline Bancorp, Inc.$1.7B73Buy
FCFFirst Commonwealth Financial Corporation$2.1B72Buy
OBKOrigin Bancorp, Inc.$1.6B70Buy
NWBINorthwest Bancshares, Inc.$2.2B73Buy
SRCE1st Source Corporation$2.1B75Buy
DCOMDime Commercial Bancshares, Inc.$1.8B68Buy
BANRBanner Corporation$2.4B71Buy
PEBOPeoples Bancorp Inc.$1.4B74Buy
BUSEFirst Busey Corporation$2.5B73Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

German American Bancorp, Inc. (GABC): Stock Score Summary

German American Bancorp, Inc. (GABC) has a MoatMap StockRank of 72/100 based on Quality (64/100), Value (40/100), and Momentum (63/100) factor scores. The current signal is BUY. German American Bancorp has quality Q63 and momentum M69, but value at V40 is below the calibrated floor, and the insider buy rounds to nil, so stage one fails.

German American Bancorp, Inc. is a financial holding company providing comprehensive community banking, insurance, and wealth management services primarily across southern Indiana and Kentucky. The company's competitive moat lies in its deep local market penetration, strong customer relationships, and ability to offer a personalized suite of financial products. It serves as a key financial partner for individuals and businesses in its growth-oriented regional footprint.

Key Financial Metrics

Price$49.70
Market Cap$1.9B
P/E (TTM)13.16
P/E (Forward)12.15
Price/Book1.55
Return on Equity12.5%
Debt/Equity0.12x
Operating Margin52.2%
Revenue Growth11.0%
Dividend Yield2.5%
Free Cash Flow$153M

German American Bancorp, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is German American Bancorp, Inc.’s (GABC) StockRank?
MoatMap’s StockRank for German American Bancorp, Inc. (GABC) is 72/100, with a Buy signal. It is a composite of Quality (64), Value (40), and Momentum (63) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does German American Bancorp, Inc. have an economic moat?
German American Bancorp, Inc. (GABC) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is German American Bancorp, Inc. a buy, hold, or sell?
MoatMap’s current signal for German American Bancorp, Inc. (GABC) is Buy, based on a StockRank of 72/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is German American Bancorp, Inc. in?
German American Bancorp, Inc. (GABC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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