GABC

German American Bancorp, Inc.

Financial Services · $1.8B market cap

Verdict

Share price

$49.40

close of Oct 3, 2026

Fair value

$77.14

Sticker Price

Payback Price

$30.86

buy price

Undervalued

GABC is Undervalued: at $49.40 it trades 36% below its fair value of $77.14. Its buy price (Payback Price) is $30.86, 38% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth13.9% a year✓
Equity per share growth10.1% a year✓
Sales growth9.6% a year✗
Free cash flow growth12.9% a year✓
Return on invested capital8.8%✗

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Insider activity

Since Jun 15, 2026: 13 open-market purchases worth $162K and 11 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Other filings

About German American Bancorp, Inc.

German American Bancorp, Inc. functions as the parent entity for German American Bank, offering a comprehensive suite of retail and commercial banking services. The company's operations are divided into three core segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment's primary activities include accepting deposits from the public and originating diverse loan types…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works