Symbols / GABC Stock $42.57 -0.88% German American Bancorp, Inc.

Financial Services • Banks - Regional • United States • NMS
GABC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO —
Exch · Country NMS · United States
Market Cap 1.60B
Enterprise Value 1.66B
Income 135.27M
Sales 369.98M
FCF (ttm) —
Book/sh 31.27
Cash/sh 3.41
Employees 984
Insider 10d —
IPO May 21, 1993
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 32.42%
P/E 11.70
Forward P/E 10.68
PEG 1.46
P/S 4.32
P/B 1.36
P/C —
EV/EBITDA —
EV/Sales 4.50
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.64
EPS next Y 3.99
EPS Growth 193.30%
Revenue Growth 42.30%
EPS Gr Q/Q 215.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-27
Earnings (prior) 2026-04-27
ROA 1.61%
ROE 12.18%
ROIC —
Gross Margin 0.00%
Oper. Margin 48.03%
Profit Margin 36.56%
Shs Outstand 37.56M
Shs Float 35.95M
Insider Own 3.19%
Instit Own 52.76%
Short Float 3.17%
Short Ratio 9.33
Short Interest 1.15M
52W High 45.00
vs 52W High -5.40%
52W Low 36.55
vs 52W Low 16.47%
Beta 0.59
Impl. Vol. 27.95%
Rel Volume 0.58
Avg Volume 149.57K
Volume 86.36K
Target (mean) $49.40
Tgt Median $49.00
Tgt Low $47.00
Tgt High $52.00
# Analysts 5
Recom Buy
Prev Close $42.95
Price $42.57
Change -0.88%
About

German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$49.40
Mean price target
2. Current target
$42.57
Latest analyst target
3. DCF / Fair value
$54.60
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$42.57
Low
$47.00
High
$52.00
Mean
$49.40

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $47
2026-04-29 main Stephens & Co. Overweight → Overweight $49
2026-03-20 up Piper Sandler Neutral → Overweight $47
2026-01-29 main Piper Sandler Neutral → Neutral $47
2026-01-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $46
2025-07-31 main Piper Sandler Neutral → Neutral $44
2025-05-01 main Piper Sandler Neutral → Neutral $42
2025-01-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $47
2025-01-29 main Piper Sandler Neutral → Neutral $48
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $46
2024-10-15 init Stephens & Co. — → Overweight $45
2024-08-01 main Piper Sandler Neutral → Neutral $44
2024-07-31 main Raymond James Outperform → Outperform $44
2024-02-01 main Piper Sandler Neutral → Neutral $36
2024-01-31 main Raymond James Outperform → Outperform $39
2024-01-05 up Raymond James Market Perform → Outperform $38
2020-09-29 main Piper Sandler — → Neutral $29
2020-05-08 reit Keefe, Bruyette & Woods — → Market Perform $31
2016-10-06 down Raymond James Outperform → Market Perform —
2016-09-29 down Piper Sandler Buy → Hold —
News
RSS: Latest GABC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-15 SHEIDLER JACK Director — 25 $43.58 $1,100
2026-04-15 BAWEL ZACHARY W. Director — 22 $43.58 $1,000
2026-03-17 RYAN CHRISTINA M Director — 49 $40.84 $2,018
2026-03-17 BAWEL ZACHARY W. Director — 24 $40.48 $1,000
2026-03-04 DAUBY D NEIL Chief Executive Officer — 12,466 $0.00 $0
2026-03-04 JACKSON AMY D Officer — 4,307 $0.00 $0
2026-03-04 SCHULER VICKI L Officer — 684 $0.00 $0
2026-03-04 BECKWITH MICHAEL F Officer — 4,647 $0.00 $0
2026-03-04 ARNETT BRADLEY C Officer — 3,570 $0.00 $0
2026-03-04 RUST BRADLEY M President — 6,800 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
361.44
+68.17%
214.93
-14.27%
250.69
-3.47%
259.72
Operating Revenue
361.44
+68.17%
214.93
-14.27%
250.69
-3.47%
259.72
Selling General And Administration
116.69
+30.96%
89.10
-2.01%
90.93
+0.56%
90.42
Selling And Marketing Expense
5.15
+30.82%
3.94
-18.90%
4.86
+9.99%
4.42
General And Administrative Expense
111.54
+30.97%
85.17
-1.05%
86.07
+0.08%
86.00
Salaries And Wages
107.74
+30.98%
82.26
-1.19%
83.24
-1.07%
84.14
Other Gand A
—
—
—
—
Reconciled Depreciation
18.71
+101.72%
9.28
-2.96%
9.56
-5.50%
10.12
Total Unusual Items
0.00
-100.00%
38.32
0.00
0.00
Total Unusual Items Excluding Goodwill
0.00
-100.00%
38.32
0.00
0.00
Special Income Charges
0.00
-100.00%
38.32
0.00
0.00
Other Special Charges
—
-38.32
—
—
Net Income
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Pretax Income
140.07
+34.55%
104.10
+0.44%
103.65
+4.51%
99.18
Net Interest Income
294.13
+54.33%
190.59
+0.08%
190.43
-5.06%
200.58
Interest Expense
125.96
+25.39%
100.45
+51.69%
66.22
+261.05%
18.34
Interest Income
420.09
+44.34%
291.04
+13.40%
256.66
+17.23%
218.93
Gain On Sale Of Security
0.00
+100.00%
-34.79
-87070.00%
0.04
-92.88%
0.56
Tax Provision
27.43
+35.23%
20.29
+14.24%
17.76
+2.35%
17.35
Tax Rate For Calcs
0.00
+0.57%
0.00
+13.74%
0.00
-2.09%
0.00
Tax Effect Of Unusual Items
0.00
-100.00%
7.47
0.00
0.00
Net Income Including Noncontrolling Interests
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Net Income From Continuing Operation Net Minority Interest
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Net Income From Continuing And Discontinued Operation
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Net Income Continuous Operations
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Normalized Income
112.64
+112.69%
52.96
-38.34%
85.89
+4.97%
81.83
Net Income Common Stockholders
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Diluted EPS
—
2.83
-2.75%
2.91
+4.68%
2.78
Basic EPS
—
2.83
-2.75%
2.91
+4.68%
2.78
Basic Average Shares
—
29.66
+0.33%
29.56
+0.32%
29.46
Diluted Average Shares
—
29.66
+0.33%
29.56
+0.32%
29.46
Diluted NI Availto Com Stockholders
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Amortization
10.15
+399.41%
2.03
-28.45%
2.84
-23.47%
3.71
Amortization Of Intangibles Income Statement
10.15
+399.41%
2.03
-28.45%
2.84
-23.47%
3.71
Depreciation Amortization Depletion Income Statement
10.15
+399.41%
2.03
-28.45%
2.84
-23.47%
3.71
Depreciation And Amortization In Income Statement
10.15
+399.41%
2.03
-28.45%
2.84
-23.47%
3.71
Insurance And Claims
3.80
+30.67%
2.91
+2.79%
2.83
+52.10%
1.86
Occupancy And Equipment
19.63
+31.38%
14.94
+3.30%
14.47
-3.04%
14.92
Other Non Interest Expense
45.05
+40.14%
32.15
+4.77%
30.68
-21.00%
38.84
Professional Expense And Contract Services Expense
10.42
+27.88%
8.15
+46.13%
5.58
-11.44%
6.29
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
8,388.78
+33.24%
6,295.91
+2.34%
6,152.20
-0.06%
6,155.99
Cash And Cash Equivalents
71.93
+3.12%
69.75
-12.05%
79.31
+4.38%
75.98
Other Short Term Investments
1,162.15
-23.41%
1,517.29
-4.98%
1,596.83
-9.36%
1,761.67
Receivables
—
—
—
123.97
Accounts Receivable
—
—
—
123.97
Net PPE
139.00
+33.60%
104.05
-2.56%
106.78
-4.87%
112.24
Gross PPE
228.05
+24.33%
183.43
+2.19%
179.50
-2.31%
183.75
Accumulated Depreciation
-89.05
-12.18%
-79.39
-9.17%
-72.72
-1.69%
-71.51
Land And Improvements
37.33
+38.13%
27.03
-0.27%
27.10
-1.10%
27.40
Buildings And Improvements
137.41
+27.17%
108.06
+1.32%
106.65
-2.77%
109.68
Machinery Furniture Equipment
53.31
+10.27%
48.35
+5.68%
45.75
-1.96%
46.66
Goodwill And Other Intangible Assets
409.26
+123.59%
183.04
-1.94%
186.66
-1.64%
189.78
Goodwill
375.47
+109.73%
179.03
-0.74%
180.36
+0.00%
180.36
Other Intangible Assets
33.79
+740.97%
4.02
-36.29%
6.31
-33.09%
9.43
Investments And Advances
1,657.75
+9.23%
1,517.64
-4.98%
1,597.18
-9.35%
1,762.02
Total Liabilities Net Minority Interest
7,226.45
+29.49%
5,580.84
+1.68%
5,488.64
-1.95%
5,597.60
Payables And Accrued Expenses
—
—
—
43.74
Payables
—
—
—
43.74
Accounts Payable
—
—
—
43.74
Current Debt And Capital Lease Obligation
0.00
0.00
0.00
-100.00%
25.00
Current Debt
0.00
0.00
0.00
-100.00%
25.00
Other Current Borrowings
0.00
0.00
0.00
-100.00%
25.00
Long Term Debt And Capital Lease Obligation
138.83
-9.42%
153.27
+19.77%
127.97
+24.67%
102.64
Long Term Debt
136.69
-9.39%
150.87
+20.38%
125.33
+25.59%
99.79
Long Term Capital Lease Obligation
2.14
-11.07%
2.40
-9.05%
2.64
-7.53%
2.86
Stockholders Equity
1,162.33
+62.55%
715.07
+7.76%
663.56
+18.83%
558.39
Common Stock Equity
1,162.33
+62.55%
715.07
+7.76%
663.56
+18.83%
558.39
Capital Stock
37.50
+26.35%
29.68
+0.31%
29.59
+0.31%
29.49
Common Stock
37.50
+26.35%
29.68
+0.31%
29.59
+0.31%
29.49
Share Issued
37.50
+26.35%
29.68
+0.31%
29.58
+0.31%
29.49
Ordinary Shares Number
37.50
+26.35%
29.68
+0.31%
29.58
+0.31%
29.49
Additional Paid In Capital
706.82
+80.19%
392.27
+0.73%
389.41
+0.58%
387.17
Retained Earnings
582.95
+13.50%
513.59
+11.26%
461.62
+13.93%
405.17
Gains Losses Not Affecting Retained Earnings
-164.93
+25.19%
-220.46
-1.57%
-217.06
+17.60%
-263.44
Other Equity Adjustments
-164.93
+25.19%
-220.46
-1.57%
-217.06
+17.60%
-263.44
Total Equity Gross Minority Interest
1,162.33
+62.55%
715.07
+7.76%
663.56
+18.83%
558.39
Total Capitalization
1,299.02
+50.01%
865.93
+9.77%
788.88
+19.86%
658.18
Invested Capital
1,299.02
+50.01%
865.93
+9.77%
788.88
+15.47%
683.18
Total Debt
138.83
-9.42%
153.27
+19.77%
127.97
+0.25%
127.64
Net Debt
64.77
-20.16%
81.12
+76.26%
46.02
-5.72%
48.81
Capital Lease Obligations
2.14
-11.07%
2.40
-9.05%
2.64
-7.53%
2.86
Net Tangible Assets
753.07
+41.55%
532.02
+11.56%
476.89
+29.38%
368.61
Tangible Book Value
753.07
+41.55%
532.02
+11.56%
476.89
+29.38%
368.61
Available For Sale Securities
495.60
+140295.47%
0.35
+0.00%
0.35
+0.00%
0.35
Cash Cash Equivalents And Federal Funds Sold
118.88
-37.20%
189.29
+63.42%
115.83
-1.74%
117.88
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
159.32
+66.36%
95.76
-10.70%
107.23
-2.55%
110.04
Cash Flow From Continuing Operating Activities
159.32
+66.36%
95.76
-10.70%
107.23
-2.55%
110.04
Net Income From Continuing Operations
112.64
+34.39%
83.81
-2.42%
85.89
+4.97%
81.83
Depreciation Amortization Depletion
18.71
+101.72%
9.28
-2.96%
9.56
-5.50%
10.12
Depreciation And Amortization
18.71
+101.72%
9.28
-2.96%
9.56
-5.50%
10.12
Other Non Cash Items
2.97
+453.52%
-0.84
-121.97%
3.82
-43.79%
6.79
Pension And Employee Benefit Expense
—
0.00
0.00
-100.00%
0.05
Stock Based Compensation
2.87
-2.48%
2.95
+26.37%
2.33
+0.09%
2.33
Operating Gains Losses
-5.28
-10.94%
-4.76
-57.01%
-3.03
+30.48%
-4.36
Gain Loss On Investment Securities
0.00
-100.00%
34.79
+87070.00%
-0.04
+92.88%
-0.56
Gain Loss On Sale Of PPE
-0.08
-836.36%
0.01
+101.75%
-0.63
-1602.70%
-0.04
Change In Working Capital
9.67
+2354.31%
0.39
-28.62%
0.55
+3.76%
0.53
Change In Receivables
7.39
+322.88%
1.75
-53.07%
3.73
+440.49%
-1.09
Changes In Account Receivables
7.39
+322.88%
1.75
-53.07%
3.73
+440.49%
-1.09
Change In Payables And Accrued Expense
2.28
+268.24%
-1.35
+57.33%
-3.17
-295.14%
1.63
Change In Payable
2.28
+268.24%
-1.35
+57.33%
-3.17
-295.14%
1.63
Change In Account Payable
2.28
+268.24%
-1.35
+57.33%
-3.17
-295.14%
1.63
Investing Cash Flow
-60.27
+26.86%
-82.40
-402.33%
27.25
+212.71%
-24.18
Cash Flow From Continuing Investing Activities
-60.27
+26.86%
-82.40
-402.33%
27.25
+212.71%
-24.18
Net PPE Purchase And Sale
-5.24
-3.82%
-5.05
-138.29%
-2.12
+73.03%
-7.85
Purchase Of PPE
-5.32
-5.31%
-5.05
+12.15%
-5.75
+26.83%
-7.85
Sale Of PPE
0.07
0.00
-100.00%
3.63
0.00
Capital Expenditure
-5.32
-5.31%
-5.05
+12.15%
-5.75
+26.83%
-7.85
Capital Expenditure Reported
—
—
—
-7.85
Net Investment Purchase And Sale
152.35
+298.10%
38.27
-82.45%
218.04
+269.30%
-128.79
Purchase Of Investment
-620.32
+14.12%
-722.30
-294.05%
-183.30
+56.14%
-417.94
Sale Of Investment
772.67
+1.59%
760.57
+89.51%
401.34
+38.80%
289.15
Net Business Purchase And Sale
22.66
0.00
0.00
-100.00%
207.76
Purchase Of Business
—
0.00
0.00
—
Net Other Investing Changes
3.74
-90.72%
40.33
+8706.55%
0.46
-94.88%
8.95
Financing Cash Flow
-169.46
-381.96%
60.10
+144.01%
-136.54
+62.45%
-363.67
Cash Flow From Continuing Financing Activities
-169.46
-381.96%
60.10
+144.01%
-136.54
+62.45%
-363.67
Net Issuance Payments Of Debt
-56.41
-458.46%
15.74
+252.43%
-10.32
+13.04%
-11.87
Issuance Of Debt
25.00
-66.67%
75.00
+200.00%
25.00
0.00
Repayment Of Debt
-64.48
-28.55%
-50.16
-37897.73%
-0.13
+99.68%
-41.69
Long Term Debt Issuance
25.00
-66.67%
75.00
+200.00%
25.00
0.00
Long Term Debt Payments
-64.48
-28.55%
-50.16
-37897.73%
-0.13
+99.68%
-41.69
Net Long Term Debt Issuance
-39.48
-258.91%
24.84
-0.10%
24.87
+159.65%
-41.69
Net Short Term Debt Issuance
-16.94
-86.02%
-9.11
+74.13%
-35.19
-218.03%
29.82
Net Common Stock Issuance
—
—
0.00
0.00
Common Stock Dividend Paid
-43.28
-35.90%
-31.84
-8.19%
-29.43
-8.92%
-27.02
Cash Dividends Paid
-43.28
-35.90%
-31.84
-8.19%
-29.43
-8.92%
-27.02
Changes In Cash
-70.41
-195.85%
73.46
+3681.76%
-2.05
+99.26%
-277.81
Beginning Cash Position
188.79
+63.70%
115.33
-1.75%
117.38
-70.30%
395.19
End Cash Position
118.38
-37.30%
188.79
+63.70%
115.33
-1.75%
117.38
Free Cash Flow
154.00
+69.76%
90.72
-10.61%
101.49
-0.68%
102.18
Interest Paid Supplemental Data
124.18
+25.36%
99.06
+63.29%
60.66
+247.80%
17.44
Income Tax Paid Supplemental Data
18.93
+6.18%
17.82
+15.92%
15.38
+31.99%
11.65
Amortization Of Securities
-1.69
-177.97%
2.16
-61.17%
5.57
-13.73%
6.45
Excess Tax Benefit From Stock Based Compensation
—
—
—
0.00
Sale Of Business
22.66
0.00
0.00
-100.00%
207.76
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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