---
schema_version: "secwatch.filing_event.v1"
accession: "0000714395-26-000003"
form_type: "8-K"
ticker: "GABC"
cik: "0000714395"
company_name: "GERMAN AMERICAN BANCORP, INC."
filed_at: "2026-01-26T23:59:59+00:00"
generated_at: "2026-05-16T08:12:01.170563+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000714395-26-000003
- form_type: 8-K
- ticker: GABC
- cik: 0000714395
- company_name: GERMAN AMERICAN BANCORP, INC.
- filed_at: 2026-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/714395/000071439526000003/0000714395-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/714395/000071439526000003/gabc-20260126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000714395-26-000003
- JSON: https://secwatch.observer/filing/0000714395-26-000003.json
- Plain text: https://secwatch.observer/filing/0000714395-26-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.