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    German American Bancorp Inc (GABC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $49.53
    +0.74 (+1.52%)

    Market Cap: $1.83B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(31/39)
    Avg Surprise
    +4.35%
    Streak
    5 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.01
    Range$0.99 - $1.04
    6 analysts
    EPS Revisions
    5
    0
    7d
    4
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.97+4.3%
    60d ago$0.96+5.2%
    30d ago$1.01+0.2%
    7d ago$1.01+0.2%
    Current$1.01
    Revenue Consensus
    $103M
    Range$102M - $103M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.11
    Range$1.08 - $1.15
    6 analysts
    Revenue Consensus
    $108M
    Range$106M - $108M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.11---
    Sep 26EST
    		-$1.01---
    Jun 26
    Reported Jul 27
    		$1.02$0.92+10.87%Beat+18.6%
    Mar 26
    Reported Apr 27
    		$0.88$0.88+0.00%Beat+193.3%
    Dec 25
    Reported Jan 26
    		$0.95$0.91+4.40%Beat+21.8%
    Sep 25
    Reported Oct 27
    		$0.92$0.87+5.75%Beat+29.6%
    Jun 25
    Reported Jul 28
    		$0.86$0.83+3.61%Beat+24.6%
    Mar 25
    Reported Apr 28
    		$0.30N/A-54.55%Miss-53.1%
    Dec 24
    Reported Jan 27
    		$0.78$0.70+11.43%Beat+6.8%
    Sep 24
    Reported Oct 28
    		$0.71$0.70+1.43%Beat-2.7%
    Jun 24
    Reported Jul 29
    		$0.69$0.62+11.29%Beat-8.0%
    Mar 24
    Reported Apr 29
    		$0.64$0.64+0.00%Beat-9.9%
    Dec 23
    Reported Jan 29
    		$0.73$0.67+8.96%Beat-12.0%
    Sep 23
    Reported Oct 30
    		$0.73$0.69+5.80%Beat-12.0%
    Jun 23
    Reported Jul 31
    		$0.75$0.68+10.29%Beat-8.5%
    Mar 23
    Reported Apr 24
    		$0.71$0.80-11.25%Miss+129.0%
    Dec 22
    Reported Jan 30
    		$0.83$0.84-1.19%Miss+13.7%
    Sep 22
    Reported Oct 31
    		$0.83$0.81+2.47%Beat+2.5%
    Jun 22
    Reported Jul 25
    		$0.82$0.71+15.49%Beat-8.9%
    Mar 22
    Reported Apr 25
    		$0.31N/A-55.07%Miss-58.1%
    Dec 21
    Reported Jan 31
    		$0.73$0.74-1.35%Miss-7.6%
    Sep 21
    Reported Oct 25
    		$0.81$0.72+12.50%Beat+47.3%
    Jun 21
    Reported Jul 26
    		$0.90$0.63+42.86%Beat+66.7%
    Mar 21
    Reported Apr 26
    		$0.74$0.65+13.85%Beat+57.4%
    Dec 20
    Reported Jan 25
    		$0.79$0.58+36.21%Beat+31.7%
    Sep 20
    Reported Oct 26
    		$0.55$0.51+7.84%Beat+0.0%
    Jun 20
    Reported Jul 27
    		$0.54$0.36+50.00%Beat-12.9%
    Mar 20
    Reported May 7
    		$0.47$0.45+4.44%Beat-24.2%
    Dec 19
    Reported Jan 27
    		$0.60$0.59+1.69%Beat+13.2%
    Sep 19
    Reported Oct 28
    		$0.55$0.58-5.17%Miss-1.8%
    Jun 19
    Reported Jul 29
    		$0.62$0.56+10.71%Beat+21.6%
    Mar 19
    Reported Apr 29
    		$0.62$0.56+10.71%Beat+21.6%
    Dec 18
    Reported Jan 28
    		$0.53$0.53+0.00%Beat+29.3%
    Sep 18
    Reported Oct 29
    		$0.56$0.56+0.00%Beat+33.3%
    Jun 18
    Reported Jul 30
    		$0.51$0.49+4.08%Beat+18.6%
    Mar 18
    Reported Apr 30
    		$0.51$0.48+6.25%Beat+21.4%
    Dec 17
    Reported Jan 29
    		$0.41$0.42-2.38%Miss-6.8%
    Sep 17
    Reported Oct 30
    		$0.42$0.44-4.55%Miss-
    Jun 17
    Reported Jul 31
    		$0.43$0.42+2.38%Beat-
    Mar 17
    Reported Apr 24
    		$0.42$0.40+5.00%Beat-
    Dec 16
    Reported Jan 30
    		$0.44$0.42+4.76%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.50%
    Forward Annual Dividend$1.24
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+8.03%
    5Y CAGR+8.83%
    GABC dividend history and ex-dividend datesRun GABC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio13.14EV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin37.40%Operating Margin52.20%
    ROE12.50%ROICN/A
    Financial Health
    Debt/Equity0.14xInterest Coverage1.04x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.60Avg Volume152.44K
    52-Week High$51.9152-Week Low$36.69

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$48.90
    SMA 20$48.94
    SMA 50$49.54
    SMA 200$44.81
    EMA 10$48.93
    EMA 20$49.01
    EMA 50$48.95
    EMA 200$45.55

    MACD

    Line: -0.13Signal: -0.18Hist: 0.05

    ADX

    ADX: 15.0+DI: 21.9-DI: 20.9

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$47.95

    Bollinger Bands

    Upper Band$49.70
    Lower Band$48.18
    %B Position311%(Upper)
    Band Width0.89

    RSI (14-Day)

    Neutral
    54.7

    Momentum Oscillators

    Stoch %K63.8
    Stoch %D52.9
    Williams %R-10.9
    ROC (10d)1.5%
    Momentum0.73
    CCI (20d)105.7
    MFI (14d)35.0

    Volatility Measures

    ATR (14d)$0.90(1.8%)
    StdDev (20d)0.38
    Hist Vol14.4%(Low)

    Volume Flow

    VWAP$49.43
    OBV3.4M
    AD Line-49.6M
    CMF (20d)0.155

    Volume Metrics

    Avg Vol (20d)153.9K
    Vol Ratio1.0x
    VWMA (20d)$48.94

    Pivot Points

    R3$50.41
    R2$49.75
    R1$49.27
    Pivot Point$48.61
    S1$48.13
    S2$47.47
    S3$46.99

    Advanced Oscillators

    TSI-5.35
    Ultimate Osc55.2
    KST-14.75

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$99.95M$96.08M$126.65M$94.15M$89.89M$81.41M$65.15M$62.40M$64.89M$60.82M$61.20M$62.36M
    Cost of RevenueN/A$28.86M$32.89M$33.07M$34.48M$44.94M$26.15M$26.68M$26.23M$24.16M$21.40M$18.98M
    Gross ProfitN/A$94.08M$93.77M$93.45M$88.69M$66.11M$64.52M$61.77M$25.95M$59.92M$61.20M$61.46M
    Operating Expenses$50.38M$52.37M$49.95M$49.70M$49.52M$52.78M$35.84M$36.13M$37.67M$36.74M$35.73M$35.42M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$28.57M$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$41.71M$43.81M$43.75M$39.17M$13.33M$28.68M$25.64M$26.59M$23.18M$25.47M$26.04M
    Interest Income$108.18M$105.71M$109.34M$108.10M$106.44M$96.22M$76.56M$74.65M$71.58M$68.26M$67.01M$65.64M
    Interest Expense$26.97M$26.86M$30.66M$32.37M$33.28M$29.64M$25.52M$26.06M$25.61M$23.26M$21.40M$18.08M
    Income Before Tax$48.07M$41.71M$43.81M$43.75M$39.17M$13.33M$28.68M$25.64M$26.59M$23.18M$25.47M$26.04M
    Income Tax Expense$9.90M$8.56M$8.13M$8.68M$7.81M$2.81M$5.47M$4.60M$6.07M$4.16M$3.96M$4.59M
    Net Income$38.17M$33.15M$35.68M$35.07M$31.36M$10.52M$23.21M$21.05M$20.53M$19.02M$21.51M$21.45M
    EBITDA$52.43M$46.15M$57.03M$48.52M$43.51M$16.65M$30.63M$27.74M$30.24M$26.92M$29.22M$29.80M
    EBIT$48.07M$41.71M$43.81M$43.75M$39.17M$13.33M$28.68M$25.64M$26.59M$23.18M$25.47M$26.04M
    * Some calculated fields are derived from available data when not provided by source

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    News

    German American Bancorp, Inc. (NASDAQ:GABC) Stock Rated "Moderate Buy" by Wall Street Analysts

    Five Wall Street analysts have given German American Bancorp (NASDAQ:GABC) a "Moderate Buy" rating, with an average 12-month price target of $53.33. The company recently exceeded quarterly earnings expectations...

    MarketBeat•10/16/26•Bullish

    Analyst consensus sets USD 53.33 target for German American Bancorp stock

    Analysts have set a consensus target of USD 53.33 for German American Bancorp (GABC) stock, which is 7.67% higher than its current Nasdaq price of USD 49.53. The company is expected to report third-quarter earnings...

    ad-hoc-news.de•10/15/26•Bullish

    German American Bancorp stock heads into Q3 results

    German American Bancorp (GABC) stock is approaching its Q3 2026 earnings release on October 26, after exceeding Q2 earnings expectations. Analysts have a "Moderate Buy" consensus with an average target price 8.7% above...

    AD HOC NEWS•10/7/26•Somewhat-Bullish

    German American Bancorp (NASDAQ:GABC) Stock Breaks Above 200 Day Moving Average - Time to Sell?

    German American Bancorp (NASDAQ:GABC) saw its stock price rise above its 200-day moving average, reaching $49.72 before closing at $48.82...

    MarketBeat•9/30/26•Bullish

    German American Bancorp stock reports USD 1.02 Q2 EPS beat

    German American Bancorp reported adjusted Q2 revenue of $101.344 million and adjusted EPS of $1.02, surpassing the consensus estimate by $0.10. For the first half of 2026...

    AD HOC NEWS•9/25/26•Bullish

    GABC Valuation and Fair Value

    P/E
    13.1x
    Forward P/E
    12.8x
    PEG
    1.5x
    P/B
    1.5x
    See GNG's fair value

    GABC Profitability: Margins, ROIC and FCF

    Operating margin
    52.2%
    Net margin
    37.4%
    ROE
    12.5%

    GABC Competitors

    CompanyTicker
    Horace Mann Educators CorporationHMN
    Republic Bancorp IncRBCAA
    Zhong Yang Financial Group Limited Ordinary SharesTOP
    SRH Total Return Fund Inc.STEW
    Patria Investments LtdPAX
    Hope Bancorp IncHOPE
    Western Union CoWU
    S&T Bancorp IncSTBA

    Sector: Financial Services

    GABC Analyst Ratings

    Consensus
    Buy
    Analysts
    6
    Strong Buy
    1
    Buy
    2
    Hold
    3
    Sell
    0
    Strong Sell
    0

    GABC Bull Case vs Bear Case

    Bull case

    • GABC has a 37.4% net profit margin.
    • GABC beat EPS estimates in 75.0% of its last 8 reported quarters.
    • GABC grew quarterly revenue 11.0% year over year.

    GABC Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    -2.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.01
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    4 up, 1 down

    GABC Dividend

    Forward yield
    2.5%
    3Y DPS growth
    8.0%
    5Y DPS growth
    8.8%
    Pay months
    Feb, May, Aug, Nov
    GABC dividend history

    Frequently Asked Questions About GABC

    What is GABC's current dividend yield?

    German American Bancorp Inc (GABC) has a forward dividend yield of 2.50%.

    Does GABC pay dividends?

    Yes, German American Bancorp Inc pays dividends with a forward dividend yield of 2.50%.

    What is GABC's P/E ratio?

    German American Bancorp Inc has a price-to-earnings (P/E) ratio of 13.14.

    What is GABC's market cap?

    German American Bancorp Inc (GABC) has a market capitalization of $1.83B with a current stock price of $49.53.

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