German American Bancorp stock

GABCNASDAQ

German American Bancorp, Inc., Financial ServicesISIN US3738651047

$49.70▼ $0.26 (−0.5%)Closing price of 12 Nov 2026

72Score 72 out of 100, Strong

Turn on early warning

Price and trend

80 / 100

Price history

+26% in one year

The chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.

TrendAbove the 200-day line, momentum normal

Long-term trend

Above the 200-day line: the price is 7.8% above it.

Trend change

Since August 2025 the 50-day line has been above the 200-day line; the trend has turned up.

Momentum

Normal: the price is neither overheated nor sold off (RSI 43).

Distance to the high

The price is 3.3% below its 52-week high. Largest decline in 20 years: 49% (March 2021 to October 2023).

Chart figures for advanced users

SMA 50$49.52: Average price of the last 50 trading days, shows the short-term trend.
SMA 200$46.11: Average price of the last 200 trading days, shows the long-term trend.
RSI (14)43: Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
MACDbelow the signal line: Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
Support$37.99: The lowest closing price of the last twelve months.
Resistance$51.38: The highest closing price of the last twelve months.

What would $1,000 in German American Bancorp have become?Return triangle for German American Bancorp

Market cap

$1.88B

Div. yield

2.48%

12 months

12.9

12.1

on earnings for the next twelve months ($4.13 per share)

Fair value

$53.63

Snapshot

Computed from the data by fixed rules, no AI

German American Bancorp, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $1.87B, is number 249 of 422 companies in its industry on MEQIRI.
In fiscal 2025 it reported revenue of $361.44M (up 68.2% year on year) and earnings of $112.64M (up 34.4%).
For fiscal 2026, analysts expect on average revenue of $407.35M (up 12.7%) and adjusted earnings per share of $3.95 (up 29.9%).

MEQIRI Score 72 out of 100 (Strong): rank 345 of 976 in Financial Services, median 68.
The P/E is 12.8 (Banks (Regional) median 12.2, own median of recent years 14).
Our model puts fair value at $53.63, with the price 7% below it.

In plain words

The numbers on this page in plain words, written by an AI

Strengths

Reliable dividendNo dividend cut for over 33 years.
Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 84
Growing faster than its industryRevenue up 11.5% a year since 2020, Banks (Regional) median 7.5%.Growth 71

Weaknesses

DilutionShare count up 39% since 2020.Capital allocation 45

72/ 100

Score

Strong

Its standout strengths are stability and fundamentals, while capital allocation holds the score back.

Daily figure as of 12 Nov 2026

How the score is calculated

Score overview

The fundamentals are strong overall.

Profit consistency100% of years

Cash conversion (free cash flow to earnings)not used for financials

ROE (12 months)12.4%

Positive free cash flownot used for financials

How this category is measured

Score history

The full history of up to 20 years comes with MEQIRI Pro.

See plans

Crash risk low

How well MEQIRI warns

One of the 30% with the lowest crash risk among smaller stocks.

From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.

What lowers it

calm price action
solid fundamentals
price near its 52-week high

Valuation

Valuation signal

Fairly valued

Price

$49.96

Fair value

$53.63

Gap to fair value

−7%

Closing price of 11 Nov 2026, used by the daily score.

In our model the price counts as cheap below $44.70 and expensive above $67.04 (uncertainty low, based on the price swings of the past year).

The two parts of the fair value come to $59.87 (excess return model) and $47.40 (industry comparison), and the gap between them shows how uncertain the estimate is.

Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $48.65, at 7.8% it would be $61.12.

Valuation metrics

1.62

12.4%

last 12 months, profit over average equity

Fair value (model)

$53.63

Earnings part $47.40 (earnings per share $3.88 × 12.2)

Half from the excess return model, half from earnings times the industry P/E (12.2).

Calculate with your own assumptions

Company performance

This shows several years of history with an automatic assessment.

Revenue

20 years

In the twelve months to 30 Sep 2026, revenue rose 19.2% on the twelve months before. Revenue has grown solidly since 2006, at about 11% per year.

Margins

20 years

Operating margin
Net margin

In fiscal 2025: operating 39%, net 31%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 37%.

Debt & balance sheet

latest quarter

0.23

Equity

$1.15B

0.18

Cash & equivalents

$68.53M

For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.

Earnings

Next earnings: 25 Jan 2027in 74 days
Last reported: 26 Oct 2026EPS reported $1.03 (expected $1.01)in line with expectations

Analyst estimates

Earnings estimates have barely changed since 15 Oct 2026.

Fiscal 20265 analysts

Earnings per share: $3.95+0.6%
Revenue: $407.35M+0.5%

Fiscal 20275 analysts

Earnings per share: $4.16+0.9%
Revenue: $428.62M+1.2%

MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.

Insiders1 insider bought in the last 6 months, no sells

Insiders

Open-market purchases and sales by executives, board members and major holders

All insider purchases

One insider bought on the open market in the last 6 months, $1,000 in total.

Not counted: 19 purchases under a fixed plan (compensation, savings plan or a pre-arranged Rule 10b5-1 trading plan).

Bawel Zachary WPlan purchase
15 Oct 2026, Board
Shares
344.32
Price
$49.66
Value
$17,100
Ryan Christina MPlan purchase
15 Oct 2026, Board
Shares
2.01
Price
$49.66
Value
$100
Seger Andrew MPlan purchase
15 Oct 2026, Board
Shares
2.01
Price
$49.66
Value
$100

Show 17 more

Ryan Christina MPlan purchase
15 Sept 2026, Board
Shares
124.27
Price
$49.89
Value
$6,200
Bawel Zachary WPlan purchase
15 Sept 2026, Board
Shares
400.85
Price
$49.89
Value
$20,000
Seger Andrew MPlan purchase
15 Sept 2026, Board
Shares
150.32
Price
$49.89
Value
$7,500
Seger Andrew MPlan purchase
17 Aug 2026, Board
Shares
391.25
Price
$51.12
Value
$20,000
Ryan Christina MPlan purchase
17 Aug 2026, Board
Shares
391.25
Price
$51.12
Value
$20,000
Bawel Zachary WPlan purchase
17 Aug 2026, Board
Shares
391.25
Price
$51.12
Value
$20,000
Kelly Jason MPlan purchase
17 Aug 2026, Board
Shares
48.91
Price
$51.12
Value
$2,500
Ryan Christina MPlan purchase
16 Jul 2026, Board
Shares
418.08
Price
$47.84
Value
$20,000
Bawel Zachary WPlan purchase
16 Jul 2026, Board
Shares
418.08
Price
$47.84
Value
$20,000
Seger Andrew MPlan purchase
16 Jul 2026, Board
Shares
418.08
Price
$47.84
Value
$20,000
Stokes Ronnie RPlan purchase
16 Jul 2026, Board
Shares
313.56
Price
$47.84
Value
$15,000
Kelly Jason MPlan purchase
16 Jul 2026, Board
Shares
418.08
Price
$47.84
Value
$20,000
Bawel Zachary WPlan purchase
15 Jun 2026, Board
Shares
21.95
Price
$45.55
Value
$1,000
Seger Andrew MPlan purchase
15 Jun 2026, Board
Shares
21.95
Price
$45.55
Value
$1,000
Ryan Christina MPlan purchase
15 Jun 2026, Board
Shares
21.95
Price
$45.55
Value
$1,000
Ellspermann Susan JPlan purchase
15 Jun 2026, Board
Shares
21.95
Price
$45.55
Value
$1,000
Seger Andrew MPurchase
15 May 2026, Board
Shares
23.9
Price
$41.84
Value
$1,000

Trade date	Person	Type	Shares	Price	Value	Holding
15 Oct 2026	Bawel Zachary WBoard	Plan purchase	344.32	$49.66	$17,100	27,559.64(+1%)
15 Oct 2026	Ryan Christina MBoard	Plan purchase	2.01	$49.66	$100	19,734.68(+0%)
15 Oct 2026	Seger Andrew MBoard	Plan purchase	2.01	$49.66	$100	20,560.35(+0%)
15 Sept 2026	Ryan Christina MBoard	Plan purchase	124.27	$49.89	$6,200	19,732.66(+1%)
15 Sept 2026	Bawel Zachary WBoard	Plan purchase	400.85	$49.89	$20,000	27,215.32(+1%)
15 Sept 2026	Seger Andrew MBoard	Plan purchase	150.32	$49.89	$7,500	20,558.33(+1%)
17 Aug 2026	Seger Andrew MBoard	Plan purchase	391.25	$51.12	$20,000	20,383.46(+2%)
17 Aug 2026	Ryan Christina MBoard	Plan purchase	391.25	$51.12	$20,000	19,497.04(+2%)
17 Aug 2026	Bawel Zachary WBoard	Plan purchase	391.25	$51.12	$20,000	26,665.96(+1%)
17 Aug 2026	Kelly Jason MBoard	Plan purchase	48.91	$51.12	$2,500	15,555.3(+0%)
16 Jul 2026	Ryan Christina MBoard	Plan purchase	418.08	$47.84	$20,000	19,105.79(+2%)
16 Jul 2026	Bawel Zachary WBoard	Plan purchase	418.08	$47.84	$20,000	26,274.71(+2%)
16 Jul 2026	Seger Andrew MBoard	Plan purchase	418.08	$47.84	$20,000	19,992.21(+2%)
16 Jul 2026	Stokes Ronnie RBoard	Plan purchase	313.56	$47.84	$15,000	8,626.41(+4%)
16 Jul 2026	Kelly Jason MBoard	Plan purchase	418.08	$47.84	$20,000	15,506.4(+3%)
15 Jun 2026	Bawel Zachary WBoard	Plan purchase	21.95	$45.55	$1,000	24,688.63(+0%)
15 Jun 2026	Seger Andrew MBoard	Plan purchase	21.95	$45.55	$1,000	18,406.13(+0%)
15 Jun 2026	Ryan Christina MBoard	Plan purchase	21.95	$45.55	$1,000	17,519.71(+0%)
15 Jun 2026	Ellspermann Susan JBoard	Plan purchase	21.95	$45.55	$1,000	11,885.49(+0%)
15 May 2026	Seger Andrew MBoard	Purchase	23.9	$41.84	$1,000	18,368.49(+0%)

Show 12 more

Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.

What happened at German American Bancorp1 event in recent months

What happened at German American Bancorp

The key events of the last six months from our own data. A click takes you to the matching card.

26 OctEarningsEPS $1.03, expected $1.01

Sector comparisonRank 345 of 976 in Financial Services

Sector comparison

976 rated companies in Financial Services

Rank 345 of 976

345/ 976

This company: 72
Sector median: 68

Categories against the sector median

ProfitabilityMedian of 976 companies59 (median 57)2 above the median

GrowthMedian of 976 companies71 (median 67)4 above the median

FundamentalsMedian of 976 companies84 (median 80)4 above the median

ValuationMedian of 929 companies with a value74 (median 73)1 above the median

StabilityMedian of 976 companies89 (median 78)11 above the median

Capital allocationMedian of 976 companies45 (median 56)11 below the median

Technical analysisMedian of 976 companies80 (median 70)10 above the median

MomentumMedian of 976 companies77 (median 70)7 above the median

The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.

Competitors in Banks (Regional)

The next larger and next smaller companies by market value

All 422 Banks (Regional) stocks

ETFs that hold German American BancorpHeld by 10 ETFs on Xetra

ETFs that hold German American Bancorp

Held by 10 ETFs on Xetra. Shown per index: the ETF with the largest weight.

ETF	Weight	Cost	Fund size
State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR	0.07%	0.30%	€4.22B
L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ	0.07%	0.30%	€185.82M
Xtrackers Russell 2000 UCITS ETF 1CXRS2	0.06%	0.30%	€2.17B

Show 5 more

State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV	0.04%	0.30%	€944.34M
State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS	0.03%	0.45%	€1.53B
iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG	0.01%	0.43%	€2.48B
UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE	0.00%	0.25%	€175.89M
iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG	0.00%	0.35%	€434.1M

Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).

Data status and sourcesWhen it was calculated, from which sources

Data status and sources

Score: Daily value of 12 Nov 2026, recalculated nightly
Price: Closing price of 12 Nov 2026
Latest annual report: Fiscal year 2025, period end 31 Dec 2025
Source: Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.

Original filings at the SEC Report a data error

Mandatory disclosures for this rating

Computed on 12 Nov 2026, 03:46 Berlin time; time horizon around 12 months
Rated Strong, published since 7 Nov 2026 (in the score history since 1 Nov 2026)
Valuation signal Fairly valued since 7 Nov 2026
End-of-day prices, metrics cached for up to 24 hours
Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.

Full disclosures, methodology and data sources All ratings of the last 12 months How the score is calculated

German American Bancorp stock

Price and trend

Price history

Snapshot

In plain words

Strengths

Weaknesses

Score overview

Score history

Crash risk low

Valuation

Valuation signal

Valuation metrics

Company performance

Revenue

Earnings (net income)

Operating income

Earnings per share

Shares outstanding

Shareholders' equity

Book value per share

Dividend per share

Margins

Returns on capital

Price to book (P/B)

Debt & balance sheet

Earnings

Analyst estimates

Insiders

What happened at German American Bancorp

Sector comparison

Categories against the sector median

Competitors in Banks (Regional)

ETFs that hold German American Bancorp

Data status and sources

Mandatory disclosures for this rating