Stocktoria
GERMAN AMERICAN BANCORP, INC. GABC
GERMAN AMERICAN BANCORP, INC. (GABC) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.42% (safety: safe). FY2025 revenue was $487.4M at a 23.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| GABC | GERMAN AMERICAN BANCORP, INC. | 6/9 | — | 15.9 | +37.8% |
| RBCAA | REPUBLIC BANCORP INC /KY/ | 5/9 | — | 11.9 | +8.5% |
| UVSP | UNIVEST FINANCIAL Corp | 6/9 | — | 12.8 | +9.6% |
| FMNB | FARMERS NATIONAL BANC CORP /OH/ | 6/9 | — | 16 | +3.9% |
| WTFC | WINTRUST FINANCIAL CORP | 4/9 | — | 12.9 | +5.9% |
| BUSE | FIRST BUSEY CORP /NV/ | 4/9 | — | 18.6 | +55.7% |
| WASH | WASHINGTON TRUST BANCORP INC | 5/9 | — | 12.8 | +127.6% |
All Finance, Insurance & Real Estate companies →
About GERMAN AMERICAN BANCORP, INC.
German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.
FAQ
Is GABC financially healthy?
GERMAN AMERICAN BANCORP, INC.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does GABC pay a dividend, and is it safe?
Yes. GERMAN AMERICAN BANCORP, INC. pays a dividend yielding about 2.42% with a 38.4% payout ratio, rated “safe” for safety.
How profitable is GABC?
In FY2025, GERMAN AMERICAN BANCORP, INC. had a net margin of 23.1% and a return on equity of 9.7%.
Is GABC overvalued or undervalued?
GERMAN AMERICAN BANCORP, INC. trades at about 16.6× trailing earnings — above its 10-year norm (10-year range 11.4×–20.4×, median 14.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for GABC?
The average Wall-Street price target for GERMAN AMERICAN BANCORP, INC. is $49.40, about 2.9% below the recent price, from 5 analysts.
Is GABC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on GERMAN AMERICAN BANCORP, INC.: a Piotroski F-score of 6/9, a P/E of about 15.9×, a dividend yield of 2.42%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.