GABC PEER ANALYSIS

German American Bancorp Inc — metric-by-metric comparison with peers and the industry median

GABCGerman American Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

GABCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	GABC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
P/E	12.92	9.99	116.87	3.25●	41.93	21.65	12.58
P/B	1.49	2.73	0.69●	0.74	0.70	3.43	1.26
EV/EBITDA	9.39	7.04	306.47	-1.44●	67.48	2.98	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GABC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
Current Ratio	3.51	—	0.01	33.68●	0.05	—	0.31
Debt/Equity	14.9%	0.0%●	744.5%	9.1%	258.4%	0.0%●	38.0%
NetDebt/EBITDA	0.50	-0.00	280.57	-3.30	49.89	-13.41●	-0.58

Profitability
Metric	GABC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
Net Margin	27.1%	58.1%●	1.4%	30.2%	2.0%	14.2%	20.6%
ROE	12.2%	34.1%●	1.0%	24.2%	1.6%	17.5%	10.9%
ROA	1.6%	5.4%●	0.1%	2.9%	0.1%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	GABC	KLNMA	LB	BFL	BOQ	SKBNK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	79.6%●	42.3%	-80.9%	—	-67.9%	8.1%	19.4%
Div. Yield	2.5%	—	4.7%	22.6%●	6.5%	—	2.5%
Payout	32.6%	—	335.1%	68.7%	256.1%	—	31.4%

Valuation
Metric	GABC	TCBK	RBCAA	HOPE	STBA	DCOM	Ind. Median
P/E	12.92●	13.18	13.74	25.24	13.17	13.48	12.58
P/B	1.49	1.28	1.53	0.74●	1.25	1.11	1.26
EV/EBITDA	9.39	7.63	9.21	15.91	11.03	-1.79●	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GABC	TCBK	RBCAA	HOPE	STBA	DCOM	Ind. Median
Current Ratio	3.51	0.04	7.37●	2.28	1.97	0.21	0.31
Debt/Equity	14.9%	6.0%●	42.3%	17.4%	10.5%	47.3%	38.0%
NetDebt/EBITDA	0.50	-1.15	-0.68	-2.12	0.51	-10.95●	-0.58

Profitability
Metric	GABC	TCBK	RBCAA	HOPE	STBA	DCOM	Ind. Median
Net Margin	27.1%●	23.9%	25.6%	6.8%	23.7%	16.6%	20.6%
ROE	12.2%●	10.0%	11.7%	3.0%	9.5%	8.5%	10.9%
ROA	1.6%	1.3%	1.8%●	0.4%	1.4%	0.9%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	GABC	TCBK	RBCAA	HOPE	STBA	DCOM	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	79.6%	13.6%	7.3%	-29.4%	1.9%	276.9%●	19.4%
Div. Yield	2.5%	2.6%	2.0%	4.0%●	2.8%	2.4%	2.5%
Payout	32.6%	35.5%	27.4%	107.2%	39.2%	40.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.