Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
GABC
BUYFLAGGerman American Bancorp, Inc. · Financial Services · United States · $1.8B · Avg Vol: $10M/d
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)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 259.7M | 250.7M | 214.9M | 361.4M | 11.6% | 370.0M | 394.7M | 412.8M | 6.9% |
| EPS | 3.17 | 2.78 | 2.91 | 2.83 | 3.06 | -0.9% | 3.64 | 3.25 | 3.45 | 6.2% |
| Shares | — | 29.5M | 29.6M | 29.7M | 37.5M | +27.1% | 37.6M | — | — | — |
| Debt | — | 127.6M | 128.0M | 153.3M | 138.8M | 2.8% | 178.5M | — | — | — |
| Equity | — | 558.4M | 663.6M | 715.1M | 1.2B | 27.7% | — | — | — | — |
| Op CF | — | 110.0M | 107.2M | 95.8M | 159.3M | 13.1% | 158.4M | — | — | — |
| Inv CF | — | -24.2M | 27.3M | -82.4M | -60.3M | — | — | — | — | — |
| Fin CF | — | -363.7M | -136.5M | 60.1M | -169.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GABC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| GABC | German American Bancorp, Inc.(you) | $1.8B | 76 | BUY |
| STBA | S&T Bancorp, Inc. | $1.9B | 74 | BUY |
| FCF | First Commonwealth Financial Corporation | $2.1B | 76 | BUY |
| RBCAA | Republic Bancorp, Inc. | $1.8B | 73 | BUY |
| AMAL | Amalgamated Financial Corp. | $1.5B | 77 | BUY |
| BY | Byline Bancorp, Inc. | $1.8B | 81 | STRONG BUY |
| NWBI | Northwest Bancshares, Inc. | $2.3B | 74 | BUY |
| BHRB | Burke & Herbert Financial Services Corp. | $1.4B | 75 | BUY |
| QCRH | QCR Holdings, Inc. | $1.7B | 71 | BUY |
| BUSE | First Busey Corporation | $2.5B | 76 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%