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Home CompaniesGerman American Bancorp Inc

German American Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
50.385 USD 0.30 ( 0.61%)
Last update at 2026-11-09T15:33:00Z
VOLUME
11661
Market Cap
1628.15M
P/E
14.44

Momentum Score

…

German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
50.24
Low
50.91
High
52 Week Price Range
35.05
Low
44.76
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

German American Bancorp, Inc. is a bank holding company providing commercial and consumer banking and wealth management services through German American Bank, primarily serving the Midwestern United States. Long-term growth may be driven by loan and deposit expansion, potential net interest margin improvement, and growth of fee-based services.

Material risks include regional economic concentration and commercial-credit exposure, sensitivity to interest-rate and margin swings, competitive pressure from larger banks and fintech, and regulatory or funding challenges that could impair earnings.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
50.08
Dividend Yield
2.67%
Revenue TTM
342.02M
Revenue Per Share
9.29
Gross Profit TTM
342.02M
Debt / Equity
0.16
ROE
12.00%
Net Debt
110.75M
ROCE
10.34%
Diluted EPS TTM
3.00

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 140.07M 104.10M 103.65M 99.18M 102.78M
Net income 112.64M 83.81M 85.89M 81.83M 84.14M
Selling general administrative 127.38M 85.17M 86.07M 86.00M 69.99M
Selling and marketing expenses - 3.94M 4.86M 4.42M 4.20M
Gross profit 342.02M 212.15M 248.14M 236.28M 200.65M
Reconciled depreciation 18.71M 9.28M 9.58M 3.71M 2.73M
Ebit - 104.10M 103.50M 117.52M 102.78M
Ebitda 140.07M 113.38M 113.06M 121.23M 105.52M
Depreciation and amortization - 9.28M 9.56M 3.71M 2.73M
Operating income 140.07M 104.10M 103.65M 117.52M 102.78M
Other operating expenses 347.33M 211.28M 213.27M 10.71M 117.51M
Interest expense 125.96M 100.45M 66.22M 18.34M 9.55M
Tax provision 27.43M 20.29M 19.32M 17.35M 18.65M
Interest income 420.09M 291.04M 250.51M 218.93M 170.38M
Net interest income 294.13M 190.59M 197.21M 200.58M 160.83M
Income tax expense 27.43M 20.29M 17.76M 17.35M 18.65M
Total revenue 487.40M 315.38M 316.92M 259.72M 220.29M
Total operating expenses 201.95M 108.05M 144.50M 10.71M -117.51M
Cost of revenue 145.38M 103.23M 68.77M 23.44M 19.64M
Total other income expense net - 98.68M -5.67M -18.34M 95.79M
Net income from continuing ops 112.64M 83.81M 88.80M 81.83M 84.14M
Net income applicable to common shares - - - 81.83M 84.14M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 8388.78M 6295.91M 6152.20M 6155.99M 5608.54M
Intangible assets 33.79M 4.02M 6.31M 9.43M 5.84M
Other current assets -38.93M - 146.43M 36.34M 1521.05M
Total liab 7226.45M 5580.84M 5488.64M 5597.60M 4940.08M
Total stockholder equity 1162.33M 715.07M 663.56M 558.39M 668.46M
Other current liab 6989.74M 5329.07M 2208.21M -68.74M -43.58M
Common stock 37.50M 29.68M 29.59M 416.66M 302.61M
Capital stock 37.50M 29.68M 29.59M 416.66M 26.55M
Retained earnings 582.95M 513.59M 461.62M 405.17M 350.36M
Other liab - - - 26.03M 43.58M
Good will 375.47M 179.03M 180.36M 180.36M 121.76M
Other assets 8269.83M 4422.29M - 3929.97M 2710.49M
Cash 71.93M 69.75M 79.31M 77.17M 47.17M
Total current liabilities 7033.59M 5385.94M 2300.95M 68.74M 43.58M
Net debt 110.75M 140.38M 119.97M 151.63M 105.01M
Short term debt 43.85M 56.86M 92.74M 25.00M -
Short long term debt 0.00M 0.00M 0.00M 25.00M 0.00M
Short long term debt total 182.68M 210.13M 199.27M 228.81M 152.18M
Other stockholder equity 706.82M 392.27M 389.41M 387.17M 276.06M
Property plant equipment - - - 112.24M 88.86M
Total current assets 1234.08M 1124.89M 146.43M 119.58M 441.15M
Long term investments 1657.75M 1517.64M 1597.18M 1804.43M 2240.43M
Net tangible assets - - - 368.61M 540.85M
Short term investments 1162.15M 1055.14M 1596.83M 42.41M 350.46M
Net receivables 39.00M - - 123.97M 43.52M
Long term debt 136.69M 150.87M 125.33M 203.81M 152.18M
Accounts payable - - - 43.74M 43.58M
Accumulated other comprehensive income -164.93M -220.46M -217.06M -263.44M 15.48M
Common stock total equity - - - 29.49M 26.55M
Retained earnings total equity - - - 405.17M 350.36M
Non currrent assets other 305.62M 332.73M 196.99M -2106.45M -2456.90M
Non current assets total 7154.70M 5171.02M 6005.77M 2106.45M 2456.90M
Capital lease obligations 2.14M 2.40M 2.64M 2.86M 3.05M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 152.35M -82.40M -18.63M -224.95M -700.92M
Change to liabilities - - - 1.63M -1.19M
Total cashflows from investing activities -60.27M -82.40M 27.25M -24.18M -640.30M
Net borrowings -56.41M 15.74M -10.32M -11.87M -42.67M
Total cash from financing activities -169.46M 60.10M -136.54M -363.67M 590.60M
Change to operating activities - - - 1.63M -1.19M
Net income 112.64M 83.81M 85.89M 81.83M 84.14M
Change in cash -70.41M 73.46M -2.05M -277.81M 51.14M
Begin period cash flow 188.79M 115.33M 117.38M 396.89M 345.75M
End period cash flow 118.38M 188.79M 115.33M 119.08M 396.89M
Total cash from operating activities 159.32M 95.76M 107.23M 110.04M 100.84M
Depreciation 18.71M 9.28M 9.56M 10.12M 8.77M
Other cashflows from investing activities -229.97M -115.62M -185.04M 208.62M 0.67M
Dividends paid 43.28M 31.84M 29.43M 27.02M 22.22M
Change to inventory - - 3.17M - -
Change to account receivables 7.39M 1.75M 3.73M -1.09M 2.72M
Sale purchase of stock - - 10.32M - -0.12M
Other cashflows from financing activities -69.76M 76.20M -96.78M -303.04M 670.91M
Change to netincome - - - 11.15M 6.41M
Capital expenditures 5.32M 5.05M 5.75M 7.85M 4.69M
Cash flows other operating - - - -1.13M 4.36M
Cash and cash equivalents changes - - - -277.81M 51.14M
Change in working capital 9.67M 0.39M 0.55M 0.53M 1.53M
Stock based compensation 2.87M 2.95M 2.33M 2.33M 1.72M
Other non cash items 15.42M -0.67M 8.90M 15.23M 13.42M
Free cash flow 154.00M 90.72M 101.49M 102.18M 96.16M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
GABC
German American Bancorp Inc		 0.30
0.61%		 50.38 14.44 12.84 4.76 1.43 4.97
DBSDY
DBS Group Holdings Ltd ADR		 2.71
1.26%		 218.59 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

German American Bancorp Inc

German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.

711 Main Street, Jasper, IN, United States, 47546

812 482 1314

https://germanamerican.com

984

Name Title Year Born
Mr. D. Neil Dauby Pres, CEO & Director 1964
Mr. Bradley M. Rust COO, Sr. EVP, CFO, Sec. & Treasurer 1967
Mr. Keith A. Leinenbach Exec. VP & Chief Credit Officer 1959
Mr. Randall L. Braun Exec. VP & Chief Banking Officer 1960
Ms. Vicki L. Schuler Sr. VP, Controller, Principal Accounting Officer & Chief Accounting Officer 1975
Mr. Clay M. Barrett Exec. VP and Chief Digital & Information Officer 1978
Ms. Amy D. Jackson Exec. VP & Chief Admin. Officer 1977
Ms. Terri A. Eckerle VP, Exec. Admin & Strategic Customer Service NA
Ms. Jane A. Balsmeyer Sr. VP of Marketing NA
Ms. Ann M. Brown Sr. VP & Director of Human Capital NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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