Loading stock…

German American Bancorp, Inc. (GABC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

German American Bancorp, Inc.

GABCMarket cap $1.82BPrice $48.4

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Indiana, Kentucky, and Illinois, offering loans, deposits, and wealth management to small businesses and farmers. Despite its small-town footprint, it's outgrown many regional rivals through decades of steady acquisitions.

In Bastion Portfolios?

52W Return+30%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+11%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+10%–

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+28%8

EPS Growth Y+2+5%5

EPS Growth Y+3+15%8

Quality

Margins

EBIT Margin0%6

Net Income Margin37%10

Free Cash Flow Margin48%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE12%6

ROA2%4

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)107

P/BV1.58

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield2.6%6

Momentum

Short term

1 month return-2%7

3 month return+5%7

YTD return+26%8

Mid term

Price vs 52wHigh93%9

1 year return+28%8

Long term

3 year return+96%7

5 year return+42%5

Risk Shield

Price Risk

Beta0.76

Volatility22%9

Free Cash Flow

Free Cash Flow Margin48%10

Free Cash Flow Yield0.0%8

Quality

ROCE14%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

GABCGerman American Bancorp

Revenue FY25$342M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+28%8

EPS growth, FY27E+5%5

EPS growth, FY28E+15%8

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 15%/yr vs revenue 10%/yr).

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 11%/yr over the last 3 years and is set to keep growing around 10%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG78 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+5%7

YTD return+26%8

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+28%8

3-year return+96%7

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 28% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+5%) and so far this year (+26%).

WATCH

Average long-term results. Multi-year returns are middling (+96% over three years and +42% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on German American Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community

Loading charts…

02Growth

Is it actually growing, and how fast?

GABCGerman American Bancorp

Revenue FY25$342M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+11%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+28%8

EPS growth, FY27E+5%5

EPS growth, FY28E+15%8

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 15%/yr vs revenue 10%/yr).

WATCH

Revenue is set to grow 10%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 11%/yr over the last 3 years and is set to keep growing around 10%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

STRONG78 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+5%7

YTD return+26%8

MID & LONG-TERM▾SCORE

% of 52-week high93%9

1-year return+28%8

3-year return+96%7

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

It's up 28% over the past year, now 7% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+5%) and so far this year (+26%).

WATCH

Average long-term results. Multi-year returns are middling (+96% over three years and +42% over five), roughly average for the market.

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on German American Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community