GABC
German American Bancorp, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Last price
49.90
▼ 0.04 (0.08%)
MARKET · —
Price
Open
49.97
Prev close
49.94
Day high
50.69
Day low
49.58
Volume
119.16K
Market cap
$1.88B
P/E (TTM)
13.13
52W range
37.19 – 52.23
Trailing performance
Returnvs SPY
1W
-2.88%
-1.5%
1M
+4.70%
+1.0%
3M
+15.03%
+11.9%
6M
+14.27%
+3.2%
YTD
+27.36%
+15.1%
1Y
+24.35%
+4.3%
3Y
+71.01%
-3.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$1.88B
Enterprise value$1.95B
Revenue (TTM)$379.75M
Gross profit$379.75M
EBITDA—
Net income$142.08M
EPS (TTM)$3.80
Free cash flow—
Total cash$97.95M
Total debt$177.47M
Book value / share$32.24
Shares outstanding37.58M
Float35.94M
Short % of float3.18%
Dividend yield2.44%
Beta (5Y)0.58
Valuation & profitability ratios
Trailing P/E13.13
Forward P/E12.13
PEG ratio1.46
Price / sales—
Price / book1.55
EV / revenue5.15
EV / EBITDA—
Gross margin0.00%
Operating margin52.18%
Profit margin37.41%
Return on equity12.46%
Return on assets1.70%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $366.88M | $258.75M | $257.18M | $259.72M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $112.64M | $83.81M | $85.89M | $81.83M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $112.64M | $83.81M | $85.89M | $81.83M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.92 | 1.02 | +10.5% |
| Mar 2026 | 0.88 | 0.88 | -0.4% |
| Dec 2025 | 0.91 | 0.96 | +6.1% |
| Sep 2025 | 0.87 | 0.92 | +5.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.01 | 6 | $102.63M | +7.5% |
| Next quarter | 1.02 | 6 | $103.87M | +6.5% |
| Current year | 3.92 | 6 | $405.30M | +10.5% |
| Next year | 4.12 | 6 | $423.08M | +4.4% |
Analyst targets & ownership
Mean target$56.20
High target$60.00
Low target$51.00
Implied upside12.63%
Analyst count5
ConsensusNONE
Strong buy / Buy1 / 2
Hold3
Sell / Strong sell0 / 0
Held by insiders3.24%
Held by institutions54.60%
Institutions holding265
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.22M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 16, 26 | STOKES RONNIE R Director |
BUY | 313 | $15.00K | Direct |
| Jul 16, 26 | SEGER ANDREW M. Director |
BUY | 418 | $20.00K | Direct |
| Jul 16, 26 | BAWEL ZACHARY W. Director |
BUY | 418 | $20.00K | Direct |
| Jun 29, 26 | FINE MARC D Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | ROOT M DARREN Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | MCCOMB GREGORY SCOTT Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | BAWEL ZACHARY W. Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | KELLY JASON M. Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | WAGLER TYSON J Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | RYAN CHRISTINA M Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | ELLSPERMANN SUSAN J Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | CURRY ANGELA Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | STOKES RONNIE R Director |
STOCK | 1.17K | $0 | Direct |
| Jun 29, 26 | SEGER ANDREW M. Director |
STOCK | 1.17K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BAWEL ZACHARY W. |
Director | 29.02K | Purchase |
BECKWITH MICHAEL F |
Officer | 39.44K | Stock Award(Grant) |
DAUBY D NEIL |
Chief Executive Officer | 76.51K | Stock Award(Grant) |
FINE MARC D |
Director | 45.92K | Stock Award(Grant) |
MCCOMB GREGORY SCOTT |
Director | 433.23K | Stock Award(Grant) |
ROOT M DARREN |
Director | 21.14K | Stock Award(Grant) |
RUST BRADLEY M |
President | 86.43K | Stock Award(Grant) |
SEGER ANDREW M. |
Director | 145.82K | Purchase |
SEGER THOMAS W |
Director | — | Purchase |
SHEIDLER JACK |
Director | 66.93K | Purchase |
Moving averages & technicals
SMA 10
50.46
-1.12% from price
SMA 20
50.62
-1.42% from price
SMA 50
48.44
+3.02% from price
SMA 100
45.91
+8.69% from price
SMA 200
43.33
+15.17% from price
EMA 12
50.34
-0.87% from price
EMA 26
49.82
+0.17% from price
EMA 50
48.55
+2.77% from price
RSI (14)
51.2
Neutral
MACD (12,26,9)
0.52
Hist -0.27
ATR (14)
0.98
1.97% of price
Realised vol 30D
21.5%
Annualised
Bollinger upper
51.97
20, 2σ
Bollinger lower
49.27
20, 2σ
50 / 200 cross
Golden
48.44 vs 43.33
Trend bias
Above 200
+15.17%
Risk profile
Beta vs SPY
0.36
Less volatile than market
Correlation to SPY
0.21
Largely independent
Realised vol 30D
21.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-11.9%
Peak to trough
Max drawdown 5Y
-41.2%
Peak to trough
ATR 14
0.98
1.97% of price
Beta (reported)
0.58
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
22.50
-54.9% from spot
ATM implied vol
26.3%
Nearest strike to spot
Skew (10% OTM)
+209.0%
Puts bid over calls
Call volume
8
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
50.00
47 contracts
Heaviest put OI
55.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.