GERMAN AMERICAN BANCORP, INC.(GABC)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
GERMAN AMERICAN BANCORP, INC. (GABC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores GABC at 68.4/100 on a 32-signal composite quality model, placing it at rank #322 of 2,960 stocks — the top 25% of the AI-ranked universe. GABC scores in the top quartile across profitability (91.3), free cash flow (88.8), revenue growth (87.5). Areas of concern include institutional flow (36.7) and revenue scale (37.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), GERMAN AMERICAN BANCORP, INC. reports quarterly revenue of $126.9M, net income of $38.2M, an operating margin of 37.9%. Top institutional holders of GABC by reported 13-F value include BlackRock, FRANKLIN RESOURCES, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. GABC trades on the Nasdaq exchange and files with the SEC under CIK 714395. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate GABC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for GERMAN AMERICAN BANCORP, INC. directly from SEC EDGAR.
AI Quality Score
68.4/100
AI Rank
#322
Revenue
$126.9M
Net Income
$38.2M
Free Cash Flow
$55.3M
Operating Margin
37.9%
GABC key financials by period
GERMAN AMERICAN BANCORP, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$487.4M
$112.6M
28.7%
FY 2024
10-K
$353.7M
$83.8M
29.4%
FY 2023
10-K
$316.9M
$85.9M
32.7%
FY 2022
10-K
$278.1M
$81.8M
35.7%
FY 2021
10-K
$220.3M
$84.1M
46.7%
FY 2020
10-K
$209.7M
$62.2M
35.8%
Institutions holding GABC
Institutional investors reporting a position in GERMAN AMERICAN BANCORP, INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $38.2M ($1.02 per share) grew 21% YoY; net interest margin expanded 38 basis points to 4.30% driven by lower deposit costs and higher earning asset yields.
Biggest Revenue Drivers
Interest and Fees on Loans$93.5M+4% YoY
Higher average loan balances and improved yields on earning assets
Wealth Management Fees$5.0M+20% YoY
Increased assets under management driven by healthy capital markets and new business
Biggest Revenue Drivers
Total revenue: $126.9M+3% YoY
Interest and Fees on Loans$93.5M+4% YoY
Higher average loan balances and improved yields on earning assets
Wealth Management Fees$5.0M+20% YoY
Increased assets under management driven by healthy capital markets and new business
Interchange Fee Income$5.3M+5% YoY
Higher level of customer transaction volume
Other Non-Interest Income$8.4M+18% YoY
Gains on loan sales, service charges on deposits, and other operating income
Largest Expense Items
Salaries and Employee Benefits$27.1M+2% YoY
Standard merit increases and higher incentive compensation
Interest on Deposits$25.2M-18% YoY
Lower deposit costs from Federal Reserve rate cuts and ability to reduce rates paid
Data Processing Fees$4.4M+7% YoY
Increased technology and processing expenses
Occupancy, Furniture and Equipment Expense$5.2M+9% YoY
Increased real estate taxes, depreciation, and repairs and maintenance
Margins: Net interest margin expanded 38 basis points to 4.30% in Q2 2026 from 3.92% in Q2 2025, driven primarily by lower cost of funds reflecting Federal Reserve rate cuts and the company's ability to lower deposit rates, combined with improved yields on earning assets. Accretion of discounts on acquired loans contributed 17 basis points to the margin.
Watch Items from the Filing
Non-performing loans declined to 0.45% of total loans at June 30, 2026 from 0.50% at year-end 2025, with $26.8M in non-performing assets representing 0.32% of assets; approximately $17.7M relates to Heartland acquisition.
Allowance for credit losses of $79.4M (1.34% of loans) increased from $77.7M (1.32%) at year-end; adequacy supported by conservative provision methodology but watch for credit normalization in higher-rate environment.
Commercial real estate portfolio represents 54% of loans ($3.2B); well-diversified across property types but concentration and occupancy risk warrant monitoring given current economic conditions.
Heartland acquisition (February 2025) added $1.94B in assets, $1.58B loans, $1.73B deposits; integration progressing but company recorded $23.2M direct acquisition costs and $196.4M goodwill.
Capital ratios remain strong with Total Capital at 15.50% and CET1 at 14.06% at June 30, 2026; well above regulatory minimums and conservation buffer, supporting dividend and future growth capacity.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
