GERMAN AMERICAN BANCORP, INC. (GABC)
State Commercial Banks · Financial Services · $1.7B
Intrinsic Value (Consensus)
$54.51
Current Price
$45.38
Margin of Safety
+20.1%
20.1% Below Intrinsic Value
Value: $55
Price: $45
Valuation Model Estimates
Current Price: $45.38
DCF (Discounted Cash Flow)
$80.96
Graham Number
$46.16
Earnings Power Value
$29.71
Relative Value (P/E)
$61.20
Dividend Discount Model
$14.27
Consensus Value
$54.51
Model Assumptions
Discount Rate
10.3%
Growth Rate
8.1%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
77
Profitability
15/25
Strength
24/25
Valuation
19/25
Growth
19/25
Financial Health Signals
Low debt — conservative balance sheet
High free cash flow yield (9.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.06
- EPS (Forward)
- $3.31
- Book Value
- $30.94
- P/E Ratio
- 20.0
- Forward P/E
- 18.5
- PEG Ratio
- —
- ROE
- 9.7%
- Debt/Equity
- 9%
- Revenue Growth
- 37.8%
- Earnings Growth
- 8.1%
- Dividend Yield
- 0.5%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance