Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.89 | 11.63 | 11.87 | 10.31 | 10.44 | 11.19 | 31.25 | 12.89 | 13.64 | 12.81 | 13.53 | 11.10 | 9.28 | 9.06 | 11.75 | 11.23 | 10.76 | 10.55 | 30.64 | 13.35 | 11.92 |
| — | +3.9% | -62.0% | -20.0% | -23.5% | -12.6% | +130.9% | +16.1% | +47.1% | +41.4% | +15.2% | -1.2% | -13.7% | -14.1% | -61.6% | -15.8% | -9.8% | +2.1% | +96.2% | +27.5% | -3.4% | |
| P/S Ratio | 5.05 | 4.46 | 4.08 | 3.83 | 3.81 | 3.87 | 3.99 | 4.58 | 4.61 | 9.87 | 4.21 | 3.92 | 3.21 | 3.18 | 3.85 | 4.16 | 4.00 | 3.89 | 4.43 | 4.64 | 4.51 |
| — | +15.4% | +2.2% | -16.5% | -17.3% | -60.8% | -5.2% | +17.0% | +43.5% | +210.1% | +9.5% | -5.9% | -19.7% | -18.2% | -13.1% | -10.4% | -11.3% | -15.3% | -22.0% | +20.4% | +29.6% | |
| P/B Ratio | 1.54 | 1.47 | 1.33 | 1.26 | 1.28 | 1.30 | 1.24 | 1.67 | 1.54 | 1.52 | 1.56 | 1.44 | 1.49 | 1.33 | 1.63 | 1.97 | 2.13 | 1.75 | 1.72 | 1.55 | 1.58 |
| — | +13.2% | +7.4% | -24.3% | -17.0% | -14.8% | -20.5% | +15.6% | +3.8% | +14.3% | -3.8% | -26.7% | -30.1% | -24.0% | -5.5% | +27.2% | +34.9% | +15.3% | -13.3% | +10.3% | +32.5% | |
| P/FCF | 11.86 | 8.07 | 10.89 | 8.95 | 7.16 | 13.28 | 8.87 | 10.64 | 12.49 | 15.39 | 11.33 | 8.17 | 8.57 | 10.45 | 8.33 | 10.58 | 8.47 | 86.88 | 6.62 | 10.34 | 9.32 |
| — | -39.3% | +22.9% | -15.9% | -42.7% | -13.7% | -21.8% | +30.3% | +45.8% | +47.2% | +36.1% | -22.8% | +1.2% | -88.0% | +25.9% | +2.4% | -9.2% | +525.5% | -44.2% | +62.0% | -39.4% | |
| EV / EBITDA | 12.20 | 9.69 | 8.94 | 6.92 | 7.84 | 8.48 | 21.04 | 10.76 | 11.42 | 9.89 | 11.40 | 9.64 | 8.93 | 8.13 | 9.97 | 9.50 | 8.48 | 8.29 | 24.45 | 11.63 | 10.13 |
| — | +14.2% | -57.5% | -35.6% | -31.4% | -14.3% | +84.6% | +11.6% | +27.9% | +21.6% | +14.3% | +1.5% | +5.2% | -1.8% | -59.2% | -18.3% | -16.2% | -6.7% | +100.4% | +28.4% | -7.1% | |
| EV / EBIT | 13.83 | 9.69 | 9.99 | 9.01 | 8.76 | 9.52 | 26.96 | 11.63 | 12.44 | 10.76 | 12.55 | 10.53 | 9.74 | 8.86 | 10.93 | 10.25 | 9.17 | 9.03 | 31.11 | 12.70 | 10.95 |
| — | +1.8% | -62.9% | -22.5% | -29.6% | -11.5% | +114.8% | +10.4% | +27.7% | +21.4% | +14.8% | +2.8% | +6.2% | -1.9% | -64.9% | -19.2% | -16.2% | -5.4% | +132.7% | +28.2% | -11.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.2% | 77.6% | 76.5% | 74.0% | 73.9% | 72.0% | 59.5% | 71.2% | 69.8% | 49.7% | 71.3% | 74.1% | 76.4% | 79.8% | 83.3% | 88.0% | 92.7% | 95.6% | 88.4% | 92.7% | 99.5% |
| — | +7.7% | +28.6% | +4.0% | +5.8% | +44.8% | -16.5% | -4.0% | -8.6% | -37.7% | -14.5% | -15.8% | -17.6% | -16.5% | -5.8% | -5.1% | -6.9% | -8.6% | -9.8% | +1.1% | +16.9% | |
| Operating Margin | 28.7% | 37.9% | 33.9% | 34.6% | 34.6% | 31.8% | 12.0% | 31.6% | 29.0% | 51.0% | 27.6% | 30.8% | 32.4% | 34.3% | 33.5% | 40.2% | 43.5% | 42.7% | 14.9% | 38.7% | 44.6% |
| — | +19.1% | +182.7% | +9.4% | +19.3% | -37.6% | -56.5% | +2.6% | -10.4% | +48.7% | -17.7% | -23.2% | -25.6% | -19.7% | +125.1% | +3.8% | -2.5% | -19.4% | -65.3% | -9.3% | +39.3% | |
| Net Margin | 23.1% | 30.1% | 27.0% | 28.2% | 27.7% | 25.5% | 9.5% | 25.6% | 23.8% | 39.3% | 22.6% | 26.0% | 26.7% | 28.2% | 27.6% | 32.8% | 34.8% | 35.2% | 13.9% | 33.3% | 36.3% |
| — | +18.1% | +184.8% | +10.1% | +16.5% | -35.3% | -58.1% | -1.7% | -10.8% | +39.5% | -18.0% | -20.5% | -23.4% | -19.9% | +99.1% | -1.5% | -4.2% | -16.9% | -59.9% | -4.7% | +37.9% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 3.2% | 2.8% | 3.1% | 3.2% | 3.0% | 1.2% | 3.2% | 2.9% | 3.1% | 2.9% | 3.6% | 3.8% | 3.7% | 3.6% | 4.6% | 4.6% | 3.9% | 1.4% | 2.9% | 3.3% |
| — | +7.9% | +137.5% | -1.7% | +9.0% | -3.0% | -58.6% | -11.1% | -21.8% | -16.5% | -19.3% | -22.8% | -18.3% | -5.6% | +159.8% | +58.6% | +39.1% | +3.2% | -56.3% | -14.0% | +35.8% | |
| ROA | 1.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.1% | 0.4% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.1% | 0.3% | 0.4% |
| — | +20.8% | +176.6% | +15.0% | +24.6% | +12.8% | -53.9% | +4.5% | -5.2% | -9.3% | -9.4% | -10.0% | -7.9% | +1.8% | +132.3% | +13.1% | -2.7% | -20.0% | -61.6% | -18.2% | +32.0% | |
| ROIC | 9.3% | 2.6% | 2.3% | 2.5% | 2.5% | 2.3% | 0.9% | 2.3% | 2.1% | 2.3% | 2.0% | 2.3% | 2.4% | 2.5% | 2.4% | 3.2% | 3.4% | 2.8% | 0.9% | 2.0% | 2.3% |
| — | +13.7% | +154.1% | +7.0% | +18.2% | -1.1% | -55.2% | +1.1% | -9.6% | -5.4% | -16.1% | -29.0% | -30.3% | -12.4% | +170.6% | +57.6% | +44.7% | +4.4% | -60.2% | -13.2% | +43.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.14 | 0.15 | 0.16 | 0.19 | 0.19 | 0.21 | 0.29 | 0.27 | 0.24 | 0.29 | 0.29 | 0.53 | 0.38 | 0.32 | 0.36 | 0.30 | 0.25 | 0.24 | 0.23 | 0.29 |
| — | -23.9% | -28.2% | -46.5% | -31.3% | -22.0% | -29.3% | +0.5% | -48.4% | -35.8% | -7.3% | -19.9% | +80.1% | +49.7% | +31.2% | +60.3% | +3.0% | -20.3% | -14.4% | -26.9% | -19.3% | |
| Debt / EBITDA | 1.15 | 3.62 | 3.75 | 3.20 | 4.31 | 4.59 | 12.68 | 6.78 | 7.31 | 5.76 | 7.52 | 6.97 | 10.07 | 7.77 | 6.90 | 6.31 | 4.40 | 4.62 | 12.60 | 6.22 | 6.53 |
| — | -21.2% | -70.4% | -52.8% | -41.0% | -20.3% | +68.7% | -2.8% | -27.5% | -25.8% | +8.9% | +10.5% | +129.2% | +68.2% | -45.2% | +1.5% | -32.7% | -28.1% | +92.7% | -10.7% | -38.9% | |
| Current Ratio | 0.18 | 2.93 | 3.51 | 0.18 | 0.18 | 0.17 | 0.17 | 0.21 | 0.31 | 0.27 | 0.31 | 0.32 | 0.33 | 0.34 | 0.36 | 0.36 | 0.34 | 0.36 | 0.35 | 0.41 | 0.39 |
| — | +1583.5% | +2012.0% | -16.0% | -42.0% | -35.4% | -45.5% | -33.7% | -6.7% | -21.7% | -14.5% | -11.7% | -3.6% | -2.9% | +1.8% | -12.5% | -12.1% | -5.1% | +1.3% | +30.0% | +36.1% | |
| Quick Ratio | 0.18 | 2.93 | 3.51 | 0.18 | 0.18 | 0.17 | 0.17 | 0.21 | 0.31 | 0.27 | 0.31 | 0.32 | 0.33 | 0.34 | 0.36 | 0.36 | 0.34 | 0.36 | 0.35 | 0.41 | 0.39 |
| — | +1583.5% | +2012.0% | -16.0% | -42.0% | -35.4% | -45.5% | -33.7% | -6.7% | -21.7% | -14.5% | -11.7% | -3.6% | -2.9% | +1.8% | -12.5% | -12.1% | -5.1% | +1.3% | +30.0% | +36.1% | |
| Interest Coverage | 1.11 | 1.78 | 1.55 | 1.43 | 1.35 | 1.18 | 0.45 | 1.12 | 0.98 | 1.04 | 1.00 | 1.19 | 1.44 | 1.76 | 2.20 | 3.53 | 6.37 | 10.78 | 4.11 | 9.95 | 11.54 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying GABC stock.
German American Bancorp, Inc.'s current P/E is 15.9x. The average P/E over the last 4 quarters is 11.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
German American Bancorp, Inc.'s current operating margin is 28.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking German American Bancorp, Inc.'s business trajectory between earnings reports.