German American Bancorp Inc (GABC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
German American Bancorp Inc stock (GABC) is currently trading at $41.32. German American Bancorp Inc PE ratio is 13.25. German American Bancorp Inc PS ratio (Price-to-Sales) is 4.45. Analyst consensus price target for GABC is $47.33. WallStSmart rates GABC as Buy.
- GABC PE ratio analysis and historical PE chart
- GABC PS ratio (Price-to-Sales) history and trend
- GABC intrinsic value — DCF, Graham Number, EPV models
- GABC stock price prediction 2025 2026 2027 2028 2029 2030
- GABC fair value vs current price
- GABC insider transactions and insider buying
- Is GABC undervalued or overvalued?
- German American Bancorp Inc financial analysis — revenue, earnings, cash flow
- GABC Piotroski F-Score and Altman Z-Score
- GABC analyst price target and Smart Rating
German American Bancorp Inc
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GABC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · German American Bancorp Inc (GABC)
GABC trades at a significant discount to its Graham intrinsic value of $127.05, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
German American Bancorp Inc (GABC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
German American Bancorp Inc (GABC) Key Strengths (7)
Keeps $47 of every $100 in revenue after operating costs
Revenue surging 45.30% year-over-year
Keeps $33 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.31x book value, attractively priced
Strong earnings growth at 21.70% per year
52.83% held by institutions, strong professional interest
Supporting Valuation Data
German American Bancorp Inc (GABC) Areas to Watch (3)
Premium valuation at 4.4x annual revenue
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
German American Bancorp Inc (GABC) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 8.9/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, Profit Margin. Valuation metrics including PEG Ratio (1.46), Price/Book (1.31) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 47.40%, Profit Margin at 32.90%. Growth metrics are encouraging with Revenue Growth at 45.30%, EPS Growth at 21.70%.
The Bear Case
The primary concerns are Price/Sales, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (4.45) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 12.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 45.30% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
GABC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
GABC's Price-to-Sales ratio of 4.45x trades 47% below its historical average of 8.46x (2th percentile). The current valuation is 75% below its historical high of 18.09x set in Dec 2016, and 2% above its historical low of 4.36x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for German American Bancorp Inc (GABC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
German American Bancorp Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 342M with 45% growth year-over-year. Profit margins are strong at 32.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 45% YoY, reaching 342M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1200.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can German American Bancorp Inc maintain 45%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 296.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact German American Bancorp Inc.
Bottom Line
German American Bancorp Inc offers an attractive blend of growth (45% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About German American Bancorp Inc(GABC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
German American Bancorp, Inc. is the banking holding company of German American Bank providing retail and commercial banking services. The company is headquartered in Jasper, Indiana.