German American BancorpFRA:GAB +2.09%61 FCF Margin % is 37.45% as of Mar. 2026, which is 6% below its 10-year median of 39.91. GuruFocus rates FRA:GAB with a GF Score™ of 61/100 and a GF Value™ of €36.67 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,504 Banks companies, German American Bancorp ranks better than 69.48% on this metric.
* 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.
FRA:GAB vs DCOM, FSUN, STBA: FCF Margin % Comparison
For the Banks - Regional subindustry, German American Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where German American Bancorp's FCF Margin % 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 (FRA:GAB) has a FCF Margin % of 37.45% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on German American Bancorp and its competitors. This is near median its historical median of 39.91. Over the past decade, German American Bancorp's FCF Margin % has ranged from 28.90 to 43.65. According to the industry distribution chart, German American Bancorp ranks #459 out of 1504 companies in the Banks industry, placing it in the top 30.5%.
Is German American Bancorp's FCF Margin % too high?
German American Bancorp's current FCF Margin % of 37.45% is near median its 10-year median of 39.91. Over the past 10 years, this metric has ranged from a low of 28.90 to a high of 43.65. The Banks industry median FCF Margin % is 26.50. German American Bancorp's value of 37.45% is 41.3% above this industry median. Based on the distribution chart, German American Bancorp ranks #459 out of 1504 companies in the Banks industry, which is above 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 FCF Margin % compare to DCOM and FSUN?
According to the Banks industry distribution chart, German American Bancorp ranks #459 out of 1504 companies for FCF Margin %. This puts German American Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.50. German American Bancorp's value of 37.45% is 41.3% above this benchmark. Historically, German American Bancorp's own FCF Margin % has ranged from 28.90 to 43.65 over the past decade. While the company's 10-year median is 39.91 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. German American Bancorp's current FCF Margin % of 37.45% is 41.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on German American Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. German American Bancorp's current FCF Margin % is 37.45%, which is near median its own 10-year median of 39.91. 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 (FRA:GAB) is currently considered Fairly Valued. The stock's GF Value™ is €36.67, compared to a current price of €39.00 — trading 6.4% above its estimated fair value. The current FCF Margin % is 37.45%, which is near median its 10-year median of 39.91 and 41.3% above the Banks industry median of 26.50. German American Bancorp's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For German American Bancorp (FRA:GAB), the current FCF Margin % is 37.45% as of Mar. 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 (FRA:GAB) Overvalued in 2026?
Based on GuruFocus' analysis, German American Bancorp stock appears to be overvalued.
The current stock price of €39.00 is trading 6.4% above its estimated GF Value™ of €36.67.
GuruFocus considers German American Bancorp to be Fairly Valued.
Key valuation signals for FRA:GAB:
FCF Margin %: 37.45% (near median its 10-year median of 39.91)
GF Value™: €36.67 vs. price of €39.00 (6.4% above fair value)
Industry Position: 41.3% above the Banks median (#459 of 1504)
No single metric tells the full story. See the FRA:GAB 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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