Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. German American Bancorp's Total Liabilities for the quarter that ended in Jun. 2026 was $7,228.4 Mil. German American Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $8,440.0 Mil.
Therefore, German American Bancorp's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.86.
German American Bancorp (NAS:GABC) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
German American Bancorp Liabilities-to-Assets Related Terms
German American Bancorp Liabilities-to-Assets Historical Data
* Premium members only.
The historical data trend for German American Bancorp's Liabilities-to-Assets can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
German American Bancorp Liabilities-to-Assets Chart
GABC vs CASH, RBCAA, TFIN: Liabilities-to-Assets Comparison
For the Banks - Regional subindustry, German American Bancorp's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
German American Bancorp Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, German American Bancorp's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where German American Bancorp's Liabilities-to-Assets falls into.
German American Bancorp Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
German American Bancorp's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
German American Bancorp (GABC) has a Liabilities-to-Assets of 0.86 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on German American Bancorp and its competitors.
Is German American Bancorp's Liabilities-to-Assets too high?
German American Bancorp's current Liabilities-to-Assets is 0.86. Overall, German American Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's Liabilities-to-Assets compare to CASH and RBCAA?
German American Bancorp's Liabilities-to-Assets of 0.86 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on German American Bancorp and its competitors. German American Bancorp's current Liabilities-to-Assets is 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is German American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, German American Bancorp (GABC) is currently considered Fairly Valued. The stock's GF Value™ is $45.76, compared to a current price of $50.37 — trading 10.1% above its estimated fair value. The current Liabilities-to-Assets is 0.86. German American Bancorp's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For German American Bancorp (GABC), the current Liabilities-to-Assets is 0.86 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is German American Bancorp (GABC) Overvalued in 2026?
Based on GuruFocus' analysis, German American Bancorp stock appears to be overvalued.
The current stock price of $50.37 is trading 10.1% above its estimated GF Value™ of $45.76.
GuruFocus considers German American Bancorp to be Fairly Valued.
Key valuation signals for GABC:
Liabilities-to-Assets: 0.86
GF Value™: $45.76 vs. price of $50.37 (10.1% above fair value)
No single metric tells the full story. See the GABC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
German American Bancorp Inc is a bank holding company. The lines of business include the core banking segment and the wealth management segment. The core banking segment involves attracting deposits from the general public and using those funds to originate consumer, commercial, and agricultural real estate, and residential mortgage loans. These core banking activities also include the sale of residential mortgage loans in the secondary market. Wealth management services, which involve providing trust, investment advisory, brokerage, and retirement planning services to customers. The company generates the majority of its revenue from the core banking segment.
62GF Score
Get the complete analysis for GABC
Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GABC has been successfully added to your 
