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German American Bancorp(NASDAQ) GABC

Market Cap$1.88BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+2,653%
5 Year+51%
1 Year+22%
1 Month-2%
Premium Feature
Moneyball Superscore
72/100
$49.92
+0.73%
+0.36Today
After hours$49.93+$0.01 (+0.02%)
German American Bancorp last closing stock price
MetricPriceDate
Last closeUSD 49.922026-08-28
German American Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.04%USD 49.902026-08-21
1 month-2.11%USD 51.002026-07-29
3 month+14.89%USD 43.452026-05-29
Year to date+30.02%USD 38.392025-12-31
1 year+22.3%USD 40.822025-08-28
3 year+92.55%USD 25.932023-08-29
5 year+51.03%USD 33.052021-08-27
Since inception+2,653.43%USD 1.811993-05-18

German American Bancorp Financials at a Glance

Market Cap

$1.88BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$503.04M

Net Income (TTM)

$142.08M

EPS (TTM)

$3.79

P/E Ratio

13.18

Dividend

$1.22

Beta (Volatility)

0.61 (Low)

Price

$49.92

Volume

103,425.755

Open

$49.50

Previous Close

$49.92

Daily Range

$49.50 - $50.08

52-Week Range

$37.19 - $52.23

Estimated Earnings Date

Oct 26, 2026

GABC News

SellAlert-Blue.png

A small fund exited German American Bancorp. Other moves tell a bigger story

Seena HassounaApr 30, 2026
Generic Bank Getty

Loan Deferrals at Banks Continue to Decline

Bram BerkowitzSep 13, 2020

GABC: Motley Fool Moneyball Superscore

72

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About German American Bancorp

German American Bancorp, Inc. helps people and businesses manage their money. The company provides bank accounts, insurance, and investment planning. These services meet the needs of families and local companies.

Banking, Insurance, and Investing

  • Core Banking: Accepting deposits and providing loans for homes, farms, and businesses.
  • Wealth Management: Trust administration, investment advisory, and retirement planning for individuals.
  • Insurance Operations: Property and casualty insurance products for personal and corporate clients.

Expanding Into New Markets

  • Acquired Heartland BancCorp on Feb. 1, 2025, to expand operations into Ohio.
  • Added 20 retail banking offices in Columbus and Greater Cincinnati through the merger.
  • Issued 7.74 million shares and paid $23.1 million to complete the transaction.
  • Rebranded Ohio operations as Heartland Bank, a Division of German American Bank.

Regional Focus and Diversified Lending

The bank operates 93 offices across Indiana, Kentucky, and Ohio to serve regional communities. It maintains a diverse loan portfolio covering industries like healthcare, lodging, and manufacturing.

Strong Returns and Capital Growth

  • Net income was $38.2 million in the quarter ended June 30, 2026, up 21% on a per share basis year over year.
  • Total loans reached $5.9 billion at June 30, 2026, increasing $57 million from the end of 2025.
  • Net interest margin improved to 4.3% for the quarter ended June 30, 2026.
  • Shareholders' equity grew to $1.2 billion by June 30, 2026, compared with $1.16 billion at year-end 2025.

Bottom Line

German American has grown from a local Indiana bank into a multi-state financial institution. The company uses acquisitions and diversified services to build steady regional growth.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

984

CEO

D. Neil Dauby, CPA

Website

www.germanamerican.com

Headquarters

Jasper, IN 47546, US

GABC Financials

Key Financial Metrics (TTM)

Gross Margin

75.49%

Operating Margin

35.26%

Net Income Margin

28.24%

Return on Equity

12.17%

Return on Capital

10.41%

Return on Assets

1.68%

Earnings Yield

7.59%

Dividend Yield

2.44%

Payout Ratio

31.54%

Stock Overview

Market Cap

$1.88BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

37.58M

Volume

103.43K

Avg. Volume

170.43K

Financials (TTM)

Gross Profit

$379.75M

Operating Income

$177.35M

EBITDA

$200.62M

Operating Cash Flow

$189.63M

Capital Expenditure

-$7.23M

Free Cash Flow

$182.40M

Cash & ST Invst.

$94.16M

Total Debt

$174.12M

German American Bancorp Performance Analysis

German American Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 277,656,00021.4%
20232023-12-31USD 316,573,00014.0%
20242024-12-31USD 353,052,00011.5%
20252025-12-31USD 487,094,00038.0%
German American Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.7%
Q42025-12-310.1%
Q12026-03-31-2.9%
Q22026-06-303.2%
German American Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.78-12.4%
20232023-12-31USD 2.914.6%
20242024-12-31USD 2.83-2.7%
20252025-12-31USD 3.068.3%
German American Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-309.3%
Q42025-12-311.1%
Q12026-03-31-7.4%
Q22026-06-3015.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$126.93M

+3.1%

Gross Profit

$98.45M

+11.0%

Gross Margin

77.57%

N/A

Market Cap

$1.88BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.91M

N/A

Employees

984

N/A

Net Income

$38.17M

+21.7%

EBITDA

$48.07M

+9.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$94.16M

-92.3%

Total Debt

$174.12M

-13.8%

Accounts Receivable

$38.05M

N/A

Inventory

$0.00

N/A

Long Term Debt

$142.02M

-20.5%

Short Term Debt

$32.09M

+37.8%

Return on Assets

1.68%

N/A

Return on Invested Capital

2.11%

N/A

Free Cash Flow

$55.26M

+111.2%

Operating Cash Flow

$58.11M

+115.9%

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Questions About GABC

What is the current price of German American Bancorp?

German American Bancorp is trading at $49.92 per share.

What is the 52-week range for German American Bancorp?

Over the past 52 weeks, German American Bancorp has traded between $37.19 and $52.23.

How much debt does German American Bancorp have?

As of the most recent reporting period, German American Bancorp reported total debt of $174.12M.

How much cash does German American Bancorp have on hand?

German American Bancorp does not have cash on hand data available.

What is German American Bancorp’s dividend yield?

German American Bancorp currently has a dividend yield of 2.44%.

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