Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
GABC 
German American Bancorp Inc (GABC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/27/2025: GABC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -14.63% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.41B USD | Price to earnings Ratio 13.32 | 1Y Target Price 47.83 |
Price to earnings Ratio 13.32 | 1Y Target Price 47.83 | ||
Volume (30-day avg) 136906 | Beta 0.59 | 52 Weeks Range 30.43 - 46.74 | Updated Date 03/30/2025 |
52 Weeks Range 30.43 - 46.74 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 3.08% | Basic EPS (TTM) 2.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.46% | Operating Margin (TTM) 46.24% |
Management Effectiveness
Return on Assets (TTM) 1.35% | Return on Equity (TTM) 12.16% |
Valuation
Trailing PE 13.32 | Forward PE 12.84 | Enterprise Value 1435694592 | Price to Sales(TTM) 5.63 |
Enterprise Value 1435694592 | Price to Sales(TTM) 5.63 | ||
Enterprise Value to Revenue 7.28 | Enterprise Value to EBITDA - | Shares Outstanding 37426100 | Shares Floating 35759036 |
Shares Outstanding 37426100 | Shares Floating 35759036 | ||
Percent Insiders 5.15 | Percent Institutions 44.34 |
Analyst Ratings
Rating 3.83 | Target Price 47.83 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
German American Bancorp Inc
Company Overview
History and Background
German American Bancorp Inc. was founded in 1910. Initially, it focused on serving the banking needs of its local communities in southern Indiana. Over the years, it expanded through organic growth and acquisitions, diversifying its financial services offerings.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services to businesses, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Offers traditional retail banking services such as checking accounts, savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
- Insurance: Offers a range of insurance products and services.
Leadership and Structure
The leadership team is headed by the CEO, with various executive vice presidents overseeing different business segments. The organizational structure is typical of a regional bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. Market share information specific to German American Bancorp Inc. is difficult to determine. Competitors include other regional and national banks such as Old National Bancorp and Fifth Third Bancorp.
- Mortgages: Mortgage products are offered to both retail and commercial clients. Market share is dependent on local markets. Competitors include national mortgage lenders and other local banks.
- Deposit Accounts: Checking, savings and money market accounts drive revenue through net interest margin. Competitors include Chase, Regions and PNC.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations related to digital banking. Consolidation is also an ongoing trend.
Positioning
German American Bancorp Inc. is positioned as a regional bank focused on providing personalized service to its customers. Its competitive advantages include its strong local presence and community relationships.
Total Addressable Market (TAM)
The total addressable market for banking services includes all individuals and businesses within the bank's operating footprint. GABC is well-positioned for growth through targeted expansion and technology advancements.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified revenue streams
- Solid capital base
- High customer satisfaction
Weaknesses
- Limited geographic reach compared to larger national banks
- Dependence on interest rate spreads
- Exposure to regional economic conditions
- Smaller marketing budget compared to larger peers.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from larger national banks
- Economic downturn in its operating region
Competitors and Market Share
Key Competitors
- ONB
- FITB
- HBNC
Competitive Landscape
German American Bancorp Inc. competes with larger national banks and other regional banks. Its advantages include local expertise and personalized service, while its disadvantages include limited geographic reach.
Major Acquisitions
Citizens Union Bancorp of Shelbyville, Inc.
- Year: 2018
- Acquisition Price (USD millions): 105
- Strategic Rationale: Expanded market presence in Kentucky and increased the company's deposit base.
Growth Trajectory and Initiatives
Historical Growth: German American Bancorp Inc. has demonstrated consistent growth through organic expansion and strategic acquisitions.
Future Projections: Future growth projections depend on analyst estimates and economic conditions. Continued expansion and focus on digital banking are expected.
Recent Initiatives: Recent initiatives include expanding digital banking services, investing in technology infrastructure, and pursuing strategic acquisitions.
Summary
German American Bancorp Inc. demonstrates consistent financial performance and growth through a combination of organic expansion and strategic acquisitions. While their local expertise and community relationships are strengths, their limited geographical reach and dependence on interest rate spreads remain challenges. The company must continue to invest in technology and digital services to stay competitive. Overall, German American Bancorp Inc. appears to be a relatively stable regional bank.
Similar Companies
- ONB
- HBNC
- FFBC
- CMA
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About German American Bancorp Inc
Exchange NASDAQ | Headquaters Jasper, IN, United States | ||
IPO Launch date 1993-05-21 | CEO & Chairman Mr. D. Neil Dauby CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1020 | Website https://www.germanamerican.com |
Full time employees 1020 | Website https://www.germanamerican.com | ||
German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and health management services. The company operates through Core Banking, and Trust and Investment Advisory Services segments. 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. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.