German American Bancorp, Inc. (GABC)
ValueMarkers Composite Index
47% below intrinsic value ($80)
German American Bancorp, Inc. (GABC) — VMCI valuation read
The headline on German American Bancorp, Inc. (GABC) is a 57/100 VMCI score, set against a Financial Services sector median of 50. That 7-point above-median read reflects the five-pillar weighting and, for a mid-cap name, suggests a relative-value tailwind is in the data.
GABC insider activity report: 0 buys, 0 sells filed via Form 4 over the past 30 days. The next datable items are the 10-Q schedule and any 8-K-triggering events; both feed the VMCI Integrity pillar more than the price tape.
**Investor frame.** GABC trades at 17.0x earnings, 6% below the Financial Services median of 18.0x sets the value side. ROIC of 19.0% sits 9.0pp above the Financial Services median (10.0%) sets the quality side. Net debt to EBITDA of 0.9x leaves covenant headroom sets the risk side, the three lines a value buyer reads first on GABC.
GABC fell 0.3% over the trailing 7 days, with a +5.0% read on a 30-day basis.
German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
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