German American BancorpGABC -0.25%61 EV-to-FCF is 12.24 as of Jul. 07, 2026, which is 10% below its 10-year median of 13.62. GuruFocus rates GABC with a GF Score™ of 61/100 and a GF Value™ of $44.22 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,195 Banks companies, German American Bancorp ranks worse than 68.95% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, German American Bancorp's Enterprise Value is $1,876.8 Mil.
German American Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $153.3 Mil. Therefore, German American Bancorp's EV-to-FCF for today is 12.24.
The historical rank and industry rank for German American Bancorp's EV-to-FCF or its related term are showing as below:
GABC'
s EV-to-FCF Range Over the Past 10 Years
Min: 8.93 Med: 13.62 Max: 33.92
Current: 12.24
During the past 13 years, the highest EV-to-FCF of German American Bancorp was 33.92. The lowest was 8.93. And the median was 13.62.
GABC's EV-to-FCF is ranked worse than 68.95% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs GABC: 12.24
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 $47.48.
German American Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.610.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where German American Bancorp's EV-to-FCF falls into.
German American Bancorp's current Enterprise Value is $1,876.8 Mil.
German American Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $153.3 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-FCF of 12.24 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on German American Bancorp and its competitors. This is 10% below median its historical median of 13.62. Over the past decade, German American Bancorp's EV-to-FCF has ranged from 8.93 to 33.92. According to the industry distribution chart, German American Bancorp ranks #824 out of 1195 companies in the Banks industry, placing it in the top 69%.
Is German American Bancorp's EV-to-FCF too high?
German American Bancorp's current EV-to-FCF of 12.24 is 10% below median its 10-year median of 13.62. Over the past 10 years, this metric has ranged from a low of 8.93 to a high of 33.92. The Banks industry median EV-to-FCF is 6.57. German American Bancorp's value of 12.24 is 86.3% above this industry median. Based on the distribution chart, German American Bancorp ranks #824 out of 1195 companies in the Banks industry, which is below the industry midpoint. Overall, German American Bancorp has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's EV-to-FCF compare to FSUN and DCOM?
According to the Banks industry distribution chart, German American Bancorp ranks #824 out of 1195 companies for EV-to-FCF. This places German American Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. German American Bancorp's value of 12.24 is 86.3% above this benchmark. Historically, German American Bancorp's own EV-to-FCF has ranged from 8.93 to 33.92 over the past decade. While the company's 10-year median is 13.62 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. German American Bancorp's current EV-to-FCF of 12.24 is 86.3% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on German American Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. German American Bancorp's current EV-to-FCF is 12.24, which is 10% below median its own 10-year median of 13.62. 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 $44.22, compared to a current price of $47.48 — trading 7.4% above its estimated fair value. The current EV-to-FCF is 12.24, which is 10% below median its 10-year median of 13.62 and 86.3% above the Banks industry median of 6.57. German American Bancorp's overall GF Score™ is 61/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For German American Bancorp (GABC), the current EV-to-FCF is 12.24 as of Jul. 07, 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 $47.48 is trading 7.4% above its estimated GF Value™ of $44.22.
GuruFocus considers German American Bancorp to be Fairly Valued.
Key valuation signals for GABC:
EV-to-FCF: 12.24 (10% below median its 10-year median of 13.62)
GF Value™: $44.22 vs. price of $47.48 (7.4% above fair value)
Industry Position: 86.3% above the Banks median (#824 of 1195)
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.
61GF Score
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