NASDAQ$GABC
German American Bancorp Inc · Q3 2021 earnings
Q3 2021 earnings · · Investor relations
Briefing
Reported continued strong operating performance with increased earnings.
German American Bancorp reported strong Q3 2021 earnings of $21.5 million, or $0.81 per share, a 47% increase on a per share basis from Q3 2020. The growth was driven by strong balance sheet growth, improved net interest income, reduced provision for credit losses, solid non-interest income, and controlled non-interest expenses. Total assets reached $5.476 billion, a 13% increase compared to September 30, 2020.
- Earnings per share increased by approximately 47% compared to the third quarter of 2020.
- Total assets increased by 13% compared to September 30, 2020.
- Net interest income increased by 8% from the third quarter of 2020.
- Non-interest income improved by 17% on a quarterly basis compared to the same quarter last year.
Headline financials
Revenue & EPS history
German American · Revenue · Quarterly
$56.8M
Revenue by segment
German American · $11.8M total across 5 segments · Q2 2022
- Interchange Fees$4.17M—35.3%
- Deposit Service Charges$2.87M—24.3%
- Wealth Mgmt Fees$2.64M—22.4%
- Other Op Income$1.23M—10.4%
- COLI Income$894K—7.6%
Forward guidance
Company did not provide forward guidance.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2021
+0.2%
Avg return
Earnings day
+0.2%
Avg return
5 days after
+1.8%
Avg return
30 days after
55%
36 / 66 earnings
Positive
+7.3%
Q2 2012
Best reaction
-8.1%
Q1 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.4% | -1.2% | -1.2% | |
| Q4 2025 | +3.6% | +3.7% | +5.0% | |
| Q3 2025 | +1.9% | +1.1% | +1.4% | |
| Q2 2025 | -1.7% | +0.2% | +2.2% | |
| Q1 2025 | +2.1% | +2.8% | -1.1% | |
| Q4 2024 | +4.4% | +3.5% | -0.9% | |
| Q3 2024 | +2.8% | +3.1% | +15.4% | |
| Q2 2024 | -2.4% | -10.1% | -4.4% | |
| Q1 2024 | -1.6% | -0.3% | -2.9% | |
| Q4 2023 | +3.9% | -1.7% | -4.8% | |
| Q3 2023 | +0.9% | +5.5% | +7.9% | |
| Q2 2023 | +1.9% | +7.0% | -2.4% | |
| Q1 2023 | -8.1% | -8.0% | -10.4% | |
| Q4 2022 | +3.7% | +9.5% | +5.0% | |
| Q3 2022 | +0.8% | +2.1% | +1.9% | |
| Q2 2022 | +7.0% | +7.3% | +6.7% | |
| Q1 2022 | -3.6% | -5.2% | -0.1% | |
| Q4 2021 | +1.8% | +1.6% | +1.1% | |
| Q3 2021 | +0.5% | -1.1% | +8.1% | |
| Q2 2021 | +4.0% | +5.1% | +4.4% | |
| Q1 2021 | -1.2% | -2.0% | -8.1% | |
| Q4 2020 | -0.8% | -1.7% | +16.3% | |
| Q3 2020 | -4.7% | -4.5% | +7.5% | |
| Q2 2020 | -1.7% | -4.0% | -2.8% | |
| Q1 2020 | -2.3% | -2.0% | +16.9% | |
| Q4 2019 | +0.8% | -2.5% | -7.6% | |
| Q3 2019 | +0.5% | +1.9% | +3.0% | |
| Q2 2019 | +2.3% | +0.7% | -1.2% | |
| Q1 2019 | +1.2% | +2.3% | -2.9% | |
| Q4 2018 | -3.7% | -0.8% | +2.4% | |
| Q3 2018 | +3.7% | +1.7% | +2.7% | |
| Q2 2018 | -1.2% | -1.6% | +1.4% | |
| Q1 2018 | +0.5% | +3.9% | +5.9% | |
| Q4 2017 | -1.4% | +0.2% | -5.1% | |
| Q3 2017 | -7.1% | -7.0% | -1.1% | |
| Q2 2017 | -1.2% | -6.5% | -8.8% | |
| Q1 2017 | +6.3% | +0.3% | -5.5% | |
| Q4 2016 | -1.2% | +0.1% | +0.5% | |
| Q3 2016 | +1.7% | +3.2% | +22.3% | |
| Q2 2016 | +1.3% | +1.0% | +5.4% | |
| Q1 2016 | -5.5% | — | — | |
| Q4 2015 | -1.8% | — | — | |
| Q3 2015 | -3.5% | — | — | |
| Q2 2015 | -2.1% | — | — | |
| Q1 2015 | +2.9% | — | — | |
| Q4 2014 | -0.2% | — | — | |
| Q3 2014 | +5.5% | — | — | |
| Q2 2014 | +0.1% | — | — | |
| Q4 2013 | +6.5% | — | — | |
| Q1 2014 | -1.0% | — | — | |
| Q3 2013 | -0.3% | — | — | |
| Q2 2013 | +1.3% | — | — | |
| Q4 2012 | +1.3% | — | — | |
| Q1 2013 | -3.5% | — | — | |
| Q4 2010 | -3.6% | — | — | |
| Q4 2011 | -3.6% | — | — | |
| Q3 2012 | +2.9% | — | — | |
| Q2 2012 | +7.3% | — | — | |
| Q1 2011 | +0.1% | — | — | |
| Q1 2012 | +2.9% | — | — | |
| Q4 2009 | +6.2% | — | — | |
| Q3 2011 | -4.2% | — | — | |
| Q2 2011 | -6.8% | — | — | |
| Q3 2010 | -3.4% | — | — | |
| Q2 2010 | +0.5% | — | — | |
| Q1 2010 | -0.2% | — | — |
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