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About the company
German American Bancorp, Inc. is a financial holding company. The Company, through its banking subsidiary German American Bank, operates around 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. Its segments include core banking, wealth management services, and insurance operations. The core banking segment involves deposits from the public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans. The wealth management segment’s revenues are composed primarily of fees generated by the wealth advisory and trust operations. The insurance segment offers a range of personal and corporate property and casualty insurance products. The Company also owns an investment brokerage subsidiary, German American Investment Services, Inc.
- Revenue in USD (TTM)420.09m
- Net income in USD112.64m
- Incorporated1982
- Employees1.02k
- LocationGerman American Bancorp Inc711 Main StreetJASPER 47546-3042United StatesUSA
- Phone+1 (812) 482-1314
- Websitehttps://germanamerican.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jefferson Capital Inc | 577.47m | 177.19m | 1.24bn | -- | 7.37 | 2.83 | 6.60 | 2.14 | 2.88 | 2.88 | 9.38 | 7.50 | -- | -- | -- | -- | -- | -- | -- | -- | 70.74 | -- | 30.68 | -- | -- | 3.20 | 0.73 | -- | 34.13 | -- | 15.58 | -- | -- | -- |
| Amalgamated Financial Corp | 422.23m | 104.45m | 1.24bn | 429.00 | 12.11 | 1.55 | 15.69 | 3.77 | 3.42 | 3.42 | 10.75 | 26.64 | -- | -- | -- | -- | 1.22 | 1.12 | -- | -- | -- | -- | 31.77 | 30.92 | -- | -- | -- | 14.77 | 5.22 | 17.26 | -1.87 | 17.73 | -- | 11.84 |
| Encore Capital Group Inc | 1.56bn | -45.13m | 1.28bn | 7.35k | -- | 1.38 | -- | 0.8212 | -1.83 | -1.83 | 65.53 | 41.70 | 0.3045 | -- | 66.14 | 212,363.10 | -0.8804 | 1.76 | -0.924 | 1.88 | 79.06 | 80.24 | -2.89 | 5.85 | -- | 1.55 | 0.805 | -- | 7.66 | -1.19 | 32.57 | -- | -6.04 | -- |
| Triumph Financial Inc | 430.47m | 22.15m | 1.47bn | 1.45k | 66.87 | 1.64 | 24.73 | 3.34 | 0.9236 | 0.9236 | 18.49 | 39.63 | -- | -- | -- | -- | 0.4114 | 1.04 | -- | -- | -- | -- | 5.77 | 13.65 | -- | -- | -- | 0.00 | 1.88 | 5.97 | 71.94 | -18.69 | 15.20 | -- |
| Byline Bancorp Inc | 572.18m | 130.05m | 1.50bn | 1.03k | 11.41 | 1.18 | 14.53 | 3.36 | 2.88 | 2.88 | 9.89 | 27.84 | -- | -- | -- | -- | 1.36 | 1.33 | -- | -- | -- | -- | 29.14 | 28.79 | -- | -- | -- | 13.89 | 1.11 | 19.06 | 7.69 | 28.80 | -- | 27.23 |
| QCR Holdings Inc | 489.43m | 127.19m | 1.54bn | 1.00k | 12.32 | 1.39 | 15.34 | 4.17 | 7.50 | 7.50 | 21.77 | 66.64 | -- | -- | -- | -- | 1.37 | 1.41 | -- | -- | -- | -- | 34.42 | 33.27 | -- | -- | -- | 3.59 | 1.57 | 19.80 | 11.72 | 15.99 | -- | 0.00 |
| Hope Bancorp Inc | 941.33m | 58.52m | 1.56bn | 1.24k | 26.20 | 0.6816 | -- | 3.12 | 0.4634 | 0.4634 | 3.94 | 17.81 | -- | -- | -- | -- | 0.3289 | 0.7882 | -- | -- | -- | -- | 11.73 | 26.28 | -- | -- | -- | 47.48 | -1.34 | 9.46 | -38.18 | -11.20 | -- | 0.00 |
| Foreign Trade Bank of Latin America Inc | 774.94m | 222.37m | 1.58bn | 322.00 | 8.53 | 1.14 | 6.98 | 4.80 | 6.00 | 6.00 | 8.89 | 44.75 | -- | -- | -- | -- | 1.86 | 1.34 | -- | -- | -- | -- | 67.55 | 62.82 | -- | -- | -- | 38.99 | 15.57 | 23.46 | 23.90 | 19.06 | 20.89 | 6.65 |
| German American Bancorp Inc | 420.09m | 112.64m | 1.62bn | 1.02k | 14.27 | 1.39 | 17.87 | 4.48 | 3.03 | 3.03 | 9.83 | 31.00 | -- | -- | -- | -- | 1.53 | 1.45 | -- | -- | -- | -- | 31.16 | 33.32 | -- | -- | -- | 34.48 | 44.34 | 19.23 | 34.39 | 12.61 | -- | 8.83 |
| TriCo Bancshares | 470.57m | 121.56m | 1.63bn | 1.14k | 13.59 | 1.22 | 17.29 | 3.88 | 3.70 | 3.70 | 12.76 | 41.07 | -- | -- | -- | -- | 1.25 | 1.27 | -- | -- | -- | -- | 29.00 | 30.19 | -- | -- | -- | 32.58 | 0.843 | 11.99 | 5.82 | 13.40 | -- | 9.42 |
| S&T Bancorp Inc | 516.49m | 134.23m | 1.63bn | 1.21k | 12.52 | 1.12 | -- | 4.06 | 3.49 | 3.49 | 10.45 | 39.14 | -- | -- | -- | -- | 1.37 | 1.39 | -- | -- | -- | -- | 33.38 | 34.39 | -- | -- | -- | 37.11 | 0.1198 | 10.02 | 2.27 | 44.96 | -- | 4.26 |
| Bank First Corp | -100.00bn | -100.00bn | 1.64bn | 366.00 | -- | 2.23 | -- | -- | -- | -- | -- | 65.47 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| 1st Source Corp | 504.56m | 147.30m | 1.72bn | 1.21k | 11.73 | 1.39 | 10.94 | 4.08 | 6.01 | 6.01 | 17.16 | 50.60 | -- | -- | -- | -- | 1.67 | 1.44 | -- | -- | -- | -- | 35.31 | 32.52 | -- | -- | -- | 27.41 | 16.10 | 11.34 | 6.19 | 7.52 | 3.27 | 4.94 |
| Federal Agricultural Mortgage Corp | 1.59bn | 192.70m | 1.84bn | 191.00 | 9.91 | 1.61 | -- | 1.15 | 17.55 | 17.55 | 144.97 | 154.29 | 0.0497 | -- | 5.01 | 8,332,681.00 | 0.6751 | 0.6291 | 0.9982 | 0.9519 | 25.00 | 31.08 | 13.57 | 17.96 | -- | -- | 0.9488 | 31.21 | 15.09 | 19.96 | 4.39 | 14.01 | -- | 14.87 |
| Live Oak Bancshares Inc | 908.47m | 102.82m | 1.87bn | 1.03k | 18.18 | 1.62 | 23.62 | 3.23 | 2.23 | 2.23 | 12.56 | 27.15 | -- | -- | -- | -- | 0.7525 | 1.12 | -- | -- | -- | -- | 18.28 | 23.47 | -- | -- | -- | 4.49 | 11.83 | 25.79 | 32.72 | 13.00 | -- | 0.00 |
| Stellar Bancorp Inc | 574.47m | 102.87m | 1.95bn | 1.08k | 19.38 | 1.17 | 14.74 | 4.61 | 1.99 | 1.99 | 8.17 | 32.78 | -- | -- | -- | -- | 0.9476 | 0.9825 | -- | -- | -- | -- | 24.30 | 24.63 | -- | -- | -- | 28.78 | -4.64 | 33.01 | -10.55 | 31.30 | -- | 7.34 |
Data as of Feb 13 2026. Currency figures normalised to German American Bancorp Inc's reporting currency: US Dollar USD
33.01%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2025 | 2.32m | 6.19% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 2.00m | 5.32% |
| Franklin Mutual Advisers LLCas of 31 Dec 2025 | 1.81m | 4.84% |
| Charles Schwab Investment Management, Inc.as of 31 Dec 2025 | 1.41m | 3.77% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 1.14m | 3.03% |
| Geode Capital Management LLCas of 31 Dec 2025 | 914.64k | 2.44% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 910.75k | 2.43% |
| Champlain Investment Partners LLCas of 31 Dec 2025 | 761.52k | 2.03% |
| German American Bancorp, Inc. (Investment Management)as of 30 Sep 2025 | 597.91k | 1.60% |
| Royce & Associates LPas of 31 Dec 2025 | 507.63k | 1.35% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
