GABC German American Bancorp, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$49.40
· of 52w range
· above low
· to high
$37.1952w low
$52.2352w high
Market Cap (MRQ)
$1.86B
P/E (TTM)
12.9
EPS (TTM)
$3.82
Revenue (TTM)
$503M
your badges
52W Range
$37–$52
Analyst Rating
BUY
Price Target
$56
P/E
12.9
ROE
12.5%
Net Profit Margin
28.2%
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GABC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$49.40
Market Cap (MRQ)
$1.86B
P/E (TTM)
12.9
EPS (TTM)
$3.82
Revenue (TTM)
$503M
Div Yield
2.3%
ROE (TTM)
12.5%
52W Range
$37–$52
GABC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| April 24, 2017 | 3-for-2 | Forward |
| Nov. 26, 2003 | 21-for-20 | Forward |
| Nov. 26, 2002 | 21-for-20 | Forward |
| Nov. 28, 2001 | 21-for-20 | Forward |
| Nov. 28, 2000 | 21-for-20 | Forward |
| Nov. 26, 1999 | 21-for-20 | Forward |
| Nov. 25, 1998 | 21-for-20 | Forward |
| Nov. 25, 1997 | 21-for-20 | Forward |
| Nov. 3, 1997 | 2-for-1 | Forward |
| Nov. 6, 1996 | 21-for-20 | Forward |
| Nov. 21, 1995 | 21-for-20 | Forward |
| Sept. 13, 1993 | 3-for-2 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$487M2022-12-31 → 2025-12-31
EPS$3.062016-12-31 → 2025-12-31
Free Cash Flow$154M2016-12-31 → 2025-12-31
Net margin28.2%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | GABC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 12.95Y avg ≈12.8 | ≈12.8 | 12.4 | Fair value | |
| P/S (TTM) | 3.75Y avg ≈7.7 | ≈7.7 | 3.8 | Undervalued | |
| P/B (MRQ) | 1.55Y avg ≈1.6 | ≈1.6 | 1.3 | Overvalued | |
| Price / FCF (TTM) | 10.25Y avg ≈10.7 | ≈10.7 | · | · | |
| Price / Cash Flow (TTM) | 9.85Y avg ≈10.2 | ≈10.2 | 9.5 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.65Y avg ≈2.2 | ≈2.2 | · | · | |
| PEG Ratio | ≈2.3 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | GABC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 35.3%5Y avg ≈36.9% | ≈36.9% | 44.6% | Weak | |
| Net Profit Margin (TTM) | 28.2%5Y avg ≈30.2% | ≈30.2% | 34.5% | Weak | |
| ROA (TTM) | 1.7%5Y avg ≈1.5% | ≈1.5% | 1.4% | In line | |
| ROE (TTM) | 12.5%5Y avg ≈12.8% | ≈12.8% | 10.0% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | GABC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 37.8%5Y avg ≈21.1% | ≈21.1% | · | · | |
| Revenue CAGR 3Y | 20.6% | · | · | · | |
| EPS YoY | 8.1%5Y avg ≈6.6% | ≈6.6% | · | · | |
| Net Income YoY | 34.4%5Y avg ≈13.9% | ≈13.9% | · | · | |
| EPS CAGR 3Y | 3.2%5Y avg ≈2.4% | ≈2.4% | · | · | |
| EPS CAGR 5Y | 5.5% | · | · | · | |
| Net Income CAGR 3Y | 11.2%5Y avg ≈7.5% | ≈7.5% | · | · | |
| Net Income CAGR 5Y | 12.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | GABC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.15Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier | |
| Revenue / Employee | ≈$495.3K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.3%
Payout Ratio38.4%
Annualized Payout≈$1.24
5Y Div CAGR≈8.8%
Growth Streak≈13
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 10, 2026 | $0.31 | USD | ≈2.5% |
| May 8, 2026 | $0.31 | USD | ≈2.8% |
| Feb 10, 2026 | $0.31 | USD | ≈2.7% |
| Nov 10, 2025 | $0.29 | USD | ≈2.9% |
| Aug 8, 2025 | $0.29 | USD | ≈3.0% |
| May 9, 2025 | $0.29 | USD | ≈2.9% |
| Feb 10, 2025 | $0.29 | USD | ≈2.8% |
| Nov 8, 2024 | $0.27 | USD | ≈2.4% |
| Aug 9, 2024 | $0.27 | USD | ≈2.8% |
| May 9, 2024 | $0.27 | USD | ≈3.2% |
| Feb 8, 2024 | $0.27 | USD | ≈3.2% |
| Nov 9, 2023 | $0.25 | USD | ≈3.6% |
| Aug 9, 2023 | $0.25 | USD | ≈3.2% |
| May 9, 2023 | $0.25 | USD | ≈3.6% |
| Feb 9, 2023 | $0.25 | USD | ≈2.4% |
| Nov 9, 2022 | $0.23 | USD | ≈2.4% |
| Aug 9, 2022 | $0.23 | USD | ≈2.4% |
| May 9, 2022 | $0.23 | USD | ≈2.5% |
| Feb 9, 2022 | $0.23 | USD | ≈2.2% |
| Nov 9, 2021 | $0.21 | USD | ≈2.0% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
5.3%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 27, 2026 | $1.02 | $0.94 | 8.2% |
| March 31, 2026 | $0.88 | $0.91 | -2.9% | |
| Dec. 31, 2025 | $0.96 | $0.92 | 4.0% | |
| Sept. 30, 2025 | $0.92 | $0.89 | 3.3% | |
| June 30, 2025 | $0.86 | $0.84 | 2.3% | |
| March 31, 2025 | $0.79 | $0.67 | 17.2% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $487M | $354M | $317M | $278M | |
| Interest Expense | · | · | $66M | $18M | |
| Interest Income | $420M | $291M | $257M | $219M | |
| Pretax Income | $140M | $104M | $104M | $99M | |
| Income Tax | $27M | $20M | $18M | $17M | |
| Net Income | $113M | $84M | $86M | $82M | |
| EPS (Basic) | $3.06 | $2.83 | $2.91 | $2.78 | |
| EPS (Diluted) | $3.06 | $2.83 | $2.91 | $2.78 | |
| Shares (Basic) | 36,796,342 | 29,656,416 | 29,557,567 | 29,464,591 | |
| Shares (Diluted) | 36,796,342 | 29,656,416 | 29,557,567 | 29,464,591 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Goodwill | $375M | $179M | $180M | $180M | |
| Intangibles | $34M | $4M | $6M | $9M | |
| Total Assets | $8.39B | $6.30B | $6.15B | $6.16B | |
| Total Liabilities | $7.23B | $5.58B | $5.49B | $5.60B | |
| Long-term Debt | $100M | $115M | $90M | $64M | |
| Common Stock | $37M | $30M | $30M | $29M | |
| Retained Earnings | $583M | $514M | $462M | $405M | |
| AOCI | $-165M | $-220M | $-217M | $-263M | |
| Stockholders' Equity | $1.16B | $715M | $664M | $558M | |
| Liabilities + Equity | $8.39B | $6.30B | $6.15B | $6.16B | |
| Shares Outstanding | 37,495,679 | 29,677,093 | 29,584,709 | 29,493,193 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| D&A | $19M | $9M | $10M | $10M | |
| Stock-based Comp | $3M | $3M | $2M | $2M | |
| Amort. of Intangibles | $10M | $2M | $3M | $4M | |
| Operating Cash Flow | $159M | $96M | $107M | $110M | |
| CapEx | $5M | $5M | $6M | $8M | |
| Investing Cash Flow | $-60M | $-82M | $27M | $-24M | |
| Debt Issued | $25M | $75M | $25M | $0 | |
| Net Debt Issued | $-39M | $25M | $25M | $-42M | |
| Dividends Paid | $43M | $32M | $29M | $27M | |
| Financing Cash Flow | $-169M | $60M | $-137M | $-364M | |
| Net Change in Cash | $-70M | $73M | $-2M | $-278M | |
| Free Cash Flow | $154M | $91M | $101M | $102M | |
| Levered FCF | · | · | $47M | $87M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Net Margin | 23.1% | 23.7% | 34.3% | 31.5% | |
| Pretax Margin | 28.7% | 29.4% | 41.3% | 38.2% | |
| ROA | 1.5% | 1.4% | 1.4% | 1.4% | |
| ROE | 10.1% | 11.5% | 14.3% | 15.5% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Book Value / Share | $31.00 | $24.09 | $22.43 | $18.93 | |
| Revenue / Share | $13.25 | $11.93 | $8.48 | $8.81 | |
| Cash Flow / Share | $4.33 | $3.23 | $3.63 | $3.73 | |
| Dividend / Share | $1.16 | $1.08 | $1.00 | $0.92 | |
| Dividend Paid / Share | · | · | $1.00 | $0.92 | |
| EPS (TTM) | $3.06 | $2.83 | $2.91 | $2.78 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue YoY | 37.8% | 11.6% | 14.0% | · | |
| Revenue CAGR 3Y | 20.6% | · | · | · | |
| EPS YoY | 8.1% | -2.8% | 4.7% | -12.3% | |
| EPS CAGR 3Y | 3.2% | -3.7% | 7.5% | · | |
| EPS CAGR 5Y | 5.5% | · | · | · | |
| Net Income YoY | 34.4% | -2.4% | 5.0% | -2.8% | |
| Net Income CAGR 3Y | 11.2% | -0.13% | 11.3% | · | |
| Net Income CAGR 5Y | 12.6% | · | · | · | |
| Dividends Paid CAGR 5Y | 16.5% | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue TTM | $487M | $354M | $317M | $278M | |
| Net Income TTM | $113M | $84M | $86M | $82M | |
| Market Cap | $1.47B | $1.19B | $959M | $1.10B | |
| P/E | 12.8 | 14.2 | 11.1 | 13.4 | |
| P/S | 3.0 | 3.4 | 3.0 | 4.0 | |
| P/B | 1.3 | 1.7 | 1.4 | 2.0 | |
| P / Tangible Book | 2.0 | 2.2 | 2.0 | 3.0 | |
| P / Cash Flow | 9.2 | 12.5 | 8.9 | 10.0 | |
| P / FCF | 9.5 | 13.2 | 9.4 | 10.8 | |
| Dividend Yield | 2.9% | 2.7% | 3.1% | 2.5% | |
| Earnings Yield | 7.8% | 7.0% | 9.0% | 7.4% | |
| Payout Ratio | 38.4% | 38.0% | 34.3% | 33.0% | |
| Annual Payout | $43M | $32M | $29M | $27M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $127M | $123M | $127M | $127M | $123M | $111M | $91M | $88M | $90M | $84M | · | · | · | · | · | · | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $23M | · | $18M | $15M | $11M | · | $5M | |
| Interest Income | $108M | $106M | $109M | $108M | $106M | $96M | $77M | $75M | $72M | $68M | $67M | $66M | $64M | $60M | $61M | $57M | |
| Pretax Income | $48M | $42M | $44M | $44M | $39M | $13M | $29M | $26M | $27M | $23M | $25M | $26M | $27M | $25M | $30M | $31M | |
| Income Tax | $10M | $9M | $8M | $9M | $8M | $3M | $5M | $5M | $6M | $4M | $4M | $5M | $5M | $4M | $6M | $6M | |
| Net Income | $38M | $33M | $36M | $35M | $31M | $11M | $23M | $21M | $21M | $19M | $22M | $21M | $22M | $21M | $24M | $25M | |
| EPS (Basic) | $1.02 | $0.88 | $0.98 | $0.94 | $0.84 | $0.30 | $0.79 | $0.71 | $0.69 | $0.64 | $0.72 | $0.73 | $0.75 | $0.71 | $0.83 | $0.83 | |
| EPS (Diluted) | $1.02 | $0.88 | $0.98 | $0.94 | $0.84 | $0.30 | $0.79 | $0.71 | $0.69 | $0.64 | $0.72 | $0.73 | $0.75 | $0.71 | $0.83 | $0.83 | |
| Shares (Basic) | 37,564,295 | 37,517,833 | · | 37,493,028 | 37,479,342 | 34,680,719 | · | 29,679,464 | 29,667,770 | 29,599,491 | · | 29,573,461 | 29,573,042 | 29,507,446 | · | 29,484,394 | |
| Shares (Diluted) | 37,564,295 | 37,517,833 | · | 37,493,028 | 37,479,342 | 34,680,719 | · | 29,679,464 | 29,667,770 | 29,599,491 | · | 29,573,461 | 29,573,042 | 29,507,446 | · | 29,484,394 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Goodwill | $375M | $375M | $375M | $375M | $378M | $377M | $179M | $179M | $179M | $180M | $180M | $180M | $180M | $180M | $180M | $180M | |
| Intangibles | $29M | $31M | $34M | $36M | $39M | $42M | $4M | $5M | $5M | $6M | · | $7M | $8M | $9M | · | $10M | |
| Total Assets | $8.44B | $8.38B | $8.39B | $8.40B | $8.28B | $8.42B | $6.30B | $6.26B | $6.22B | $6.11B | $6.15B | $6.01B | $6.05B | $6.00B | $6.16B | $6.26B | |
| Total Liabilities | $7.23B | $7.21B | $7.23B | $7.28B | $7.21B | $7.37B | $5.58B | $5.52B | $5.53B | $5.46B | · | $5.47B | $5.45B | $5.39B | · | $5.77B | |
| Long-term Debt | · | · | $100M | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Common Stock | $38M | $38M | $37M | $37M | $37M | $37M | $30M | $30M | $30M | $30M | · | $30M | $30M | $30M | · | $29M | |
| Retained Earnings | $631M | $605M | $583M | $558M | $534M | $513M | $514M | $498M | $485M | $473M | · | $447M | $433M | $419M | · | $388M | |
| AOCI | $-165M | $-175M | $-165M | $-182M | $-208M | $-210M | $-220M | $-175M | $-218M | $-237M | · | $-328M | $-249M | $-230M | · | $-309M | |
| Stockholders' Equity | $1.21B | $1.17B | $1.16B | $1.12B | $1.07B | $1.05B | $715M | $745M | $688M | $655M | $664M | $538M | $603M | $605M | $558M | $495M | |
| Liabilities + Equity | $8.44B | $8.38B | $8.39B | $8.40B | $8.28B | $8.42B | $6.30B | $6.26B | $6.22B | $6.11B | · | $6.01B | $6.05B | $6.00B | · | $6.26B | |
| Shares Outstanding | 37,576,750 | 37,565,278 | 37,495,679 | 37,493,333 | 37,492,814 | 37,481,716 | 29,677,093 | 29,679,466 | 29,679,248 | 29,669,019 | 29,584,709 | 29,575,451 | 29,572,783 | 29,573,439 | 29,493,193 | 29,485,121 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $5M | $5M | $5M | $5M | $5M | $4M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Stock-based Comp | $819.0K | $499.0K | $807.0K | $787.0K | $799.0K | $481.0K | $681.0K | $828.0K | $914.0K | $524.0K | $466.0K | $497.0K | $830.0K | $539.0K | $415.0K | $398.0K | |
| Operating Cash Flow | $58M | $37M | $43M | $52M | $27M | $38M | $29M | $25M | $19M | $24M | $30M | $24M | $22M | $31M | $28M | $32M | |
| CapEx | $3M | $1M | $2M | $2M | $751.0K | $1M | $656.0K | $1M | $2M | $1M | $248.0K | $1M | $3M | $2M | $2M | $1M | |
| Investing Cash Flow | $-91M | $2M | $-116M | $-55M | $-100M | $211M | $-91M | $-145M | $126M | $28M | $-62M | $-40M | $-15M | $145M | $-108M | $-40M | |
| Debt Issued | $0 | $0 | $0 | $25M | $0 | $0 | $0 | $25M | $25M | $25M | $0 | $0 | $25M | $0 | $0 | $0 | |
| Net Debt Issued | · | $-71.0K | · | · | · | $-36.0K | · | · | · | $-37.0K | · | · | · | $-31.0K | · | · | |
| Dividends Paid | $12M | $12M | $11M | $11M | $11M | $11M | $8M | $8M | $8M | $8M | $7M | $7M | $7M | $7M | $7M | $7M | |
| Financing Cash Flow | $3M | $-34M | $-64M | $59M | $-169M | $5M | $56M | $-13M | $61M | $-44M | $17M | $7M | $54M | $-215M | $-173M | $-145M | |
| Net Change in Cash | $-30M | $6M | $-137M | $56M | $-242M | $253M | $-7M | $-134M | $206M | $8M | $-15M | $-8M | $60M | $-39M | $-254M | $-153M | |
| Taxes Paid | · | · | · | · | · | · | · | $9M | $9M | $0 | · | $5M | $10M | $0 | · | $300.0K | |
| Free Cash Flow | · | $36M | · | · | · | $37M | · | · | · | $23M | · | · | · | $30M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $4M | · | · | · | $20M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.1% | 27.0% | · | 27.7% | 25.5% | 9.5% | · | 33.7% | 31.6% | 31.3% | · | 34.4% | 35.0% | 32.5% | · | 37.4% | |
| Pretax Margin | 37.9% | 33.9% | · | 34.6% | 31.8% | 12.0% | · | 41.1% | 41.0% | 38.1% | · | 41.8% | 42.6% | 39.5% | · | 46.7% | |
| ROA | 0.46% | 0.39% | · | 0.48% | 0.43% | 0.14% | · | 0.34% | 0.33% | 0.31% | · | 0.35% | 0.35% | 0.33% | · | 0.42% | |
| ROE | 3.4% | 3.0% | · | 3.8% | 3.6% | 1.2% | · | 3.3% | 3.2% | 3.0% | · | 4.2% | 3.8% | 3.3% | · | 4.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $32.24 | $31.27 | · | $29.86 | $28.53 | $27.91 | · | $25.09 | $23.18 | $22.09 | · | $18.20 | $20.38 | $20.47 | · | $16.78 | |
| Revenue / Share | $3.38 | $3.28 | · | $3.37 | $3.29 | $3.20 | · | $2.10 | $2.19 | $2.05 | · | $2.11 | $2.14 | $2.17 | · | $2.23 | |
| Cash Flow / Share | · | $0.99 | · | · | · | $1.09 | · | · | · | $0.81 | · | · | · | $1.07 | · | · | |
| Dividend / Share | $0.31 | $0.31 | $0.29 | $0.29 | $0.29 | $0.29 | $0.27 | $0.27 | $0.27 | $0.27 | $0.25 | $0.25 | $0.25 | $0.25 | · | · | |
| Dividend Paid / Share | · | · | · | · | · | · | · | · | $0.27 | $0.27 | · | $0.25 | $0.25 | $0.25 | · | $0.23 | |
| EPS (TTM) | $3.82 | $3.64 | · | $2.87 | $2.64 | $2.49 | · | $2.76 | $2.78 | $2.84 | · | $3.02 | $3.12 | $3.18 | · | $2.67 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $503M | $499M | · | $451M | $413M | $381M | · | · | · | · | · | · | · | · | · | · | |
| Net Income TTM | $142M | $135M | · | $100M | $86M | $75M | · | $82M | $83M | $84M | · | $89M | $92M | $94M | · | $77M | |
| Market Cap | $1.78B | $1.57B | · | $1.47B | $1.44B | $1.41B | · | $1.15B | $1.05B | $1.03B | · | $801M | $804M | $987M | · | $1.05B | |
| P/E | 12.4 | 11.5 | · | 13.7 | 14.6 | 15.1 | · | 14.0 | 12.7 | 12.2 | · | 9.0 | 8.7 | 10.5 | · | 13.4 | |
| P/S | 3.5 | 3.1 | · | 3.3 | 3.5 | 3.7 | · | · | · | · | · | · | · | · | · | · | |
| P/B | 1.5 | 1.3 | · | 1.3 | 1.4 | 1.3 | · | 1.5 | 1.5 | 1.6 | · | 1.5 | 1.3 | 1.6 | · | 2.1 | |
| P / Tangible Book | 2.2 | 2.0 | · | 2.1 | 2.2 | 2.2 | · | 2.0 | 2.1 | 2.2 | · | 2.3 | 1.9 | 2.4 | · | 3.5 | |
| P / Cash Flow | · | 42.4 | · | · | · | 37.1 | · | · | · | 43.1 | · | · | · | 31.4 | · | · | |
| Dividend Yield | 2.5% | 2.8% | · | 2.8% | 2.6% | 2.5% | · | 2.7% | 2.9% | 2.9% | · | 3.6% | 3.5% | 2.8% | · | 2.5% | |
| Earnings Yield | 8.1% | 8.7% | · | 7.3% | 6.9% | 6.6% | · | 7.1% | 7.9% | 8.2% | · | 11.2% | 11.5% | 9.5% | · | 7.5% | |
| Payout Ratio | · | 34.9% | · | · | · | 102.8% | · | · | · | 41.8% | · | · | · | 35.3% | · | · | |
| Annual Payout | $45M | $44M | · | $40M | $38M | $35M | · | $31M | $31M | $30M | · | $29M | $28M | $28M | · | $26M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $487M | $354M | $317M | $278M | · |
| Net Income | $113M | $84M | $86M | $82M | $84M |
| Diluted EPS | $3.06 | $2.83 | $2.91 | $2.78 | $3.17 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Debt / Equity | · | · | · | · | 0.1 |
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $154M | $91M | $101M | $102M | $96M |
Institutional owners (13F) 195 filers · $1.0B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
195
Value held
$1.0B
New positions
19
Exited positions
12
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 19 (-6 vs prior Q) | 12 (-5 vs prior Q) | 73 (+8 vs prior Q) | 48 (-5 vs prior Q) | +186K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $142,154,539 | 2,995,249 | 13.70% | Shares |
| FRANKLIN RESOURCES INC | $93,048,402 | 1,960,565 | 8.97% | Shares |
| VANGUARD GROUP INC | $89,397,162 | 2,281,704 | 8.62% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $73,299,217 | 1,544,442 | 7.07% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $60,286,160 | 1,270,252 | 5.81% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $60,044,578 | 1,265,181 | 5.79% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $47,570,452 | 1,002,126 | 4.59% | Shares |
| STATE STREET CORP | $46,892,147 | 988,330 | 4.52% | Shares |
| GERMAN AMERICAN BANCORP, INC. | $45,153,538 | 951,402 | 4.35% | Shares |
| ROYCE & ASSOCIATES LP | $27,646,826 | 582,529 | 2.67% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $25,123,473 | 529,361 | 2.42% | Shares |
| Champlain Investment Partners, LLC | $24,710,619 | 520,662 | 2.38% | Shares |
| RAYMOND JAMES FINANCIAL INC | $22,120,663 | 466,091 | 2.13% | Shares |
| GOLDMAN SACHS GROUP INC | $21,704,122 | 457,314 | 2.09% | Shares |
| NORTHERN TRUST CORP | $16,614,891 | 350,082 | 1.60% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $14,364,386 | 302,663 | 1.38% | Shares |
| TWO SIGMA INVESTMENTS, LP | $13,797,381 | 290,716 | 1.33% | Shares |
| Aptus Capital Advisors, LLC | $13,004,562 | 274,011 | 1.25% | Shares |
| Russell Investments Group, Ltd. | $11,824,180 | 249,138 | 1.14% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $11,719,820 | 246,941 | 1.13% | Shares |
| Bank of New York Mellon Corp | $10,439,723 | 219,969 | 1.01% | Shares |
| Focus Partners Wealth | $7,728,369 | 162,839 | 0.75% | Shares |
| MUTUAL OF AMERICA CAPITAL MANAGEMENT LLC | $7,620,130 | 160,559 | 0.73% | Shares |
| DEPRINCE RACE & ZOLLO INC | $6,676,673 | 140,680 | 0.64% | Shares |
| CRAWFORD INVESTMENT COUNSEL INC | $6,583,129 | 138,709 | 0.63% | Shares |
| MORGAN STANLEY | $5,793,556 | 122,072 | 0.56% | Shares |
| AMERICAN CENTURY COMPANIES INC | $4,633,710 | 97,634 | 0.45% | Shares |
| ALLIANCEBERNSTEIN L.P. | $4,619,341 | 110,537 | 0.45% | Shares |
| FIRST TRUST ADVISORS LP | $4,510,883 | 95,046 | 0.43% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $4,444,582 | 93,649 | 0.43% | Shares |
| SEI INVESTMENTS CO | $4,099,355 | 86,375 | 0.40% | Shares |
| Nuveen, LLC | $3,916,684 | 82,526 | 0.38% | Shares |
| BANK OF AMERICA CORP /DE/ | $3,531,309 | 74,406 | 0.34% | Shares |
| Swiss National Bank | $3,490,683 | 73,550 | 0.34% | Shares |
| TUDOR INVESTMENT CORP ET AL | $3,397,851 | 71,594 | 0.33% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $2,762,124 | 58,199 | 0.27% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $2,758,892 | 66,018 | 0.27% | Shares |
| WELLS FARGO & COMPANY/MN | $2,697,734 | 56,842 | 0.26% | Shares |
| State of New Jersey Common Pension Fund D | $2,684,622 | 56,566 | 0.26% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $2,584,795 | 61,852 | 0.25% | Shares |
| Creative Planning | $2,554,298 | 53,820 | 0.25% | Shares |
| CHATHAM CAPITAL GROUP, INC. | $2,494,118 | 52,552 | 0.24% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,387,358 | 50,303 | 0.23% | Shares |
| RHUMBLINE ADVISERS | $2,333,838 | 49,175 | 0.22% | Shares |
| D. E. Shaw & Co., Inc. | $2,098,396 | 44,214 | 0.20% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $2,071,629 | 43,650 | 0.20% | Shares |
| Invesco Ltd. | $1,986,629 | 41,859 | 0.19% | Shares |
| JPMORGAN CHASE & CO | $1,942,908 | 39,632 | 0.19% | Shares |
| DEUTSCHE BANK AG\ | $1,834,851 | 38,661 | 0.18% | Shares |
| TWO SIGMA ADVISERS, LP | $1,821,870 | 46,500 | 0.18% | Shares |
Company insiders 45 insiders · 14 officers · 30 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Neil D Dauby | CHAIRMAN & CEO | March 16, 2026 F | 71,623 | 0 | 0 | $0 |
| Bradley M Rust | PRESIDENT & CFO | March 16, 2026 F | 84,278 | 0 | 0 | $0 |
| Kenneth L Sendelweck | PRESIDENT - PRIVATE BKG AND WM | March 15, 2012 A | 2,500 | 0 | 0 | $0 |
| Michael F Beckwith | EVP - CHIEF BANKING OFFICER | March 16, 2026 F | 23,220 | 0 | 0 | $0 |
| Amy D Jackson | EVP, CHIEF ADMINISTRATIVE OFFI | March 16, 2026 F | 17,826 | 0 | 0 | $0 |
| Warren Scott Powell | EVP CHIEF CREDIT OFFICER | March 4, 2026 A | 12,067 | 0 | 0 | $0 |
| Bradley C Arnett | EVP, CHIEF LEGAL OFFICER | March 4, 2026 A | 9,572 | 0 | 0 | $0 |
| Vicki L Schuler | SVP, PRINCIPAL ACCT OFF, CONTR | March 4, 2026 A | 13,663 | 0 | 0 | $0 |
| Clay M Barrett | EVP, CHIEF DIGITAL & INFO OFF | March 17, 2025 A | 13,803 | 0 | 0 | $0 |
| Keith A. Leinenbach | EVP, CHIEF CREDIT OFFICER | March 15, 2024 A | 57,649 | 0 | 0 | $0 |
| Randall L. Braun | EVP, CHIEF BANKING OFFICER | March 15, 2023 A | 30,052 | 0 | 0 | $0 |
| Mark A Schroeder | EXECUTIVE CHAIRMAN | March 31, 2022 P | 134,676 | 0 | 0 | $0 |
| Clay W Ewing | EXECUTIVE VICE CHAIRMAN | March 18, 2021 S | 87,012 | 0 | 0 | $0 |
| Stan J Ruhe | EXECUTIVE VICE PRESIDENT | Feb. 15, 2007 A | 19,575 | 0 | 0 | $0 |
| Andrew M Seger | Director | Sept. 15, 2026 P | 20,558 | 9 | 0 | $54,718 |
| Christina M Ryan | Director | Sept. 15, 2026 P | 19,733 | 7 | 0 | $52,255 |
| Zachary W Bawel | Director | Sept. 15, 2026 P | 27,215 | 8 | 0 | $71,036 |
| Jason M Kelly | Director | Aug. 17, 2026 P | 15,555 | 2 | 0 | $22,502 |
| Ronnie R Stokes | Director | July 16, 2026 P | 8,626 | 1 | 0 | $15,022 |
| Gregory Scott Mccomb | Director | June 29, 2026 A | 16,568 | 0 | 0 | $0 |
| Angela Curry | Director | June 29, 2026 A | 4,936 | 0 | 0 | $0 |
| Susan J Ellspermann | Director | June 29, 2026 A | 13,053 | 5 | 0 | $6,087 |
| Tyson J Wagler | Director | June 29, 2026 A | 2,466 | 0 | 0 | $0 |
| Darren M. Root | Director | June 29, 2026 A | 18,895 | 0 | 0 | $0 |
| Marc D Fine | Director | June 29, 2026 A | 4,865 | 0 | 0 | $0 |
| Diane B Medley | Director | Aug. 4, 2025 P | 6,252 | 0 | 0 | $0 |
| Thomas W Seger | Director | Dec. 15, 2024 P | 465,134 | 0 | 0 | $0 |
| Chris A Ramsey | Director | May 15, 2023 P | 29,547 | 0 | 0 | $0 |
| David J Lett | Director | Dec. 20, 2021 A | 71,576 | 0 | 0 | $0 |
| Raymond Ward Snowden | Director | May 19, 2021 P | 33,864 | 0 | 0 | $0 |
| Butch U Klem | Director | March 26, 2021 S | 0 | 0 | 0 | $0 |
| Lee A Mitchell | Director | March 17, 2021 S | 0 | 0 | 0 | $0 |
| Christina M Ernst | Director | Dec. 16, 2019 A | 1,420 | 0 | 0 | $0 |
| COLLINS LONNIE D | Director | Dec. 17, 2018 A | 1,525 | 0 | 0 | $0 |
| Douglas A Bawel | Director | May 15, 2018 P | 62,675 | 0 | 0 | $0 |
| Michael J Voyles | Director | May 15, 2018 P | 81,522 | 0 | 0 | $0 |
| Gene C Mehne | Director | April 4, 2014 P | 10,533 | 0 | 0 | $0 |
| Richard E Forbes | Director | Dec. 17, 2012 A | 17,484 | 0 | 0 | $0 |
| Larry J Seger | Director | Oct. 15, 2009 P | 92,263 | 0 | 0 | $0 |
| Chet L Thompson | Director | June 5, 2006 P | 25,101 | 0 | 0 | $0 |
| William R Hoffman | Director | June 1, 2006 A | · | 0 | 0 | $0 |
| Joseph F Steurer | Director | May 15, 2006 P | 49,916 | 0 | 0 | $0 |
| David G Buehler | Director | June 1, 2005 A | 469,535 | 0 | 0 | $0 |
| Jack Sheidler | · | April 15, 2026 P | 66,930 | 4 | 0 | $4,334 |
| Robert L Ruckriegel | · | April 15, 2005 P | 401,916 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 37 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| OSCV · ETF Series Solutions | 2.09% | 289,714 NS | July 31, 2026 | N-PORT |
| FYT · First Trust Exchange-Traded AlphaDE… | 0.26% | 10,072 NS | July 31, 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0.20% | 55,142 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.11% | 32,539 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.07% | 3,982 SH | Oct. 2, 2026 | Daily |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0.07% | 9,614 NS | July 31, 2026 | N-PORT |
| VFMV · VANGUARD WELLINGTON FUND | 0.07% | 6,297 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.06% | 966,032 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.06% | 17,875 NS | July 31, 2026 | N-PORT |
| FAB · First Trust Exchange-Traded AlphaDE… | 0.05% | 1,741 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.05% | 143,960 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.05% | 215,005 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.04% | 124,270 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.03% | 16,526 SH | Oct. 2, 2026 | Daily |
| ISCG · iShares Trust | 0.03% | 5,210 SH | Sept. 11, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.02% | 9,626 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.02% | 432,066 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.02% | 60,042 SH | Aug. 19, 2026 | Daily |
| WSML · iShares Trust | 0.02% | 2,306 SH | Sept. 11, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.01% | 212,228 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.01% | 80,266 NS | July 31, 2026 | N-PORT |
| PFM · Invesco Exchange-Traded Fund Trust | 0.01% | 1,069 SH | Oct. 2, 2026 | Daily |
| DFUV · Dimensional ETF Trust | 0.01% | 18,618 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.01% | 587 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,939 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 9,821 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,787 NS | July 31, 2026 | N-PORT |
| TILT · FlexShares Trust | 0.00% | 1,620 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 54,992 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 11,733 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 10,886 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.00% | 2,929 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,078,184 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 3,250 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 352,813 SH | Sept. 11, 2026 | Daily |
| ISCB · iShares Trust | · | 1,623 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 4,706 SH | Sept. 11, 2026 | Daily |
GABC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 12 analysts
BUY
Median target
$56.00
+13.4%
3 25.0%
Strong Buy
5 41.7%
Buy
4 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-10-03Mean target $56.20 +13.8%
← Below all targets
Current price $49.40
Low$51.00
Mean$56.20
High$60.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| GABC | $1.47B | 12.8 | 37.8% | 23.1% | 10.1% | · |
| SRCE | · | 9.7 | 12.0% | 36.5% | 13.3% | · |
| FCF | $1.73B | 11.5 | 9.4% | 29.1% | 9.9% | · |
| CHCO | · | 13.3 | 3.2% | 175.7% | 16.6% | · |
| TBBK | $2.86B | 13.7 | 20.8% | 161.7% | 29.4% | · |
| DCOM | $1.32B | 12.8 | 19.0% | 556.0% | 7.6% | · |
| HOPE | $1.41B | 22.4 | 5.0% | 12.3% | 2.7% | · |
| STBA | $1.47B | 11.3 | 4.8% | 33.4% | 9.2% | · |
| FSUN | $1.05B | 10.8 | 8.4% | 23.4% | 8.7% | · |
| LOB | · | 15.4 | 18.3% | 18.3% | 9.4% | · |
| BY | $1.33B | 10.1 | 9.7% | 29.1% | 10.6% | · |
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Source: SEC 10-Q filed Aug 6, 2026