German American Bancorp (FRA:GAB) Long-Term Debt: €120.1 Mil (As of Mar. 2026)

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FRA:GAB German American Bancorp Inc FRA:GAB
65 GF Score
Price €39.80
GF Value €37.01
Valuation Fairly Valued
! 3 Warning Signs
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What is German American Bancorp Long-Term Debt?

German American Bancorp FRA:GAB +1.02% 65 Long-Term Debt is €120.1 Mil as of Mar. 2026. GuruFocus rates FRA:GAB with a GF Score™ of 65/100 and a GF Value™ of €37.01 (Fairly Valued). The stock has 3 warning signs investors should review.

German American Bancorp's Long-Term Debt for the quarter that ended in Mar. 2026 was €120.1 Mil.

German American Bancorp's quarterly Long-Term Debt declined from Sep. 2025 (€152.1 Mil) to Dec. 2025 (€116.7 Mil) but then increased from Dec. 2025 (€116.7 Mil) to Mar. 2026 (€120.1 Mil).

German American Bancorp's annual Long-Term Debt increased from Dec. 2023 (€114.9 Mil) to Dec. 2024 (€144.1 Mil) but then declined from Dec. 2024 (€144.1 Mil) to Dec. 2025 (€116.7 Mil).

German American Bancorp  (FRA:GAB) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

German American Bancorp Long-Term Debt Related Terms

German American Bancorp Long-Term Debt Historical Data

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The historical data trend for German American Bancorp's Long-Term Debt 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 Long-Term Debt Chart

German American Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 71.51 94.20 114.93 144.08 116.74

German American Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 164.91 154.97 152.07 116.74 120.13
FRA:GAB
65GF Score
German American Bancorp Inc FRA:GAB
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €120.1 Mil mean?
German American Bancorp (FRA:GAB) has a Long-Term Debt of €120.1 Mil as of Mar. 2026.
Is German American Bancorp's Long-Term Debt too high?
German American Bancorp's current Long-Term Debt is €120.1 Mil. Overall, German American Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does German American Bancorp's Long-Term Debt compare to FSUN and DCOM?
German American Bancorp's Long-Term Debt of €120.1 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. German American Bancorp's current Long-Term Debt is €120.1 Mil. 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 (FRA:GAB) is currently considered Fairly Valued. The stock's GF Value™ is €37.01, compared to a current price of €39.80 — trading 7.5% above its estimated fair value. The current Long-Term Debt is €120.1 Mil. German American Bancorp's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For German American Bancorp (FRA:GAB), the current Long-Term Debt is €120.1 Mil as of Mar. 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 (FRA:GAB) Overvalued in 2026?

Based on GuruFocus' analysis, German American Bancorp stock appears to be overvalued. The current stock price of €39.80 is trading 7.5% above its estimated GF Value™ of €37.01. GuruFocus considers German American Bancorp to be Fairly Valued.

Key valuation signals for FRA:GAB:

  • Long-Term Debt: €120.1 Mil
  • GF Value™: €37.01 vs. price of €39.80 (7.5% above fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the FRA:GAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

German American Bancorp Business Description

Other Exchanges GABC:USA
Address 711 Main Street, P.O. Box 810, Jasper, IN, USA, 47546
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.
65GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€39.80
Price
€37.01
GF Value