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German American Bancorp GABC · USD

Financials · US listing · 🇺🇸 United States

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50.44

+0.72%

Close of 9 Nov 2026, in USD

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About German American Bancorp

From its filings with the US Securities and Exchange Commission

SEC filings

German American Bancorp is based in Jasper, Indiana and is incorporated in Indiana. Its shares trade on Nasdaq under the ticker GABC. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $487.4m and net income of $112.6m. At that date it held total assets of $8.39bn and shareholders' equity of $1.16bn.

In its own words

German American Bancorp, Inc. is a Nasdaq-listed (symbol: GABC) financial holding company based in Jasper, Indiana. German American, through its banking subsidiary German American Bank, operates 94 banking offices located throughout Indiana (central/southern), Kentucky (northern/central/western), and Ohio (central/southwest). In Columbus, Ohio and Greater Cincinnati, the Company does business as Heartland Bank, a Division of German American Bank. The Company also owns an investment brokerage subsidiary, German American Investment Services, Inc.

The Company’s lines of business include retail and commercial banking, and wealth management services. Our retail and commercial banking business involves attracting deposits from the general public and using those funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, primarily in the Company’s local markets. These core banking activities also include the sale of residential mortgage loans in the secondary market. Our wealth management services involve providing trust, investment advisory, brokerage and retirement planning services to customers. Financial and other information by segment is included in Note 18 (Segment Information) of the Notes to the Consolidated Financial Statements included in Item 8 of this Report and is incorporated into this Item 1 by reference. Substantially all of the Company’s revenues are derived from customers located in, and substantially all of its assets are located in, the United States.

Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Banks
Listed since
18 May 1993
Employees
984
Head office
711 MAIN ST, JASPER, IN, 47546
Incorporated in
IN
Classification
State Commercial Banks
Filer status
Large accelerated filer

Leadership

Pay as last reported

  • Mr. D. DaubyChairman of the Board, Chief Executive Officer, since 2016$1.7m
  • Mr. Bradley RustPresident, Chief Financial Officer, Chief Operating Officer, Senior Executive Vice President$1.0m
  • Ms. Amy JacksonExecutive Vice President, Chief Administrative Officer$668,293
  • Mr. Clay BarrettExecutive Vice President, Chief Digital and Information Officer$533,297
  • Mr. Michael BeckwithExecutive Vice President, Chief Banking Officer$730,461
  • Mr. W. Scott PowellExecutive Vice President, Chief Credit Officer
  • Ms. Vicki SchulerSenior Vice President, Principal Accounting Officer, Controller
  • Mr. Bradley ArnettSenior Vice President, Chief Legal Officer, Corporate Secretary$581,061
  • Mr. G. Scott MccombDirector
  • Mr. Andrew SegerDirector
  • Mr. Ronnie StokesDirector
  • Mr. Zachary BawelIndependent Director$88,523

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
38
Environment
6
Social
67
Governance
40
Carbon reduction policy
No
Human rights policy
No

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • German American Bancorp Inc has a strong financial position with consistent profitability and stable revenue growth. This positions the company well for future expansion and investment opportunities.
  • The company has a diverse portfolio of products and services, including banking, insurance, and wealth management, which allows for cross-selling and revenue diversification.
  • German American Bancorp Inc has built a strong brand reputation and has a loyal customer base. This trust and positive perception in the market provide a competitive advantage.

Weaknesses

  • The company's geographic presence is limited to specific regions, which exposes German American Bancorp Inc to regional economic fluctuations and may hinder its ability to capture a larger market share.
  • There is a heavy reliance on traditional banking services, and the company may face challenges in adapting to new financial technologies and changing customer preferences.
  • German American Bancorp Inc may have a relatively smaller scale compared to some larger competitors, which could impact its bargaining power with suppliers and limit economies of scale.

Opportunities

  • Expanding into new markets and acquiring smaller financial institutions can help German American Bancorp Inc increase its market reach and diversify its revenue streams.
  • The growing trend of digital banking presents an opportunity for the company to invest in innovative technologies and enhance its online services, attracting tech-savvy customers.
  • The increasing demand for sustainable and socially responsible banking practices creates an opportunity for German American Bancorp Inc to differentiate itself through strategic ESG initiatives.

Threats

  • Intense competition within the banking industry poses a threat to German American Bancorp Inc's market share and profitability. The presence of both traditional banks and emerging fintech companies increases industry rivalry.
  • Changes in regulations and compliance requirements could increase operational costs and affect the company's profitability. Adapting to evolving regulatory landscape is crucial for sustained growth.
  • Economic downturns and financial crises can adversely impact the company's performance, as customers may face financial difficulties leading to higher loan delinquencies and decreased demand for banking services.

Sources and methodology

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