German American Bank/$GABC
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Capital at risk
About German American Bank
German American Bancorp Inc is a bank holding company. The lines of business include the core banking segment and the wealth management segment. The core banking segment involves attracting deposits from the general public and using those funds to originate consumer, 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. The company generates the majority of its revenue from the core banking segment.
- Ticker
- $GABC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 984
- Headquarters
- Jasper, United States
- Website
- germanamerican.com
GABC Metrics
BasicAdvanced
$1.9B
13.16
$3.79
0.58
$1.22
2.49%
Price and volume
Market cap
$1.9B
Beta
0.58
52-week high
$52.23
52-week low
$37.19
Average daily volume
121K
Dividend rate
$1.22
Financial strength
Dividend payout ratio (TTM)
31.54%
Profitability
Net profit margin (TTM)
37.41%
Operating margin (TTM)
50.37%
Effective tax rate (TTM)
19.89%
Revenue per employee (TTM)
$390,000
Management effectiveness
Return on assets (TTM)
1.70%
Return on equity (TTM)
12.46%
Valuation
Price to earnings (TTM)
13.159
Price to revenue (TTM)
4.923
Price to book
1.55
Price to tangible book (TTM)
2.32
Price to free cash flow (TTM)
10.249
Free cash flow yield (TTM)
9.76%
Free cash flow per share (TTM)
4.861
Dividend yield (TTM)
2.45%
Forward dividend yield
2.49%
Growth
Revenue change (TTM)
35.10%
Earnings per share change (TTM)
44.52%
3-year revenue growth (CAGR)
13.98%
3-year earnings per share growth (CAGR)
6.72%
10-year earnings per share growth (CAGR)
10.05%
3-year dividend per share growth (CAGR)
7.57%
10-year dividend per share growth (CAGR)
9.93%
Bulls say / Bears say
German American Bancorp reported record quarterly earnings of $1.02 per share, with a return on average assets of 1.80% and return on average tangible common equity of 19.43%, reflecting best-in-class profitability among U.S. regional banks (Nasdaq)
The bank’s tax-equivalent net interest margin expanded to 4.30%, up 4 basis points quarter-over-quarter, driven by lower deposit costs and improved yields on earning assets, supporting net interest income growth (Nasdaq)
Loan balances increased by $83 million, or an annualized 6%, in Q2 2026, with growth broad-based across all commercial segments including home equity, underpinned by strong deposit funding (Nasdaq)
First-quarter 2026 net income declined 7% sequentially to $33.2 million, underscoring earnings volatility and sensitivity to seasonal funding costs and margin fluctuations (German American Q1 2026 Press Release)
Non-performing loans rose to 0.51% of total loans as of March 31, 2026, up from 0.33% a year earlier, with approximately $18.7 million of NPAs tied to Heartland-acquired relationships, indicating elevated credit risk in acquired portfolios (German American Q1 2026 Press Release)
Commercial real estate (54%) and agricultural (8%) loans combined accounted for 62% of total loans as of June 30, 2026, exposing the bank to sector-specific risks in CRE and agribusiness markets (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 24 Aug 2026.
Upcoming events
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GABC News
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Funds containing GABC
AllEURUSDGBP
Fund name | Fund size | $GABC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.07% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.02% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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