OakChart

German American Bancorp Inc

GABCFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 11:23 AM ET

49.85-0.27 (-0.54%)
2026-11-11 17:25 CET
Market cap
1,883.45 USD m
Revenue, TTM
- USD m
Net income, TTM
145.64 USD m
Free cash flow, TTM
165.90 USD m
EPS diluted, TTM
3.88
P/E
12.85
Compare

Price

GABC against its 20, 50 and 200-day averages
2050200beat
45.0050.00510K1.0MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26GABCclose 49.8520-day 50.0350-day 49.51200-day 46.0649.8552w high

4.8% under the 52-week high of 52.39 on 5 Nov 2026. 52-week low 37.73 on 19 Nov 2025. Last 15 sessions, 8.3% high to low

Profile

GABC
52-week range, 83% of the way up
37.7352.39

German American Bancorp, Inc. is a financial holding company, which engages in owning a trust, brokerage, and financial planning through German American Financial Advisors & Trust Co. and German American Insurance, Inc. It operates through the following segments: Core Banking, Wealth Management Services, Insurance Operations, and Other. The Core Banking segment is involved in attracting deposits from the public and using such funds to originate consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, primarily in the company's local markets. The Wealth Management Services segment offers trust, investment advisory, brokerage, and retirement planning services to customers. The Insurance Operations segment focuses on the full range of personal and corporate property and casualty insurance products, primarily in the company's banking subsidiary's local markets. The company was founded in 1982 and is headquartered in Jasper, IN.

IndexRUT
Employees984
IPOMay 21, 1993
Beta0.61
ATR, 14d1.15
Rel volume0.11
Short float3.57%
Insider own3.21%
Inst own53.74%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap1.87B
Enterprise Value-
Income145.64M
Sales505.79M
Book/sh30.71
Cash/sh-
Dividend Est.1.24 (2.49%)
Dividend TTM1.24 (2.49%)
Dividend Ex-DateNov 10, 2026
Dividend Gr. 3/5Y8.03% 8.83%
Payout37.90%
Employees984
IPOMay 21, 1993

Ratios

P/E12.85
Forward P/E11.98
PEG0.93
P/S3.70
P/B1.62
P/C-
P/FCF11.29
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.06
Debt/Eq0.24
LT Debt/Eq0.21
Option/ShortYes / Yes

Earnings

EPS (ttm)3.88
EPS next Y4.16
EPS next Q1.02
EPS this Y29.03%
EPS next Y5.36%
EPS next 5Y12.87%
EPS past 3/5Y3.30% 5.48%
Sales past 3/5Y20.61% 16.34%
EPS Y/Y TTM35.76%
Sales Y/Y TTM12.22%
EPS Q/Q9.91%
Sales Q/Q2.42%
EarningsOct 26 AMC
EPS/Sales Surpr.1.98% 1.01%

Ownership

Insider Own3.21%
Insider Trans0.36%
Inst Own53.74%
Inst Trans1.04%
ROA1.73%
ROE12.81%
ROIC10.45%
Gross Margin-
Oper. Margin36.02%
Profit Margin28.80%
SMA20-0.36%
SMA500.68%
SMA2008.23%
Trades-

Technical

Shs Outstand37.58M
Shs Float36.37M
Short Float3.57%
Short Ratio9.29
Short Interest1.30M
52W High52.39 -4.85%
52W Low37.73 32.12%
Volatility2.35% 2.36%
ATR (14)1.15
RSI (14)50.23
Beta0.61
Rel Volume0.11
Avg Volume139.68K
Volume5,083

Performance

Perf Week-1.79%
Perf Month2.28%
Perf Quarter-2.47%
Perf Half Y18.10%
Perf YTD27.23%
Perf Year26.23%
Perf 3Y77.40%
Perf 5Y16.72%
Perf 10Y59.10%
Recom2.00
Target Price56.40
Prev Close50.12
Price49.85
Change %-0.54%

Analyst ratings

latest 10 of 18
DateActionAnalystRating changeTargetImplied
Jul 08, 2026ResumedRRaymond JamesMkt Perform
Mar 20, 2026UpgradePPiper SandlerNeutral → Overweight$47-5.7%
Oct 30, 2024UpgradeHHovde GroupMarket Perform → Outperform$41 → $48-3.7%
Oct 15, 2024InitiatedSStephensOverweight$45-9.7%
May 31, 2024ReiteratedHHovde GroupMarket Perform$33 → $34-31.8%
Jan 05, 2024UpgradeRRaymond JamesMkt Perform → Outperform$38-23.8%
May 25, 2023ResumedPPiper SandlerNeutral$31-37.8%
Aug 05, 2019DowngradeHHovde GroupOutperform → Market Perform$34-31.8%
Jan 02, 2019UpgradeHHovde GroupMarket Perform → Outperform$31-37.8%
Apr 26, 2017DowngradeSSandler O'NeillBuy → Hold

Peers

Mkt cap
TickerCompanyMkt cap
FRMEFirst Merchants Corp2.57B
LKFNLakeland Financial Corp1.53B
HBNCHorizon Bancorp Inc (IN)1.09B
SYBTStock Yards Bancorp Inc2.48B
THFFFirst Financial Corp918.56M
CTBICommunity Trust Bancorp Inc1.27B
FFBCFirst Financial Bancorp3.43B
ONBOld National Bancorp9.49B
RBCAARepublic Bancorp Inc (KY)1.59B
PRKPark National Corp3.19B

Insider trading

latest 14 of 35
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Bawel Zachary WDirectorOct 15 '26Buy49.6634417,10027,560Oct 16 02:35 PM
Ryan Christina MDirectorOct 15 '26Buy49.66210019,735Oct 16 02:33 PM
Seger Andrew MDirectorOct 15 '26Buy49.66210020,560Oct 16 02:32 PM
Ryan Christina MDirectorSep 15 '26Buy49.891246,20019,733Sep 16 04:28 PM
Bawel Zachary WDirectorSep 15 '26Buy49.8940120,00027,215Sep 16 04:27 PM
Seger Andrew MDirectorSep 15 '26Buy49.891507,50020,558Sep 16 04:25 PM
Seger Andrew MDirectorAug 17 '26Buy51.1239120,00020,383Aug 18 03:08 PM
Ryan Christina MDirectorAug 17 '26Buy51.1239120,00019,497Aug 18 03:06 PM
Bawel Zachary WDirectorAug 17 '26Buy51.1239120,00026,666Aug 18 03:04 PM
KELLY JASON MDirectorAug 17 '26Buy51.12492,50015,555Aug 18 02:58 PM
Ryan Christina MDirectorJul 16 '26Buy47.8441820,00019,106Jul 17 03:39 PM
Bawel Zachary WDirectorJul 16 '26Buy47.8441820,00026,275Jul 17 03:38 PM
Seger Andrew MDirectorJul 16 '26Buy47.8441820,00019,992Jul 17 03:36 PM
Stokes Ronnie RDirectorJul 16 '26Buy47.8431415,0008,626Jul 17 03:34 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
SCHDSchwab US Dividend Equity ETFAUM: 122.69B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
DFASU.S. Small Cap Portfolio-ETF Class Shares-
OSCVOpus Small Cap Value Plus ETFAUM: 632.77M
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
VIGVanguard Dividend Appreciation FTFAUM: 117.07B

News

latest 14 of 206
  • German American Bancorp: Q3 Earnings Snapshot (Associated Press)
  • German American Bancorp, Inc. (GABC) Announces Record Earnings for Third Quarter 2026 (Business Wire)
  • German American Bancorp Inc's Dividend Analysis (GuruFocus.com)
  • German American Bancorp: Q2 Earnings Snapshot (Associated Press)
  • German American Bancorp, Inc. (GABC) Announces Record Earnings for Second Quarter 2026 (Business Wire)
  • Loading…
  • German American Bank Awarded Raymond James Community Bankers Cup for 2025 Performance (Business Wire)
  • German American Bancorp: Q1 Earnings Snapshot (Associated Press)
  • German American Bancorp, Inc. (GABC) Announces First Quarter Financial Results (Business Wire)
  • Neil Dauby Elected to the Board of Directors of the Federal Reserve Bank of St. Louis (Business Wire)
  • S & P Global Market Intelligence Ranks German American Bank as a Top Community Bank in the Nation (Business Wire)
  • Why German American Bancorp (GABC) is a Great Dividend Stock Right Now (Zacks)
  • Why German American Bancorp (GABC) is a Top Dividend Stock for Your Portfolio (Zacks)
  • German American Bank Receives Forbes Recognition as Top 10 in Americas Best Banks (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-261.0301.0101.030103.68102.656
2026Q22026-07-271.0200.9231.016101.3499.226
2026Q12026-04-270.8800.8840.88497.4395.845
2025Q42026-01-260.9500.9050.95297.8594.636
2025Q32025-10-270.9400.8630.93694.4592.186
2025Q22025-07-280.8400.7350.83791.1690.316
2025Q12025-04-280.3000.4270.30382.7779.566
2024Q42025-01-270.7800.6650.78265.1563.986
2024Q32024-10-280.7100.7020.70962.4063.846
2024Q22024-07-290.6901.3480.69264.8961.395
2024Q12024-04-290.6400.6430.64360.8262.864
2023Q42024-01-290.7300.6700.72761.2063.054
2023Q32023-10-300.7300.6900.72562.3663.955
2023Q22023-07-310.7500.6720.74863.1563.445
2023Q12023-04-240.7100.7980.70563.9867.324
2022Q42023-01-300.8300.8380.82866.0567.655

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.6701.6901.774131.76136.25
2018FY1.9902.0421.990170.82152.29
2019FY2.2902.3002.293221.98190.67
2020FY2.3402.1382.344228.84207.07
2021FY3.1703.1743.171220.29220.86
2022FY2.7802.7882.777259.72265.15
2023FY2.9102.8532.906250.69257.29
2024FY2.8302.7082.826253.25253.59
2025FY3.0602.9933.060366.19362.11
2026FY-3.948--407.35
2027FY-4.160--428.62
2028FY-4.400--449.91

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-27510104.77104105.61
2026Q4S2026-10-26500103.86103104.2
2026Q4S2026-10-11500103.86103104.2
2026Q4S2026-10-06520103.86103104.2
2026Q4S2026-09-21520103.86103104.2
2026Q4S2026-07-28520103.87103104.2
2026Q4S2026-07-12500102.82101.57104.41
2026Q4S2026-07-06530102.82101.57104.41
2026Q4S2026-07-02430103.02101.57104.41
2026Q4S2026-04-28430103.19101.57105.1
2026Q4S2026-04-12400101.5398.50103.33
2026Q4S2026-04-01440101.5398.50103.33
2026Q4S2026-03-31550101.1698.50103
2026Q4S2026-01-28550101.2698.50103.5

Estimate history

EPS, annual1.7741.992.2932.3443.1712.7772.9062.8263.0613.8796
Period201720182019202020212022202320242025TTM
EPS, quarterly0.7090.7820.3030.8370.9360.9520.8841.0161.028
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual142.406170.771221.546228.575228.71277.656316.573353.052487.094505.79
Period201720182019202020212022202320242025TTM
Sales, quarterly88.52390.186110.948123.187126.394126.565122.887126.895129.447
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual22.93424.96726.67126.50226.55429.49329.58529.67737.49637.579
Period201720182019202020212022202320242025MRQ
Shares, quarterly29.67929.67737.48237.49337.49337.49637.56537.57737.579
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income434.06420.09291.04256.66218.93170.38174.37176.47133.75
Total Interest Expense111.81125.96100.4566.2218.349.5519.1331.2519.14
Net Interest Income322.26294.13190.59190.43200.58160.83155.24145.22114.61
Loan Loss Provision6.2219.432.772.556.35-6.5017.555.332.07
Net Interest Income After Loan Loss Provision316.03274.71187.82187.88194.23167.33137.69139.90112.54
Non-Interest Income71.7367.0062.0159.9258.7358.3354.2145.0737.02
Non-Interest Expense205.56201.64145.73144.15153.79122.88116.86113.7393.50
Operating Income182.21140.07104.10103.6599.18102.7875.0471.2456.06
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes182.21140.07104.10103.6599.18102.7875.0471.2456.06
Income Taxes36.5627.4320.2917.7617.3518.6512.8312.029.53
Consolidated Net Income145.64112.6483.8185.8981.8384.1462.2159.2246.53
Net Income From Continuing Operations145.64112.6483.8185.8981.8384.1462.2159.2246.53
Net Income145.64112.6483.8185.8981.8384.1462.2159.2246.53
EPS (Recurring)3.883.062.832.912.783.172.342.291.99
EPS (Basic, Before Extraordinaries)3.883.062.832.912.783.172.342.291.99
EPS (Diluted)3.883.062.832.912.783.172.342.291.99
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense2.542.992.932.292.190.001.510.941.53
Price To Earnings Ratio12.9212.9214.5110.7813.9512.2914.1115.5013.97
Price To Sales Ratio3.592.963.383.033.964.523.844.153.80
Operating Margin36.0228.7629.4932.7435.7244.9432.8332.1632.83
Net Margin28.8023.1223.7427.1329.4736.7927.2226.7327.25
Shares Outstanding37.5837.5029.6829.5829.4926.5526.5026.6724.97
Market Capitalization1,883.451,883.451,193.66958.541,099.791,034.77876.63949.70693.11

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income110.83108.18105.71109.34108.10106.4496.2276.56
Total Interest Expense27.3226.9726.8630.6632.3733.2829.6425.52
Net Interest Income83.5281.2178.8578.6875.7273.1666.5751.03
Loan Loss Provision0.501.502.002.230.701.2015.300.62
Net Interest Income After Loan Loss Provision83.0279.7176.8576.4575.0371.9551.2750.41
Non-Interest Income18.6118.7117.1817.2218.3016.7514.7313.63
Non-Interest Expense53.0250.3552.3249.8649.5749.5452.6735.36
Operating Income48.6148.0741.7143.8143.7539.1713.3328.68
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes48.6148.0741.7143.8143.7539.1713.3328.68
Income Taxes9.979.908.568.138.687.812.815.47
Consolidated Net Income38.6438.1733.1535.6835.0731.3610.5223.21
Net Income From Continuing Operations38.6438.1733.1535.6835.0731.3610.5223.21
Net Income38.6438.1733.1535.6835.0731.3610.5223.21
EPS (Recurring)1.031.020.880.950.940.840.300.78
EPS (Basic, Before Extraordinaries)1.031.020.880.950.940.840.300.78
EPS (Diluted)1.031.020.880.950.940.840.300.78
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.840.000.920.790.710.790.700.64
Price To Earnings Ratio12.9213.1613.8113.7114.9215.4913.2714.51
Price To Sales Ratio3.593.553.143.023.273.503.423.38
Operating Margin37.5537.8833.9434.6234.6231.8012.0131.80
Net Margin29.8530.0826.9828.1927.7525.469.4825.74
Shares Outstanding37.5837.5837.5737.5037.4937.4937.4829.68
Market Capitalization1,883.451,782.801,570.281,468.931,472.351,443.381,403.481,193.66

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks71.4369.2578.8177.1747.1757.9759.9764.5558.23
Investments1,734.851,666.781,661.581,837.962,268.581,545.75935.36864.24774.45
Net Loans5,797.404,080.473,927.323,740.772,967.253,041.213,060.812,712.242,125.94
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.070.000.000.000.000.330.420.290.05
Net Property, Plant & Equipment139.00104.05106.78112.2488.8696.5996.6580.6354.25
Interest Receivables39.0031.2830.5927.7420.2320.2818.4316.6313.26
Other Intangible Assets607.03344.09347.12360.11216.44215.10226.02190.52118.17
Total Assets8,388.786,295.916,152.206,155.995,608.544,977.584,397.673,929.093,144.36
Total Deposits6,989.745,329.075,252.965,350.054,744.324,106.533,430.023,072.632,484.05
Total Debt188.45214.62199.27210.25158.41202.85358.81376.41275.22
Long Term Debt142.53156.09106.53107.2088.35139.98148.3595.04100.99
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Other Liabilities48.2737.1536.4037.2937.3543.4835.0221.4120.52
Total Liabilities7,226.455,580.845,488.645,597.604,940.084,352.873,823.853,470.452,779.79
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity1,162.33715.07663.56558.39668.46624.71573.82458.64364.57
Total Shareholders Equity1,162.33715.07663.56558.39668.46624.71573.82458.64364.57
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity1,162.33715.07663.56558.39668.46624.71573.82458.64364.57
Total Liabilities & Stockholders Equity8,388.786,295.916,152.206,155.995,608.544,977.584,397.673,929.093,144.36
Book Value Per Share31.0024.0922.4318.9325.1723.5721.5118.3715.90
Tangible Book Value Per Share20.0817.9316.1212.5020.3718.6316.4913.8213.45
Tier 1 Capital963.39791.79735.09676.07551.53486.69442.74365.56323.70
Tier 2 Capital61.0872.2075.3071.4760.0967.4756.2815.8215.69
Full-Time Employees9841,020840866894776821747621
Price to Book Ratio1.631.601.782.221.551.401.661.512.25
Return on Assets1.531.351.401.391.591.331.421.321.33
Return on Equity12.0012.1614.0613.3413.0110.3811.4711.3011.71
Return on Invested Capital8.639.6211.1512.2911.128.148.208.408.74
Current Ratio0.080.100.060.080.260.290.120.110.11

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations174.75149.6595.30100.94100.8784.4280.7770.7954.78
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-1.479.670.390.550.531.531.512.892.05
Cash from Operating Activities173.29159.3295.70101.49101.4085.9682.2873.6856.83
Capital Expenditures-7.39-5.32-5.05-5.75-7.85-4.69-7.07-9.37-15.19
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00-17.57
Sale of Fixed Assets and Businesses0.3422.740.003.63207.763.663.937.3143.13
Purchase or Sale of Investments-61.76152.3738.34218.15-128.70-699.50-337.8328.5029.79
Purchase of Investments-744.67-620.32-722.30-183.30-417.94-1,020.70-664.99-169.64-140.60
Sale Or Maturity of Investments682.91772.69760.64401.45289.24321.20327.16198.13170.39
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.0040.000.000.770.551.081.220.77
Cash from Investing Activities-284.27-60.27-82.3333.00-15.55-625.41-335.9426.14-120.42
Cash Dividends Paid-45.59-43.28-31.84-29.43-27.02-22.22-20.14-17.56-14.07
Change in Capital Stock0.000.000.000.000.000.00-5.790.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00-5.790.000.00
Sale of Common Pref Stock0.000.000.000.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net56.37-56.4115.74-10.32-11.87-42.67-155.46-57.9927.84
Change in Long Term Debt-65.53-39.4824.8424.87-41.69-58.09-40.6224.04-15.15
Issuance of Long Term Debt0.0025.0075.0025.000.000.000.0089.2125.00
Reduction of Long Term Debt-65.53-64.48-50.16-0.13-41.69-58.09-40.62-65.17-40.16
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses----0.000.000.00--
Cash from Financing Activities-67.32-169.4660.10-136.54-363.67590.60495.52-88.562.66
Net Change in Cash-178.30-70.4173.46-2.05-277.8151.14241.867.3326.19
Free Cash Flow165.90154.0090.6595.7593.5581.2775.2164.3141.64
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow15.1113.0220.2814.4516.5217.5215.9519.6823.55
Federal Home Loan Advances Increase (Decrease)-3.730.260.358.090.120.801.152.61

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks68.5379.6575.9671.43112.7299.87
Investments1,632.171,725.951,752.501,734.851,794.491,710.01
Net Loans5,910.035,852.865,770.885,797.405,702.455,663.92
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment136.94137.60137.31139.00139.85139.44
Interest Receivables39.0138.0537.6839.0037.0535.64
Other Intangible Assets624.61605.90608.13607.03614.64631.23
Total Assets8,411.298,440.008,382.468,388.788,401.258,280.14
Total Deposits6,936.516,995.766,980.916,989.747,014.506,954.69
Total Debt272.86174.12174.65188.45216.78205.96
Long Term Debt240.50142.02142.28142.53182.31181.16
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities48.0558.5652.3148.2750.2549.99
Total Liabilities7,257.427,228.447,207.877,226.457,281.527,210.64
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,153.871,211.561,174.591,162.331,119.721,069.50
Total Shareholders Equity1,153.871,211.561,174.591,162.331,119.721,069.50
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,153.871,211.561,174.591,162.331,119.721,069.50
Total Liabilities & Stockholders Equity8,411.298,440.008,382.468,388.788,401.258,280.14
Book Value Per Share30.7132.2431.2731.0029.8628.53
Tangible Book Value Per Share20.0121.4820.4420.0818.8917.40
Full-Time Employees---984--
Price to Book Ratio1.631.521.351.311.381.38
Return on Assets1.731.701.611.531.371.19
Return on Equity12.8112.4612.1812.0010.759.80
Return on Invested Capital2.772.822.522.732.692.51
Current Ratio0.060.070.080.080.150.12

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations47.1842.6437.9846.9538.1836.31
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-9.614.665.57-2.088.17-3.11
Cash from Operating Activities37.5747.3143.5544.8746.3533.21
Capital Expenditures-1.82-2.85-1.07-1.65-1.66-0.75
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.340.000.000.07
Purchase or Sale of Investments-18.85-4.57-21.48-16.86-13.85-6.00
Purchase of Investments-205.14-184.69-200.12-154.71-176.52-147.60
Sale Or Maturity of Investments186.29180.12178.64137.86162.67141.60
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-82.47-80.00-4.01-117.79-49.77-106.58
Cash Dividends Paid-11.59-11.59-11.58-10.82-10.82-10.82
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.000.000.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net98.97-0.31-13.56-28.739.90-15.01
Change in Long Term Debt-25.07-0.07-0.07-40.310.91-0.04
Issuance of Long Term Debt0.000.000.000.0025.000.00
Reduction of Long Term Debt-25.07-0.07-0.07-40.31-24.09-0.04
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00--0.00
Cash from Financing Activities28.092.93-34.00-64.3558.92-168.77
Net Change in Cash-16.81-29.775.54-137.2755.50-242.14
Free Cash Flow35.7544.4542.4843.2144.6932.46
Price to Free Cash Flow15.1113.7113.2013.2715.2220.36

Revenue breakdown

State Commercial Banks2024: 353.70M 2025: 487.40M
United States2024: 353.70M 2025: 487.40M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.57%1.3M36.4M139.37K
2026-10-153.70%1.3M36.4M144.60K
2026-09-303.69%1.3M36.4M144.82K
2026-09-153.59%1.3M36.4M164.46K
2026-08-313.37%1.2M36.4M169.39K
2026-08-143.27%1.2M36.4M169.17K
2026-07-313.19%1.2M36.4M162.51K
2026-07-153.30%1.2M36.3M150.02K
2026-06-303.22%1.2M36.3M147.66K
2026-06-153.18%1.2M36.3M153.28K
2026-05-292.89%1.1M36.3M150.19K
2026-05-153.02%1.1M36.3M147.54K
2026-04-303.17%1.2M36.3M156.15K
2026-04-153.25%1.2M36.4M162.48K
2026-03-313.38%1.2M35.8M160.16K
2026-03-133.40%1.2M35.8M130.21K
2026-02-273.21%1.1M35.8M133.43K
2026-02-133.40%1.2M35.8M135.10K
2026-01-303.34%1.2M35.8M124.53K
2026-01-153.31%1.2M35.8M116.84K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call25.0023.3026.300.003.8780.000.000.976-0.0600.004
call30.0018.6021.000.002.8060.000.000.968-0.0570.005
call35.0013.6016.000.002.1320.000.000.958-0.0540.007
call40.007.5011.400.001.7370.000.000.873-0.1250.016
call45.002.557.400.001.5070.000.000.806-0.1010.022
call50.000.054.900.451.56820.000.000.548-0.2700.031
call55.000.000.200.100.5755.000.000.182-0.0700.021
call60.000.000.750.001.2110.000.000.203-0.1490.022
call65.000.000.750.001.5250.000.000.172-0.1690.020
call70.000.000.750.001.7960.000.000.152-0.1850.019
call75.000.004.900.001.4370.000.000.046-0.0610.008
put25.000.000.750.002.4720.000.00-0.024-0.0600.004
put30.000.000.750.001.8980.000.00-0.031-0.0570.005
put35.000.000.200.001.3470.000.00-0.041-0.0500.007
put40.000.000.750.003.2620.000.00-0.242-0.4420.025
put45.000.000.750.652.4282.000.00-0.315-0.3750.028
put50.000.004.901.701.5245.000.00-0.446-0.2470.032
put55.003.507.500.001.3910.000.00-0.887-0.0380.015
put60.007.7012.500.001.8300.000.00-0.923-0.0450.011
put65.0014.1016.500.001.7880.000.00-0.938-0.0500.010
put70.0019.1021.500.002.0780.000.00-0.947-0.0530.008
put75.0022.7027.500.002.7790.000.00-0.953-0.0560.008

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-1013F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-048-KCurrent report2026-11-04SEC
2026-10-268-KCurrent report2026-10-26SEC
2026-10-164Statement of changes in beneficial ownership of securities2026-10-15SEC
2026-10-164Statement of changes in beneficial ownership of securities2026-10-15SEC
2026-10-164Statement of changes in beneficial ownership of securities2026-10-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-16SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-164Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-088-KCurrent report2026-09-08SEC
2026-08-25N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-184Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-0613F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-28SCHEDULE 13G/ASEC
2026-07-278-KCurrent report2026-07-27SEC
2026-07-174Statement of changes in beneficial ownership of securities2026-07-16SEC
2026-07-174Statement of changes in beneficial ownership of securities2026-07-16SEC
2026-07-174Statement of changes in beneficial ownership of securities2026-07-16SEC
2026-07-174Statement of changes in beneficial ownership of securities2026-07-16SEC
2026-07-174Statement of changes in beneficial ownership of securities2026-07-16SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-29SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-29SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-29SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-29SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-29SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-1017.30K300
2026-0933.70K300
2026-0862.50K400
2026-0795.00K500
2026-064.00K400
2026-051.00K100
2026-042.10K200
2026-038.13K500
2026-021,000100
2026-014.00K300
2025-124.10K300
2025-111,000100

Institutional holders

Manager% owned
BlackRock, Inc.7.97%
FRANKLIN RESOURCES INC5.22%
VANGUARD CAPITAL MANAGEMENT LLC4.11%
DIMENSIONAL FUND ADVISORS LP3.44%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC3.38%
STATE STREET CORP2.63%
GEODE CAPITAL MANAGEMENT, LLC2.61%
GERMAN AMERICAN BANCORP, INC.2.50%
VANGUARD PORTFOLIO MANAGEMENT LLC1.41%
Champlain Investment Partners, LLC1.39%

Funds

Fund% owned
Franklin Small Cap Value Fund3.18%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.87%
Schwab U.S. Dividend Equity ETF2.75%
iShares Russell 2000 ETF2.67%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.09%
Royce Small-Cap Total Return Fund1.07%
iShares Russell 2000 Value ETF0.96%
Franklin Small Cap Value VIP Fund0.87%
Opus Small Cap Value ETF0.77%

OakChart. GABC. Cached 15 minutes.