profit from every $100 of sales.
$0$100
German American Bancorp
$49.83+0.26% today
+26.1% in 1 year
1-year low $37.991-year high $51.38
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $16.63 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What German American Bancorp sold, what it kept, and what it did with the cash.
Sales went from $260 million in 2022 to $361 million in 2025, with $113 million of profit last year.
SalesProfit
German American Bancorp handed back 28% of the cash it generated last year.
$43M
Free cash flow 2025$154M
Bought back its own shares–
Paid as dividends$43M
Cash vs. debt$72M vs. $139M
German American Bancorp vs. similar companies
German American Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| German American Bancorp | 16.6× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads German American Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 260 | 251 | 215 | 361 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 82 | 86 | 84 | 113 | |
| 2.78 | 2.91 | 2.83 | 3.06 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.5% | 34.3% | 39.0% | 31.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 6,156 | 6,152 | 6,296 | 8,389 |
| Cash | 76 | 79 | 70 | 72 |
| Total debt | 128 | 128 | 153 | 139 |
| Total liabilities | 5,598 | 5,489 | 5,581 | 7,226 |
| 558 | 664 | 715 | 1,162 | |
| 29 | 30 | 30 | 37 | |
| – | – | – | – | |
| 14.7% | 12.9% | 11.7% | 9.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 110 | 107 | 96 | 159 | |
| 8 | 6 | 5 | 5 | |
| 102 | 101 | 91 | 154 | |
| Dividends paid | 27 | 29 | 32 | 43 |
| – | – | – | – | |
| 2 | 2 | 3 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 16.6×
- 13.3×
- 5.11
- 1.4×
- 5.2×
- 6.0%
- 2.7%
Profitability
- 31.2%
- 1.6%
- 9.7%
- 12.0%
- 1.6%
Growth
- +11.6%
- +3.3%
- +8.8%
- +8.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 32%of 768
Top 29%of 611
Bottom 38%of 881
Top 43%of 880
Top 31%of 926
What analysts expect
- Average price target
- $48.00
- Range
- $47.00 – $49.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 27, 2026 | 0.88 | 0.90 | −2.2% |
| Jan 26, 2026 | 0.96 | 0.90 | +6.7% |
| Oct 27, 2025 | 0.92 | 0.86 | +7.0% |
| Jul 28, 2025 | 0.86 | 0.83 | +3.6% |
| Apr 28, 2025 | 0.79 | 0.72 | +9.7% |
| Jan 27, 2025 | 0.78 | 0.71 | +9.9% |
| Oct 28, 2024 | 0.71 | 0.70 | +1.4% |
| Jul 29, 2024 | 0.68 | 0.62 | +9.7% |
2.7%of the share price, paid each year
On $1,000 invested$27a year at today's yield, before tax
+8.8%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.45 in 2015 → $1.16 in 2025
How safe it looks
38.4% of its profit
Room to growStretchedMore than it earns: 28.1%
News
GE Vernova to supply three wind turbines for German wind farmSeeking Alpha · Nov 9, 2026Nvidia to back four German AI startups as part of near-$10B European pushSeeking Alpha · Oct 20, 2026MSC explores takeover of German cruise-ship builder Meyer WerftSeeking Alpha · Sep 20, 2026Meta faces German court ruling over fake ads on Facebook, InstagramSeeking Alpha · Sep 17, 2026Volkswagen to turn German car plant into defense hubSeeking Alpha · Sep 8, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
68Pass
Benjamin Graham
81Pass
Philip Fisher
63Pass
Peter Lynch
30No pass
Joel Greenblatt
13No pass
Charlie Munger
61Pass
Terry Smith
63Pass
Questions about German American Bancorp
Is German American Bancorp a good stock to buy?
A strong, very profitable business at a fair price. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the German American Bancorp AI analysis
What does German American Bancorp do?
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. It is in Banks - Regional.
Does German American Bancorp pay a dividend?
Yes. At today's price the dividend is 2.7% a year, about 38% of its yearly profit. In 2025 it paid out $43.3 million in dividends.
Is German American Bancorp stock halal?
No. German American Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has German American Bancorp stock done over the past year?
Up 26.1% over the past twelve months, to $49.83. It traded between $37.99 and $51.38 and is 3.0% below its high.
Who are German American Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with German American Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.