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
$1.6B
15.95
$2.62
0.61
$1.14
2.78%
Price and volume
Market cap
$1.6B
Beta
0.61
52-week high
$42.40
52-week low
$32.75
Average daily volume
108K
Dividend rate
$1.14
Financial strength
Dividend payout ratio (TTM)
43.60%
Profitability
Net profit margin (TTM)
30.64%
Operating margin (TTM)
41.60%
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)
15.95
Price to revenue (TTM)
4.888
Price to book
1.46
Price to tangible book (TTM)
2.4
Price to free cash flow (TTM)
12.062
Free cash flow yield (TTM)
8.29%
Free cash flow per share (TTM)
3.464
Dividend yield (TTM)
2.73%
Forward dividend yield
2.78%
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)
0.03%
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
Net income for Q2 2025 rose to $31.4 million, or $0.84 per share—a 180% increase from Q1 2025 and the company's second-highest EPS on record—demonstrating strong earnings power and a successful Heartland integration (Nasdaq).
Organic loan growth was roughly 7% annualized on a linked-quarter basis in Q2 2025, with increases seen across all lending categories, reflecting strong demand and ongoing portfolio expansion (Nasdaq).
Non-interest expense fell 6.2% in Q2 2025, improving the efficiency ratio to 50.23% and showing continued synergy realization and better cost discipline after the merger (Nasdaq).
Total deposits decreased by $139.6 million in Q2 2025 as the company intentionally reduced higher-cost Heartland deposits, raising concerns about funding stability (Nasdaq).
Non-performing assets rose to 0.30% of period-end assets, and non-performing loans increased to 0.44% in Q2 2025, indicating a modest deterioration in credit quality (Nasdaq).
Commercial real estate loans made up 54% of the loan portfolio as of June 30, 2025, leaving the bank exposed to concentration risk in the face of potential commercial real estate market challenges (Nasdaq).
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2025.
GABC News
AllArticlesVideos
German American Bank Receives Top 20 Performance Ranking by Bank Director
Business Wire·4 weeks ago
German American Bancorp, Inc. (GABC) Reports Strong Second Quarter 2025 Earnings
Business Wire·1 month ago
German American Bancorp, Inc. Appoints Andrew Seger to Corporate Board of Directors
Business Wire·2 months ago
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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Capital at risk
Upcoming events
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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 $1.6B as of September 01, 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 15.95 as of September 01, 2025.
Does German American Bank stock pay dividends?
Yes, the German American Bank (GABC) stock pays dividends to shareholders. As of September 01, 2025, the dividend rate is $1.14 and the yield is 2.78%. 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.