German American BancorpFRA:GAB +1.03%60 OCF Margin % is 38.56% as of Mar. 2026, which is 9% below its 10-year median of 42.57. GuruFocus rates FRA:GAB with a GF Score™ of 60/100 and a GF Value™ of €36.68 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,501 Banks companies, German American Bancorp ranks better than 67.75% 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: OCF Margin % Comparison
For the Banks - Regional subindustry, German American Bancorp's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where German American Bancorp's OCF 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 OCF Margin % of 38.56% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on German American Bancorp and its competitors. This is near median its historical median of 42.57. Over the past decade, German American Bancorp's OCF Margin % has ranged from 33.02 to 45.78. According to the industry distribution chart, German American Bancorp ranks #484 out of 1501 companies in the Banks industry, placing it in the top 32.2%.
Is German American Bancorp's OCF Margin % too high?
German American Bancorp's current OCF Margin % of 38.56% is near median its 10-year median of 42.57. Over the past 10 years, this metric has ranged from a low of 33.02 to a high of 45.78. The Banks industry median OCF Margin % is 29.44. German American Bancorp's value of 38.56% is 31% above this industry median. Based on the distribution chart, German American Bancorp ranks #484 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, German American Bancorp has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's OCF Margin % compare to DCOM and FSUN?
According to the Banks industry distribution chart, German American Bancorp ranks #484 out of 1501 companies for OCF Margin %. This puts German American Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. German American Bancorp's value of 38.56% is 31% above this benchmark. Historically, German American Bancorp's own OCF Margin % has ranged from 33.02 to 45.78 over the past decade. While the company's 10-year median is 42.57 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. German American Bancorp's current OCF Margin % of 38.56% is 31% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on German American Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. German American Bancorp's current OCF Margin % is 38.56%, which is near median its own 10-year median of 42.57. 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 €36.68, compared to a current price of €39.40 — trading 7.4% above its estimated fair value. The current OCF Margin % is 38.56%, which is near median its 10-year median of 42.57 and 31% above the Banks industry median of 29.44. German American Bancorp's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For German American Bancorp (FRA:GAB), the current OCF Margin % is 38.56% 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 €39.40 is trading 7.4% above its estimated GF Value™ of €36.68.
GuruFocus considers German American Bancorp to be Fairly Valued.
Key valuation signals for FRA:GAB:
OCF Margin %: 38.56% (near median its 10-year median of 42.57)
GF Value™: €36.68 vs. price of €39.40 (7.4% above fair value)
Industry Position: 31% above the Banks median (#484 of 1501)
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.
60GF Score
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