German American Bancorp, Inc. (GABC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$50.01+0.44%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · GABC
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $50 the market pays 1.6× p/b — above the 1.2× p/b peer median but in line with its own 2× history. That premium reflects a durable franchise our peer-anchored $49 fair value understates; treat the 'expensive vs peers' read with medium confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $146.89 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $193.04 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $21.33 | — | — | TTM | high |
| graham number | 12M | $52.31 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $40.00 |
| 1.2 |
| 32.25 |
| TTM |
| high |
| Peer P/FCF | 12M | $56.66 | 11.7 | 4.86 | TTM | high |
| Peer P/E | 12M | $44.15 | 10.9 | 4.05 | ntm analyst | high |
| Peer P/S | 12M | $42.32 | 3.2 | 13.39 | TTM | high |
| PEG | 12M | $48.91 | 13.0 | 3.77 | TTM | high |
| residual income | 12M | $36.57 | — | — | TTM | high |
| Own P/E history | 12M | $49.58 | 13.2 | 3.77 | TTM | high |
| triangulated | 12M | $46.27 | 11.9 | 3.87 | Triangulated | high |
| Peer P/B | 3Y | $60.84 | 1.2 | 49.05 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $86.17 | 11.7 | 7.38 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $35.65 | 10.9 | 3.27 | Analyst | medium |
| Peer P/S | 3Y | $28.58 | 3.2 | 9.04 | Analyst | medium |
| PEG | 3Y | $42.47 | 13.0 | 3.27 | Analyst | medium |
| Own P/E history | 3Y | $43.05 | 13.2 | 3.27 | Analyst | medium |
| Peer P/B | 5Y | $80.46 | 1.2 | 64.87 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $113.96 | 11.7 | 9.77 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $27.45 | 10.9 | 2.52 | Analyst | high |
| Peer P/S | 5Y | $22.00 | 3.2 | 6.96 | Analyst | high |
| PEG | 5Y | $32.69 | 13.0 | 2.52 | Analyst | high |
| Own P/E history | 5Y | $33.14 | 13.2 | 2.52 | Analyst | high |