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German American Bancorp ( (GABC) ) has shared an announcement.
On January 26, 2026, German American Bancorp reported record fourth-quarter 2025 earnings of $35.7 million, or $0.95 per share, and strong full-year 2025 net income of $112.6 million, or $3.06 per share, with even higher results on an adjusted basis. The bank posted a robust net interest margin of 4.13%, a low efficiency ratio around 49%, healthy credit metrics with minimal net charge-offs, and a tangible common equity ratio of 9.44%, while achieving 7% annualized linked-quarter loan growth and marking its 21st consecutive year of double-digit return on average shareholder equity. Total assets rose to $8.389 billion at year-end 2025, driven largely by the February 1, 2025 acquisition of Heartland BancCorp and continued organic loan growth, and the Heartland integration was described as seamless. Reflecting its strong capital position and consistent profitability, the board declared a 7% increase in the regular quarterly cash dividend to $0.31 per share, payable February 20, 2026 to shareholders of record on February 10, 2026, marking the 14th straight year of dividend increases and underscoring management’s confidence in the bank’s earnings power and regional growth strategy.
The most recent analyst rating on (GABC) stock is a Buy with a $45.00 price target. To see the full list of analyst forecasts on German American Bancorp stock, see the GABC Stock Forecast page.
Spark’s Take on GABC Stock
According to Spark, TipRanks’ AI Analyst, GABC is a Outperform.
German American Bancorp’s strong financial performance and recent record earnings are significant strengths, supporting a positive outlook. The technical indicators suggest stable price trends, though potential overbought conditions warrant caution. The valuation is fair, with an attractive dividend yield. Recent corporate engagements and earnings highlight strategic growth and transparency, enhancing investor confidence.
To see Spark’s full report on GABC stock, click here.
More about German American Bancorp
German American Bancorp, Inc., based in Jasper, Indiana, is a regional banking company operating German American Bank, with a community-focused footprint across Indiana, Kentucky and Ohio. The bank offers a diversified suite of commercial, agricultural, consumer and wealth management services, and has expanded its scale and presence through acquisitions such as Heartland BancCorp in Ohio, while maintaining a focus on relationship banking and disciplined growth.
Average Trading Volume: 118,965
Technical Sentiment Signal: Strong Buy
Current Market Cap: $1.51B
For a thorough assessment of GABC stock, go to TipRanks’ Stock Analysis page.