German American Bancorp (FRA:GAB) Moat Score: 4/10 (As of Jul. 04, 2026)


FRA:GAB German American Bancorp Inc FRA:GAB
61 GF Score
Price €40.20
GF Value €36.93
Valuation Fairly Valued
! 3 Warning Signs
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What is German American Bancorp Moat Score?

German American Bancorp FRA:GAB -1.47% 61 Moat Score is 4 as of Jul. 04, 2026. GuruFocus rates FRA:GAB with a GF Score™ of 61/100 and a GF Value™ of €36.93 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,611 Banks companies, German American Bancorp ranks better than 86.22% on this metric.

German American Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

German American Bancorp has Narrow Moat: GABC has a modest moat due to its regional market leadership and customer loyalty in its banking services. However, it lacks significant network effects, strong brand strength, or substantial regulatory barriers that would elevate it to a stronger moat category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes German American Bancorp might have Narrow Moat - Discernible but modest moat.

German American Bancorp  (FRA:GAB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

German American Bancorp Moat Score Related Terms

FRA:GAB vs FSUN, DCOM, STBA: Moat Score Comparison

For the Banks - Regional subindustry, German American Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, German American Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where German American Bancorp's Moat Score falls into.


FRA:GAB
61GF Score
German American Bancorp Inc FRA:GAB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
German American Bancorp (FRA:GAB) has a Moat Score of 4 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, German American Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is German American Bancorp's Moat Score too high?
German American Bancorp's current Moat Score is 4. Based on the distribution chart, German American Bancorp ranks #222 out of 1611 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 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's Moat Score compare to FSUN and DCOM?
According to the Banks industry distribution chart, German American Bancorp ranks #222 out of 1611 companies for Moat Score. This places German American Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. German American Bancorp's current Moat Score is 4. 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 €36.93, compared to a current price of €40.20 — trading 8.9% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For German American Bancorp (FRA:GAB), the current Moat Score is 4 as of Jul. 04, 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 €40.20 is trading 8.9% above its estimated GF Value™ of €36.93. GuruFocus considers German American Bancorp to be Fairly Valued.

Key valuation signals for FRA:GAB:

  • Moat Score: 4
  • GF Value™: €36.93 vs. price of €40.20 (8.9% above fair value)
  • GF Score™: 61/100 with 3 warning signs

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 Business Description

Other Exchanges GABC:USA
Address 711 Main Street, P.O. Box 810, Jasper, IN, USA, 47546
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€40.20
Price
€36.93
GF Value