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German American Bancorp, Inc. (GABC)
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN

US3738651047

CUSIP

373865104

Sector

Financial Services

IPO Date

May 21, 1993

Highlights

Market Cap

$1.49B

EPS (TTM)

$2.83

PE Ratio

14.12

PEG Ratio

2.43

Total Revenue (TTM)

$313.52M

Gross Profit (TTM)

$222.44M

EBITDA (TTM)

$55.05M

Year Range

$29.79 - $46.74

Target Price

$48.17

Short %

6.08%

Short Ratio

15.44

Share Price Chart


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Compare to other instruments

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Popular comparisons:
GABC vs. THFF
Popular comparisons:
GABC vs. THFF

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in German American Bancorp, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


-5.00%0.00%5.00%10.00%15.00%SeptemberOctoberNovemberDecember2025February
0.28%
8.57%
GABC (German American Bancorp, Inc.)
Benchmark (^GSPC)

Returns By Period

German American Bancorp, Inc. had a return of -0.28% year-to-date (YTD) and 24.81% in the last 12 months. Over the past 10 years, German American Bancorp, Inc. had an annualized return of 9.95%, while the S&P 500 had an annualized return of 11.26%, indicating that German American Bancorp, Inc. did not perform as well as the benchmark.


GABC

YTD

-0.28%

1M

0.88%

6M

4.32%

1Y

24.81%

5Y*

5.90%

10Y*

9.95%

^GSPC (Benchmark)

YTD

4.01%

1M

1.13%

6M

9.82%

1Y

22.80%

5Y*

12.93%

10Y*

11.26%

*Annualized

Monthly Returns

The table below presents the monthly returns of GABC, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20252.76%-0.28%
20242.22%-4.22%10.11%-8.40%0.59%11.69%11.29%2.69%-3.39%4.49%11.77%-10.58%27.90%
20233.27%2.67%-15.09%-12.89%-4.18%-1.52%8.39%-1.00%-6.36%0.89%6.40%12.46%-10.24%
20221.59%1.02%-4.50%-7.61%9.07%-10.12%10.71%-0.13%-4.93%10.03%2.05%-6.42%-1.96%
20212.24%17.15%17.31%-6.25%-3.06%-11.00%1.34%-0.36%3.40%2.05%-0.24%-0.38%20.32%
2020-4.01%-12.22%-8.04%8.31%4.93%0.39%-8.55%0.35%-4.27%11.16%6.54%3.60%-4.72%
20195.33%6.48%-5.07%1.53%-6.10%8.07%4.75%-2.69%4.98%3.12%2.48%5.70%31.11%
2018-1.81%-4.08%0.66%1.20%7.32%-0.61%2.20%3.01%-6.15%-10.12%-0.06%-11.95%-20.02%
2017-8.78%-0.73%-0.23%4.18%-5.19%9.79%5.10%-8.83%16.87%-5.39%4.92%-6.06%2.31%
2016-3.94%0.35%0.85%0.09%0.44%-0.68%6.35%8.98%5.62%0.00%22.40%10.90%61.25%
2015-8.26%3.14%2.51%-2.79%2.05%1.48%-1.15%0.13%1.00%7.04%10.64%-3.36%11.71%
2014-5.15%7.95%-0.10%-9.86%4.16%0.48%-4.54%5.44%-4.72%15.73%-4.88%8.00%10.00%

Risk-Adjusted Performance

Risk-Adjusted Performance Rank

The current rank of GABC is 72, indicating average performance compared to other stocks on our website. Here’s a breakdown of how it compares using common performance measures.


The Risk-Adjusted Performance Rank of GABC is 7272
Overall Rank
The Sharpe Ratio Rank of GABC is 7474
Sharpe Ratio Rank
The Sortino Ratio Rank of GABC is 7070
Sortino Ratio Rank
The Omega Ratio Rank of GABC is 6868
Omega Ratio Rank
The Calmar Ratio Rank of GABC is 7373
Calmar Ratio Rank
The Martin Ratio Rank of GABC is 7474
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

Risk-Adjusted Performance Indicators

The charts below present risk-adjusted performance metrics for German American Bancorp, Inc. (GABC) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.


Sharpe ratio
The chart of Sharpe ratio for GABC, currently valued at 0.85, compared to the broader market-2.000.002.000.851.74
The chart of Sortino ratio for GABC, currently valued at 1.50, compared to the broader market-4.00-2.000.002.004.006.001.502.36
The chart of Omega ratio for GABC, currently valued at 1.18, compared to the broader market0.501.001.502.001.181.32
The chart of Calmar ratio for GABC, currently valued at 0.73, compared to the broader market0.002.004.006.000.732.62
The chart of Martin ratio for GABC, currently valued at 3.32, compared to the broader market-10.000.0010.0020.0030.003.3210.69
GABC
^GSPC

The current German American Bancorp, Inc. Sharpe ratio is 0.85. This value is calculated based on the past 1 year of trading data and takes into account price changes and dividends.

Use the chart below to compare the Sharpe ratio of German American Bancorp, Inc. with the selected benchmark, providing insights into the investment's historical performance in terms of risk-adjusted returns. Go to the Sharpe ratio tool for more fine-grained control over the calculation options.


Rolling 12-month Sharpe Ratio1.001.502.002.503.003.50SeptemberOctoberNovemberDecember2025February
0.85
1.74
GABC (German American Bancorp, Inc.)
Benchmark (^GSPC)

Dividends

Dividend History

German American Bancorp, Inc. provided a 2.76% dividend yield over the last twelve months, with an annual payout of $1.10 per share. The company has been increasing its dividends for 22 consecutive years.


1.50%2.00%2.50%3.00%$0.00$0.20$0.40$0.60$0.80$1.0020142015201620172018201920202021202220232024
Dividends
Dividend Yield
PeriodTTM20242023202220212020201920182017201620152014
Dividend$1.10$1.08$1.00$0.92$0.84$0.76$0.68$0.60$0.52$0.48$0.45$0.43

Dividend yield

2.76%2.69%3.09%2.47%2.15%2.30%1.91%2.16%1.46%1.37%2.04%2.10%

Monthly Dividends

The table displays the monthly dividend distributions for German American Bancorp, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.00$0.29$0.29
2024$0.00$0.27$0.00$0.00$0.27$0.00$0.00$0.27$0.00$0.00$0.27$0.00$1.08
2023$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$0.00$0.25$0.00$1.00
2022$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.00$0.23$0.00$0.92
2021$0.00$0.21$0.00$0.00$0.21$0.00$0.00$0.21$0.00$0.00$0.21$0.00$0.84
2020$0.00$0.19$0.00$0.00$0.19$0.00$0.00$0.19$0.00$0.00$0.19$0.00$0.76
2019$0.00$0.17$0.00$0.00$0.17$0.00$0.00$0.17$0.00$0.00$0.17$0.00$0.68
2018$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.00$0.15$0.00$0.60
2017$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.00$0.13$0.00$0.52
2016$0.12$0.00$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.00$0.12$0.00$0.48
2015$0.00$0.11$0.00$0.00$0.11$0.00$0.00$0.11$0.00$0.00$0.11$0.00$0.45
2014$0.11$0.00$0.00$0.11$0.00$0.00$0.11$0.00$0.00$0.11$0.00$0.43

Dividend Yield & Payout


Dividend Yield
100.0%200.0%300.0%400.0%500.0%600.0%700.0%2.8%
German American Bancorp, Inc. has a dividend yield of 2.76%, which is quite average when compared to the overall market.
Payout Ratio
200.0%400.0%600.0%800.0%1,000.0%39.2%
German American Bancorp, Inc. has a payout ratio of 39.15%, which is quite average when compared to the overall market. This suggests that German American Bancorp, Inc. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


-20.00%-15.00%-10.00%-5.00%0.00%SeptemberOctoberNovemberDecember2025February
-13.35%
-0.43%
GABC (German American Bancorp, Inc.)
Benchmark (^GSPC)

Worst Drawdowns

The table below displays the maximum drawdowns of the German American Bancorp, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the German American Bancorp, Inc. was 57.27%, occurring on Sep 25, 2000. Recovery took 2187 trading sessions.

The current German American Bancorp, Inc. drawdown is 13.35%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-57.27%Dec 1, 1997618Sep 25, 20002187Jul 28, 20092805
-45.47%Mar 17, 2021657Oct 24, 2023261Nov 6, 2024918
-34.36%Oct 30, 2017595Mar 12, 2020234Feb 16, 2021829
-20.14%Aug 3, 200961Oct 27, 2009225Sep 20, 2010286
-19.88%Dec 23, 2010166Aug 19, 201174Dec 5, 2011240

Volatility

Volatility Chart

The current German American Bancorp, Inc. volatility is 6.93%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.


2.00%4.00%6.00%8.00%10.00%12.00%14.00%SeptemberOctoberNovemberDecember2025February
6.93%
3.01%
GABC (German American Bancorp, Inc.)
Benchmark (^GSPC)

Financials

Financial Performance

The chart below illustrates the trends in the financial health of German American Bancorp, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

Annual
Quarterly

0.0

Valuation

The Valuation section provides an assessment of the market value of German American Bancorp, Inc. compared to its peers in the Banks - Regional industry.


PE Ratio
20.040.060.080.0100.0120.014.1
The chart displays the price to earnings (P/E) ratio for GABC in comparison to other companies of the Banks - Regional industry. Currently, GABC has a PE value of 14.1. This PE ratio falls in the average range for the industry.
PEG Ratio
-5.00.05.010.015.02.4
The chart displays the price to earnings to growth (PEG) ratio for GABC in comparison to other companies of the Banks - Regional industry. Currently, GABC has a PEG value of 2.4. This PEG ratio is much higher than those of other companies of the industry. This might be an indicator of the company being overvalued.

Historical P/E Ratio Chart

The chart below displays the historical trend of the price-to-earnings (P/E) ratio for German American Bancorp, Inc..


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Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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The information contained herein does not constitute investment advice and made available for educational purposes only. Prices and returns on equities are listed without consideration of fees, commissions, taxes, penalties, or interest payable due to purchasing, holding, or selling.

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