City Holding Company (CHCO) vs German American Bancorp, Inc. (GABC)
A side-by-side comparison of City Holding Company and German American Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CHCO vs GABC
growth of $100 · dividends reinvested · last 10yCHCO vs GABC: by the numbers
- •CHCO is the larger company ($2.00B vs $1.85B market cap).
- •GABC trades at the lower trailing earnings multiple (13.03 vs 15.49 P/E), one valuation lens rather than an overall verdict.
- •CHCO converts more revenue to profit (34.71% vs 28.24% net margin).
- •GABC grew revenue faster over the past five years (17.15% vs 10.58% CAGR).
- •GABC pays the higher dividend yield (2.48% vs 2.45%).
Metrics side by side
Valuation
| Metric | CHCO | GABC |
|---|---|---|
| P/E ratio | 15.49 | 13.03 |
| Forward P/E | 15.26 | 12.59 |
| PEG ratio | 1.55 | 2.36 |
| P/S ratio | 5.26 | 3.69 |
| P/B ratio | 2.47 | 1.53 |
Profitability
| Metric | CHCO | GABC |
|---|---|---|
| Operating margin | 38.00% | 35.26% |
| Net margin | 34.71% | 28.24% |
| ROE | 16.29% | 11.73% |
City Holding Company: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
German American Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CHCO | GABC |
|---|---|---|
| Dividend yield | 2.45% | 2.48% |
| Payout ratio | 38.07% | 32.19% |
Growth (annualized)
| Metric | CHCO | GABC |
|---|---|---|
| Revenue CAGR (5Y) | 10.58% | 17.15% |
| EPS CAGR (5Y) | 10.01% | 5.51% |
| Total return CAGR (5Y) | 15.78% | 7.58% |
Frequently asked
- Which has the lower trailing P/E, CHCO or GABC?
- GABC has the lower trailing P/E: CHCO trades at 15.49 and GABC at 13.03. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CHCO or GABC?
- Over the past five years, GABC grew revenue faster — CHCO at a 10.58% CAGR versus GABC at 17.15%.
- Does CHCO or GABC pay a bigger dividend?
- CHCO yields 2.45% and GABC yields 2.48% based on trailing dividends and the latest price.
- Is CHCO or GABC more profitable?
- CHCO runs the higher net margin — CHCO at 34.71% versus GABC at 28.24%.
- How have CHCO and GABC total returns compared?
- Over the past 10 years, CHCO delivered 14.17% and GABC delivered 9.28% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
City & German American Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.