GABC
Neutral signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 0.18 · operating margin 29% — readings disagree
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 1 356,533 titres (~68 699,84 $ US)
- Insiders
- Ryan Christina MBawel Zachary WKELLY JASON M
- Total bought
-
$68,700
Avg buy (VWAP, 90d window) $49.23 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-09-15
- Last synced
-
2026-09-21 10:15:11
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-15 | Bawel Zachary W | Buy | 401 | $49.89 | $20,000 | Form 4 |
| 2026-09-15 | Ryan Christina M | Buy | 124 | $49.89 | $6,200 | Form 4 |
| 2026-09-15 | Seger Andrew M | Buy | 150 | $49.89 | $7,500 | Form 4 |
| 2026-08-17 | Bawel Zachary W | Buy | 391 | $51.12 | $20,000 | Form 4 |
| 2026-08-17 | KELLY JASON M | Buy | 49 | $51.12 | $2,500 | Form 4 |
| 2026-08-17 | Ryan Christina M | Buy | 391 | $51.12 | $20,000 | Form 4 |
| 2026-08-17 | Seger Andrew M | Buy | 391 | $51.12 | $20,000 | Form 4 |
| 2026-07-16 | Bawel Zachary W | Buy | 418 | $47.84 | $20,000 | Form 4 |
| 2026-07-16 | KELLY JASON M | Buy | 418 | $47.84 | $20,000 | Form 4 |
| 2026-07-16 | Ryan Christina M | Buy | 418 | $47.84 | $20,000 | Form 4 |
| 2026-07-16 | Seger Andrew M | Buy | 418 | $47.84 | $20,000 | Form 4 |
| 2026-07-16 | Stokes Ronnie R | Buy | 314 | $47.84 | $15,000 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Neutral signalScored 2026-08-26
GABC shows a meaningful insider cluster buy signal following a Q2 earnings beat, which is a constructive event-driven catalyst, but the critically weak liquidity profile (current ratio of 0.18, negative working capital)…
The first sentence of the analysis written for GABC on 2026-08-26 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.2% | 67.3% | 78.3% | 91.1% | 98.7% | |
| Ebit Margin | 28.7% | 33.0% | 32.7% | 35.7% | 44.7% | |
| Ebitda Margin | 32.6% | 35.9% | 35.7% | 39.3% | 48.5% | |
| Operating Profit Margin | 28.7% | 33.0% | 32.7% | 35.7% | 44.7% | |
| Pretax Profit Margin | 28.7% | 33.0% | 32.7% | 35.7% | 44.7% | |
| Continuous Operations Profit Margin | 23.1% | 26.6% | 27.1% | 29.4% | 36.6% | |
| Net Profit Margin | 23.1% | 26.6% | 27.1% | 29.4% | 36.6% | |
| Bottom Line Profit Margin | 23.1% | 26.6% | 27.1% | 29.4% | 36.6% | |
| Current Ratio | 0.175 | 0.209 | 0.315 | 0.357 | 0.408 | |
| Quick Ratio | 0.175 | 0.209 | 0.315 | 0.357 | 0.408 | |
| Solvency Ratio | 0.018 | 0.017 | 0.017 | 0.016 | 0.019 | |
| Cash Ratio | 0.010 | 0.013 | 0.015 | 0.014 | 0.010 | |
| Price To Earnings Ratio | 12.804 | 14.212 | 11.137 | 13.417 | 12.297 | |
| Price To Earnings Growth Ratio | 1.575 | -5.170 | 2.382 | -1.091 | 0.347 | |
| Forward Price To Earnings Growth Ratio | 1.575 | -5.170 | 2.382 | -1.091 | 0.347 | |
| Price To Earnings Diluted Ratio | 12.804 | 14.212 | 11.137 | 13.417 | 12.297 | |
| Price To Earnings Diluted Growth Ratio | 1.575 | -5.170 | 2.382 | -1.091 | 0.347 | |
| Price To Book Ratio | 1.240 | 1.668 | 1.444 | 1.968 | 1.547 | |
| Price To Sales Ratio | 2.958 | 3.782 | 3.023 | 3.953 | 4.501 | |
| Price To Free Cash Flow Ratio | 9.362 | 13.148 | 9.439 | 10.756 | 10.757 | |
| Price To Operating Cash Flow Ratio | 9.049 | 12.455 | 8.933 | 9.988 | 10.258 | |
| Debt To Assets Ratio | 0.022 | 0.033 | 0.032 | 0.033 | 0.027 | |
| Debt To Equity Ratio | 0.157 | 0.294 | 0.292 | 0.365 | 0.228 | |
| Debt To Capital Ratio | 0.136 | 0.227 | 0.226 | 0.267 | 0.185 | |
| Long Term Debt To Capital Ratio | 0.105 | 0.174 | 0.159 | 0.152 | 0.108 | |
| Financial Leverage Ratio | 7.217 | 8.805 | 9.272 | 11.024 | 8.390 | |
| Working Capital Turnover Ratio | -0.097 | -0.080 | -0.088 | -0.087 | -0.080 | |
| Operating Cash Flow Ratio | 0.023 | 0.018 | 0.020 | 0.020 | 0.021 | |
| Operating Cash Flow Sales Ratio | 0.327 | 0.304 | 0.338 | 0.396 | 0.439 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.967 | 0.947 | 0.946 | 0.929 | 0.954 | |
| Debt Service Coverage Ratio | 0.774 | 0.592 | 0.721 | 0.769 | 1.193 | |
| Interest Coverage Ratio | 1.112 | 1.036 | 1.565 | 5.407 | 10.764 | |
| Short Term Operating Cash Flow Coverage Ratio | 3.633 | 1.684 | 1.626 | 1.088 | 1.476 | |
| Operating Cash Flow Coverage Ratio | 0.872 | 0.456 | 0.553 | 0.540 | 0.663 | |
| Capital Expenditure Coverage Ratio | 29.975 | 18.974 | 18.666 | 14.014 | 21.520 | |
| Dividend Paid And Capex Coverage Ratio | 3.279 | 2.596 | 3.048 | 3.155 | 3.748 | |
| Dividend Payout Ratio | 0.384 | 0.380 | 0.343 | 0.330 | 0.264 | |
| Enterprise Value Multiple | 9.777 | 11.759 | 9.487 | 11.226 | 10.207 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.2% | ▲2.9% | ▼-10.9% |
| Ebit Margin | 28.7% | ▼-4.3% | ▼-6.2% |
| Ebitda Margin | 32.6% | ▼-3.4% | ▼-5.8% |
| Operating Profit Margin | 28.7% | ▼-4.3% | ▼-6.2% |
| Pretax Profit Margin | 28.7% | ▼-4.3% | ▼-6.2% |
| Continuous Operations Profit Margin | 23.1% | ▼-3.5% | ▼-5.5% |
| Net Profit Margin | 23.1% | ▼-3.5% | ▼-5.5% |
| Bottom Line Profit Margin | 23.1% | ▼-3.5% | ▼-5.5% |
| Current Ratio | 0.175 | ▼-0.033 | ▼-0.117 |
| Quick Ratio | 0.175 | ▼-0.033 | ▼-0.117 |
| Solvency Ratio | 0.018 | ▲0.002 | ▲0.001 |
| Cash Ratio | 0.010 | ▼-0.003 | ▼-0.002 |
| Price To Earnings Ratio | 12.804 | ▼-1.408 | ▲0.030 |
| Price To Earnings Growth Ratio | 1.575 | ▲6.745 | ▲1.967 |
| Forward Price To Earnings Growth Ratio | 1.575 | ▲6.745 | ▲1.967 |
| Price To Earnings Diluted Ratio | 12.804 | ▼-1.408 | ▲0.030 |
| Price To Earnings Diluted Growth Ratio | 1.575 | ▲6.745 | ▲1.967 |
| Price To Book Ratio | 1.240 | ▼-0.428 | ▼-0.333 |
| Price To Sales Ratio | 2.958 | ▼-0.824 | ▼-0.685 |
| Price To Free Cash Flow Ratio | 9.361 | ▼-3.787 | ▼-1.331 |
| Price To Operating Cash Flow Ratio | 9.049 | ▼-3.406 | ▼-1.087 |
| Debt To Assets Ratio | 0.022 | ▼-0.012 | ▼-0.008 |
| Debt To Equity Ratio | 0.157 | ▼-0.137 | ▼-0.110 |
| Debt To Capital Ratio | 0.136 | ▼-0.091 | ▼-0.073 |
| Long Term Debt To Capital Ratio | 0.105 | ▼-0.069 | ▼-0.034 |
| Financial Leverage Ratio | 7.217 | ▼-1.587 | ▼-1.724 |
| Working Capital Turnover Ratio | -0.097 | ▼-0.017 | ▼-0.011 |
| Operating Cash Flow Ratio | 0.023 | ▲0.005 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.327 | ▲0.023 | ▼-0.034 |
| Free Cash Flow Operating Cash Flow Ratio | 0.967 | ▲0.019 | ▲0.018 |
| Debt Service Coverage Ratio | 0.773 | ▲0.182 | ▼-0.036 |
| Interest Coverage Ratio | 1.112 | ▲0.076 | ▼-2.865 |
| Short Term Operating Cash Flow Coverage Ratio | 3.633 | ▲1.949 | ▲1.732 |
| Operating Cash Flow Coverage Ratio | 0.872 | ▲0.416 | ▲0.255 |
| Capital Expenditure Coverage Ratio | 29.975 | ▲11.000 | ▲9.345 |
| Dividend Paid And Capex Coverage Ratio | 3.279 | ▲0.683 | ▲0.113 |
| Dividend Payout Ratio | 0.384 | ▲0.004 | ▲0.044 |
| Enterprise Value Multiple | 9.777 | ▼-1.982 | ▼-0.714 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.44B | $1.19B | $958.0M | $1.10B | $1.03B | |
| Enterprise value | $1.55B | $1.33B | $1.07B | $1.23B | $1.14B | |
| EV / Sales | 3.19x | 4.23x | 3.38x | 4.41x | 4.95x | |
| EV / Op. cash flow | 9.74x | 13.92x | 10.00x | 11.15x | 11.29x | |
| EV / Free cash flow | 10.08x | 14.70x | 10.57x | 12.01x | 11.84x | |
| EV / EBITDA | 9.78x | 11.76x | 9.49x | 11.23x | 10.21x | |
| Net debt / EBITDA | 0.70x | 1.24x | 1.01x | 1.17x | 0.94x | |
| Current ratio | 0.17x | 0.21x | 0.32x | 0.36x | 0.41x | |
| Income quality | 1.41x | 1.14x | 1.25x | 1.34x | 1.20x | |
| Graham number | $47 | $39 | $38 | $34 | $42 | |
| Graham net-net | -$163 | -$150 | -$129 | -$124 | -$112 | |
| Tax burden | 80.4% | 80.5% | 82.9% | 82.5% | 81.9% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$5.80B | -$4.26B | -$3.64B | -$3.53B | -$2.88B | |
| Invested capital | -$5.25B | -$3.97B | -$3.35B | -$3.23B | -$2.66B | |
| Return on assets | 1.3% | 1.3% | 1.4% | 1.3% | 1.5% | |
| Operating ROA | 1.9% | 1.7% | 1.7% | 1.7% | 1.9% | |
| Return on tangible assets | 1.4% | 1.4% | 1.4% | 1.4% | 1.5% | |
| Return on equity | 9.7% | 11.7% | 12.9% | 14.7% | 12.6% | |
| Return on invested capital | 8.1% | 8.7% | 9.6% | 10.7% | 10.3% | |
| Return on capital employed | 10.3% | 11.4% | 12.4% | 15.0% | 13.7% | |
| Earnings yield | 7.8% | 7.0% | 9.0% | 7.4% | 8.1% | |
| Free cash flow yield | 10.7% | 7.6% | 10.6% | 9.3% | 9.3% | |
| Capex / Op. cash flow | 3.3% | 5.3% | 5.4% | 7.1% | 4.6% | |
| Capex / Depreciation | 28.4% | 54.4% | 60.1% | 77.6% | 53.4% | |
| Capex / Sales | 1.1% | 1.6% | 1.8% | 2.8% | 2.0% | |
| SG&A / Sales | 23.9% | 28.3% | 28.7% | 32.5% | 32.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.9% | 0.7% | 0.8% | 0.8% | |
| Intangibles / Total assets | 4.9% | 2.9% | 3.0% | 3.1% | 2.3% | |
| Days sales outstanding | 0d | 0d | 0d | 163d | 69d | |
| Days payables outstanding | 0d | 0d | 0d | 647d | 5217d | |
| Operating cycle | 0d | 0d | 0d | 163d | 69d | |
| Cash conversion cycle | 0d | 0d | 0d | -484d | -5148d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+20.9%EV / Sales ▼-24.6%EV / EBITDA ▼-16.9%EV / Op. cash flow ▼-4.177Earnings yield ▲+0.008Graham number ▲+7.487
Profitability
Return on equity ▼-0.020Return on assets +0.000Return on invested capital ▼-0.006Return on capital employed ▼-0.011Operating ROA ▲+0.002Income quality ▲+0.272Tax burden ▼-0.001
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.005R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.033Net debt / EBITDA ▼-0.541Working capital ▼-1538466000.000Invested capital ▼-1277293000.000Intangibles / Total assets ▲+0.020
Change over 5 years
Valuation
Market cap ▲+39.4%EV / Sales ▼-35.7%EV / EBITDA ▼-4.2%EV / Op. cash flow ▼-1.547Earnings yield ▼-0.003Graham number ▲+4.252
Profitability
Return on equity ▼-0.029Return on assets ▼-0.002Return on invested capital ▼-0.022Return on capital employed ▼-0.033Operating ROA -0.000Income quality ▲+0.216Tax burden ▼-0.014
Efficiency
Days sales outstanding ▼-69.104Days payables outstanding ▼-5217.142Operating cycle ▼-69.104Cash conversion cycle ▲+5148.038Capex / Sales ▼-0.009R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.232Net debt / EBITDA ▼-0.237Working capital ▼-2924340000.000Invested capital ▼-2592548000.000Intangibles / Total assets ▲+0.026
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-09-19 Squarepoint Ops LLC Sells 11,235 Shares of German American Bancorp, Inc. $GABC Squarepoint Ops LLC trimmed its position in German American Bancorp, Inc. (NASDAQ: GABC) by 37.6% during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 18,629 shares of the bank''s stock after selling 11,235 shares during the quarter. Squarepoint Ops LLC''s holdings in
- 2026-09-02 Why German American Bancorp (GABC) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
- 2026-08-20 Implied Volatility Surging for German American Bancorp Stock Options Investors need to pay close attention to GABC stock based on the movements in the options market lately.
- 2026-08-17 German American Bancorp (GABC) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
- 2026-08-14 Dividend Champion, Contender, And Challenger Highlights: Week August 16 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-08-05 German American Bancorp (GABC) Is Up 5.06% in One Week: What You Should Know Does German American Bancorp (GABC) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-08-05 Last Chance – 5 Dividend Stocks You Must Buy This Week to Get Paid in August Income investors have intriguing opportunities and a narrow decision window this week.
- 2026-08-01 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
- 2026-07-27 German American Bancorp (GABC) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for German American Bancorp (GABC) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-27 German American Bancorp (GABC) Q2 Earnings and Revenues Beat Estimates German American Bancorp (GABC) came out with quarterly earnings of $1.02 per share, beating the Zacks Consensus Estimate of $0.92 per share. This compares to earnings of $0.86 per share a year ago.