GABC at a glance
GERMAN AMERICAN BANCORP, INC. (GABC, SEC CIK 714395) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 8, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), GERMAN AMERICAN BANCORP, INC. (GABC) reported revenue of $487.4 million (up 37.8% from FY2024) and net income of $112.6 million. Diluted EPS was $3.06.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding GERMAN AMERICAN BANCORP, INC. (GABC) shares worth $604.5 million in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Seger Andrew M on September 15, 2026 of 150 shares at $49.89 per share.
- In the last 90 days, GABC insiders reported 12 open-market purchases ($191K) and 0 open-market sales ($0) on Form 4, a net purchase of $191K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $487.4M
- +37.8% vs prior year
- Insiders · 90 days
- 12 buys · 0 sells
- Net +$191K
- 13F holders
- 31 funds
- $604.5M · −1 vs prior quarter
- Latest 8-K
- Sep 8, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Regional banking services with focus on deposit and loan products
- Anticipated FDIC premium increase when assets exceed $10B in 2027 poses new cost pressure
- Heightened emphasis on cyberattack, fraud, and operational risks reflecting evolving technological threats
- Increased reliance on third-party vendors for IT infrastructure introduces new operational dependencies
- Strategic risk from potential bank acquisitions includes asset quality, integration challenges, and possible dilution
Risk Factors
- Key-person dependency on CDIO appointed January 2026, leads digital strategy and integration with 25+ years banking tech experience
- Cybersecurity incident response overseen by specialized Incident Response Team and Technology Committee with structured disclosure protocols
- Use of external managed security provider for endpoint protection, firewall alerting, and vulnerability detection to mitigate cyber risks
Management Discussion & Analysis
- Revenue and profit data not disclosed in provided MD&A excerpt
- Cash flow, capital allocation, buybacks, dividends, capex details missing
- No management outlook, guidance, or emerging risks mentioned
AI summary of the GABC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- No profitability, margin, segment, cash flow, or capital deployment figures disclosed
- Potential headwinds: interest rates, inflation, credit quality, liquidity, competition, regulation, tariffs, cyber-attacks, and deposit insurance costs
- Outlook subject to economic conditions, regulatory actions, capital availability, and other uncertainties
Risk Factors
- No material changes to 2025 Form 10-K risk factors
- Regulatory risk: Applicable legal requirements could restrict share-repurchase timing
- Market risk: Repurchase decisions depend on stock price and general economic conditions
- Capital-allocation risk: Board-approved plan permits repurchases of up to 1.0 million shares
- Liquidity risk: No shares repurchased during the quarter, preserving available capital under the plan
AI summary of the GABC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Management investor meetings scheduled for September 9, 2026 at Raymond James U.S. Bank Conference
- Exhibit 99.1 contains the materials presented to investors
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results released for quarter ended June 30, 2026
- Unaudited consolidated financial statements and financial data furnished in Exhibit 99.1
Item 8.01: Other Events
- Quarterly cash dividend declared at $0.31 per share
- Payment scheduled for August 20, 2026
Item EX-99.1: Item EX-99.1
- Record Q2 2026 net income $38.2M, or $1.02 per share, up 21% year over year
- Net interest margin expanded to 4.30%, supporting net interest income growth of 11% year over year
Item 7.01: Regulation FD Disclosure
- Management scheduled investor meetings May 7–8, 2026, in Piper Sandler’s non-deal roadshow
- CEO D. Neil Dauby and CFO Bradley M. Rust representing German American Bancorp
AI summaries of GABC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for GABC
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- Fund moves. Which tracked funds opened, added or cut GABC, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Seger Andrew M | Buy | Sep 15, 2026 | 150.321 | $49.89 |
| Bawel Zachary W | Buy | Sep 15, 2026 | 400.853 | $49.89 |
| Ryan Christina M | Buy | Sep 15, 2026 | 124.265 | $49.89 |
| Bawel Zachary W | Buy | Aug 17, 2026 | 391.254 | $51.12 |
| KELLY JASON M | Buy | Aug 17, 2026 | 48.907 | $51.12 |
| Ryan Christina M | Buy | Aug 17, 2026 | 391.254 | $51.12 |
| Seger Andrew M | Buy | Aug 17, 2026 | 391.254 | $51.12 |
| Ryan Christina M | Buy | Jul 16, 2026 | 418.078 | $47.84 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $316.9M | $353.7M | $487.4M |
| Net Income | $85.9M | $83.8M | $112.6M |
| Net Margin | 27.1% | 23.7% | 23.1% |
| Balance Sheet | |||
| Total Assets | $6.2B | $6.3B | $8.4B |
| Equity | $663.6M | $715.1M | $1.2B |
| ROE | 12.9% | 11.7% | 9.7% |
| Per Share | |||
| EPS | - | $2.83 | $3.06 |
| Cash Flow | |||
| Operating CF | $107.2M | $95.8M | $159.3M |
| CapEx | $5.7M | $5.0M | $5.3M |
Source: XBRL data in GERMAN AMERICAN BANCORP, INC. (GABC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate GABC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $604.5M |
| Q1 2026 | 32 | $507.0M |
| Q4 2025 | 29 | $393.4M |
| Q3 2025 | 28 | $439.3M |
| Q2 2025 | 29 | $422.6M |
| Q1 2025 | 27 | $301.3M |
| Q4 2024 | 21 | $267.6M |
| Q3 2024 | 19 | $187.9M |
- BlackRock+288.8K (+11%)
- Two Sigma Investments+86.3K (+42%)
- Franklin Resources+80.0K (+4%)
- State Street Corp+69.3K (+8%)
- Dimensional Fund Advisors+45.2K (+4%)
- Citadel Advisors LLC−64.5K (-76%)
- Morgan Stanley−34.9K (-22%)
- Renaissance Technologies LLC−15.6K (-14%)
- GERMAN AMERICAN BANCORP, INC.−15.5K (-2%)
- Fifth Third Bancorp−2.5K (-16%)
- Millennium Management−43.0K
Source: 13F-HR filings on SEC EDGAR (aggregated from 216 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
GABC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 8-K | Sep 8, 2026 | - | Analysis | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
| 13F-HR | Aug 6, 2026 | Jun 30, 2026 | - | |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 27, 2026 | - | Analysis | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
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GABC SEC filings: frequently asked questions
Are GABC insiders buying or selling?
In the last 90 days, GERMAN AMERICAN BANCORP, INC. (GABC) officers, directors and 10% owners reported 12 open-market purchases worth $191,200 by 5 insiders and no open-market sales on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold GABC stock?
As of June 30, 2026, the largest GERMAN AMERICAN BANCORP, INC. (GABC) holders among the 13F filers tracked by SignalX were BlackRock ($142.2 million), Franklin Resources ($93.0 million), Vanguard Capital Management LLC ($73.3 million), Dimensional Fund Advisors ($60.0 million), State Street Corp ($46.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was GABC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), GERMAN AMERICAN BANCORP, INC. (GABC) reported revenue of $487.4 million (up 37.8% from FY2024) and net income of $112.6 million. Diluted EPS was $3.06. The figures come from the XBRL data in the 10-K.
What are the main risks in GABC's latest 10-K?
In the 10-K filed February 27, 2026, GERMAN AMERICAN BANCORP, INC. (GABC) flagged: Key-person dependency on CDIO appointed January 2026, leads digital strategy and integration with 25+ years banking tech experience. Cybersecurity incident response overseen by specialized Incident Response Team and Technology Committee with structured disclosure protocols. (AI summary of the Risk Factors section.)
What did GABC report in its latest 8-K?
GERMAN AMERICAN BANCORP, INC. (GABC) filed an 8-K on September 8, 2026 reporting Item 7.01 (Regulation FD Disclosure). Management investor meetings scheduled for September 9, 2026 at Raymond James U.S. Bank Conference.
What are the latest GABC SEC filings?
GERMAN AMERICAN BANCORP, INC. (GABC) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 8, 2026 and a Form 4 insider filing on September 16, 2026.
What is GABC's SEC CIK number?
GERMAN AMERICAN BANCORP, INC. (GABC)'s SEC Central Index Key (CIK) is 714395. EDGAR lists every GABC filing under that number.
Ask anything about GABC
The research agent reads GABC's filings, financials, insider trades and 13F holders, then answers with sources.