German American Bancorp, Inc.
Description
German American Bancorp, Inc. operates as a financial 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. It also offers checking, saving, and individual retirement accounts; certificates of deposit; wire transfer; credit cards; home equity, mortgages, and small business; treasury management; and online and mobile banking, bill pay, digital wallet, mobile check deposit, credit score and report, money management, and estatements, as well as wealth advisory. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
About
CEO
Mr. D. Neil Dauby CPA
Employees
840
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
711 Main Street, Jasper, IN 47546, United States
×
![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 27, 2026 | — | — | — | — |
| Oct 27, 2025 | — | — | — | — |
| Jul 28, 2025 | — | — | — | — |
| Apr 28, 2025 | — | — | — | — |
| Jan 28, 2025 | 0.70 | 0.78 | 0.08 | 11.43% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 6 | 6 | 6 | 5 |
| Average estimate | 0.71 | 0.83 | 3.30 | 3.67 |
| Low estimate | 0.65 | 0.70 | 2.95 | 3.42 |
| High estimate | 0.78 | 0.91 | 3.55 | 3.80 |
| Last year EPS | 0.64 | 0.69 | 2.83 | 3.30 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
10.940%
Next qtr. (Jun 2025)
19.570%
Current year (Dec 2025)
16.490%
Next year (Dec 2026)
11.450%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 250.69M | 259.72M | 220.29M | 209.72M | 190.73M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 90.93M | 90.42M | 74.19M | 72.44M | 68.65M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 103.65M | 99.18M | 102.79M | 75.04M | 71.24M |
| Tax provision | 17.76M | 17.35M | 18.65M | 12.83M | 12.02M |
| Net income | 85.89M | 81.83M | 84.14M | 62.21M | 59.22M |
| Basic EPS | 2.91 | 2.78 | 3.17 | 2.34 | 2.29 |
| Diluted EPS | 2.91 | 2.78 | 3.17 | 2.34 | 2.29 |
| Basic average shares | 29.56M | 29.46M | 26.54M | 26.54M | 25.82M |
| Diluted average shares | 29.56M | 29.46M | 26.54M | 26.54M | 25.82M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 85.89M | 81.83M | 84.14M | 62.21M | 59.22M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | — | — | — | — | — |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 79.31M | 75.98M | 47.92M | 59.21M | 61.96M |
| Other short term investments | 1.60B | 1.76B | 1.89B | 1.22B | 854.83M |
| Accounts receivable | — | 123.97M | 43.52M | 43.99M | 44.21M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | — | — | — | — | — |
| Land and improvements | 27.10M | 27.40M | 20.78M | 21.20M | 21.19M |
| Machinery furniture equipment | 45.75M | 46.67M | 41.42M | 41.50M | 38.92M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -72.72M | -71.51M | -64.85M | -64.48M | -57.91M |
| Goodwill | 367.02M | 370.14M | 249.37M | 252.90M | 255.27M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 6.31M | 9.43M | 5.85M | 8.98M | 12.66M |
| Investments and advances | 1.60B | 1.76B | 1.89B | 1.22B | 855.18M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | 43.74M | 43.58M | 51.81M | 44.15M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | — | 25.00M | — | — | 124.00M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 127.97M | 102.65M | 83.86M | 141.62M | 181.95M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 29.59M | 29.49M | 26.55M | 26.50M | 26.67M |
| Retained earnings | 461.62M | 405.17M | 350.36M | 288.45M | 253.09M |
| Other shareholders equity | -217.06M | -263.44M | 15.48M | 35.38M | 15.11M |
| Total shareholders equity | 663.56M | 558.39M | 668.46M | 624.71M | 573.82M |
| Additional paid in capital | 389.41M | 387.17M | 276.06M | 274.39M | 278.95M |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||||||||||||||
| Net Income | 85.89M | 81.83M | 84.14M | 62.21M | 59.22M | 46.53M | 40.68M | 35.18M | 30.06M | 28.34M | 25.41M | 24.06M | 20.25M | 13.41M | 12.22M | 12.80M | 9.41M | 10.22M | 9.72M | 7.24M | 8.17M | 9.44M | 9.19M | 5.29M | 9.35M | 9.22M | 7.30M | 5.60M | 4.00M | 3.50M | 2.70M | 2.30M |
| Depreciation | 9.56M | 10.12M | 8.77M | 9.43M | 8.63M | 6.18M | 4.69M | 4.32M | 4.26M | 4.81M | 4.46M | 4.69M | 5.14M | 3.72M | 3.69M | 3.36M | 3.14M | 3.09M | 2.88M | 3.24M | 3.25M | 3.12M | 3.28M | 2.47M | 2.57M | 2.26M | 1.80M | 1.30M | 200,000 | 600,000 | 800,000 | 300,000 |
| Deferred Taxes | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 200,000 | — | -300,000 | -200,000 | -100,000 |
| Stock-Based Compensation | 2.33M | 2.33M | 1.72M | 1.05M | 1.29M | 1.36M | 1.25M | 1.41M | 963,000 | 627,000 | 329,000 | 628,000 | 635,000 | 405,000 | 485,000 | 10,000 | 331,000 | 284,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | 3.82M | 6.79M | 13.42M | 8.72M | -9.66M | 4.32M | 10.41M | -2.01M | -2.23M | 3.93M | 9.73M | 6.81M | -8.32M | -4.96M | -814,000 | -1.62M | -4.10M | -161,000 | 914,000 | -2.10M | 12.71M | -53,000 | 65.61M | 3.66M | 8.66M | 26.03M | -8.50M | 100,000 | 800,000 | — | 2.20M | 500,000 |
| Accounts Receivable | 3.73M | -1.09M | 2.72M | -2.93M | -1.60M | 2.21M | -4.53M | 5.81M | 172,000 | -10.12M | 6.02M | 3.43M | 5.02M | -532,000 | -4.24M | 1.80M | 1.07M | -1.30M | 905,000 | -1.27M | -531,000 | 11.19M | — | — | — | — | — | — | — | — | — | — |
| Accounts Payable | -3.17M | 1.63M | -1.19M | 4.43M | 4.49M | -162,000 | -110,000 | -2.55M | -1.33M | 9.92M | -2.40M | 298,000 | -136,000 | 1.04M | -3.06M | -827,000 | -406,000 | 633,000 | -865,000 | -717,000 | -125,000 | 1.33M | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 102.15M | 101.60M | 109.58M | 82.92M | 62.37M | 60.44M | 52.38M | 42.16M | 31.91M | 37.50M | 43.55M | 39.91M | 22.59M | 13.08M | 8.28M | 15.53M | 9.44M | 12.77M | 13.55M | 6.39M | 23.47M | 25.03M | 78.08M | 11.42M | 20.58M | 37.51M | 600,000 | 7.20M | 5.00M | 3.80M | 5.50M | 3.00M |
| Investing Activities | ||||||||||||||||||||||||||||||||
| Capital Expenditures | -2.12M | -7.85M | -2.72M | -3.14M | -7.61M | -14.75M | -11.18M | -5.23M | -1.61M | -3.03M | -5.03M | -3.62M | -3.96M | -1.46M | -877,000 | 1.01M | -1.31M | -3.17M | -995,000 | -991,000 | -2.08M | -3.63M | -1.48M | -1.98M | -4.12M | -2.75M | -2.60M | -1.40M | -900,000 | -1.00M | -500,000 | -200,000 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 3.55M | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | 207.76M | 1.69M | — | 5.55M | 25.13M | — | -1.02M | — | — | 5.86M | — | 55.78M | 855,000 | -386,000 | — | -13,000 | -6.37M | 1.00M | — | -2.51M | -325,000 | -150,000 | -317,000 | -22,000 | 2.93M | — | — | — | — | — | — |
| Purchase of Investments | -183.30M | -417.94M | -1.02B | -664.99M | -169.64M | -140.60M | -156.80M | -226.46M | -116.94M | -151.74M | -271.22M | -312.06M | -296.55M | -155.80M | -127.19M | -130.17M | -10.43M | -62.01M | -57.00M | -29.06M | -135.12M | -143.94M | -87.62M | -7.37M | -88.54M | -188.04M | -98.20M | -61.70M | -75.10M | -41.60M | -53.50M | -33.00M |
| Sale of Investments | 401.34M | 289.15M | 319.78M | 326.82M | 197.77M | 169.73M | 129.41M | 270.49M | 109.89M | 138.98M | 301.29M | 239.18M | 127.17M | 60.97M | 55.23M | 107.09M | 44.77M | 75.59M | 59.20M | 42.83M | 161.89M | 90.85M | 113.51M | 17.03M | 44.15M | 180.14M | 95.80M | 59.30M | 69.60M | 37.50M | 59.00M | 33.30M |
| Investing Cash Flow | 216.38M | 80.07M | -699.86M | -339.09M | 28.79M | 43.54M | -35.50M | 37.86M | -9.03M | -11.78M | 32.98M | -72.60M | -111.81M | -91.45M | -73.23M | -22.07M | 33.01M | 7.91M | 2.21M | 12.78M | 12.18M | -11.48M | 76.04M | -25.70M | -144.42M | -78.06M | -25.30M | -26.60M | -12.10M | 3.50M | 1.50M | -14.60M |
| Financing Activities | ||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 25.00M | — | — | — | 89.21M | 25.00M | 75.00M | — | 75.00M | 20.32M | 47.00M | 20.00M | — | — | 29.25M | 25.00M | 30.00M | 26.50M | 36.50M | 4.50M | 8.00M | 1.15M | — | 132.85M | 99.00M | 91.00M | 83.70M | 2.00M | — | — | — | — |
| Long-Term Debt Payments | -132,000 | -41.69M | -58.09M | -40.63M | -65.17M | -40.16M | -53.86M | -24.91M | -44.14M | -43.12M | -49.38M | -21.57M | -6.55M | -32.31M | -21.54M | -37.50M | -12.32M | -32.53M | -41.84M | -11.44M | -54.71M | -36.25M | -25.65M | -77.38M | -79.83M | -66.91M | -85.40M | -2.00M | — | — | — | -100,000 |
| Other Financing Charges | — | — | — | — | — | — | — | — | — | 40,000 | 28,000 | 23,000 | 37,000 | 99,000 | — | — | — | — | — | — | -27,000 | -32,000 | -225,000 | -20,000 | -4.35M | -407,000 | 100,000 | -100,000 | — | — | — | — |
| Financing Cash Flow | -39.76M | -38.90M | -64.89M | -175.59M | -75.55M | 13.77M | 5.24M | -75.70M | 58.10M | 56.73M | -28.02M | 22.90M | -46.23M | -520,000 | 10.26M | -50.00M | 17.34M | 448,000 | -5.05M | -23.73M | -49.49M | -50.63M | -66.84M | 29.98M | 76.22M | 21.83M | -11.90M | -1.50M | -10.60M | -200,000 | 4.60M | — |
| Other Cash Details | ||||||||||||||||||||||||||||||||
| End Cash Position | 115.33M | 117.38M | 396.89M | 345.75M | 103.88M | 96.55M | 70.36M | 64.82M | 52.01M | 42.45M | 60.13M | 49.09M | 61.10M | 19.27M | 28.05M | 44.99M | 27.91M | 29.70M | 32.93M | 47.67M | 32.53M | 35.75M | 99.13M | 28.45M | 29.58M | 52.11M | 60.70M | — | — | — | — | — |
| Income Tax Paid | 15.38M | 11.65M | 14.43M | 11.51M | 7.98M | 5.92M | 12.46M | 9.25M | 9.08M | 11.27M | 10.27M | 8.99M | 6.69M | 6.10M | 4.31M | 6.12M | 2.40M | 3.61M | 3.21M | 786,000 | 1.03M | 1.21M | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 60.66M | 17.44M | 10.02M | 20.48M | 30.77M | 18.24M | 10.85M | 8.35M | 6.15M | 6.07M | 7.65M | 11.52M | 16.58M | 15.53M | 19.82M | 27.25M | 33.78M | 25.81M | 17.63M | 16.81M | 21.63M | 29.19M | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 101.49M | 102.18M | 96.16M | 85.35M | 55.86M | 47.15M | 43.69M | 36.68M | 29.65M | 33.42M | 36.56M | 38.38M | 22.64M | 15.25M | 7.79M | 20.01M | 11.38M | 8.63M | 13.02M | 10.39M | 23.32M | 15.15M | 68.81M | 8.13M | 11.69M | 30.48M | -5.00M | 5.90M | 2.30M | 2.70M | 5.40M | 1.30M |
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