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GERMAN AMERICAN BANCORP, INC.

GABC

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Subscriber-only column
Cash And Due From Banks
80767111310079697870537972
Cash Cash Equivalents And Federal Funds Sold
94124118256200442189196329123115132
Interest Bearing Deposits In Banks
111111111111
Debt Securities Available For Sale Excluding Accru…
1,6841,6671,6571,6181,5721,5631,5171,5481,3741,5391,5971,477
Equity Securities Without Readily Determinable Fai…
000000000000
Loans Held For Sale Fair Value Disclosure
61581014789151057
Financing Receivable Excluding Accrued Interest Be…
-5,8595,8845,7885,7485,6554,1334,0694,0443,9793,9783,894
Assets
Assets
8,4408,3828,3898,4018,2808,4206,2966,2616,2176,1126,1526,006
Financing Receivable Unamortized Loan Commitment O…
--9-9-9-9-8-8-8-7-7-7-6
Financing Receivable Allowance For Credit Loss Exc…
--79-78-76-76-75-44-44-44-44-44-45
Financing Receivable Excluding Accrued Interest Af…
-5,7715,7975,7025,6645,5714,0804,0173,9933,9283,9273,843
Federal Home Loan Bank Stock
171818181818141415151515
Property Plant And Equipment And Finance Lease Rig…
-137139140139141104105106106107111
Real Estate Acquired Through Foreclosure
000000000000
Goodwill
375375375375378377179179179180180180
Intangible Assets Net Excluding Goodwill
293134363942455667
Bank Owned Life Insurance
111110110109108108878786868685
Interest Receivable And Other Assets
132133131136147150112100114117113147
Noninterest Bearing Deposit Liabilities
1,9681,9271,9451,9391,8971,8901,3991,4061,4481,4641,4931,502
Interest Bearing Deposit Liabilities
3,6763,7693,7553,7143,7283,7893,0132,9552,9852,9182,9932,932
Time Deposits
1,3521,2861,2901,3621,3301,419917910881837767702
Liabilities
Liabilities
7,2287,2087,2267,2827,2117,3745,5815,5165,5295,4575,4895,467
Deposits
6,9966,9816,9907,0156,9557,0985,3295,2715,3145,2195,2535,136
Advances From Federal Home Loan Banks
169169183211202217210204167192194286
Accounts Payable And Accrued Liabilities Current A…
645854565459424149464245
Common Stock Value
383837373737303030303030
Stockholders Equity
Additional Paid In Capital Common Stock
708707707707706705392392391390389389
Stockholders Equity
1,2121,1751,1621,1201,0701,046715745688655664538
Retained Earnings Accumulated Deficit
631605583558534513514498485473462447
Accumulated Other Comprehensive Income Loss Net Of…
-165-175-165-182-208-210-220-175-218-237-217-328
Liabilities And Stockholders Equity
8,4408,3828,3898,4018,2808,4206,2966,2616,2176,1126,1526,006
Common Stock Shares Issued
383837373737303030303030
Shares Outstanding
383837373737303030303030
Debt Securities Available For Sale Amortized Cost …
--1,866---1,7961,7691,6491,8391,8711,891
Debt Securities Available For Sale Amortized Cost …
1,8931,8881,8661,8481,8341,8281,796-----
Debt Securities Available For Sale Amortized Cost …
000000000000
Common Stock Par Or Stated Value Per Share
111111111111
Common Stock Shares Authorized
454545454545454545454545

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
20260.71%9.76%11.56%---------
2025-3.43%2.78%-5.05%10.21%5.49%3.69%0.43%1.50%1.82%-1.91%6.77%1.44%
2024-1.22%10.33%30.34%6.90%1.97%4.29%-0.13%-9.95%-12.90%-6.36%-9.27%-5.13%
2023----4.36%-11.79%-11.82%7.06%15.39%16.53%6.11%6.59%9.69%

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Performance and Valuation Metrics

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Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Leverage & Debt
Interest Coverage TTM
-0.44
-0.45
-0.52
-0.53
-0.55
-0.56
-0.11
0.37
1.09
2.30
2.57
3.03
Per Share Metrics
Diluted EPS TTM
3.78
3.61
3.06
2.67
2.30
2.17
2.83
2.77
2.78
2.84
2.91
3.00
Free Cash Flow Per Share TTM
4.86
4.09
4.19
3.76
3.04
3.02
3.06
3.10
3.11
3.19
3.43
3.32
Dividend Per Share TTM
1.19
1.17
1.18
1.08
1.00
1.00
1.07
1.05
1.03
1.01
1.00
0.97
Margin Metrics
Gross Profit Margin TTM
3.81%
-604.59%
-649.39%
-656.25%
-649.97%
-617.67%
-596.81%
-674.13%
-650.43%
-619.75%
-563.50%
-387.51%
Operating Profit Margin TTM
145.97%
963.61%
833.35%
782.03%
699.68%
633.15%
722.11%
541.52%
569.87%
612.06%
667.58%
715.08%
Net Profit Margin TTM
116.94%
773.81%
670.13%
626.96%
564.17%
505.88%
581.37%
589.55%
620.19%
676.45%
733.40%
812.18%
Growth Metrics
Net Revenue Growth (1Y)
695.77%
17.43%
16.59%
14.71%
14.76%
19.73%
23.10%
27.38%
28.52%
23.32%
16.23%
6.05%
Net Income Growth (1Y)
64.95%
79.63%
34.39%
21.99%
4.40%
-10.46%
-2.42%
-7.53%
-10.26%
-10.11%
4.97%
15.80%
EPS Growth (1Y)
64.57%
66.04%
8.31%
-3.43%
-17.36%
-23.58%
-2.74%
-7.86%
-10.54%
-10.39%
4.64%
15.45%
Valuation Metrics
P/E TTM
12.47
11.44
12.54
14.30
16.18
16.55
13.54
13.24
11.93
11.35
10.30
8.25
P/B TTM
1.46
1.32
1.22
1.28
1.30
1.19
1.59
1.46
1.43
1.46
1.33
1.36
P/S TTM
14.58
88.51
84.05
89.65
91.26
83.72
78.71
78.09
74.01
76.77
75.50
67.04
Market Cap
1.77B
1.55B
1.41B
1.43B
1.39B
1.25B
1.13B
1.09B
984.58M
954.54M
884.23M
732.91M
Enterprise Value
1.68B
1.42B
1.29B
1.18B
1.19B
803.91M
945.94M
891.94M
655.26M
831.07M
768.90M
600.49M
Calculated Values
Free Cash Flow TTM
182.40M
153.30M
154.00M
141.02M
113.90M
104.78M
90.72M
92.01M
92.37M
94.55M
101.49M
98.14M
Net Debt
-94.16M
-123.93M
-118.38M
-255.65M
-200.15M
-442.29M
-188.79M
-195.56M
-329.32M
-123.47M
-115.33M
-132.42M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-15Purchase
Owner: Bawel, Zachary W
Title: -
Shares: 22
Price/Share: $45.55
Value: $999.82
Shares Owned: 24,689
Relationship: Director
Ownership: Direct
2026-06-15Purchase
Owner: Ryan, Christina M
Title: -
Shares: 22
Price/Share: $45.55
Value: $999.82
Shares Owned: 17,520
Relationship: Director
Ownership: Direct
2026-06-15Purchase
Owner: Ellspermann, Susan J
Title: -
Shares: 22
Price/Share: $45.55
Value: $999.82
Shares Owned: 11,885
Relationship: Director
Ownership: Direct
2026-06-15Purchase
Owner: Seger, Andrew M
Title: -
Shares: 22
Price/Share: $45.55
Value: $999.82
Shares Owned: 18,406
Relationship: Director
Ownership: Direct
2026-05-15Purchase
Owner: Seger, Andrew M
Title: -
Shares: 24
Price/Share: $41.84
Value: $999.98
Shares Owned: 18,368
Relationship: Director
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
51.82%
Inst. Shares: 19,441,654
Shares Outstanding: 37,517,833
2025-12-31
52.53%
Inst. Shares: 19,330,457
Shares Outstanding: 36,796,342
2025-09-30
50.41%
Inst. Shares: 18,900,686
Shares Outstanding: 37,493,028
2025-06-30
50.66%
Inst. Shares: 18,988,843
Shares Outstanding: 37,479,342
2025-03-31
52.83%
Inst. Shares: 18,321,415
Shares Outstanding: 34,680,719

GERMAN AMERICAN BANCORP, INC. (GABC) — SEC Financial Statements & Analysis

GERMAN AMERICAN BANCORP, INC. (GABC) is a state commercial banks company, incorporated in IN. GERMAN AMERICAN BANCORP, INC. trades on Nasdaq as: GABC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), GERMAN AMERICAN BANCORP, INC. reported a 695.77% year-over-year revenue growth, a Gross Profit Margin of 3.81% (TTM), a Price-to-Sales (P/S) ratio of 14.58x (TTM), a Price-to-Book (P/B) ratio of 1.46x (TTM), at a market cap of $1.77B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
695.77%
Gross Profit Margin TTM
3.81%
P/S TTM
14.58x
P/B TTM
1.46x
Market Cap
$1.77B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is GERMAN AMERICAN BANCORP, INC. in?

GERMAN AMERICAN BANCORP, INC. (GABC) operates in the State Commercial Banks industry.

What is GABC's market cap?

GERMAN AMERICAN BANCORP, INC. (GABC) has a market capitalization of $1.77B as of 2026-06-30.

What is GABC's P/E ratio?

GERMAN AMERICAN BANCORP, INC. (GABC)'s trailing twelve month P/E ratio is 12.47x as of 2026-06-30.

What exchange does GABC trade on?

GERMAN AMERICAN BANCORP, INC. (GABC) trades on the Nasdaq.

Where is GERMAN AMERICAN BANCORP, INC. incorporated?

GERMAN AMERICAN BANCORP, INC. is incorporated in IN.

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Main Street's price.