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STOCK COMPARISON

DBS Group Holdings vs German American Bancorp: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and German American Bancorp (GABC) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$77.69 versus a fair value of S$40.48 (-48%), while German American Bancorp trades at $48.62 versus $24.23 (-50%).
DBS Group Holdings
D05.SG · SGD · Financials
-48%
upside to fair value
overvalued
PriceS$77.69
Fair ValueS$40.48
Quality65/100
German American Bancorp
GABC · USD · Financials
-50%
upside to fair value
overvalued
Price$48.62
Fair Value$24.23
Quality45/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

DBS Group HoldingsGerman American Bancorp
Valuation
20.2×P/E (TTM)13.4×
7.73×P/S (TTM)4.84×
2.50×P/B1.54×
n/aEV/EBITDA11.7×
3.44×PEG1.46×
−47.9%Fair value upside−50.2%
3.7%Dividend yield2.5%
S$2.85Dividend per share$1.20
Profitability
60%Operating margin48%
0.99×EBIT margin trend (5Y)0.88×
16%Return on equity12%
1%Return on assets2%
Growth
3%Revenue growth (YoY)42%
11.6%Avg. growth/yr (3Y)20.6%
9.4%Avg. growth/yr (5Y)16.3%
+12.7%Value creation/yr+8.0%
Balance & size
0.6×Interest coverage (EBIT/interest)1.1×
0.69×Debt / equity0.12×
$172BMarket cap$2B
healthyGrowth qualityhealthy

German American Bancorp leads: 5 to 9 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

DBS Group Holdingsof which business quality 61 · market factors 93 German American Bancorpof which business quality 40 · market factors 71
ProfitabilityMargins and returns on capital today
38
34
Quality GrowthAre margins and returns improving?
54
60
CashflowEarnings quality: real cash, not paper profit
84
90
Fin. StrengthBalance sheet, leverage, solvency risk
56
3
InvestmentDisciplined investing over empire-building
78
49
Low VolatilityCalm price path (market factor)
100
89
MomentumPrice trend over the last 3–12 months (market factor)
86
60
52W MomentumDistance to the 52-week high (market factor)
98
70
Net IssuanceShare count: buybacks or dilution?
65
0

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyDBS Group HoldingsPrice S$77.69German American BancorpPrice $48.62
Dividend Discount-35%below the priceS$50.54-68%below the price$15.43
Multiples-46%below the priceS$42.04-15%below the price$41.15
Asset-Based-79%below the priceS$16.26-57%below the price$20.73
Economic Profit-60%below the priceS$31.26-44%below the price$27.45
Minimum-79%below the priceS$16.26-68%below the price$15.43
Maximum-35%below the priceS$50.54-15%below the price$41.15
Median-53%below the priceS$36.65-50%below the price$24.09
Geometric mean-59%below the priceS$32.24-50%below the price$24.52

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

German American Bancorp: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

DBS Group Holdings
Price S$77.69
Fair Value S$40.48
Bear S$29.38Bull S$50.60
German American Bancorp
Price $48.62
Fair Value $24.23
Bear $21.37Bull $31.07

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside-48% · bottom 25%

German American Bancorp · Financials

Quality score45 · bottom 25%
Fair value upside-50% · bottom 25%

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$77.69 versus a fair value of S$40.48 (-48%), while German American Bancorp trades at $48.62 versus $24.23 (-50%).

DBS Group Holdings has the higher quality score (65/100).

Open DBS Group Holdings live analysis →
DBS Group Holdings · German American Bancorp

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.