Inferra AI / Company / GABC
German American Bancorp, Inc..
GABC · Financials
Last earnings Oct 26, 2026
Key results
Net incomequarter
$35.7 million
For the three months ended December 31, 2025, the Company reported net income of $35.7 million, or $0.95 per share, reflecting a linked quarter increase of $0.7 million, or approximately 1% on a per share basis, from previous record third quarter 2025 net income of $35.1 million, or $0.94 per share.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
The Company also reported strong annual net income of $112.6 million, or $3.06 per share, for the year ended December 31, 2025, reflecting a year-over-year increase of $28.8 million, or approximately 8% on a per share basis, from year end December 31, 2024 net income of $83.8 million, or $2.83 per share.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
On an adjusted basis*, net income for the three months ended December 31, 2025 was $35.9 million, or $0.96 per share, reflecting a linked quarter increase of $1.5 million, or approximately 4.4% on a per share basis, from previous third quarter net income of $34.4 million, or $0.92 per share.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
net income of $83,811,000, or $2.83 per share.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
net income of $35,074,000, or $0.94 per share, and an increase of 22% on a per share basis compared with the fourth quarter 2024
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
net income of $23,211,000, or $0.78 per share.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
On an adjusted basis, net income for the fourth quarter of 2025 was $35,895,000, or $0.96 per share, compared with adjusted net income of $34,444,000, or $0.92 per share, for the third quarter of 2025, and $23,419,000, or $0.79 per share, for the fourth quarter of 2024.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Net incomefull-year
$112,635 thousand
NET INCOME $ 35,683 $ 35,074 $ 23,211 $ 112,635 $ 83,811
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
EPSquarter
$ 0.95
DILUTED EARNINGS PER SHARE $ 0.95 $ 0.94 $ 0.78 $ 3.06 $ 2.83
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
EPSfull-year
$ 3.06
DILUTED EARNINGS PER SHARE $ 0.95 $ 0.94 $ 0.78 $ 3.06 $ 2.83
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
AI analysis
Q3 2025 · reported Jan 26, 2026
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
The quarter in charts
Diluted EPS — GAAP
Per diluted share, as stated
EX-99 · Jan 26, 2026 EPS values as stated in the release.
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $35.7 million | — | — |
| EPS | $ 0.95 | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
The Company also announced a 7% increase in its regular quarterly cash dividend, as its Board of Directors declared a regular quarterly cash dividend of $0.31 per share, which will be payable on February 20, 2026 to shareholders of record as of February 10, 2026.
Event summary
For additional information, contact D
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
The Company also announced a 7% increase in its regular quarterly cash dividend, as its Board of Directors declared a regular quarterly cash dividend of $0.31 per share, which will be payable on February 20, 2026 to shareholders of record as of February 10, 2026.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Neil Dauby, Chairman and Chief Executive Officer Bradley M Rust, President and Chief Financial Officer (812) 482-1314 3 of 25 The Company announced a 7% increase to its quarterly cash dividend, making it the 14 th consecutive year of increased cash dividends reflecting the Company s strong operations and healthy capital position D.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
The decline in non-interest income during the fourth quarter of 2025 compared with the third quarter of 2025 was largely driven by a $283,000 loss on the extinguishment of debt resulting from the redemption of $40.0 million of the Company's fixed-to-floating rate subordinated notes during the fourth quarter of 2025 and a $975,000 gain on the extinguishment of debt resulting from the NEWS RELEASE For additional information, contact D.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Excluding the loss and gain on the extinguishment of debt discussed above, non-interest income on an adjusted basis for the fourth quarter of 2025 was $17,593,000 and $17,454,000 for the third quarter of 2025.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
The decline in non-interest income during the fourth quarter of 2025 compared with the third quarter of 2025 was largely driven driven by the previously discussed $283,000 loss on the extinguishment of debt during the fourth quarter of 2025 and the $975,000 gain on the extinguishment of debt during the third quarter of 2025.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
changes in customer borrowing, repayment, investment and deposit practices i.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Strategy & priorities
the introduction, withdrawal, success and timing of asset liability management strategies or of mergers and acquisitions and other business initiatives and strategies h.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
risks of expansion through acquisitions and mergers, including the possibility that the anticipated cost savings and strategic gains, are not realized when expected or at all as a result of unexpected credit quality problems of the acquired loans or other assets, unexpected attrition of the customer base or employee base of the acquired institution or branches, and difficulties in integration of the acquired operations m.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Such statements reflect our views with respect to future events and are subject to these and other risks, uncertainties and assumptions relating to the operations, results of operations, growth strategy and liquidity of German American.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
NOTE 5 - Derivatives Interest Rate Swaps The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies.
SEC original ↗German American Bancorp, Inc.. — 10-Q Quarterly report10-QAug 6, 2026
Risks & headwinds
Readers are cautioned that, by their nature, forward-looking statements are based on assumptions and are subject to risks, uncertainties, and other factors.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
litigation liabilities, including related costs, expenses, settlements and judgments, or the outcome of matters before regulatory agencies, whether pending or commencing in the future q.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Such statements reflect our views with respect to future events and are subject to these and other risks, uncertainties and assumptions relating to the operations, results of operations, growth strategy and liquidity of German American.
SEC original ↗German American Bancorp, Inc.. — Earnings release (8-K exhibit)EX-99Jan 26, 2026
Legal Proceedings 64 Item 1A.
SEC original ↗German American Bancorp, Inc.. — 10-Q Quarterly report10-QAug 6, 2026
Earnings deck slides
1 deck with slide viewGerman American Bancorp, Inc.. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
German American Bancorp, Inc.. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
31 documentsEarnings releases
10 documentsPresentations
3 documents
Transcripts
0 documentsNo transcripts for German American Bancorp, Inc.. are held in this edition of the library.
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