# German American Bancorp Inc. (GABC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $50.01, market value $1.9 billion.

## Valuation
- **P/E (trailing): 13.2×** (5-yr avg 11.9×, 3-yr avg 12.2×). German American Bancorp Inc. trades at 13.2× trailing earnings, close to its own five-year average of 11.9×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.50**. A PEG of 1.50 is in the range usually read as fairly priced for its growth.
- **Price / sales: 3.7×**. Each dollar of revenue is priced at 3.7×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.7%** (5-yr avg 10.2%). Free cash flow equals 9.7% of the market value, in line with its five-year average of 10.2%. Above 5% is generally attractive.
- **Earnings yield: 7.6%**. The inverse of the P/E: 7.6% of the price is earned each year.

## Profitability
- **Net margin: 23.1%**. 23.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.7%**. 9.7% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.7%**. Each dollar of assets produces 1.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 37.8%** (3-yr 20.6%/yr). Revenue grew 37.8% over the last year.
- **EPS growth (1 yr): 8.1%** (3-yr 3.3%/yr, 5-yr 5.5%/yr). Earnings per share rose 8.1%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 14.7%/yr**. Free cash flow has compounded at 14.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.44%** ($1.22 per share, trailing). German American Bancorp Inc. yields 2.44%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 38%** (25% of free cash flow). 38% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 23**. 23 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 8.8%/yr** (1-yr 7.4%). The dividend has grown 8.8% a year over five years.

## Price and momentum
- **Total return (1 yr): 22.4%** (YTD 29.5%, 3-mo 12.9%). The shares are up 22.4% over twelve months including dividends.
- **From 52-week high: -4.3%** (34.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.39** (volatility 22%). Beta of 0.39 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=GABC · Page: https://foliofundamentals.com/stocks/gabc

Not investment advice.