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German American BancorpFRA:GAB 65 5-Year Yield-on-Cost % is 3.83 as of Jul. 22, 2026, which is 11% above its 10-year median of 3.46. GuruFocus rates FRA:GAB with a GF Score™ of 65/100 and a GF Value™ of €37.91 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,251 Banks companies, German American Bancorp ranks worse than 52.28% on this metric.
The historical rank and industry rank for German American Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:GAB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2 Med: 3.46 Max: 5.75
Current: 3.83
During the past 13 years, German American Bancorp's highest Yield on Cost was 5.75. The lowest was 2.00. And the median was 3.46.
FRA:GAB's 5-Year Yield-on-Cost % is ranked worse than 52.28% of 1251
companies
in the Banks industry
Industry Median: 3.88
vs FRA:GAB: 3.83
German American Bancorp (FRA:GAB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
German American Bancorp 5-Year Yield-on-Cost % Related Terms
FRA:GAB vs FSUN, DCOM, STBA: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, German American Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where German American Bancorp's 5-Year Yield-on-Cost % falls into.
German American Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
German American Bancorp (FRA:GAB) has a 5-Year Yield-on-Cost % of 3.83 as of Jul. 22, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on German American Bancorp and its competitors. This is 11% above median its historical median of 3.46. Over the past decade, German American Bancorp's 5-Year Yield-on-Cost % has ranged from 2.00 to 5.75. According to the industry distribution chart, German American Bancorp ranks #654 out of 1251 companies in the Banks industry, placing it in the top 52.3%.
Is German American Bancorp's 5-Year Yield-on-Cost % too high?
German American Bancorp's current 5-Year Yield-on-Cost % of 3.83 is 11% above median its 10-year median of 3.46. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.75. The Banks industry median 5-Year Yield-on-Cost % is 3.88. German American Bancorp's value of 3.83 is 1.3% below this industry median. Based on the distribution chart, German American Bancorp ranks #654 out of 1251 companies in the Banks industry, which is below the industry midpoint. Overall, German American Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's 5-Year Yield-on-Cost % compare to FSUN and DCOM?
According to the Banks industry distribution chart, German American Bancorp ranks #654 out of 1251 companies for 5-Year Yield-on-Cost %. This places German American Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. German American Bancorp's value of 3.83 is 1.3% below this benchmark. Historically, German American Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.00 to 5.75 over the past decade. While the company's 10-year median is 3.46 vs. the industry median of 3.88, German American Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. German American Bancorp's current 5-Year Yield-on-Cost % of 3.83 is 1.3% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on German American Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. German American Bancorp's current 5-Year Yield-on-Cost % is 3.83, which is 11% above median its own 10-year median of 3.46. 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 €37.91, compared to a current price of €41.00 — trading 8.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.83, which is 11% above median its 10-year median of 3.46 and 1.3% below the Banks industry median of 3.88. German American Bancorp's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For German American Bancorp (FRA:GAB), the current 5-Year Yield-on-Cost % is 3.83 as of Jul. 22, 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 €41.00 is trading 8.2% above its estimated GF Value™ of €37.91.
GuruFocus considers German American Bancorp to be Fairly Valued.
Key valuation signals for FRA:GAB:
5-Year Yield-on-Cost %: 3.83 (11% above median its 10-year median of 3.46)
GF Value™: €37.91 vs. price of €41.00 (8.2% above fair value)
Industry Position: 1.3% below the Banks median (#654 of 1251)
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.
65GF Score
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