GABC - NASDAQ

German American Bancorp, Inc.

GABC·NASDAQ

$42.68

-1.2%

Financial ServicesBanks - Regional

German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. 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. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.60B

EPS3.0600

P/E Ratio13.95

Earnings Date07/27/2026

8.39B

Assets

33%

3Y+36.0%

5Y+69.0%

10Y+184.0%

7.23B

Total Liabilities

29%

3Y+29.0%

5Y+66.0%

10Y+175.0%

1.16B

Total Equity

63%

3Y+108.0%

5Y+86.0%

10Y+252.0%

German American Bancorp, Inc. Funding & Solvency Profile

GABC · NASDAQ

Current Assets

Cash & Cash Equivalents71.93M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets1 B

Non-Current Assets

Property, Plant & Equipment139.00M

Goodwill & Intangible Assets409.26M

Long-Term Investments6.30B

Other Non-Current Assets305.62M

Total Non-Current Assets7 B

Total Assets

8.39B

Financial Health Analysis

Current Ratio

0.18x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.22x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-5799515000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

German American Bancorp, Inc. Balance Sheet

GABC • NASDAQ

German American Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	71.9M	69.7M	79.3M	76M	47.9M	59.2M	62M	64.5M	47.3M	48.5M	36.1M	33.6M	37.5M	44.3M	34.4M	15M	16.1M	17.2M	25.3M	24.2M
Short-Term Investments	1.2B	1.1B	1.6B	1.8B	1.9B	1.2B	854.8M	812.6M	740.6M	709.8M	637.8M	631M	606M	587.6M	516.8M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	1.2B	1.1B	1.7B	1.8B	1.9B	1.3B	916.8M	877.4M	787.9M	758.3M	673.9M	664.6M	643.5M	631.9M	551.2M	15M	16.1M	17.2M	25.3M	24.2M
Net Receivables	0.0	0.0	0.0	124M	43.5M	44M	44.2M	35.3M	30.5M	25.9M	22M	22M	14.7M	62.3M	61.1M	17.9M	17.3M	11.7M	14.5M	16.4M
Accounts Receivables	0.0	0.0	0.0	124M	43.5M	44M	44.2M	35.3M	30.5M	25.9M	22M	22M	14.7M	62.3M	61.1M	17.9M	17.3M	11.7M	14.5M	16.4M
Total Current Assets	1.2B	1.1B	1.7B	2B	2B	1.3B	961M	912.7M	818.4M	784.2M	695.9M	686.6M	658.2M	694.2M	612.3M	33M	33.3M	28.9M	39.8M	40.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	139M	104M	106.8M	112.2M	88.9M	96.6M	96.7M	80.6M	54.2M	48.2M	37.8M	39.9M	40.4M	36.6M	37.7M	26M	22.2M	22.3M	22.8M	23.2M
Goodwill	375.5M	179M	180.4M	180.4M	121.8M	122M	121.3M	103.7M	54.1M	54.1M	20.5M	20.5M	20.5M	18.9M	18.9M	9.8M	9.7M	9.7M	9.7M	9.7M
Intangible Assets	33.8M	4M	6.3M	9.4M	5.8M	9M	12.7M	10M	2.1M	2.8M	1.3M	2.1M	3.3M	2.7M	4.3M	2.6M	2.6M	3.1M	4M	4.9M
Goodwill & Intangible Assets	409.3M	183M	186.7M	189.8M	127.6M	130.9M	134M	113.6M	56.2M	56.9M	21.8M	22.6M	23.9M	21.6M	23.2M	12.5M	12.3M	12.8M	13.7M	14.6M
Long-Term Investments	6.3B	4.6B	3.9B	3.7B	3B	3.1B	3.1B	2.7B	2.1B	2B	1.6B	1.4B	1.4B	1.2B	1.1B	1.3B	1.1B	1.1B	1B	976.1M
Other Non-Current Assets	305.6M	332.7M	249.7M	142.6M	432.8M	370.5M	127.2M	105.2M	82.6M	76.3M	57.4M	48.4M	64M	47.7M	72.7M	40.4M	49M	63.6M	37.3M	38.9M
Total Non-Current Assets	7.2B	5.2B	4.5B	4.2B	3.6B	3.7B	3.4B	3B	2.3B	2.2B	1.7B	1.6B	1.5B	1.3B	1.3B	1.3B	1.2B	1.2B	1.1B	1.1B
Total Assets	8.4B	6.3B	6.2B	6.2B	5.6B	5B	4.4B	3.9B	3.1B	3B	2.4B	2.2B	2.2B	2B	1.9B	1.4B	1.2B	1.2B	1.1B	1.1B
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	43.7M	43.6M	51.8M	44.1M	21.4M	20.5M	18.1M	21.7M	22.5M	10.8M	19.3M	19M	13.4M	11.7M	12.2M	13M	13.5M
Accounts Payable	0.0	0.0	0.0	43.7M	43.6M	51.8M	44.1M	21.4M	20.5M	18.1M	21.7M	22.5M	10.8M	19.3M	19M	13.4M	11.7M	12.2M	13M	13.5M
Short Term Debt	43.9M	56.9M	66M	101.2M	68.3M	52.9M	167.7M	249.8M	133.5M	137.6M	178.3M	141.5M	53.5M	71.5M	40M	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	7B	5.3B	5.3B	5.4B	4.7B	4.1B	3.4B	3.1B	2.5B	2.3B	1.8B	1.8B	1.8B	1.6B	1.6B	1.1B	969.6M	941.8M	877.4M	867.6M
Total Current Liabilities	7B	5.4B	5.3B	5.5B	4.9B	4.2B	3.6B	3.3B	2.6B	2.5B	2B	1.9B	1.9B	1.7B	1.6B	1.1B	981.3M	954M	890.4M	881.1M
NON-CURRENT LIABILITIES
Long Term Debt	136.7M	150.9M	125.3M	99.8M	80.8M	138.4M	178.6M	123.1M	138.1M	116.8M	91.7M	60.6M	83.5M	87.2M	88.6M	153.7M	148.1M	131.7M	144.2M	119.9M
Other Non-Current Liabilities	54M	41.6M	41.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	192.9M	194.9M	169.7M	102.6M	83.9M	141.6M	182M	126.6M	141.7M	120.6M	95.6M	64.6M	87.2M	89.5M	91M	153.7M	148.1M	131.7M	144.2M	119.9M
Capital Lease Obligations	2.1M	2.4M	2.6M	2.9M	3.1M	3.2M	3.4M	3.5M	3.7M	3.8M	3.9M	4M	3.7M	2.3M	2.4M	0.0	0.0	0.0	0.0	0.0
Total Liabilities	7.2B	5.6B	5.5B	5.6B	4.9B	4.4B	3.8B	3.5B	2.8B	2.6B	2.1B	2B	2B	1.8B	1.7B	1.3B	1.1B	1.1B	1B	1B
SHAREHOLDERS' EQUITY
Common Stock	37.5M	29.7M	29.6M	29.5M	26.6M	26.5M	26.7M	25M	22.9M	15.3M	13.3M	13.2M	13.2M	12.6M	12.6M	0.0	0.0	0.0	0.0	0.0
Additional Paid-In Capital	706.8M	392.3M	389.4M	387.2M	276.1M	274.4M	279M	229.3M	165.3M	171.7M	110.1M	108.7M	108M	95.6M	95M	80.4M	79.9M	79.4M	79.4M	79.2M
Retained Earnings	582.9M	513.6M	461.6M	405.2M	350.4M	288.4M	253.1M	211.4M	179M	149.7M	125.1M	104.1M	84.2M	66.4M	49.4M	36.2M	29M	23M	16.7M	13.5M
Accumulated Other Comprehensive Income/Loss	-164.9M	-220.5M	-217.1M	-263.4M	15.5M	35.4M	15.1M	-7.1M	-2.6M	-6.4M	3.8M	2.9M	-5.3M	10.4M	10.5M	4.9M	4.6M	2.8M	998K	-283K
Total Stockholders' Equity	1.2B	715.1M	663.6M	558.4M	668.5M	624.7M	573.8M	458.6M	364.6M	330.3M	252.3M	228.8M	200.1M	185M	167.6M	121.5M	113.5M	105.2M	97.1M	92.4M
Total Equity	1.2B	715.1M	663.6M	558.4M	668.5M	624.7M	573.8M	458.6M	364.6M	330.3M	252.3M	228.8M	200.1M	185M	167.6M	121.5M	113.5M	105.2M	97.1M	92.4M
SUMMARY
Total Liabilities & Equity	8.4B	6.3B	6.2B	6.2B	5.6B	5B	4.4B	3.9B	3.1B	3B	2.4B	2.2B	2.2B	2B	1.9B	1.4B	1.2B	1.2B	1.1B	1.1B
Total Investments	7.5B	5.6B	5.5B	5.5B	4.9B	4.3B	3.9B	3.5B	2.9B	2.7B	2.2B	2.1B	2B	1.8B	1.6B	1.3B	1.1B	1.1B	1B	976.1M
Total Debt	182.7M	210.1M	193.9M	203.8M	152.2M	194.5M	349.7M	376.4M	275.2M	258.1M	273.3M	206.1M	140.8M	161M	131M	153.7M	148.1M	131.7M	144.2M	119.9M
Net Debt	110.8M	140.4M	114.6M	127.8M	104.3M	135.3M	289.7M	311.9M	228M	209.6M	237.3M	172.5M	103.3M	116.7M	96.6M	138.7M	132.1M	114.5M	118.9M	95.7M
Shares Outstanding	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800	37,491,800

SEC Filings

GABC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 06, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 18, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 05, 2026	March 02, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 10, 2026	February 10, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 26, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 18, 2025	November 18, 2025	2025	View Filing

Showing 1 to 10 of 500 filings

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