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German American BancorpGABC +1.35%62 Debt-to-Equity is 0.12 as of Jun. 2026, which is 63% below its 10-year median of 0.32. GuruFocus rates GABC with a GF Score™ of 62/100 and a GF Value™ of $45.76 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,422 Banks companies, German American Bancorp ranks better than 85.51% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for German American Bancorp's Debt-to-Equity or its related term are showing as below:
GABC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.32 Max: 0.96
Current: 0.12
During the past 13 years, the highest Debt-to-Equity Ratio of German American Bancorp was 0.96. The lowest was 0.12. And the median was 0.32.
GABC's Debt-to-Equity is ranked better than 85.51% of 1422
companies
in the Banks industry
Industry Median: 0.58
vs GABC: 0.12
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
German American Bancorp Debt-to-Equity Related Terms
German American Bancorp Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
GABC vs CASH, RBCAA, TFIN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, German American Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
German American Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where German American Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
German American Bancorp (GABC) has a Debt-to-Equity of 0.12 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on German American Bancorp and its competitors. This is 63% below median its historical median of 0.32. Over the past decade, German American Bancorp's Debt-to-Equity has ranged from 0.12 to 0.96. According to the industry distribution chart, German American Bancorp ranks #206 out of 1422 companies in the Banks industry, placing it in the top 14.5%.
Is German American Bancorp's Debt-to-Equity too high?
German American Bancorp's current Debt-to-Equity of 0.12 is 63% below median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.96. The Banks industry median Debt-to-Equity is 0.58. German American Bancorp's value of 0.12 is 79.3% below this industry median. Based on the distribution chart, German American Bancorp ranks #206 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, German American Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's Debt-to-Equity compare to CASH and RBCAA?
According to the Banks industry distribution chart, German American Bancorp ranks #206 out of 1422 companies for Debt-to-Equity. This places German American Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. German American Bancorp's value of 0.12 is 79.3% below this benchmark. Historically, German American Bancorp's own Debt-to-Equity has ranged from 0.12 to 0.96 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.58, German American Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. German American Bancorp's current Debt-to-Equity of 0.12 is 79.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on German American Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. German American Bancorp's current Debt-to-Equity is 0.12, which is 63% below median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is German American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, German American Bancorp (GABC) is currently considered Fairly Valued. The stock's GF Value™ is $45.76, compared to a current price of $50.36 — trading 10.1% above its estimated fair value. The current Debt-to-Equity is 0.12, which is 63% below median its 10-year median of 0.32 and 79.3% below the Banks industry median of 0.58. German American Bancorp's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For German American Bancorp (GABC), the current Debt-to-Equity is 0.12 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is German American Bancorp (GABC) Overvalued in 2026?
Based on GuruFocus' analysis, German American Bancorp stock appears to be overvalued.
The current stock price of $50.36 is trading 10.1% above its estimated GF Value™ of $45.76.
GuruFocus considers German American Bancorp to be Fairly Valued.
Key valuation signals for GABC:
Debt-to-Equity: 0.12 (63% below median its 10-year median of 0.32)
GF Value™: $45.76 vs. price of $50.36 (10.1% above fair value)
Industry Position: 79.3% below the Banks median (#206 of 1422)
No single metric tells the full story. See the GABC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
German American Bancorp Inc is a bank holding company. The lines of business include the core banking segment and the wealth management segment. The core banking segment involves attracting deposits from the general public and using those funds to originate consumer, commercial, and agricultural real estate, and residential mortgage loans. These core banking activities also include the sale of residential mortgage loans in the secondary market. Wealth management services, which involve providing trust, investment advisory, brokerage, and retirement planning services to customers. The company generates the majority of its revenue from the core banking segment.
62GF Score
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