GABC Stock - German American Bancorp, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $315.38M | $316.92M | $278.06M | $229.84M | $228.84M |
| Gross Profit | $212.15M | $248.14M | $253.37M | $226.79M | $192.17M |
| Gross Margin | 67.3% | 78.3% | 91.1% | 98.7% | 84.0% |
| Operating Income | $104.10M | $103.65M | $99.18M | $102.78M | $75.04M |
| Net Income | $83.81M | $85.89M | $81.83M | $84.14M | $62.21M |
| Net Margin | 26.6% | 27.1% | 29.4% | 36.6% | 27.2% |
| EPS | $2.83 | $2.91 | $2.78 | $3.17 | $2.34 |
German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. 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. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 30th 2024 | Hovde Group | Upgrade | Outperform | $48← $41 |
| October 15th 2024 | Stephens | Initiation | Overweight | $45 |
| May 31st 2024 | Hovde Group | Reiterated | Market Perform | $34← $33 |
| January 5th 2024 | Raymond James | Upgrade | Outperform | $38 |
| May 25th 2023 | Piper Sandler | Resumed | Neutral | $31 |
Earnings History & Surprises
GABCEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 26, 2026 | $0.90 | — | — | — |
Q4 2025 | Oct 27, 2025 | $0.86 | $0.92 | +7.0% | ✓ BEAT |
Q3 2025 | Jul 28, 2025 | $0.83 | $0.86 | +3.6% | ✓ BEAT |
Q2 2025 | Apr 28, 2025 | $0.72 | $0.79 | +9.7% | ✓ BEAT |
Q1 2025 | Jan 27, 2025 | $0.71 | $0.78 | +9.9% | ✓ BEAT |
Q4 2024 | Oct 28, 2024 | $0.70 | $0.71 | +1.4% | ✓ BEAT |
Q3 2024 | Jul 29, 2024 | $0.62 | $0.68 | +9.7% | ✓ BEAT |
Q2 2024 | Apr 29, 2024 | $0.64 | $0.64 | 0.0% | = MET |
Q1 2024 | Jan 29, 2024 | $0.67 | $0.73 | +9.0% | ✓ BEAT |
Q4 2023 | Oct 30, 2023 | $0.70 | $0.73 | +4.3% | ✓ BEAT |
Q3 2023 | Jul 31, 2023 | $0.67 | $0.75 | +11.9% | ✓ BEAT |
Q2 2023 | Apr 24, 2023 | $0.80 | $0.71 | -11.3% | ✗ MISS |
Q1 2023 | Jan 30, 2023 | $0.84 | $0.83 | -1.2% | ✗ MISS |
Q4 2022 | Oct 31, 2022 | $0.81 | $0.83 | +2.5% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.71 | $0.81 | +14.1% | ✓ BEAT |
Q2 2022 | Apr 25, 2022 | $0.70 | $0.77 | +10.0% | ✓ BEAT |
Q1 2022 | Jan 31, 2022 | $0.73 | $0.73 | 0.0% | = MET |
Q4 2021 | Oct 25, 2021 | $0.71 | $0.81 | +14.1% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $0.63 | $0.90 | +42.9% | ✓ BEAT |
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