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

GABC Metrics

BasicAdvanced
$1.5B
14.94
$2.62
0.61
$1.14
2.96%

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.
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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