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Southern Indiana community bank offering commercial, retail, insurance and wealth-management banking services.
Southern Indiana community bank offering commercial, retail, insurance and wealth-management banking services.
Earns mostly from the spread between interest on loans and what it pays on deposits, with fees from insurance agency commissions, trust and wealth management, and service charges as a smaller second stream. Its business is concentrated in Indiana, where it is headquartered in Jasper.
Moat: narrow (scale, distribution). Long-standing local branch franchise with diversified insurance and wealth cross-sell.
Headquarters: Jasper, Indiana, US · Founded: 1910 · Employees: 984
Size German American Bancorp (GABC) is a United States Financials company (Regional Banks) with a market value of $1.88B, the 1838th largest of 3,117 United States companies the cockpit tracks. Shares closed at $50.08 on 6 Nov 2026.
Performance Over six months the shares gained 14.9%, against +4.8% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 12.2% over the last twelve months (peer median +2.1%); the operating margin is 46.2% (peer median 38.8%).
Valuation It trades at 1.63× book value against a peer median of 0.93× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 11.0%; German American Bancorp delivers 12.8%, so the price asks less than the business earns today.
Short interest Short interest is 3.6% of the free float (15 Oct 2026).
Next results Next results expected around 1 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $506M | $487M | $353M | $317M | $278M |
| Revenue growth | — | +38% | +12% | +14% | — |
| Net income | $146M | $113M | $83.8M | $85.9M | $81.8M |
| Free cash flow | n/a | $154M | $90.6M | $95.7M | $93.6M |
| Capital expenditure | n/a | $5.32M | $5.05M | $5.75M | $7.85M |
| Total debt | $268M | $188M | $215M | $199M | $210M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| German American Bancorp GABC | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% |
| Old National Bancorp ONB | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% |
| First Financial Bancorp FFBC | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% |
| First Mid Bancshares FMBH | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | GABC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.6% | +2.6% | 11th highest of 21 |
| 6-month return | +14.9% | +4.8% | 5th highest of 21 |
| Return on equity | 12.8% | 9.4% | 3rd highest of 21 |
| Price / book | 1.63× | 0.93× | 2nd most expensive of 21 |
| Trailing P/E | 12.9× | 11.7× | 5th most expensive of 21 |
| ROE the price implies | 11.0% | 7.3% | 4th most demanding of 21 |
| ROE delivered | 12.8% | 9.4% | 3rd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| German American Bancorp GABC | United States | $1.88B | +15% | +12% | 13% | 1.63× | 11.0% | 12.8% |
| Dime Commercial Bancshares DCOM | United States | $1.85B | +13% | +14% | 9% | 1.39× | 12.4% | 9.4% |
| Wuxi Rural Commercial Bank 600908.SS | China | $1.94B | +3% | -5% | 10% | 0.54× | 2.8% | 10.1% |
| Kiyo Bank 8370.T | Japan | $1.83B | +39% | +20% | 9% | 1.13× | 8.6% | 9.4% |
| Bank of Lanzhou 001227.SZ | China | $1.82B | -4% | 0% | 6% | 0.38× | 2.5% | 5.5% |
| San-in Godo Bank 8381.T | Japan | $1.95B | +5% | +27% | 8% | 0.91× | 5.9% | 8.1% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| Bancorp TBBK | United States | $1.97B | -15% | -7% | 33% | 2.96× | 26.3% | 33.0% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| Bank of Zhengzhou 002936.SZ | China | $2.01B | -3% | +1% | 3% | 0.34× | 2.6% | n/a |
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| First Commonwealth Financial FCF | United States | $2.03B | +13% | +4% | 11% | 1.37× | 10.4% | 11.4% |
| Hilltop HTH | United States | $2.07B | -4% | -2% | 7% | 0.98× | 9.1% | 6.6% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| 1st Source SRCE | United States | $2.09B | +18% | +4% | 14% | 1.59× | 10.5% | 13.9% |
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |