Stocks · Financial Services · Banks - Regional
German American Bancorp, Inc. GABC
$49.40 +1.23% Close, Oct 2, 2026 · NASDAQ · Market cap $1.86B
High qualityStrong trend
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 35.3% from 25.8% a year earlier.
- Diluted EPS over the last four quarters was $3.79, up 43.0% year over year.
- The stock is in an uptrend: above its 200-day average for 136 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 21%
- EPS growth (TTM, YoY)Top 24%
- FCF growth (TTM, YoY)Top 27%
- Revenue growth, 3-year CAGRTop 30%
- Revenue growth accelerationBottom 7%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 28%
- Gross marginTop 25%
- Operating marginTop 20%
- Cash conversion (OCF / net income)Top 37%
- Accruals (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Top 38%
- Interest coverTop 37%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 41%
- Free-cash-flow yieldTop 37%
- EBITDA / enterprise valueTop 27%
- Sales / enterprise valueBottom 38%
- P/E vs own 5-year history (lower is better)Top 44%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 27%
- 6-month returnTop 28%
- 1-year return vs S&P 500Top 24%
- Distance from 52-week highTop 26%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 46%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 37%
- Upside to consensus price targetBottom 33%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 33%
- Maximum drawdown, 3 yearsTop 41%
- Beta vs S&P 500 (lower is better)Top 45%
- Net debt / EBITDA (lower is better)Top 38%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 45.8% | 21.7% | ↓ |
| EPS growth (YoY) | 46.4% | 43.0% | ↓ |
| Gross margin | 68.0% | 75.5% | ↑ |
| Operating margin | 25.8% | 35.3% | ↑ |
| FCF margin | 27.6% | 36.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 21.7% | 45.8% | ↓ | Top 21% |
| EPS growth (TTM, YoY) | 43.0% | 46.4% | ↓ | Top 24% |
| Gross margin | 75.5% | 68.0% | ↑ | Top 25% |
| Operating margin | 35.3% | 25.8% | ↑ | Top 20% |
| Net margin | 28.2% | 20.8% | ↑ | — |
| Free-cash-flow margin | 36.3% | 27.6% | ↑ | — |
| Return on invested capital | 5.5% | — | Top 28% | |
| Revenue growth, 3-year CAGR | 20.6% | — | Top 30% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.33×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.40×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.42%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 2.42%
- Share count change, 1 year
- +4.1%
- Share count change, 3-year CAGR
- +8.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +5.5%
- Average 2-day reaction, last 8
- +1.2%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $54.50
- Target vs current price
- +10.3%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 38%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +10.5% | +0.8% | +5.1% | +3.0% | — |
| Apr 27, 2026 | -2.2% | +0.9% | -0.3% | -0.6% | +9.3% |
| Jan 26, 2026 | +6.7% | +0.8% | +4.5% | +4.3% | +7.7% |
| Oct 27, 2025 | +7.0% | -0.4% | -2.0% | +0.2% | +5.9% |
| Jul 28, 2025 | +3.6% | +0.6% | -5.8% | +4.7% | -2.4% |
| Apr 28, 2025 | -58.3% | +0.7% | +6.4% | +3.8% | +11.4% |
| Jan 27, 2025 | +9.9% | +1.8% | +5.4% | +0.7% | -7.3% |
| Oct 28, 2024 | +1.4% | +4.0% | +3.1% | +17.5% | +0.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $1.02 | $0.92 | +10.5% | $101.3M |
| Apr 27, 2026 | $0.88 | $0.90 | -2.2% | $97.4M |
| Jan 26, 2026 | $0.96 | $0.90 | +6.7% | $97.8M |
| Oct 27, 2025 | $0.92 | $0.86 | +7.0% | $94.2M |
| Jul 28, 2025 | $0.86 | $0.83 | +3.6% | $89.9M |
| Apr 28, 2025 | $0.30 | $0.72 | -58.3% | $82.7M |
| Jan 27, 2025 | $0.78 | $0.71 | +9.9% | $65.1M |
| Oct 28, 2024 | $0.71 | $0.70 | +1.4% | $62.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.0× | 13.4× | 48th | Top 41% |
| P/E (forward) | 12.6× | — | — | — |
| EV / EBITDA | 9.6× | — | — | Top 27% |
| EV / Sales | 3.85× | — | — | Bottom 38% |
| Free-cash-flow yield | 9.83% | — | — | Top 37% |
| Earnings yield | 7.67% | — | — | Top 41% |
P/E over the past five years
Range 8.5× – 16.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +26.6%
- Earnings per share growth (TTM)
- +43.0%
- Change in P/E multiple
- -7.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 136
- 50-day average slope (20 days)
- +1.4%
- 200-day average slope (20 days)
- +2.2%
- Distance from 50-day average
- -0.9%
- Distance from 200-day average
- +10.4%
- RSI (14)
- 51.3
- Relative volume
- 0.75×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.6%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.65
- Correlation with S&P 500
- 0.44
- Current drawdown from 1-year high
- -3.9%
- Maximum drawdown, 3 years
- -26.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 16, 2021 | Oct 24, 2023 | -48.8% | 657 days | 690 days (Jul 28, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.86B
- P/E (TTM)
- 13.0
- EPS, diluted (TTM)
- $3.79
- Revenue (TTM)
- $503.0M
- Dividend yield
- 2.47%
- 52-week range
- $37.19 – $52.23
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $229.8M | $278.1M | $316.9M | $315.4M | $487.4M |
| Gross profit | $226.8M | $253.4M | $248.1M | $212.2M | $342.0M |
| Operating income | $102.8M | $99.2M | $103.6M | $104.1M | $140.1M |
| Net income | $84.1M | $81.8M | $85.9M | $83.8M | $112.6M |
| EPS (diluted) | $3.17 | $2.78 | $2.91 | $2.83 | $3.06 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $88.5M | $90.7M | $111.1M | $123.2M | $126.5M | $126.7M | $122.9M | $126.9M |
| Net income | $21.0M | $23.2M | $10.5M | $31.4M | $35.1M | $35.7M | $33.2M | $38.2M |
| EPS (diluted) | $0.71 | $0.78 | $0.30 | $0.86 | $0.94 | $0.95 | $0.88 | $1.02 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $100.8M | $110.0M | $107.2M | $95.8M | $159.3M |
| Capital expenditure | -$4.7M | -$7.9M | -$5.7M | -$5.0M | -$5.3M |
| Free cash flow | $96.2M | $102.2M | $101.5M | $90.7M | $154.0M |
| Dividends paid | -$22.2M | -$27.0M | -$29.4M | -$31.8M | -$43.3M |
| Net share buybacks | $0 | $0 | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $94.2M
- Total assets
- $8.44B
- Total liabilities
- $7.23B
- Total debt
- $174.1M
- Net debt
- $80.0M
- Shareholders’ equity
- $1.21B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 10, 2026 | $0.31 | Aug 20, 2026 |
| May 8, 2026 | $0.31 | May 20, 2026 |
| Feb 10, 2026 | $0.31 | Feb 20, 2026 |
| Nov 10, 2025 | $0.29 | Nov 20, 2025 |
| Aug 8, 2025 | $0.29 | Aug 20, 2025 |
| May 9, 2025 | $0.29 | May 20, 2025 |
| Feb 10, 2025 | $0.29 | Feb 20, 2025 |
| Nov 8, 2024 | $0.27 | Nov 20, 2024 |
Short interest
- Shares sold short
- 1,305,578
- Days to cover
- 11.19
- Change vs previous report
- +6.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 24, 2017
- 3-for-2
- Nov 26, 2003
- 21-for-20
- Nov 26, 2002
- 21-for-20
- Nov 28, 2001
- 21-for-20
- Nov 28, 2000
- 21-for-20