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German American Bancorp, Inc.(GABC)Earnings, Financials & Key Ratios
GABC•NASDAQ•Banking & Credit
$47.66
15.6× P/E·Price updated Jul 7, 2026
AboutGerman 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.Show more
- Net Interest Income$294M+54.3%
- Total Revenue$487M+54.5%
- Net Income$113M+34.4%
- Return on Equity12%-1.3%
- Net Interest Margin3.51%+15.8%
- Efficiency Ratio41.43%+20.9%
- ROA1.53%+13.9%
- Equity / Assets13.86%+22.0%
- Book Value per Share31.59+31.0%
GABC Price & Volume
German American Bancorp, Inc. (GABC) stock price & volume — 10-year historical chart
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Strategic Asset Expansion Drives Consistent Revenue Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Geographic concentration and integration
Key Thesis Takeaways
- German American Bancorp has successfully scaled its asset base from $6.2 billion in 2023Q4 to $8.4 billion by 2026Q1, demonstrating effective integration of regional acquisitions.
- While the bank has stabilized its efficiency ratio between 39% and 43% and normalized credit provisions to $2.0 million, investors should monitor the heavy reliance on a $7.5 billion securities portfolio for liquidity.
- The firm's geographic concentration in Indiana and Kentucky remains a structural risk factor that warrants ongoing scrutiny regarding localized economic sensitivity.
Verdict Logic
while the bank shows strong earnings recovery with a 193.3% EPS growth in 2026Q1, the current P/B valuation of 1.51 suggests the market has already priced in much of the recent operational success.
GABC Growth Metrics
German American Bancorp, Inc. (GABC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years16.15%
5 Years16.32%
3 Years20.57%
TTM-
Profit CAGR
10 Years14.12%
5 Years12.61%
3 Years11.24%
TTM79.63%
EPS CAGR
10 Years7.32%
5 Years5.51%
3 Years3.25%
TTM46.37%
Return on Capital
10 Years11.97%
5 Years13.15%
3 Years12.73%
Last Year12.37%
GABC Recent Earnings
German American Bancorp, Inc. (GABC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.88-2.2%
$0.90
Rev
$97M+1.7%
$96M
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.96+6.7%
$0.90
Rev
$98M+3.4%
$95M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.92+7.0%
$0.86
Rev
$94M+1.3%
$93M
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.86+3.6%
$0.83
Rev
$90M-2.2%
$92M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.88vs $0.90-2.2% | $97Mvs $96M+1.7% |
| Q1 2026 | Jan 26, 2026 | $0.96vs $0.90+6.7% | $98Mvs $95M+3.4% |
| Q4 2025 | Oct 27, 2025 | $0.92vs $0.86+7.0% | $94Mvs $93M+1.3% |
| Q3 2025 | Jul 28, 2025 | $0.86vs $0.83+3.6% | $90Mvs $92M-2.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for German American Bancorp, Inc. (GABC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $47.66 | $1.79B | 15.58 | 54.54% | 23.11% | 12% | 2.47% | |
| $28.66 | $5.77B | 11.89 | -5.35% | 34.84% | 11.29% | — | |
| $22.75 | $3.3B | -7.71 | -56.66% | -63.53% | -10.51% | — | |
| $35.76 | $736.88M | 10.94 | -0.3% | 22.54% | 14.15% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — | |
| $24.23 | $4.63B | 11.65 | 5.03% | 20.93% | 11.45% | — |
Compare GABC vs Peers
German American Bancorp, Inc. (GABC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GABC SEC Filings & Documents
German American Bancorp, Inc. (GABC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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GABC Frequently Asked Questions
German American Bancorp, Inc. (GABC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is German American Bancorp, Inc. growing?
German American Bancorp, Inc. (GABC) grew revenue by 54.5% over the past year. This is strong growth.
Is GABC profitable?
Yes, German American Bancorp, Inc. (GABC) is profitable, generating $135.3M in net income for fiscal year 2025 (23.1% net margin).
Dividend & Returns
Does GABC pay dividends?
Yes, German American Bancorp, Inc. (GABC) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.
What is GABC's return on equity?
German American Bancorp, Inc. (GABC) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.
Industry Metrics
What is German American Bancorp, Inc.'s net interest margin?
German American Bancorp, Inc. (GABC) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is German American Bancorp, Inc.'s efficiency ratio?
German American Bancorp, Inc. (GABC) has an efficiency ratio of 41.4%. This is excellent, indicating strong cost control.