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GABC.O — NASDAQ Banks

Gabc.O

$51,10
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Last 30 days
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Mcap
—
P/E
—
EV / Rev
—
Div yield
2,26 %
Op margin
—
ROE
9,7 %
Net margin
23,1 %
Debt / equity
0,09
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$51,02
Open
—
Next earnings
2026-10-28
Ex-dividend
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TR 1Y
—
About

German American Bancorp operates as a commercial bank holding company, generating revenue through interest income and fee-based services via its banking and investment subsidiaries.

Business. German American Bancorp operates as a commercial bank holding company, generating revenue through interest income and fee-based services via its banking and investment subsidiaries.

Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
Franklin Advisers, Inc.
largest disclosed fund holder
Profitability→
9,7 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning GABC.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to GABC.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    German American Bancorp operates as a commercial bank holding company, generating revenue through interest income and fee-based services via its banking and investment subsidiaries.

    Classification85 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    German American Bancorp maintains a conservative capital structure with total equity of $1.16 billion against total liabilities of $7.23 billion. The debt-to-equity ratio stands at 0.09, indicating minimal reliance on long-term debt, which is recorded at $100 million. Operating cash flow of $159.3 million supports the balance sheet, while capital expenditures remain low at $5.3 million. Despite the low leverage, the risk assessment flags medium liquidity risk and notes that net cash is negative after subtracting total debt, suggesting tight cash management relative to obligations.

    Profitability metrics show a return on equity (ROE) of 9.69% and a return on assets (ROA) of 1.34%. The company generated net income of $112.6 million on revenue of $487.4 million. Without specific cohort median data provided in the input, these returns are evaluated in isolation, though the ROE suggests moderate efficiency in generating profits from shareholder equity. The net income margin is approximately 23.1%, reflecting the typical spread-driven profitability of a commercial bank.

    Key takeaways
    • Low leverage with a debt-to-equity ratio of 0.09 and $100 million in long-term debt.
    • Moderate profitability with 9.69% ROE and 1.34% ROA on $487.4 million in revenue.
    • Medium liquidity risk flagged due to negative net cash after debt subtraction.
    • No dilution pressure as basic and diluted shares outstanding are equal.
    • Operational structure includes multiple banking and investment subsidiaries.
    • Lack of historical data prevents assessment of growth trends.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $51,10
    Market cap
    —
    Enterprise valueⓘ
    —
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $1.16B
    Net cashⓘ
    -$100.0M
    Current ratioⓘ
    —
    Debt / equityⓘ
    0.1
    ROAⓘ
    1.3%
    ROEⓘ
    9.7%
    Cash conversionⓘ
    141.0%
    CapEx / revenueⓘ
    1.1%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    Business relationships23 disclosed relationships · 1 type · extracted from filings & disclosures
    Subsidiaries23
    EX21:0454096d0b5fEX21:0454096d0b5fSubsidiarie97%
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    EX21:14609225b6b3EX21:14609225b6b3Subsidiarie97%
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    EX21:2a6e018f89f0EX21:2a6e018f89f0Subsidiarie97%
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    EX21:5329884d0f75EX21:5329884d0f75Subsidiarie97%
    EX21:7366d7bec23cEX21:7366d7bec23cSubsidiarie97%
    EX21:7c08b184c097EX21:7c08b184c097Subsidiarie97%
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    EX21:a60019d20647EX21:a60019d20647Subsidiarie97%
    EX21:b6212dff0cc3EX21:b6212dff0cc3Subsidiarie97%
    EX21:bd1c9d920344EX21:bd1c9d920344Subsidiarie97%
    EX21:bd382f06e79bEX21:bd382f06e79bSubsidiarie97%
    EX21:be0f3044f735EX21:be0f3044f735Subsidiarie97%
    EX21:c1a70ff3b912EX21:c1a70ff3b912Subsidiarie97%
    EX21:ceccf4fe6508EX21:ceccf4fe6508Subsidiarie97%
    EX21:f0c065f67f30EX21:f0c065f67f30Subsidiarie97%

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution6 analysts
    Strong buy1
    Buy2
    Hold3
    Sell0
    Strong sell0
    12-month price target$50,20 · Median $51,00
    Low $47,00High $53,00
    Operating income · consensus190,1M USD
    EPS surprise
    −6,0 %
    reported vs consensus · miss
    Revenue surprise
    −9,8 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$47,00
    Mean$50,20
    Median$51,00
    High$53,00
    Spot$51,10
    −1.8 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin23,1 %Below median
    ROE9,7 %Above median
    Capex / Rev1,1 %Above P75
    D/E0,09Above median
    Cash Conv1,41Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Capex To Revenue
      capital_expenditure / revenue
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Equity
      net_income / total_equity
    Source documents
    • German American Bancorp, Inc. Market data — financials · 2026-07-29
    • reconciler_enqueue (reconciler) on GABC.O · 2026-07-29
    • GABC.O HA canonical relationships · 2026-07-29

    Ownership & reference

    Top holders

    • Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,02 %$79M
    • Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,01 %$51M
    • Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$48M
    • Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,01 %$19M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$19M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$39M
    • American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$4M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$83M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$14M
    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$5M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$9M
    • First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$2M
    • State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$38M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$89M
    • Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$3M
    • AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$1M
    • Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,00 %$1M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$1M
    • Fisher InvestmentsInvestment Managers · as of 2026-03-310,00 %$2M
    • Victory Capital Management Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$7M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$2M
    • JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$1M
    • T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • Invesco QQQ TrustFunds · as of 2026-03-310,00 %$2M
    • AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$1M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M
    • JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

    Leadership

    • D. Neil DaubyChairman of the Board, Chief Executive Officer

    Insider activity

    Net buying18 buys · 0 sellsnet $111K19 insiders · last 365d
    • Seger Andrew MDirector · CommonBought 418 @ $47,84$20K · 2026-07-16
    • Ryan Christina MDirector · Common StockBought 418 @ $47,84$20K · 2026-07-16
    • KELLY JASON MDirector · Common StockBought 418 @ $47,84$20K · 2026-07-16
    • Stokes Ronnie RDirector · CommonBought 314 @ $47,84$15K · 2026-07-16
    • Bawel Zachary WDirector · Common StockBought 418 @ $47,84$20K · 2026-07-16
    • Seger Andrew MDirector · CommonOther 1 168 · 2026-06-29
    • Ryan Christina MDirector · Common StockOther 1 168 · 2026-06-29
    • Root M. DarrenDirector · Common StockOther 1 168 · 2026-06-29
    • McComb Gregory ScottDirector · CommonOther 1 168 · 2026-06-29
    • Bawel Zachary WDirector · Common StockOther 1 168 · 2026-06-29
    • KELLY JASON MDirector · Common StockOther 1 168 · 2026-06-29
    • Fine Marc DDirector · Common StockOther 1 168 · 2026-06-29
    • Ellspermann Susan JDirector · Common StockOther 1 168 · 2026-06-29
    • Wagler Tyson JDirector · Common StockOther 1 168 · 2026-06-29
    • Stokes Ronnie RDirector · CommonOther 1 168 · 2026-06-29
    • Curry AngelaDirector · Common StockOther 1 168 · 2026-06-29
    • Bawel Zachary WDirector · Common StockBought 22 @ $45,55$1K · 2026-06-15
    • Seger Andrew MDirector · CommonBought 22 @ $45,55$1K · 2026-06-15
    • Ryan Christina MDirector · Common StockBought 22 @ $45,55$1K · 2026-06-15
    • Ellspermann Susan JDirector · Common StockBought 22 @ $45,55$1K · 2026-06-15
    • Seger Andrew MDirector · CommonBought 24 @ $41,84$1K · 2026-05-15
    • Bawel Zachary WDirector · Common StockBought 23 @ $43,58$1K · 2026-04-15
    • SHEIDLER JACKDirector · Common StockBought 25 @ $43,58$1K · 2026-04-15
    • Ellspermann Susan JDirector · Common StockBought 49 @ $40,48$2K · 2026-03-17
    • Seger Andrew MDirector · CommonBought 52 @ $40,48$2K · 2026-03-17

    Short positioning

    1.2Mshares short+2.4% vs prior
    7.79days to cover
    54.8%short of daily vol
    7.6Kfails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    GABC.OCanonical
    NASDAQ · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    GABCJPMBACCEX21:045EX21:09bEX21:0b4EX21:138EX21:146EX21:214EX21:2a6Banks
    This companyPeerSectorSubsidiaries

    Evidence & claims

    From filings & derived data
    • Operating cash flow (annual): USD 159.32MUnknown
    • Net income (annual): USD 112.64MUnknown
    • Pre-tax income (annual): USD 140.07MUnknown
    • Shareholders' equity (annual): USD 1.16BUnknown
    • Total assets (annual): USD 8.39BUnknown
    • Capex (annual): USD 5.32MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 3Unknown
    • Revenue (annual): USD 487.4MUnknown
    • EPS (basic) (annual): USD-PER-SHARES 3Unknown
    • Total liabilities (annual): USD 7.23BUnknown
    • Long-term debt (annual): USD 100MUnknown
    • Shares outstanding (annual): 37.5MUnknown
    • Revenue (annual): USD 353.7MUnknown
    • Shareholders' equity (annual): USD 715.07MUnknown
    • Operating cash flow (annual): USD 95.76MUnknown
    • Pre-tax income (annual): USD 104.1MUnknown
    • Shares outstanding (annual): 29.68MUnknown
    • Long-term debt (annual): USD 114.63MUnknown
    • Total liabilities (annual): USD 5.58BUnknown
    • Net income (annual): USD 83.81MUnknown
    • Capex (annual): USD 5.05MUnknown
    • Total assets (annual): USD 6.3BUnknown
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-07-27 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
    2026-07-27EVENTQ2 2026 earnings (expected) estimated date
    2026-07-16INSIDERSeger Andrew M bought 418 sh Common — Director ~$20k
    2026-07-16INSIDERKELLY JASON M bought 418 sh — Director ~$20k
    2026-07-16INSIDERStokes Ronnie R bought 314 sh Common — Director ~$15k
    2026-07-16INSIDERBawel Zachary W bought 418 sh — Director ~$20k
    2026-07-16INSIDERRyan Christina M bought 418 sh — Director ~$20k
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: insider_flow_signal (90d)
    2026-06-29INSIDERWagler Tyson J transacted 1.2k sh — Director
    2026-06-29INSIDERKELLY JASON M transacted 1.2k sh — Director
    2026-06-29INSIDEREllspermann Susan J transacted 1.2k sh — Director
    2026-06-29INSIDERMcComb Gregory Scott transacted 1.2k sh Common — Director
    2026-06-29INSIDERCurry Angela transacted 1.2k sh — Director
    2026-06-29INSIDERSeger Andrew M transacted 1.2k sh Common — Director
    2026-06-29INSIDERBawel Zachary W transacted 1.2k sh — Director
    2026-06-29INSIDERStokes Ronnie R transacted 1.2k sh Common — Director
    2026-06-29INSIDERFine Marc D transacted 1.2k sh — Director
    2026-06-29INSIDERRyan Christina M transacted 1.2k sh — Director
    2026-06-29INSIDERRoot M. Darren transacted 1.2k sh — Director
    2026-06-15 00:00 UTCINSIDER4 insider transactions — 2026-06
    2026-06-15 00:00 UTCINSIDER4 insider transactions — 2026-06
    2026-06-15INSIDERRyan Christina M bought 22 sh — Director ~$1k
    2026-06-15INSIDERBawel Zachary W bought 22 sh — Director ~$1k
    2026-06-15INSIDERSeger Andrew M bought 22 sh Common — Director ~$1k
    2026-06-15INSIDEREllspermann Susan J bought 22 sh — Director ~$1k
    2026-05-15 00:00 UTCINSIDER1 insider transaction — 2026-05
    2026-05-15 00:00 UTCINSIDER1 insider transaction — 2026-05
    2026-05-15INSIDERSeger Andrew M bought 24 sh Common — Director ~$1k
    2026-05-06FILING10-Q filing →
    2026-05-06FILING8-K filing →
    2026-04-29FILING8-K filing →
    2026-04-27FILING8-K filing →
    2026-04-15 00:00 UTCINSIDER2 insider transactions — 2026-04
    2026-04-15 00:00 UTCINSIDER2 insider transactions — 2026-04
    2026-04-15INSIDERBawel Zachary W bought 23 sh — Director ~$1k
    2026-04-15INSIDERSHEIDLER JACK bought 25 sh — Director ~$1k
    2026-03-18FILINGDEF 14A filing →
    2026-03-17 00:00 UTCINSIDER22 insider transactions — 2026-03 · net sell $360k
    2026-03-17 00:00 UTCINSIDER22 insider transactions — 2026-03 · net sell $360k
    Showing the 40 most recent of 49 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage