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.

German American Bancorp, Inc.

German American Bank provides personal and business banking services, insurance, and wealth management. It focuses on financial solutions for individual and corporate clients.

German American Bank

German American | 3,532 followers on LinkedIn. Banking | Insurance | Investments | German American Bank serves Southern Indiana and Kentucky with banking, insurance, investments and wealth management services for business and retail customers. In 1910, German American was founded in a community rich in German-American heritage located in Ohio Valley region. The company’s headquarters remain in Jasper, Indiana.

Realtor Associate at Engel & Voelkers

Dr. Anja-Isabel Hessert

Commercial Insurance Producer

Jim Baumann

Loan Processing Manager at German American Bank

Jennifer Somerville

Lean Six Sigma | Business Process Improvement | Project Management | Strategy

Keron Dave

German American

Our team had an opportunity to speak about fraud awareness at William Tell Senior Center's monthly luncheon on Tuesday. German American Bank Security Officer, Lorhn Frazier, shared red flags and important tips to help senior citizens protect themselves from scams. Advances in technology make it increasingly difficult for seniors to know who or what to trust. Learn more about how to protect yourself and your elderly loved ones: https://trst.in/Ri0nza

Our Tell City, Owensboro, and Evansville area banking offices held a children's book drive to benefit Neonatal Intensive Care Units at two area hospitals. The drive was successfully led for the second year by our own Stella Nelson, who wanted to pass along the kindness she once received during her son's NICU stay. With the help of customers, she and the German American Bank team were able to give several wagons of books to Logan's Library at Deaconess Women's Hospital and Owensboro Health Regional Hospital's NICU for new parents to read to their babies! We love seeing the kindness and generosity of our community bankers in action.

Happy Halloween from your friends at German American Bank! 🎃 👻 🐈⬛ Whether you're venturing out for treats or staying cozy inside, we hope you have an amazing time! Stay safe and have a spook-tacular day!

German American Bank is proud to be a long-time presenting sponsor of the Youth First Breakfast of Champions. Our Evansville team was excited to support this outstanding event honoring the 2024 Champion of Youth First Award recipient, Dennis Lamey. Congratulations, Dennis, and thank you to all of the volunteers and school partners who join us in supporting Youth First's mission to help kids and families in our community thrive!

Today's Friday Fraud Awareness highlights the importance of protecting your cards and codes. With advances in technology come more sophisticated ways for scammers to get your hard-earned money. Be fraud smart by safeguarding your payment methods and protecting sensitive data using these tips. 💳️ Protect your card details. If you receive an unexpected call, text, or email asking for sensitive information, hang up or ignore it. ✅️ Use a contactless card or set up a digital wallet if you are able. These payment methods use encryption for transactions, reducing the risk for your card information to be compromised. ❗️Beware of Multi-factor Authentication (MFA) fatigue. While MFA helps to protect your accounts, fraudsters may try to trick you into providing a verification code under false pretenses. As your bank we will NEVER ask you to provide a texted verification code over the phone or via email. Find more tips on protecting your finances: https://trst.in/gV2PZg

We recently recognized our Southeast Region team members who celebrated a Milestone Anniversary in 2024. Congratulations to all of our recipients! German American Bank is proud to honor these outstanding community banking professionals for their dedication and loyalty to our company and the communities we serve. Thank you for your many years of service!

Do you want butter on your popcorn? #BanksNeverAskThat . As your bank, we will never ask you to click suspicious links or to provide your password or PIN. Don't get spooked by scammers! Be fraud smart and learn how to spot their tricks 👉️ BanksNeverAskThat.com

Today is National Get Smart About Credit Day! Learn how your Credit Score is calculated and monitor your score for FREE within German American's Online and Mobile Banking to unlock your financial potential. 📲 Access expert insights, personalized advice, and convenient monitoring to boost your financial health so you can score smarter, not harder!

Fall is in the air, football season is in full swing, and it’s the perfect time to show your school spirit! Every purchase you make with your German American School Spirit Card, your school earns $.02. From tailgate essentials to team gear, use your card and let your school get in on the excitement! German American Bank has donated over $98,000 so far this year to local schools participating in the program! Find your school and learn more at https://trst.in/05QD0P

Our team members in Gibson, Vanderburgh, and Warrick counties were recently recognized for celebrating a Milestone Anniversary in 2024. German American Bank is proud to honor these individuals for their loyalty and dedication to our company. Thank you for your many years of service to our customers and communities. Congratulations!

Metric
Company Name	German American Bancorp, Inc.
Symbol	GABC
MSH ID	COM:GERMANAMERICAN
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	840
Website	germanamerican.com
LinkedIn	german-american
Founders

Metric
Market Cap	1.03B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	316.57M
Revenue (LTM)
Revenue (NTM)
Gross Profit	297M
EBITDA	2.84M
Operating Income	5.83M
Net Income	85.89M
EPS	2.91
Diluted EPS	2.91
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.93
Operating Profit Margin	0.30
EBITDA Margin	0.01
Net Profit Margin	0.40
Return on Equity	0.14
Return on Assets	0.01
Return on Capital Employed	0.02

COM:GERMANAMERICAN

German American Bank

Last Close

45.08

22/11 21:00

Market Cap

1.03B

Beta: -

Volume Today

72.70K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	10.50
P/B Ratio	1.73
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	4.51
EV Multiple	44.70

Metric
Days Sales Outstanding	269.91
Days Payables Outstanding	1.12K
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.05

Metric
Operating Cash Flow	101.49M
Free Cash Flow	95.75M
Cash Flow to Debt	0.59
Operating Cash Flow/Sales	0.49
Free Cash Flow Yield	0.11

Metric
Cash & Equivalents	79.31M
Accounts Receivable	3.73M
Inventory
Goodwill	180.36M
Debt to Capitalization	0.26
Debt to Assets	0.05
Current Ratio	2.93
Quick Ratio	1.09

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.33