GABC - NASDAQ
German American Bancorp, Inc.
$42.68
-1.2%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.
At a Glance
Live SnapshotGerman American Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
German American Bancorp, Inc. Income Statement
GABC • NASDAQ
| German American Bancorp, Inc. Income Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
487.4M | 315.4M | 316.9M | 278.1M | 229.8M | 228.8M | 222M | 170.8M | 142.9M | 135.4M | 109.1M | 104.3M | 99.3M | 99M | 101.7M | 81.1M | 79.6M | 86.1M | 88M | 79.6M | |
GROSS PROFIT | ||||||||||||||||||||
(145.4M) | (103.2M) | (68.8M) | (24.7M) | (3M) | (36.7M) | (36.6M) | (21.2M) | (12.9M) | (9.7M) | (6.1M) | (6.2M) | (7.5M) | (13.3M) | (23M) | (20.7M) | (23M) | (30.9M) | (37.2M) | (28.3M) | |
342M | 212.2M | 248.1M | 253.4M | 226.8M | 192.2M | 185.4M | 149.6M | 130M | 125.7M | 103M | 98.1M | 91.8M | 85.6M | 78.8M | 60.5M | 56.6M | 55.2M | 50.7M | 51.3M | |
OPERATING INCOME | ||||||||||||||||||||
(201.9M) | (108.1M) | (144.5M) | (154.2M) | (124M) | (117.1M) | (114.2M) | (93.6M) | (77.8M) | (76.6M) | (61.3M) | (57.7M) | (54.9M) | (50.9M) | (50.8M) | (41.4M) | (40.4M) | (36.7M) | (37.2M) | (37.1M) | |
(127.4M) | (89.1M) | (90.9M) | (90.4M) | (74.2M) | (72.4M) | (68.6M) | (55.8M) | (51.1M) | (47.8M) | (39.9M) | (35.8M) | (34.4M) | (31.9M) | (31M) | (24.8M) | (26.7M) | (23.9M) | (24.6M) | (24.7M) | |
140.1M | 104.1M | 103.6M | 99.2M | 102.8M | 75M | 71.2M | 56.1M | 52.2M | 49.1M | 41.7M | 40.4M | 36.9M | 34.7M | 28M | 19M | 16.2M | 18.4M | 13.5M | 14.2M | |
PRE-TAX INCOME | ||||||||||||||||||||
(126M) | (100.5M) | (66.2M) | (18.3M) | (9.5M) | (19.1M) | (31.2M) | (19.1M) | (11.1M) | (8.5M) | (6.1M) | (6M) | (7.2M) | (10.9M) | (16.2M) | (15.5M) | (19.2M) | (26.9M) | (33.6M) | (27.4M) | |
294.1M | 190.6M | 190.4M | 200.6M | 160.8M | 155.2M | 145.2M | 114.6M | 99.9M | 94.9M | 75.6M | 74.3M | 68.5M | 66.2M | 64M | 48.7M | 44.5M | 40.9M | 38.6M | 36.2M | |
(74.6M) | (19M) | (53.6M) | (63.8M) | (49.8M) | (44.7M) | (45.5M) | (37.7M) | (26.7M) | (28.8M) | (21.5M) | (21.9M) | (20.5M) | (19M) | (19.8M) | (16.6M) | (13.7M) | (12.6M) | (12.6M) | (12.4M) | |
140.1M | 104.1M | 103.6M | 99.2M | 102.8M | 75M | 71.2M | 56.1M | 52.2M | 49.1M | 41.7M | 40.4M | 36.9M | 34.7M | 28M | 19M | 16.2M | 18.4M | 13.5M | 14.2M | |
NET INCOME | ||||||||||||||||||||
(27.4M) | (20.3M) | (17.8M) | (17.4M) | (18.6M) | (12.8M) | (12M) | (9.5M) | (11.5M) | (13.9M) | (11.6M) | (12.1M) | (11.5M) | (10.7M) | (7.7M) | (5.6M) | (4M) | (5.6M) | (4.1M) | (4M) | |
112.6M | 83.8M | 85.9M | 81.8M | 84.1M | 62.2M | 59.2M | 46.5M | 40.7M | 35.2M | 30.1M | 28.3M | 25.4M | 24.1M | 20.2M | 13.4M | 12.2M | 12.8M | 9.4M | 10.2M |
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 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 18, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 05, 2026 | March 02, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 10, 2026 | February 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 18, 2025 | November 18, 2025 | 2025 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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