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German American Bancorp, Inc. logo

German American Bancorp, Inc.

GABC

NASDAQFinancial ServicesBanks - Regional

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Previous close

$49.90

−$0.04 · -0.08%

Aug 21, 4:00 PM ET

GABC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

54

Neutral

Sentiment

68

Bullish

Risk resilience

79

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

German American Bancorp, Inc. functions as the parent entity for German American Bank, offering a comprehensive suite of retail and commercial banking services. The company's operations are divided into three core segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment's primary activities include accepting deposits from the public and originating diverse loan types, such as consumer, commercial, agricultural, commercial and agricultural real estate, and residential mortgage loans; it also facilitates the sale of residential mortgage loans on the secondary market. Through its Wealth Management segment, the company delivers trust administration, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment is responsible for providing various personal and corporate property and casualty insurance products. By the end of 2021, the company operated 77 banking branches spanning 19 adjacent counties in southern Indiana, in addition to 14 counties in Kentucky. Founded in 1910, German American Bancorp, Inc. is headquartered in Jasper, Indiana.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
D. Neil Dauby
Listed since
May 21, 1993
Employees
984

Market position

Day range

Current $49.90

52-week range

Current $49.90

Open
$50.375
Previous close
$49.94
Volume
133.73K
0.88× average
Average volume
152.4K
Average daily volume
Market cap
1.87B USD
Beta
0.58
Market reference 1
50-day average
$48.4366
+3.02% above average
200-day average
$43.3268
+15.17% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.55B USD
P/E (TTM)
13.17×
P/B (TTM)
1.55×
P/S (TTM)
3.73×
EV / EBITDA
9.78×
Earnings yield
7.81%
Free cash flow yield
10.68%
Dividend yield
2.44%

Profitability & efficiency

Gross margin
75.49%
Operating margin
35.26%
Net margin
28.24%
Return on equity
9.69%
Return on assets
1.34%
Return on invested capital
8.05%

Financial health

Debt / equity
0.14×
Current ratio
0.18×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%76%46%16%Gross margin, FY2021: 98.67%Gross margin, FY2022: 91.12%Gross margin, FY2023: 78.30%Gross margin, FY2024: 67.27%Gross margin, FY2025: 70.17%Operating margin, FY2021: 44.72%Operating margin, FY2022: 35.67%Operating margin, FY2023: 32.70%Operating margin, FY2024: 33.01%Operating margin, FY2025: 28.74%Net margin, FY2021: 36.61%Net margin, FY2022: 29.43%Net margin, FY2023: 27.10%Net margin, FY2024: 26.57%Net margin, FY2025: 23.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 98.67%. Gross margin FY2022 91.12%. Gross margin FY2023 78.30%. Gross margin FY2024 67.27%. Gross margin FY2025 70.17%. Operating margin FY2021 44.72%. Operating margin FY2022 35.67%. Operating margin FY2023 32.70%. Operating margin FY2024 33.01%. Operating margin FY2025 28.74%. Net margin FY2021 36.61%. Net margin FY2022 29.43%. Net margin FY2023 27.10%. Net margin FY2024 26.57%. Net margin FY2025 23.11%.

Income trends

Revenue

487.4M USD+54.54%

Operating income

140.07M USD+34.55%

Net income

112.64M USD+34.39%
Income trends across reported periods527.96M USD365.73M USD203.5M USD41.27M USDRevenue, FY2021: 229.84M USDRevenue, FY2022: 278.06M USDRevenue, FY2023: 316.92M USDRevenue, FY2024: 315.38M USDRevenue, FY2025: 487.4M USDOperating income, FY2021: 102.79M USDOperating income, FY2022: 99.18M USDOperating income, FY2023: 103.65M USDOperating income, FY2024: 104.1M USDOperating income, FY2025: 140.07M USDNet income, FY2021: 84.14M USDNet income, FY2022: 81.83M USDNet income, FY2023: 85.89M USDNet income, FY2024: 83.81M USDNet income, FY2025: 112.64M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 229.84M USD. Revenue FY2022 278.06M USD. Revenue FY2023 316.92M USD. Revenue FY2024 315.38M USD. Revenue FY2025 487.4M USD. Operating income FY2021 102.79M USD. Operating income FY2022 99.18M USD. Operating income FY2023 103.65M USD. Operating income FY2024 104.1M USD. Operating income FY2025 140.07M USD. Net income FY2021 84.14M USD. Net income FY2022 81.83M USD. Net income FY2023 85.89M USD. Net income FY2024 83.81M USD. Net income FY2025 112.64M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue487.4M USD315.38M USD316.92M USD278.06M USD229.84M USD
Cost of goods sold145.38M USD103.23M USD68.77M USD24.69M USD3.05M USD
Gross profit342.02M USD212.15M USD248.14M USD253.37M USD226.79M USD
Selling, general, and administrative116.7M USD89.1M USD90.93M USD90.42M USD74.19M USD
Operating expenses201.95M USD108.05M USD144.5M USD154.19M USD124.01M USD
Interest income420.09M USD291.04M USD256.66M USD218.93M USD170.38M USD
Interest expense125.96M USD100.45M USD66.22M USD18.34M USD9.55M USD
Depreciation and amortization18.71M USD9.28M USD9.56M USD10.12M USD8.77M USD
Operating income140.07M USD104.1M USD103.65M USD99.18M USD102.79M USD
Net income112.64M USD83.81M USD85.89M USD81.83M USD84.14M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
-0.26%
11 comparable reports
Latest EPS result
1.02
Estimate 0.92 · Beat by 10.51%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.080.80.530.26Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 0.78, estimate 0.71, surprise +9.86%, Beat. Q2 2025, reported Apr 28, 2025: actual 0.3, estimate 0.72, surprise -58.33%, Miss. Q3 2025, reported Jul 28, 2025: actual 0.86, estimate 0.83, surprise +3.61%, Beat. Q4 2025, reported Oct 27, 2025: actual 0.92, estimate 0.86, surprise +6.98%, Beat. Q1 2026, reported Jan 26, 2026: actual 0.96, estimate 0.9, surprise +6.67%, Beat. Q2 2026, reported Apr 27, 2026: actual 0.88, estimate 0.9, surprise -2.22%, Miss. Q3 2026, reported Jul 27, 2026: actual 1.02, estimate 0.923, surprise +10.51%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 1, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates106.73M91.11M75.5M59.88MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 65.15M USD, estimate 63.98M USD, surprise +1.82%, Beat. Q2 2025, reported Apr 28, 2025: actual 82.73M USD, estimate 79.56M USD, surprise +3.98%, Beat. Q3 2025, reported Jul 28, 2025: actual 89.89M USD, estimate 91.93M USD, surprise -2.22%, Miss. Q4 2025, reported Oct 27, 2025: actual 94.15M USD, estimate 92.96M USD, surprise +1.29%, Beat. Q1 2026, reported Jan 26, 2026: actual 97.85M USD, estimate 94.63M USD, surprise +3.40%, Beat. Q2 2026, reported Apr 27, 2026: actual 97.43M USD, estimate 95.84M USD, surprise +1.66%, Beat. Q3 2026, reported Jul 27, 2026: actual 101.34M USD, estimate 99.22M USD, surprise +2.14%, Beat. Q4 2026, reported Oct 26, 2026: actual —, estimate 102.63M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$54.50

9.22% upside
Past 12 months12-month forecastHigh $60.00Average $54.50Low $49.00

Rating distribution

8 ratings
Strong buy00%
Buy338%
Hold563%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions
Stephens & Co.maintainOverweight

GABC news

zacks.com

Implied Volatility Surging for German American Bancorp Stock Options

Investors need to pay close attention to GABC stock based on the movements in the options market lately.

Read source
zacks.com

German American Bancorp (GABC) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?

Read source
seekingalpha.com

Dividend Champion, Contender, And Challenger Highlights: Week August 16

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

Read source
zacks.com

German American Bancorp (GABC) Is Up 5.06% in One Week: What You Should Know

Does German American Bancorp (GABC) have what it takes to be a top stock pick for momentum investors? Let's find out.

Read source
247wallst.com

Last Chance – 5 Dividend Stocks You Must Buy This Week to Get Paid in August

Income investors have intriguing opportunities and a narrow decision window this week.

Read source
zacks.com

Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.16

2025 complete year+38.1% since 2021

2026 partial: $0.93

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 10, 2026

$0.31

Quarterly

Record Aug 10, 2026 · Payment Aug 20, 2026

Dividend

Ex-dividend May 8, 2026

$0.31

Quarterly

Record May 10, 2026 · Payment May 20, 2026

Dividend

Ex-dividend Feb 10, 2026

$0.31

Quarterly

Record Feb 10, 2026 · Payment Feb 20, 2026

Dividend

Ex-dividend Nov 10, 2025

$0.29

Quarterly

Record Nov 10, 2025 · Payment Nov 20, 2025

Dividend

Ex-dividend Aug 8, 2025

$0.29

Quarterly

Record Aug 10, 2025 · Payment Aug 20, 2025

Dividend

Ex-dividend May 9, 2025

$0.29

Quarterly

Record May 10, 2025 · Payment May 20, 2025

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ETFs holding GABC

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
55.49M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Schwab U.S. Dividend Equity ETF logoSchwab U.S. Dividend Equity ETFSCHD
Market value
51.54M
Weight
0.05%
AUM
112B USD
Expense ratio
0.06%
Price / 1D
$35.11+0.80%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
48.39M
Weight
0.06%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
22.03M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
17.46M
Weight
0.12%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Opus Small Cap Value Plus ETF logoOpus Small Cap Value Plus ETFOSCV
Market value
13.93M
Weight
2.06%
AUM
697.02M USD
Expense ratio
0.79%
Price / 1D
$42.30+0.28%
Vanguard Dividend Appreciation ETF logoVanguard Dividend Appreciation ETFVIG
Market value
10.81M
Weight
0.01%
AUM
130.9B USD
Expense ratio
0.04%
Price / 1D
$243.91+0.69%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
10.67M
Weight
0.06%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%

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