German American Bancorp Net Income
| GABC Stock | USD 44.37 0.05 0.11% |
As of the 10th of February, German American retains the Risk Adjusted Performance of 0.1161, downside deviation of 1.3, and Market Risk Adjusted Performance of 1.59. German American technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.
German American Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.1093 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 96.4 M | 101.2 M | |
| Net Income Applicable To Common Shares | 94.1 M | 98.8 M | |
| Net Income From Continuing Ops | 96.4 M | 69 M | |
| Net Income Per Share | 3.06 | 3.21 | |
| Net Income Per E B T | 0.80 | 0.61 |
German | Net Income | Build AI portfolio with German Stock |
Analyzing German American's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing German American's current valuation and future prospects.
Latest German American's Net Income Growth Pattern
Below is the plot of the Net Income of German American Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in German American Bancorp financial statement analysis. It represents the amount of money remaining after all of German American Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is German American's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in German American's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 83.81 M | 10 Years Trend |
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Net Income |
| Timeline |
German Net Income Regression Statistics
| Arithmetic Mean | 55,341,691 | |
| Geometric Mean | 41,994,628 | |
| Coefficient Of Variation | 61.55 | |
| Mean Deviation | 28,854,261 | |
| Median | 46,529,000 | |
| Standard Deviation | 34,063,220 | |
| Sample Variance | 1160.3T | |
| Range | 116M | |
| R-Value | 0.98 | |
| Mean Square Error | 60.5T | |
| R-Squared | 0.95 | |
| Slope | 6,578,647 | |
| Total Sum of Squares | 18564.8T |
German Net Income History
Other Fundumenentals of German American Bancorp
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
German American Net Income component correlations
German Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for German American is extremely important. It helps to project a fair market value of German Stock properly, considering its historical fundamentals such as Net Income. Since German American's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of German American's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of German American's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could German diversify its offerings? Factors like these will boost the valuation of German American. Market participants price German higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every German American data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.215 | Dividend Share 1.18 | Earnings Share 3.06 | Revenue Per Share | Quarterly Revenue Growth 0.458 |
German American Bancorp's market price often diverges from its book value, the accounting figure shown on German's balance sheet. Smart investors calculate German American's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since German American's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between German American's value and its price as these two are different measures arrived at by different means. Investors typically determine if German American is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, German American's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
German American 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to German American's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of German American.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in German American on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding German American Bancorp or generate 0.0% return on investment in German American over 90 days. German American is related to or competes with Lakeland Financial, TriCo Bancshares, 1st Source, Stellar Bancorp, Merchants Bancorp, ST Bancorp, and First Merchants. German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and comme... More
German American Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure German American's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess German American Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.3 | |||
| Information Ratio | 0.0768 | |||
| Maximum Drawdown | 7.83 | |||
| Value At Risk | (2.01) | |||
| Potential Upside | 3.31 |
German American Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for German American's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as German American's standard deviation. In reality, there are many statistical measures that can use German American historical prices to predict the future German American's volatility.| Risk Adjusted Performance | 0.1161 | |||
| Jensen Alpha | 0.1988 | |||
| Total Risk Alpha | 0.0353 | |||
| Sortino Ratio | 0.0939 | |||
| Treynor Ratio | 1.58 |
German American February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1161 | |||
| Market Risk Adjusted Performance | 1.59 | |||
| Mean Deviation | 1.19 | |||
| Semi Deviation | 1.08 | |||
| Downside Deviation | 1.3 | |||
| Coefficient Of Variation | 721.41 | |||
| Standard Deviation | 1.59 | |||
| Variance | 2.53 | |||
| Information Ratio | 0.0768 | |||
| Jensen Alpha | 0.1988 | |||
| Total Risk Alpha | 0.0353 | |||
| Sortino Ratio | 0.0939 | |||
| Treynor Ratio | 1.58 | |||
| Maximum Drawdown | 7.83 | |||
| Value At Risk | (2.01) | |||
| Potential Upside | 3.31 | |||
| Downside Variance | 1.69 | |||
| Semi Variance | 1.16 | |||
| Expected Short fall | (1.39) | |||
| Skewness | 0.4563 | |||
| Kurtosis | 0.3907 |
German American Bancorp Backtested Returns
German American appears to be very steady, given 3 months investment horizon. German American Bancorp holds Efficiency (Sharpe) Ratio of 0.13, which attests that the entity had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for German American Bancorp, which you can use to evaluate the volatility of the firm. Please utilize German American's Risk Adjusted Performance of 0.1161, market risk adjusted performance of 1.59, and Downside Deviation of 1.3 to validate if our risk estimates are consistent with your expectations. On a scale of 0 to 100, German American holds a performance score of 10. The company retains a Market Volatility (i.e., Beta) of 0.13, which attests to not very significant fluctuations relative to the market. As returns on the market increase, German American's returns are expected to increase less than the market. However, during the bear market, the loss of holding German American is expected to be smaller as well. Please check German American's sortino ratio, potential upside, skewness, as well as the relationship between the maximum drawdown and semi variance , to make a quick decision on whether German American's current trending patterns will revert.
Auto-correlation | 0.68 |
Good predictability
German American Bancorp has good predictability. Overlapping area represents the amount of predictability between German American time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of German American Bancorp price movement. The serial correlation of 0.68 indicates that around 68.0% of current German American price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.68 | |
| Spearman Rank Test | 0.68 | |
| Residual Average | 0.0 | |
| Price Variance | 2.93 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
German Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, German American Bancorp reported net income of 83.81 M. This is 93.44% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 85.32% higher than that of the company.
German Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses German American's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of German American could also be used in its relative valuation, which is a method of valuing German American by comparing valuation metrics of similar companies.German American is currently under evaluation in net income category among its peers.
German American Current Valuation Drivers
We derive many important indicators used in calculating different scores of German American from analyzing German American's financial statements. These drivers represent accounts that assess German American's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of German American's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 878.2M | 1.0B | 958.0M | 1.4B | 1.3B | 837.1M |
German American ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, German American's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to German American's managers, analysts, and investors.Environmental | Governance | Social |
German American Institutional Holders
Institutional Holdings refers to the ownership stake in German American that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of German American's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing German American's value.| Shares | Manufacturers Life Insurance Co | 2025-06-30 | 315.4 K | Aptus Capital Advisors, Llc | 2025-06-30 | 233 K | Alliancebernstein L.p. | 2025-06-30 | 221.4 K | Mutual Of America Capital Management Llc | 2025-06-30 | 202.7 K | Bank Of New York Mellon Corp | 2025-06-30 | 200.7 K | Acadian Asset Management Llc | 2025-06-30 | 174.1 K | Strategic Value Bank Partners Llc | 2025-06-30 | 163.9 K | The Colony Group Llc | 2025-06-30 | 163.5 K | Deprince Race & Zollo Inc | 2025-06-30 | 162.2 K | Blackrock Inc | 2025-06-30 | 2.7 M | Vanguard Group Inc | 2025-06-30 | 2.3 M |
German Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0153 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.47 % | ||||
| Current Valuation | 1.76 B | ||||
| Shares Outstanding | 37.5 M | ||||
| Shares Owned By Insiders | 4.25 % | ||||
| Shares Owned By Institutions | 52.16 % | ||||
| Number Of Shares Shorted | 1.19 M | ||||
| Price To Earning | 15.22 X | ||||
| Price To Book | 1.43 X | ||||
| Price To Sales | 4.84 X | ||||
| Revenue | 487.4 M | ||||
| Gross Profit | 341.33 M | ||||
| EBITDA | 140.07 M | ||||
| Net Income | 83.81 M | ||||
| Cash And Equivalents | 532.96 M | ||||
| Cash Per Share | 18.08 X | ||||
| Total Debt | 182.68 M | ||||
| Debt To Equity | 8.16 % | ||||
| Book Value Per Share | 31.00 X | ||||
| Cash Flow From Operations | 95.76 M | ||||
| Short Ratio | 9.15 X | ||||
| Earnings Per Share | 3.06 X | ||||
| Price To Earnings To Growth | 2.43 X | ||||
| Target Price | 47.0 | ||||
| Number Of Employees | 1.02 K | ||||
| Beta | 0.65 | ||||
| Market Capitalization | 1.65 B | ||||
| Total Asset | 8.39 B | ||||
| Retained Earnings | 582.95 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.06 % | ||||
| Net Asset | 8.39 B | ||||
| Last Dividend Paid | 1.18 |
About German American Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze German American Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of German American using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of German American Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether German American Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of German American's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of German American Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on German American Bancorp Stock:Check out You can also try the Share Portfolio module to track or share privately all of your investments from the convenience of any device.
Will Regional Banks sector continue expanding? Could German diversify its offerings? Factors like these will boost the valuation of German American. Market participants price German higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every German American data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.215 | Dividend Share 1.18 | Earnings Share 3.06 | Revenue Per Share | Quarterly Revenue Growth 0.458 |
German American Bancorp's market price often diverges from its book value, the accounting figure shown on German's balance sheet. Smart investors calculate German American's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since German American's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between German American's value and its price as these two are different measures arrived at by different means. Investors typically determine if German American is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, German American's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.