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German American Bancorp

GABC

German American Bancorp, Inc. is a financial holding company that provides a comprehensive suite of banking, investment, and wealth management services.

Market cap
$1.92B+31.7%
Revenue$376.1M+37.3%
Net income$135.3M+79.6%
Free cash flow$153.3M+46.3%
EPS (diluted)$3.62+45.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$102.1M
EPS estimate$0.94

Financials

Q1 2026

Income statement

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Revenue$96.1M+18.0%
Net income$33.2M+215%
EPS (diluted)$0.88+193%

Balance sheet

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Cash & equivalents$123.9M-72.0%
Total debt$7.5M+14.4%
Total equity$1.2B+12.3%
Total assets$8.4B-0.4%

Cash flow

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Operating cash flow$37.0M-2.3%
CapEx$1.1M-14.9%
Free cash flow$36.0M-1.9%

Valuation & ratios

Valuation

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Market cap$1.83B+31.7%
Enterprise value$1.72B+31.0%
P/E13.6×-3.9×
P/S4.9×-0.2×

Profitability

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Net margin36%+8.5pp
FCF margin40.8%+2.5pp

Returns & leverage

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Return on equity12.2%+3.3pp
Debt / equity0.0×

Competitors

Profile

German American Bancorp, Inc. is a financial holding company that provides a comprehensive suite of banking, investment, and wealth management services. The company operates through a network of banking offices in Indiana, Kentucky, and Ohio, focusing on community-based relationship banking. Its core value proposition centers on local market expertise and a commitment to supporting regional economic growth through integrated financial solutions.

Competitive position

A regional community bank that has expanded its footprint through strategic acquisitions, such as Heartland BancCorp, to establish a significant presence in the Midwest.

GeographiesIndiana, Kentucky, Ohio, United States
Customer segmentsRetail, Commercial, Agricultural
Business modelInterest-based lending, Fee-based financial services, Asset management
SuppliersDepositors, Federal Reserve System, Technology and Core Banking Software Providers, Capital Markets
CustomersHomeowners, Small Business Owners, Farmers, Commercial Real Estate Investors, Wealth Management Clients
Listed1993
Employees840.0
CEOD. Neil Dauby
FilingsSEC EDGAR

Questions, answered.

What is German American Bancorp's market cap?
German American Bancorp (GABC) has a market capitalization of $1.9B and trades on NASDAQ.
What is German American Bancorp's revenue and profitability?
German American Bancorp generated $376.1M in trailing twelve-month revenue with net income of $135.3M, representing a net margin of 36.0%, with free cash flow of $153.3M. These figures are based on the Q1 2026 filing.
Who are German American Bancorp's competitors?
German American Bancorp's key competitors include JPMorgan Chase & Co., Fifth Third Bancorp, Huntington Bancshares, and others. These companies compete in similar markets and product categories.
Who does German American Bancorp partner with?
German American Bancorp's notable partners include The Hilb Group of Indiana, LLC, Quantum Workplace.
What subsidiaries does German American Bancorp have?
German American Bancorp's subsidiaries include German American Bank, German American Investment Services, Inc., Heartland Bank.
Where is German American Bancorp headquartered?
German American Bancorp is headquartered in United States of America and employs approximately 840 people. It has been publicly traded since 1993.