Is GERMAN AMERICAN BANCORP, INC. (GABC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 47.4% | |
| Net Margin | 32.9% | |
| Return on Equity (ROE) | 12.0% | |
| Return on Assets (ROA) | 1.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $159M |
| Free Cash Flow | $154M |
| Total Debt | $139M |
| Total Assets | $8.4B |
Price & Trading
| Last Close | $41.54 |
| 50-Day MA | $41.68 |
| 200-Day MA | $40.18 |
| Avg Volume | 153K |
| Beta | 0.6 |
|
52-Week Range
$32.75
| |
About GERMAN AMERICAN BANCORP, INC. (GABC)
German American Bancorp, Inc. operates as a financial holding company for German American Bank that provides retail and commercial banking, and wealth management services. The company operates through Core Banking, and Wealth Management segments. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. It also offers demand deposits, savings, interest-bearing checking, money market accounts, and certificates of deposit; home equity and credit card loans; and wealth advisory and trust services. The company was founded in 1910 and is based in Jasper, Indiana.
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Frequently Asked Questions
Is GERMAN AMERICAN BANCORP, INC. (GABC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), GERMAN AMERICAN BANCORP, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is GERMAN AMERICAN BANCORP, INC.'s debt ratio?
GERMAN AMERICAN BANCORP, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are GERMAN AMERICAN BANCORP, INC.'s key financial metrics?
GERMAN AMERICAN BANCORP, INC. has a market capitalization of $1.5B, trailing P/E ratio of 13.5, and revenue of $361M. Return on equity stands at 12.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.