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German American Bancorp Inc

German American Bancorp Inc

GABC · NASDAQ · Financial Services / Banks - Regional

49.83USD+0.13 (+0.26%)

Price History

Full chart

Market Stats

Previous Close49.70
Open49.91
Day Range49.57 – 50.12
52-Week Range36.18 – 51.91
Volume91.72K
Market Cap1.86B
P/E (TTM)13.03
Forward P/E12.84
EPS3.80
Dividend Yield2.48%
Beta0.57
50-Day Avg49.76
200-Day Avg44.49

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. D. Neil Dauby CPA
  • Employees984
  • Headquarters711 Main Street, Jasper, IN, United States, 47546, USA
  • Websitehttps://germanamerican.com

Leadership

  • Mr. D. Neil Dauby CPACEO & Chairman · b. 1964
  • Mr. Bradley M. RustPresident, CFO & Treasurer · b. 1967
  • Ms. Amy D. JacksonExecutive VP & Chief Administrative Officer · b. 1977
  • Mr. Bradley C. ArnettExecutive VP, Chief Legal Officer & Corporate Secretary · b. 1965
  • Mr. Michael F. BeckwithExecutive VP & Chief Banking Officer
  • Ms. Vicki L. SchulerSenior VP, Controller & Principal Accounting Officer · b. 1975
  • Ms. Terri A. EckerleVice President, Executive Admin & Strategic Customer Service
  • Ms. Jane A. BalsmeyerSenior Vice President of Marketing
  • Mr. Brock C. GogginsSenior Vice President of Retail Banking
  • Mr. C. Adrian BrownSenior Regional President

Financials

Income Statement

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue18.80M22.00M23.80M28.80M43.50M68.90M74.44M78.52M81.86M80.84M70.00M63.55M57.33M64.70M79.59M87.97M86.06M79.59M81.14M101.74M98.97M99.29M104.32M109.06M135.38M142.88M170.82M221.97M228.84M229.84M278.06M316.92M315.38M487.40M
Growth (%)-+17.02%+8.18%+21.01%+51.04%+58.39%+8.04%+5.49%+4.26%-1.25%-13.41%-9.21%-9.79%+12.85%+23.01%+10.53%-2.17%-7.51%+1.94%+25.39%-2.72%+0.32%+5.07%+4.54%+24.13%+5.54%+19.55%+29.95%+3.09%+0.44%+20.98%+13.97%-0.48%+54.54%
Cost of Revenue9.40M10.00M10.20M12.80M19.80M34.50M37.66M39.49M47.88M39.58M29.61M21.89M18.49M19.89M28.32M37.24M30.90M22.97M20.75M22.98M13.32M7.50M6.20M6.07M9.66M12.87M21.21M36.57M36.68M3.05M24.69M68.77M103.23M145.38M
Gross Profit9.40M12.00M13.60M16.00M23.70M34.40M36.78M39.03M33.98M41.26M40.40M41.66M38.84M44.81M51.26M50.73M55.16M56.62M60.47M78.76M85.65M91.78M98.13M103.00M125.72M130.01M149.61M185.40M192.17M226.79M253.37M248.14M212.15M342.02M
Gross Margin50.00%54.55%57.14%55.56%54.48%49.93%49.41%49.70%41.51%51.04%57.71%65.55%67.76%69.26%64.41%57.67%64.10%71.14%74.52%77.41%86.54%92.44%94.06%94.44%92.86%90.99%87.58%83.52%83.97%98.67%91.12%78.30%67.27%70.17%
Operating Expense6.10M8.00M8.50M10.10M15.20M24.20M23.75M26.36M28.24M29.31M28.97M32.22M30.61M31.76M37.06M37.22M36.72M40.39M41.44M50.78M50.92M54.91M57.71M61.33M76.59M77.80M93.55M114.16M117.12M124.01M154.19M144.50M108.05M201.95M
Operating Income3.30M4.00M5.10M5.90M8.50M10.20M13.03M12.67M5.75M11.96M11.43M9.44M8.23M13.06M14.21M13.51M18.44M16.23M19.03M27.98M34.72M36.88M40.41M41.67M49.13M52.21M56.06M71.24M75.04M102.78M99.18M103.65M104.10M140.07M
Operating Margin17.55%18.18%21.43%20.49%19.54%14.80%17.50%16.14%7.02%14.79%16.33%14.85%14.36%20.18%17.85%15.35%21.43%20.39%23.45%27.50%35.09%37.14%38.74%38.21%36.29%36.54%32.82%32.09%32.79%44.72%35.67%32.70%33.01%28.74%
EBITDA3.60M4.80M5.70M6.10M9.80M12.00M15.28M15.24M8.22M15.23M14.55M12.68M11.48M15.94M17.29M16.65M21.80M19.92M22.75M33.11M39.41M41.34M45.22M45.93M53.45M56.90M62.24M79.87M84.47M111.56M109.29M113.06M113.38M158.78M
EBITDA Margin19.15%21.82%23.95%21.18%22.53%17.42%20.53%19.41%10.04%18.84%20.78%19.96%20.02%24.63%21.73%18.92%25.34%25.03%28.04%32.55%39.82%41.63%43.35%42.12%39.48%39.82%36.44%35.98%36.91%48.54%39.31%35.67%35.95%32.58%
Net Income2.30M2.90M3.50M4.00M5.60M7.30M9.22M9.35M5.29M9.19M9.44M8.17M7.24M9.72M10.22M9.40M12.80M12.22M13.40M20.25M24.05M25.41M28.34M30.06M35.18M40.68M46.53M59.22M62.21M84.14M81.83M85.89M83.81M112.64M
Net Income Margin12.23%13.18%14.71%13.89%12.87%10.60%12.39%11.91%6.46%11.37%13.49%12.85%12.63%15.02%12.84%10.69%14.88%15.35%16.52%19.90%24.31%25.60%27.17%27.57%25.99%28.47%27.24%26.68%27.18%36.61%29.43%27.10%26.57%23.11%
R&D-------------------00000000-------
R&D as % of Total Revenue-------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense8.90M9.40M9.60M12.80M19.50M33.70M36.31M37.74M45.65M38.92M28.56M21.08M16.47M17.98M27.40M33.65M26.91M19.22M15.52M16.18M10.91M7.16M6.05M6.07M8.46M11.12M19.14M31.25M19.13M9.55M18.34M66.22M100.45M125.96M
Interest Expense % of Total Revenue47.34%42.73%40.34%44.44%44.83%48.91%48.79%48.07%55.76%48.14%40.80%33.18%28.73%27.80%34.43%38.25%31.27%24.15%19.13%15.90%11.03%7.21%5.80%5.56%6.25%7.78%11.20%14.08%8.36%4.15%6.60%20.90%31.85%25.84%

Balance Sheet

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets239.00M307.50M346.50M367.80M397.50M575.80M896.90M1.06B1.08B1.02B957.00M925.95M942.09M946.47M1.09B1.13B1.19B1.24B1.38B1.87B2.01B2.16B2.23B2.37B2.96B3.14B3.93B4.40B4.98B5.61B6.16B6.15B6.30B8.39B
Total Liabilities217.50M278.20M313.60M330.80M358.20M513.70M805.60M962.96M982.55M912.90M852.49M842.82M858.42M864.21M1.00B1.03B1.09B1.13B1.25B1.71B1.82B1.96B2.01B2.12B2.63B2.78B3.47B3.82B4.35B4.94B5.60B5.49B5.58B7.23B
Total Equity21.50M29.30M32.90M37.00M39.30M62.10M91.30M93.69M97.26M102.21M104.52M83.13M83.67M82.25M92.39M97.12M105.17M113.55M121.53M167.61M185.03M200.10M228.82M252.35M330.27M364.57M458.64M573.82M624.71M668.46M558.39M663.56M715.07M1.16B
Cash21.10M22.30M23.50M28.80M34.30M43.20M50.90M33.22M28.48M37.19M27.63M28.73M23.31M27.64M24.16M25.28M17.20M16.05M15.02M34.35M44.33M37.47M33.58M36.06M48.47M47.27M64.55M61.96M59.21M47.92M75.98M79.31M69.75M71.93M
Total Debt2.60M8.20M9.20M-2.10M5.50M131.40M322.92M235.23M174.38M132.32M148.24M95.61M105.39M119.89M144.17M131.66M148.12M153.72M130.99M161.01M140.77M206.06M273.32M258.11M275.22M376.41M349.69M194.53M152.18M203.81M193.94M210.13M182.68M
Net Debt-18.50M-14.10M-14.30M-28.80M-32.20M-37.70M80.50M289.70M206.75M137.19M104.69M119.51M72.30M77.75M95.73M118.89M114.46M132.07M138.70M96.64M116.67M103.30M172.48M237.26M209.65M227.95M311.86M287.73M135.32M104.27M127.83M114.63M140.38M110.75M

Cash Flow

Currency: USD1992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.50M5.90M3.70M3.20M7.30M-2.40M33.23M15.81M10.11M70.30M19.25M25.41M11.74M14.45M12.09M12.76M22.13M10.43M17.23M26.62M42.00M41.65M36.43M31.27M41.91M54.88M62.33M65.23M92.42M100.84M110.04M107.23M95.76M159.32M
Investing Cash Flow-14.60M1.50M3.50M-12.10M-26.60M-25.30M-78.06M-144.42M-25.70M76.04M-12.32M11.05M-6.05M7.36M-89.03M-41.62M-50.73M-65.57M-93.04M-104.95M-161.66M-67.24M-78.50M-126.93M-71.69M-189.28M-38.80M30.66M-346.08M-640.30M-24.18M27.25M-82.40M-60.27M
Financing Cash Flow12.90M-800.00K-4.30M14.60M31.60M9.20M33.92M106.08M14.46M-75.66M-70.38M-39.67M9.44M-36.53M73.71M27.08M45.67M38.21M67.03M120.16M107.65M36.63M24.38M105.22M42.58M139.95M2.66M-88.56M495.52M590.60M-363.67M-136.54M60.10M-169.46M
Capital Expenditure200.00K500.00K1.00M900.00K1.40M2.60M2.75M4.12M1.98M1.48M4.17M2.08M1.35M1.44M3.46M1.37M2.12M2.64M1.98M3.97M3.62M5.11M3.05M1.61M5.23M11.18M15.19M9.37M7.07M4.69M7.85M5.75M5.05M5.32M
Free Cash Flow1.30M5.40M2.70M2.30M5.90M-5.00M30.48M11.69M8.13M68.81M15.08M23.32M10.41M13.04M8.63M11.37M20.01M7.79M15.25M22.65M38.38M36.53M33.38M29.65M36.68M43.69M47.15M55.85M85.35M96.16M102.18M101.49M90.72M154.00M
Dividends Paid700.00K1.00M1.20M1.40M2.10M2.80M3.33M4.68M5.21M5.77M6.14M5.98M6.11M6.11M6.16M6.17M6.18M6.20M6.21M7.05M7.07M7.67M8.45M9.01M10.63M11.84M14.07M17.56M20.14M22.22M27.02M29.43M31.84M43.28M
FCF to OCF86.67%91.53%72.97%71.88%80.82%208.33%91.72%73.93%80.41%97.89%78.32%91.80%88.69%90.22%71.37%89.14%90.41%74.71%88.54%85.10%91.39%87.72%91.62%94.84%87.51%79.62%75.64%85.63%92.35%95.35%92.86%94.64%94.73%96.66%
Dividend Paid to FCF53.85%18.52%44.44%60.87%35.59%-56.00%10.92%40.06%64.13%8.38%40.69%25.66%58.71%46.85%71.43%54.30%30.87%79.56%40.74%31.11%18.42%21.00%25.32%30.38%28.98%27.10%29.85%31.43%23.59%23.11%26.44%29.00%35.10%28.10%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002May 1, 2003Jul 31, 2003Oct 30, 2003Jan 29, 2004Apr 29, 2004Jul 29, 2004Oct 27, 2004Feb 4, 2005Apr 27, 2005Jul 29, 2005Nov 1, 2005Feb 1, 2006Apr 25, 2006Aug 1, 2006Nov 1, 2006Jan 31, 2007May 3, 2007Jul 25, 2007Oct 30, 2007Jan 30, 2008Apr 24, 2008Jul 24, 2008Oct 28, 2008Jan 27, 2009Apr 30, 2009Jul 27, 2009Oct 29, 2009Jan 27, 2010May 3, 2010Jul 26, 2010Oct 26, 2010Feb 1, 2011Apr 28, 2011Jul 26, 2011Nov 1, 2011Jan 31, 2012May 1, 2012Jul 30, 2012Oct 29, 2012Jan 29, 2013Apr 30, 2013Jul 29, 2013Oct 29, 2013Jan 28, 2014Apr 28, 2014Jul 28, 2014Oct 27, 2014Jan 26, 2015Apr 27, 2015Jul 27, 2015Oct 26, 2015Jan 25, 2016Apr 28, 2016Jul 25, 2016Oct 31, 2016Jan 30, 2017Apr 24, 2017Jul 31, 2017Oct 30, 2017Jan 29, 2018Apr 30, 2018Jul 30, 2018Oct 29, 2018Jan 28, 2019Apr 29, 2019Jul 29, 2019Oct 28, 2019Jan 27, 2020May 6, 2020Jul 27, 2020Oct 26, 2020Jan 25, 2021Apr 26, 2021Jul 26, 2021Oct 25, 2021Jan 31, 2022Apr 25, 2022Jul 25, 2022Oct 31, 2022Jan 30, 2023Apr 24, 2023Jul 31, 2023Oct 30, 2023Jan 29, 2024Apr 29, 2024Jul 29, 2024Oct 28, 2024Jan 27, 2025Apr 28, 2025Jul 28, 2025Oct 27, 2025Jan 26, 2026Apr 27, 2026Jul 27, 2026Oct 26, 2026
EPS Estimate---------------------------------0.14--0.170.170.160.160.180.180.170.130.180.180.190.180.200.200.200.210.260.260.270.270.310.310.290.290.310.310.320.320.330.350.340.350.370.360.360.370.420.420.400.420.440.420.480.490.560.530.560.560.580.590.450.360.510.580.650.630.720.740.690.710.810.840.800.680.690.670.640.620.700.700.660.830.870.910.880.921.01
EPS Actual0.140.140.120.130.140.140.120.140.14-0.100.130.140.130.100.140.130.130.120.140.120.130.090.120.140.140.040.150.150.150.150.160.150.170.150.090.160.150.170.180.190.200.200.180.170.190.200.190.210.210.190.250.260.270.290.290.310.330.330.310.350.340.330.320.340.390.390.370.370.390.390.250.430.450.440.420.430.420.410.510.510.560.530.620.620.550.600.470.540.550.790.740.900.810.730.310.820.830.830.710.750.730.730.640.690.710.780.300.860.920.950.881.02-
Surprise---------------------------------7.14%---11.76%0.00%12.50%18.75%11.11%11.11%5.88%30.77%5.56%11.11%0.00%16.67%5.00%-5.00%25.00%23.81%3.85%11.54%7.41%14.81%6.45%6.45%6.90%20.69%9.68%6.45%0.00%6.25%18.18%11.43%8.82%5.71%5.41%8.33%-30.56%16.22%7.14%4.76%5.00%2.38%-4.55%-2.38%6.25%4.08%0.00%0.00%10.71%10.71%-5.17%1.69%4.44%50.00%7.84%36.21%13.85%42.86%12.50%-1.35%-55.07%15.49%2.47%-1.19%-11.25%10.29%5.80%8.96%0.00%11.29%1.43%11.43%-54.55%3.61%5.75%4.40%0.00%10.87%-
Timing---------------------------------After-hours----Pre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.86B
Enterprise Value1.94B
Trailing P/E13.03
Forward P/E12.84
PEG Ratio1.46
Price / Sales4.90
Price / Book1.52
EPS3.80
Book Value32.24
Revenue (TTM)379.75M
Gross Profit (TTM)379.75M
Profit Margin37.41%
Operating Margin52.18%
Return on Equity12.46%
Return on Assets1.70%
Shares Outstanding37.58M
Shares Float36.48M
Beta0.57
Dividend Yield2.48%
Dividend Rate1.22
Payout Ratio32.36%

Analyst Ratings

Buy
Based on 5 analystsTarget 56.20
  • Strong Buy
    2
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
54.76%
Insiders
3.24%
Retail / Other
42.00%

Top Institutional Holders

  • BlackRock Inc
    2.71M7.20%
  • Franklin Templeton Inc
    1.88M5.00%
  • Vanguard Capital Management, LLC
    1.52M4.05%
  • Dimensional Fund Advisors, Inc.
    1.27M3.37%
  • Charles Schwab Investment Management Inc
    1.15M3.07%
  • German American Bancorp Inc
    951.40K2.53%
  • Geode Capital Management, LLC
    939.96K2.50%
  • State Street Corp
    919.06K2.45%
  • Royce & Associates, LP
    548.45K1.46%
  • Champlain Investment Partners, LLC
    520.66K1.39%
  • Vanguard Portfolio Management, LLC
    493.31K1.31%
  • The Goldman Sachs Group Inc
    446.39K1.19%

Top Fund Holders

  • Franklin Small Cap Value A
    1.19M3.18%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.09M2.89%
  • Schwab US Dividend Equity ETF™
    1.03M2.74%
  • iShares Russell 2000 ETF
    969.24K2.58%
  • Fidelity Small Cap Index
    405.44K1.08%
  • Royce Small-Cap Total Return Invmt
    402.32K1.07%
  • iShares Russell 2000 Value ETF
    351.19K0.93%
  • Franklin Small Cap Value VIP 1
    327.80K0.87%

Dividends

20264×
0.31Nov 10, 20260.31Aug 10, 20260.31May 8, 20260.31Feb 10, 2026
20254×
0.29Nov 10, 20250.29Aug 8, 20250.29May 9, 20250.29Feb 10, 2025
20244×
0.27Nov 8, 20240.27Aug 9, 20240.27May 9, 20240.27Feb 8, 2024
20234×
0.25Nov 9, 20230.25Aug 9, 20230.25May 9, 20230.25Feb 9, 2023
20224×
0.23Nov 9, 20220.23Aug 9, 20220.23May 9, 20220.23Feb 9, 2022
20214×
0.21Nov 9, 20210.21Aug 9, 20210.21May 7, 20210.21Feb 9, 2021

Stock Splits

  • Apr 24, 20173:2
  • Nov 26, 200321:20
  • Nov 26, 200221:20
  • Nov 28, 200121:20
  • Nov 28, 200021:20
  • Nov 26, 199921:20
  • Nov 25, 199821:20
  • Nov 25, 199721:20
  • Nov 3, 19972:1
  • Nov 6, 199621:20
  • Nov 21, 199521:20
  • Sep 13, 19933:2