SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
German American Bancorp, Inc. (GABC) trades at a trailing P/E of 14.7, forward P/E of 11.7. Trailing earnings yield is 6.82%, forward earnings yield 8.55%. PEG 1.81. Graham Number is $45.78.
Criteria proven by this page:
- VALUE (50/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 11.7 (down from trailing 14.7) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 1.81 — between 1.0–2.0 indicates moderate valuation relative to growth.
- Trailing Earnings Yield 6.82% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 8.55% as earnings recover.
- Analyst consensus target $47.00 (+6.9% upside) — modest upside expected.
Overall SharesGrow Score: 65/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
~
VALUE
50/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — GABC
Valuation Multiples
P/E (TTM)14.7
Forward P/E11.7
PEG Ratio1.81
Forward PEG0.51
P/B Ratio1.42
P/S Ratio3.39
EV/EBITDA10.6
Per Share Data
EPS (TTM)$3.00
Forward EPS (Est.)$3.76
Book Value / Share$31.00
Revenue / Share$13.00
FCF / Share$4.11
Yields & Fair Value
Earnings Yield6.82%
Forward Earnings Yield8.55%
Dividend Yield2.68%
Graham Number$45.78
SharesGrow IV$93.48 (+112.6%)
Analyst Target$47.00 (+6.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
22.3 |
5.62 |
2.38 |
5.80 |
1.35% |
| 2017 |
19.9 |
1.56 |
2.22 |
5.67 |
1.46% |
| 2018 |
14.0 |
1.12 |
1.42 |
3.80 |
2.17% |
| 2019 |
15.5 |
1.03 |
1.60 |
4.14 |
1.91% |
| 2020 |
14.1 |
6.47 |
1.41 |
3.84 |
2.29% |
| 2021 |
12.3 |
0.35 |
1.55 |
4.50 |
2.15% |
| 2022 |
13.4 |
-1.09 |
1.97 |
3.95 |
2.46% |
| 2023 |
11.2 |
2.39 |
1.44 |
3.02 |
3.07% |
| 2024 |
14.2 |
-5.18 |
1.67 |
3.78 |
2.67% |
| 2025 |
12.8 |
1.57 |
1.24 |
2.96 |
3.00% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.57 |
$135.38M |
$35.18M |
26% |
| 2017 |
$1.77 |
$142.88M |
$40.68M |
28.5% |
| 2018 |
$1.99 |
$170.82M |
$46.53M |
27.2% |
| 2019 |
$2.29 |
$221.98M |
$59.22M |
26.7% |
| 2020 |
$2.34 |
$228.84M |
$62.21M |
27.2% |
| 2021 |
$3.17 |
$229.84M |
$84.14M |
36.6% |
| 2022 |
$2.78 |
$278.06M |
$81.83M |
29.4% |
| 2023 |
$2.91 |
$316.92M |
$85.89M |
27.1% |
| 2024 |
$2.83 |
$315.38M |
$83.81M |
26.6% |
| 2025 |
$3.06 |
$487.4M |
$112.64M |
23.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.77 |
$3.71 – $3.83 |
$395.5M |
$393.28M – $397.72M |
4 |
| 2027 |
$3.97 |
$3.89 – $4.07 |
$412.91M |
$409.45M – $416.38M |
4 |
