German American Bancorp, Inc.

German American Bancorp, Inc.

GABC
German American Bancorp, Inc.US flagNASDAQ Global Select
43.94
USD
+1.26
- -
1.65BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.8
4.96
5.18
5.67
5.75
6.49
7.39
7.9
8.3
8.81
8.48
7.25
9.82
10.03
Basic EPS, GAAP
1.33
1.43
1.51
1.57
1.77
1.99
2.29
2.34
3.17
2.78
2.91
2.83
3.06
3.61
Free Cash Flow per Basic Share
1.91
1.69
1.49
1.64
1.91
2.02
2.16
3.22
3.62
3.47
3.43
3.06
4.19
4.09
Dividend per Share
0.4
0.43
0.45
0.47
0.52
0.6
0.68
0.76
0.84
0.92
1
1.07
1.18
1.17
Book Value per Share
5.08
5.92
6.96
7.37
8.81
10.11
10.83
11.87
14.2
14.75
16.62
18.32
16.86
17.12
Tangible Book Value per Share
9.19
10.41
11.59
12.21
13.45
14.76
17.03
18.61
20.38
12.51
16.13
17.94
20.47
20.48
Basic Weighted Avg Shares
19
20
20
22
23
23
26
27
27
29
30
30
37
37
Sales/Revenue/Turnover
92
98
103
127
132
152
191
210
220
260
251
215
361
376
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4
5
4
4
5
6
9
9
9
10
10
9
19
20
Net Income, GAAP
25
28
30
35
41
47
59
62
84
82
86
84
113
135
Effective Tax Rate (%)
31.09
29.86
27.85
28.39
22.09
17
16.87
17.1
18.14
17.5
17.13
19.49
19.59
19.7
Profit Margin (%)
27.58
28.84
29.19
27.72
30.87
30.68
31.05
29.66
38.19
31.51
34.26
38.99
31.16
35.97
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
87
65
96
121
142
127
182
142
84
103
128
153
139
139
Total Equity
200
229
252
330
365
459
574
625
668
558
664
715
1,162
1,175
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
28.81
26.41
23.52
23.2
22.18
21.23
22.95
20.92
24.32
20.16
18.55
16.2
19.36
22.68

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
178
137
139
LT Finance Leases
- -
2
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
37
37
38
Market Capitalization
1,368
1,441
1,567

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,250
1,234
1,258
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.07%
15.93%
62.55%
Free Cash Flow
19.94%
15.48%
69.76%
Net Income, GAAP
14.88%
13.89%
34.39%
Sales/Revenue/Turnover
15.12%
14.67%
68.17%
Total Cash Common Dividend
17.26%
16.99%
35.9%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
61
27
62
65
215
2025
81
90
94
96
361
2026
96
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.64
0.69
0.71
0.78
2.83
2025
0.3
0.84
0.94
0.95
3.06
2026
0.88
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.27
0.27
0.27
0.27
1.07
2025
0.31
0.29
0.29
0.29
1.18
2026
0.31
- -
- -
- -
- -

Company Description

APIChat
CEO
D. Neil Dauby
Full Time Employees
1,020
Sector
Financial Services
Industry
Banks - Regional
Address
711 Main Street Jasper IN United States of America 47546
IPO Date
May 21, 1993
Business
German American Bancorp, Inc. (Nasdaq: GABC) operates as a financial holding company for German American Bank, which provides retail and commercial banking, wealth management, trust, investment advisory, brokerage, retirement planning, and insurance services to individuals, businesses, and agricultural clients. The core banking segment offers deposit products including checking, savings, and certificates of deposit; consumer loans; commercial and agricultural loans; commercial and agricultural real estate loans; residential mortgage loans sold into the secondary market; home equity lines of credit; and digital banking solutions such as online account access, mobile check deposit, bill payment, fund transfers, and cardless ATM withdrawals. The wealth management segment delivers trust administration, financial planning, and investment advisory services, while the insurance operations segment supplies personal and corporate property and casualty insurance products; these services operate through 94 offices across central and southern Indiana, northern, central, and western Kentucky, and central and southwest Ohio, with Heartland Bank serving as a division in the Columbus and Greater Cincinnati markets. Founded in 1910 and headquartered in Jasper, Indiana, the company maintains a community-focused model with local decision-making, emphasizing relationship-based banking for small-to-medium enterprises, agricultural sectors, and general public customers in the Midwest region. In a major strategic expansion, German American Bancorp completed its merger with Heartland BancCorp and Heartland Bank effective February 1, 2025, following shareholder approval in November 2024 and final regulatory clearance; this transaction, first announced July 29, 2024, enhances its footprint in the fast-growing Columbus and Cincinnati, Ohio markets and supports earnings accretion while preserving capital strength. The first quarter of 2025 results incorporated merger-related costs of $5.9 million and provisions for the acquired portfolio, reflecting ongoing integration efforts. These developments position the $8.3 billion-asset company for sustained growth in regional community banking.

Company News

APIChat
  • German American Bank Awarded Raymond James Community Bankers Cup for 2025 Performance

  • German American Bank Awarded Raymond James Community Bankers Cup for 2025 Performance

  • Compared to Estimates, German American Bancorp (GABC) Q1 Earnings: A Look at Key Metrics

  • German American Bancorp (GABC) Q1 Earnings Miss Estimates

  • German American Bancorp, Inc. (GABC) Announces First Quarter Financial Results

  • German American Bancorp, Inc. (GABC) Shareholder/Analyst Call Prepared Remarks Transcript

  • German American Bancorp (GABC) Earnings Expected to Grow: Should You Buy?

  • Deprince Race & Zollo Inc. Grows Stock Position in German American Bancorp, Inc. $GABC

  • Neil Dauby Elected to the Board of Directors of the Federal Reserve Bank of St. Louis

  • German American Bancorp (GABC) Could Be a Great Choice

  • S & P Global Market Intelligence Ranks German American Bank as a Top Community Bank in the Nation

  • Are You Looking for a High-Growth Dividend Stock?

  • Why German American Bancorp (GABC) is a Great Dividend Stock Right Now

  • Why German American Bancorp (GABC) is a Top Dividend Stock for Your Portfolio

  • Reviewing German American Bancorp (NASDAQ:GABC) & First Financial Corporation Indiana (NASDAQ:THFF)

  • German American Bancorp: Decent Earnings, But A Bit Too Expensive For Me

  • Compared to Estimates, German American Bancorp (GABC) Q4 Earnings: A Look at Key Metrics

  • German American Bancorp (GABC) Surpasses Q4 Earnings and Revenue Estimates

  • German American Bancorp, Inc. (GABC) Reports Record Fourth Quarter and Strong Annual 2025 Earnings; Declares 7% Cash Dividend Increase

  • German American Bank Receives Newsweek Recognition as America's Best Regional Banks