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German American

NSQ:GABC · US3738651047
BanksSmall

360

91
Profit price66
Cash yield53
Price/Sales13
EV / Gross Profit32
Price/Book11
Returns on capital84
Profit margins—
Cash Conversion53
Accruals50
Owner Earnings Margin90
Sales growth64
Profit Growth70
Owner Earnings Growth85
Reinvestment27
Price momentum16
Debt load46
Debt serviceability17
Liquidity82
Analyst ratings70
Opinion Changes50
Price Target Upside78
Market mood51
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

German American generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Employees458
Websitegermanamerican.com
ISINUS3738651047
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
Financial Services

Description

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 banking offices located throughout Indiana (central/sout…

Analysis

Quality compounder

German American Bancorp, Inc. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.3×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
29
2023202420252026

All-time high

91

Jan 2025

All-time low

25

Jan 2023

Average rank

57

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
13
17
13
17
Price/Earnings
28
40
33
19
Price/Book
11
19
11
13
Dividend Yield
53
39
41
37
Value (overall)
16
5
19
15

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →