German American Bancorp reports record Q4 EPS $0.95 ($0.96 adj); increases dividend 7% to $0.31

GERMAN AMERICAN BANCORP, INC.

2025-FY EPS reported $3.06 revenue$487,401,000

Q4 net income $35.7M ($0.95 per share); adj. EPS $0.96; ROAA 1.67% (adj. 1.68%).
Full-year 2025 net income $112.6M ($3.06 per share), up from $83.8M in 2024; adj. net income $129.7M ($3.52 per share).
Net interest margin 4.13%; annualized linked-quarter loan growth 7%; net charge-offs 0.04%.
Board increased quarterly cash dividend 7% to $0.31 per share; payable Feb 20, 2026 to record Feb 10, 2026.
TCE ratio 9.44%; ROATCE 19.49% (adj. 19.6%); 21st consecutive year of double-digit ROE.

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