German American Bank/$GABC
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About German American Bank
German American Bancorp Inc is a bank holding company. The lines of business include Retail and commercial banking business which involves attracting deposits from the general public and using those funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans. These core banking activities also include the sale of residential mortgage loans in the secondary market. Wealth management services which involve providing trust, investment advisory, brokerage and retirement planning services to customers. Insurance operations include the offering of a full range of personal and corporate property and casualty insurance products.
Ticker
$GABC
Sector
Primary listing
Employees
1,020
Headquarters
Website
GABC Metrics
BasicAdvanced
$1.5B
15.01
$2.62
0.61
$1.14
2.95%
Price and volume
Market cap
$1.5B
Beta
0.61
52-week high
$42.40
52-week low
$32.75
Average daily volume
112K
Dividend rate
$1.14
Financial strength
Dividend payout ratio (TTM)
43.60%
Profitability
Net profit margin (TTM)
30.64%
Operating margin (TTM)
39.76%
Effective tax rate (TTM)
19.37%
Revenue per employee (TTM)
$280,000
Management effectiveness
Return on assets (TTM)
1.19%
Return on equity (TTM)
9.80%
Valuation
Price to earnings (TTM)
15.007
Price to revenue (TTM)
4.599
Price to book
1.38
Price to tangible book (TTM)
2.26
Price to free cash flow (TTM)
11.349
Free cash flow yield (TTM)
8.81%
Free cash flow per share (TTM)
3.464
Dividend yield (TTM)
2.90%
Forward dividend yield
2.95%
Growth
Revenue change (TTM)
13.87%
Earnings per share change (TTM)
-5.97%
3-year revenue growth (CAGR)
6.16%
3-year earnings per share growth (CAGR)
0.01%
10-year earnings per share growth (CAGR)
5.69%
3-year dividend per share growth (CAGR)
8.20%
10-year dividend per share growth (CAGR)
9.82%
Bulls say / Bears say
German American finalized its merger with Heartland BancCorp on February 1, 2025, increasing assets by $1.94 billion and deposits by $1.73 billion for pro forma total assets of $8.42 billion as of March 31, 2025 (SEC 10-Q).
Net interest margin widened by 42 basis points to 3.96% in Q1 2025, supported by higher yields on earning assets and a 24 basis point benefit from loan accretion related to the acquisition (German American Bancorp).
Credit quality remains strong, with non-performing assets at 0.22% of period-end assets, non-performing loans at 0.33% of loans, and an allowance coverage ratio above 400% (SEC 10-Q).
One-time acquisition-related expenses of $5.9 million and a “Day 2” CECL provision of $16.2 million in Q1 2025 significantly reduced reported EPS by about 62% compared to the previous quarter (German American Bancorp).
The issuance of roughly 7.74 million shares and $23.1 million in cash to acquire Heartland created dilution pressure and increased goodwill and other intangible assets by $235.5 million after the transaction (SEC 10-Q).
Goodwill and intangible assets surged to $418.5 million as of March 31, 2025, accounting for nearly 40% of shareholders’ equity and raising the risk of impairment if merger synergies are not achieved (SEC 10-Q).
Data summarised monthly by Lightyear AI. Last updated on 30 Sept 2025.
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FAQs
What’s the current market cap for German American Bank stock?
German American Bank (GABC) has a market cap of $1.5B as of October 26, 2025.
What is the P/E ratio for German American Bank stock?
The price to earnings (P/E) ratio for German American Bank (GABC) stock is 15.01 as of October 26, 2025.
Does German American Bank stock pay dividends?
Yes, the German American Bank (GABC) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is $1.14 and the yield is 2.95%. German American Bank has a payout ratio of 43.6% on a trailing twelve-month basis.
When is the next German American Bank dividend payment date?
The next German American Bank (GABC) dividend payment date is unconfirmed.
What is the beta indicator for German American Bank?
German American Bank (GABC) has a beta rating of 0.61. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.