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German American BancorpGABC +1.29%62 EV-to-OCF is 10.28 as of Aug. 11, 2026, which is 19% below its 10-year median of 12.64. 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 1,499 Banks companies, German American Bancorp ranks worse than 70.85% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, German American Bancorp's Enterprise Value is $1,950.0 Mil.
German American Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $189.6 Mil. Therefore, German American Bancorp's EV-to-OCF for today is 10.28.
The historical rank and industry rank for German American Bancorp's EV-to-OCF or its related term are showing as below:
GABC'
s EV-to-OCF Range Over the Past 10 Years
Min: 8.37 Med: 12.64 Max: 30.02
Current: 10.28
During the past 13 years, the highest EV-to-OCF of German American Bancorp was 30.02. The lowest was 8.37. And the median was 12.64.
GABC's EV-to-OCF is ranked worse than 70.85% of 1499
companies
in the Banks industry
Industry Median: 4
vs GABC: 10.28
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
German American Bancorp (NAS:GABC) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
German American Bancorp's PE Ratio (TTM) for today is calculated as:
German American Bancorp's share price for today is $50.365.
German American Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.790.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, German American Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where German American Bancorp's EV-to-OCF falls into.
German American Bancorp's current Enterprise Value is $1,950.0 Mil.
German American Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $189.6 Mil.
* 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 EV-to-OCF of 10.28 as of Aug. 11, 2026. This is 19% below median its historical median of 12.64. Over the past decade, German American Bancorp's EV-to-OCF has ranged from 8.37 to 30.02. According to the industry distribution chart, German American Bancorp ranks #1062 out of 1499 companies in the Banks industry, placing it in the top 70.8%.
Is German American Bancorp's EV-to-OCF too high?
German American Bancorp's current EV-to-OCF of 10.28 is 19% below median its 10-year median of 12.64. Over the past 10 years, this metric has ranged from a low of 8.37 to a high of 30.02. The Banks industry median EV-to-OCF is 4.00. German American Bancorp's value of 10.28 is 157% above this industry median. Based on the distribution chart, German American Bancorp ranks #1062 out of 1499 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-OCF compare to CASH and RBCAA?
According to the Banks industry distribution chart, German American Bancorp ranks #1062 out of 1499 companies for EV-to-OCF. This places German American Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.00. German American Bancorp's value of 10.28 is 157% above this benchmark. Historically, German American Bancorp's own EV-to-OCF has ranged from 8.37 to 30.02 over the past decade. While the company's 10-year median is 12.64 vs. the industry median of 4.00, German American Bancorp has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. German American Bancorp's current EV-to-OCF of 10.28 is 157% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. German American Bancorp's current EV-to-OCF is 10.28, which is 19% below median its own 10-year median of 12.64. 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 $50.37 — trading 10.1% above its estimated fair value. The current EV-to-OCF is 10.28, which is 19% below median its 10-year median of 12.64 and 157% above the Banks industry median of 4.00. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For German American Bancorp (GABC), the current EV-to-OCF is 10.28 as of Aug. 11, 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 $50.37 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:
EV-to-OCF: 10.28 (19% below median its 10-year median of 12.64)
GF Value™: $45.76 vs. price of $50.37 (10.1% above fair value)
Industry Position: 157% above the Banks median (#1062 of 1499)
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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