German American Bancorp, Inc. GABC R2K
Financial Services · Banks - Regional · United States
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.
READ MORE ›$43.72
+17.76% 1Y
Market & Price
Market Cap
$1.64B
Current Price
$43.72
High / Low (52W)
$44.12 / $35.75
Beta
0.59
Valuation
Stock P/E
12.01
Industry PE
12.01
Forward P/E
10.97
PEG Ratio
1.46
Book Value
$31.27
Price to Book
1.40
P/S
4.44
EV/EBITDA
-
Dividend Yield
2.74%
Profitability & Returns
ROCE
-
ROE
12.18%
ROA
1.61%
Profit Margin
36.56%
Op Margin
48.03%
EPS (Latest Qtr)
$0.88
EPS (TTM)
$3.64
Balance Sheet & Liquidity
Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$178.52M
Total Assets
$8.39B
Current Assets
-
Working Capital
-
Ownership
Promoter Holding
3.19%
Chg in Prom Hold
-
FII / Inst Holding
53.80%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$1.69B
Total Revenue (TTM)
$369.98M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$158.43M
Shares Outstanding
37.56M
Gross Margin
0.00%
Payout Ratio
32.42%
Growth (CAGR)
Revenue 5Y
11.65%
Profit 5Y
11.24%
Revenue (YoY)
42.30%
Earnings (YoY)
193.30%
PROS
- Excellent profit margin of 36.6%.
- Compounding revenue at 11.6% over 5 years.
- Profit CAGR of 11.2% over 5 years.
- Attractive dividend yield of 2.74%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | GABC German American Bancorp, Inc. R2K | 43.72 | 12.01 | $1.64B | 2.74% | - | 12.18% | 11.65% | 11.24% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Ad space
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 8.68M | 9.29M | - | 10.50M | 8.09M | 9.17M | - | 10.82M | 10.58M | 10.81M | - | - | - | - | - | - | - | - | - | - | 81.41M | 89.89M | 94.15M | 95.99M | 96.08M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 29.64M | 33.28M | 32.37M | 30.66M | 26.86M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.33M | 39.17M | 43.75M | 43.81M | 41.71M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.81M | 7.81M | 8.68M | 8.13M | 8.56M |
| Net Income | 7.72M | 7.71M | 5.15M | 9.79M | 10.19M | 10.06M | 9.56M | 9.84M | 9.66M | 11.62M | 11.81M | 11.10M | 12.64M | 10.98M | 15.07M | 15.27M | 13.06M | 15.82M | 12.47M | 14.26M | 14.59M | 20.89M | 19.56M | 23.82M | 21.49M | 9.07M | 23.75M | 24.60M | 20.81M | 22.12M | 21.45M | 19.02M | 20.53M | - | - | 10.52M | 31.36M | 35.07M | 35.68M | 33.15M |
| Diluted EPS | 0.58 | 0.58 | 0.25 | 0.43 | 0.45 | 0.44 | 0.42 | 0.43 | 0.42 | 0.51 | 0.51 | 0.48 | 0.55 | 0.44 | 0.60 | 0.61 | 0.49 | 0.59 | 0.47 | 0.54 | 0.55 | 0.79 | 0.74 | 0.90 | 0.81 | 0.31 | 0.81 | 0.83 | 0.71 | 0.75 | 0.73 | 0.64 | 0.69 | - | - | 0.30 | 0.84 | 0.94 | 0.95 | 0.88 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | 259.72M | 250.69M | 214.93M | 361.44M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 18.34M | 66.22M | 100.45M | 125.96M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 99.18M | 103.65M | 104.10M | 140.07M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.35M | 17.76M | 20.29M | 27.43M |
| Net Income | 12.22M | 13.40M | 20.25M | 24.05M | 25.41M | 28.34M | 30.06M | 35.18M | 40.68M | 46.53M | 59.22M | 62.21M | - | 81.83M | 85.89M | 83.81M | 112.64M |
| Diluted EPS | 1.10 | 1.21 | 1.61 | 1.90 | 1.98 | 2.14 | 1.51 | 1.57 | 1.77 | 1.99 | 2.29 | 2.34 | - | 2.78 | 2.91 | 2.83 | 3.06 |
Compounded Sales Growth
| 5 Years: | 11.65% |
| 1 Year: | 42.30% |
Compounded Profit Growth
| 5 Years: | 11.24% |
| 1 Year: | 193.30% |
Stock Price Performance
| 1 Year: | +17.76% |
| 6 Months: | +10.22% |
| 3 Months: | +6.51% |
| 1 Month: | +2.30% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.38B | 1.87B | 2.01B | 2.16B | 2.24B | 2.37B | 2.96B | 3.14B | 3.93B | 4.40B | 4.98B | - | 6.16B | 6.15B | 6.30B | 8.39B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 75.98M | 79.31M | 69.75M | 71.93M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | 43.52M | 123.97M | - | - | - |
| Total Liabilities | - | - | 1.25B | 1.71B | 1.82B | 1.96B | 2.01B | 2.12B | 2.63B | 2.78B | 3.47B | 3.82B | 4.35B | - | 5.60B | 5.49B | 5.58B | 7.23B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | 90.97M | 89.47M | 87.24M | 64.59M | 95.61M | 120.56M | 141.72M | 126.64M | 181.95M | 141.62M | - | 99.79M | 125.33M | 150.87M | 136.69M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 127.64M | 127.97M | 153.27M | 138.83M |
| Total Equity | 105.17M | 113.55M | 121.53M | 167.61M | 185.03M | 200.10M | 228.82M | 252.35M | 330.27M | 364.57M | 458.64M | 573.82M | 624.71M | - | 558.39M | 663.56M | 715.07M | 1.16B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 29.49M | 29.58M | 29.68M | 37.50M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 10.43M | 17.23M | 26.62M | 42.00M | - | - | - | - | 54.88M | 62.33M | 65.23M | 92.42M | - | 110.04M | 107.23M | 95.76M | 159.32M |
| Investing Cash Flow | -65.57M | -93.04M | -104.95M | -161.66M | - | - | - | - | -189.28M | -38.80M | 30.66M | -346.08M | - | -24.18M | 27.25M | -82.40M | -60.27M |
| Financing Cash Flow | 38.21M | 67.03M | 120.16M | 107.65M | - | - | - | - | 139.95M | 2.66M | -88.56M | 495.52M | - | -363.67M | -136.54M | 60.10M | -169.46M |
| Capital Expenditure | -2.64M | -1.98M | -3.96M | -3.62M | -3.66M | -3.05M | -1.61M | -5.23M | -11.18M | -15.19M | -9.37M | -7.07M | - | -7.85M | -5.75M | -5.05M | -5.32M |
| Free Cash Flow | 7.79M | 15.25M | 22.65M | 38.38M | - | - | - | - | 43.69M | 47.15M | 55.85M | 85.35M | - | 102.18M | 101.49M | 90.72M | 154.00M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | -277.81M | -2.05M | 73.46M | -70.41M |
| Dividends Paid | 6.20M | 6.21M | 7.05M | 7.07M | 7.67M | 8.45M | 9.01M | 10.63M | 11.84M | 14.07M | 17.56M | 20.14M | 22.22M | 27.02M | 29.43M | 31.84M | 43.28M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | 31.5% | 34.3% | 39.0% | 31.2% |
| ROE % | 10.8% | 11.0% | 12.1% | 13.0% | 12.7% | 12.4% | 11.9% | 10.7% | 11.2% | 10.1% | 10.3% | 10.0% | - | 14.7% | 12.9% | 11.7% | 9.7% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Insiders
3.19%
Institutions
53.80%
Public Float
55.58%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.20% | 2.71M | $118.33M |
| 2 | Franklin Resources, Inc. | 5.01% | 1.88M | $82.22M |
| 3 | Vanguard Capital Management LLC | 4.05% | 1.52M | $66.59M |
| 4 | Dimensional Fund Advisors LP | 3.25% | 1.22M | $53.34M |
| 5 | Charles Schwab Investment Management, Inc. | 3.07% | 1.15M | $50.40M |
| 6 | German American Bancorp, Inc. | 2.57% | 966.87K | $42.27M |
| 7 | Geode Capital Management, LLC | 2.50% | 939.96K | $41.09M |
| 8 | State Street Corporation | 2.45% | 919.06K | $40.18M |
| 9 | Champlain Investment Partners, LLC | 1.67% | 626.45K | $27.39M |
| 10 | Royce & Associates LP | 1.46% | 548.45K | $23.98M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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