German American Bancorp Stock Analysis

GABC Stock  USD 37.93  0.66  1.71%   
German American Bancorp is fairly valued with Real Value of 38.6 and Target Price of 47.83. The main objective of German American stock analysis is to determine its intrinsic value, which is an estimate of what German American Bancorp is worth, separate from its market price. There are two main types of German American's stock analysis: fundamental analysis and technical analysis.
The German American stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and German American's ongoing operational relationships across important fundamental and technical indicators.
  
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in German American Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

German Stock Analysis Notes

About 44.0% of the company shares are owned by institutional investors. The book value of German American was currently reported as 24.1. The company has Price/Earnings To Growth (PEG) ratio of 2.43. German American Bancorp last dividend was issued on the 10th of February 2025. The entity had 3:2 split on the 24th of April 2017. German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana. German Amer operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 894 people. To learn more about German American Bancorp call Neil CPA at 812 482 1314 or check out https://www.germanamerican.com.

German American Quarterly Total Revenue

76.56 Million

German American Bancorp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. German American's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding German American Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
German American generated a negative expected return over the last 90 days
On 20th of February 2025 German American paid $ 0.29 per share dividend to its current shareholders
Latest headline from news.google.com: Intech Investment Management LLC Makes New 489,000 Investment in German American Bancorp, Inc. - MarketBeat

German American Bancorp Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to German American previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
29th of January 2024
Upcoming Quarterly Report
View
22nd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

German Largest EPS Surprises

Earnings surprises can significantly impact German American's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2010-01-27
2009-12-310.180.20.0211 
2009-01-27
2008-12-310.180.20.0211 
2008-10-28
2008-09-300.180.20.0211 
View All Earnings Estimates

German American Environmental, Social, and Governance (ESG) Scores

German American's ESG score is a quantitative measure that evaluates German American's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of German American's operations that may have significant financial implications and affect German American's stock price as well as guide investors towards more socially responsible investments.

German Stock Institutional Investors

Shares
Northern Trust Corp2024-12-31
277.4 K
Bank Of New York Mellon Corp2024-12-31
196.3 K
Mutual Of America Capital Management Llc2024-12-31
194.4 K
Aptus Capital Advisors, Llc2024-12-31
188.3 K
Proshare Advisors Llc2024-12-31
178.8 K
Morgan Stanley - Brokerage Accounts2024-12-31
166 K
Deprince Race & Zollo Inc2024-12-31
162.4 K
Kennedy Capital Management Inc2024-12-31
138.5 K
Goldman Sachs Group Inc2024-12-31
131.4 K
Blackrock Inc2024-12-31
2.4 M
Vanguard Group Inc2024-12-31
1.7 M
Note, although German American's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

German Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.44 B.

German Profitablity

The company has Profit Margin (PM) of 0.33 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.46 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.46.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.09 

Management Efficiency

German American Bancorp has return on total asset (ROA) of 0.0135 % which means that it generated a profit of $0.0135 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1216 %, meaning that it created $0.1216 on every $100 dollars invested by stockholders. German American's management efficiency ratios could be used to measure how well German American manages its routine affairs as well as how well it operates its assets and liabilities. As of March 26, 2025, Return On Tangible Assets is expected to decline to 0.01. In addition to that, Return On Capital Employed is expected to decline to 0.0008. At present, German American's Non Currrent Assets Other are projected to increase significantly based on the last few years of reporting. The current year's Other Assets is expected to grow to about 4.6 B, whereas Non Current Assets Total are forecasted to decline to about 272.7 M.
Last ReportedProjected for Next Year
Book Value Per Share 24.11  25.32 
Tangible Book Value Per Share 17.94  18.84 
Enterprise Value Over EBITDA 10.24  13.39 
Price Book Value Ratio 1.67  2.00 
Enterprise Value Multiple 10.24  13.39 
Price Fair Value 1.67  2.00 
Enterprise Value1.3 B1.3 B
German American's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Dividend Yield
0.0306
Operating Margin
0.4624
Profit Margin
0.3346
Forward Dividend Yield
0.0306
Beta
0.594

Technical Drivers

As of the 26th of March, German American retains the Risk Adjusted Performance of (0.11), market risk adjusted performance of (0.26), and Standard Deviation of 1.51. German American technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.

German American Bancorp Price Movement Analysis

Execute Study
The output start index for this execution was nineteen with a total number of output elements of fourty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. German American middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for German American Bancorp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

German American Bancorp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific German American insiders, such as employees or executives, is commonly permitted as long as it does not rely on German American's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases German American insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Clay Barrett over a week ago
Disposition of 552 shares by Clay Barrett of German American at 38.66 subject to Rule 16b-3
 
Mccomb Gregory Scott over a week ago
Acquisition by Mccomb Gregory Scott of 403 shares of German American subject to Rule 16b-3
 
Medley Diane B over three weeks ago
Acquisition by Medley Diane B of 1000 shares of German American at .21 subject to Rule 16b-3
 
Sheidler Jack over a month ago
Acquisition by Sheidler Jack of tradable shares of German American at 40.35 subject to Rule 16b-3
 
Sheidler Jack over a month ago
Acquisition by Sheidler Jack of tradable shares of German American at 40.35 subject to Rule 16b-3
 
Mccomb Gregory Scott over a month ago
Insider Trading
 
Sheidler Jack over two months ago
Acquisition by Sheidler Jack of tradable shares of German American at .0362 subject to Rule 16b-3
 
Bawel Zachary W over three months ago
Acquisition by Bawel Zachary W of tradable shares of German American at 44.38 subject to Rule 16b-3
 
Bawel Zachary W over three months ago
Acquisition by Bawel Zachary W of tradable shares of German American at 40.75 subject to Rule 16b-3
 
Ellspermann Susan J over six months ago
Acquisition by Ellspermann Susan J of tradable shares of German American at .59 subject to Rule 16b-3
 
Seger Thomas W over six months ago
Acquisition by Seger Thomas W of tradable shares of German American at 32.19 subject to Rule 16b-3
 
Seger Thomas W over six months ago
Acquisition by Seger Thomas W of 522 shares of German American at 38.2696 subject to Rule 16b-3

German American Outstanding Bonds

German American issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. German American Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most German bonds can be classified according to their maturity, which is the date when German American Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

German American Predictive Daily Indicators

German American intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of German American stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

German American Corporate Filings

8K
21st of March 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
19th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
13th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
3rd of March 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
F4
27th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
19th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F5
14th of February 2025
The annual filing required by the Securities and Exchange Commission (SEC) from company insiders or beneficial owners
ViewVerify

German American Forecast Models

German American's time-series forecasting models are one of many German American's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary German American's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About German Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how German American prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling German shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as German American. By using and applying German Stock analysis, traders can create a robust methodology for identifying German entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.48  0.27 
Operating Profit Margin 0.03  0.02 
Net Profit Margin 0.39  0.21 
Gross Profit Margin 1.35  0.75 

Current German Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. German analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. German analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
47.83Buy6Odds
German American Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most German analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand German stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of German American Bancorp, talking to its executives and customers, or listening to German conference calls.
German Analyst Advice Details

German Stock Analysis Indicators

German American Bancorp stock analysis indicators help investors evaluate how German American stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading German American shares will generate the highest return on investment. By understating and applying German American stock analysis, traders can identify German American position entry and exit signals to maximize returns.
Begin Period Cash Flow115.3 M
Long Term Debt150.9 M
Common Stock Shares Outstanding29.7 M
Total Stockholder Equity715.1 M
Tax Provision20.3 M
Quarterly Earnings Growth Y O Y0.075
Property Plant And Equipment Net104 M
Cash And Short Term Investments1.6 B
Cash69.2 M
Net Debt83.5 M
50 Day M A39.5808
Other Operating Expenses214.9 M
Non Current Assets Total287.1 M
Forward Price Earnings12.837
Stock Based Compensation2.9 M

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When running German American's price analysis, check to measure German American's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy German American is operating at the current time. Most of German American's value examination focuses on studying past and present price action to predict the probability of German American's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move German American's price. Additionally, you may evaluate how the addition of German American to your portfolios can decrease your overall portfolio volatility.
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