German Amern Bancorp Inc Financials

GABC

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows German Amern Bancorp Inc (GABC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 77/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

German Amern Bancorp Inc's revenue grew 11.6% year-over-year to $353.7M, a solid pace of expansion. This earns a growth score of 62/100.

Leverage

100

German Amern Bancorp Inc carries a low D/E ratio of 0.16, meaning only $0.16 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

German Amern Bancorp Inc converts 25.7% of revenue into free cash flow ($90.7M). This strong cash generation earns a score of 100/100.

Returns

German Amern Bancorp Inc's ROE of 11.7% shows moderate profitability relative to equity, earning a score of 47/100. This is down from 12.9% the prior year.

Piotroski F-Score Neutral

4/9

German Amern Bancorp Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.14x

For every $1 of reported earnings, German Amern Bancorp Inc generates $1.14 in operating cash flow ($95.8M OCF vs $83.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$353.7M

YoY+11.6%

5Y CAGR+14.9%

10Y CAGR+16.0%

German Amern Bancorp Inc generated $353.7M in revenue in fiscal year 2024. This represents an increase of 11.6% from the prior year.

EBITDA

N/A

Free Cash Flow

$90.7M

YoY-10.6%

5Y CAGR+10.2%

10Y CAGR+10.5%

German Amern Bancorp Inc generated $90.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 10.6% from the prior year.

Net Income

$83.8M

YoY-2.4%

5Y CAGR+7.2%

10Y CAGR+11.5%

German Amern Bancorp Inc reported $83.8M in net income in fiscal year 2024. This represents a decrease of 2.4% from the prior year.

EPS (Diluted)

$2.83

YoY-2.7%

5Y CAGR+4.3%

10Y CAGR+2.8%

German Amern Bancorp Inc earned $2.83 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 2.7% from the prior year.

Cash & Debt

$188.8M

YoY+63.7%

5Y CAGR+12.7%

German Amern Bancorp Inc held $188.8M in cash against $114.6M in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.08

YoY+8.0%

5Y CAGR+9.7%

10Y CAGR+5.4%

German Amern Bancorp Inc paid $1.08 per share in dividends in fiscal year 2024. This represents an increase of 8.0% from the prior year.

Shares Outstanding

30M

YoY+0.3%

5Y CAGR+2.2%

10Y CAGR+8.4%

German Amern Bancorp Inc had 30M shares outstanding in fiscal year 2024. This represents an increase of 0.3% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

23.7%

YoY-3.4pp

5Y CAGR-9.9pp

10Y CAGR-11.6pp

German Amern Bancorp Inc's net profit margin was 23.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 3.4 percentage points from the prior year.

Return on Equity

11.7%

YoY-1.2pp

5Y CAGR+1.4pp

10Y CAGR-0.7pp

German Amern Bancorp Inc's ROE was 11.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 1.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$5.0M

YoY-12.1%

5Y CAGR-11.6%

10Y CAGR+5.2%

German Amern Bancorp Inc invested $5.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 12.1% from the prior year.

GABC Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$353.7M+11.6%	$316.9M+14.0%	$278.1M+63.2%	$170.4M-2.3%	$174.4M-1.2%	$176.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$100.5M+51.7%	$66.2M+261.0%	$18.3M+92.1%	$9.5M-50.1%	$19.1M-38.8%	$31.2M
Income Tax	$20.3M+14.2%	$17.8M+2.4%	$17.4M-7.0%	$18.6M+45.3%	$12.8M+6.8%	$12.0M
Net Income	$83.8M-2.4%	$85.9M+5.0%	$81.8M-2.7%	$84.1M+35.2%	$62.2M+5.0%	$59.2M
EPS (Diluted)	$2.83-2.7%	$2.91+4.7%	$2.78-12.3%	$3.17+35.5%	$2.34+2.2%	$2.29

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$126.5M+2.7%	$123.2M+10.9%	$111.1M+22.5%	$90.7M+0.2%	$90.5M+7.6%	$84.1M-33.9%	$127.3M+93.9%	$65.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$32.4M-2.7%	$33.3M+12.3%	$29.6M+16.1%	$25.5M-0.3%	$25.6M+10.1%	$23.3M+8.7%	$21.4M+18.4%	$18.1M
Income Tax	$8.7M+11.1%	$7.8M+177.6%	$2.8M-48.6%	$5.5M-9.8%	$6.1M+45.9%	$4.2M+4.9%	$4.0M-13.7%	$4.6M
Net Income	$35.1M+11.8%	$31.4M+198.2%	$10.5M-54.7%	$23.2M+13.1%	$20.5M+7.9%	$19.0M-11.6%	$21.5M+0.3%	$21.5M
EPS (Diluted)	$0.94+11.9%	$0.84+180.0%	$0.30-62.0%	$0.79+14.5%	$0.69+7.8%	$0.64-11.1%	$0.72-1.4%	$0.73

GABC Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$6.3B+2.3%	$6.2B-0.1%	$6.2B+9.8%	$5.6B+12.7%	$5.0B+13.2%	$4.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$188.8M+63.7%	$115.3M-1.7%	$117.4M-70.3%	$395.2M+14.9%	$344.1M+231.2%	$103.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$179.0M-0.7%	$180.4M0.0%	$180.4M+48.1%	$121.8M-0.2%	$122.0M+0.5%	$121.3M
Total Liabilities	$5.6B+1.7%	$5.5B-1.9%	$5.6B+13.3%	$4.9B+13.5%	$4.4B+13.8%	$3.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$114.6M+28.0%	$89.5M+38.9%	$64.5M-23.1%	$83.9M-40.8%	$141.6M-22.2%	$181.9M
Total Equity	$715.1M+7.8%	$663.6M+18.8%	$558.4M-16.5%	$668.5M+7.0%	$624.7M+8.9%	$573.8M
Retained Earnings	$513.6M+11.3%	$461.6M+13.9%	$405.2M+15.6%	$350.4M+21.5%	$288.4M+14.0%	$253.1M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$8.4B+1.5%	$8.3B-1.7%	$8.4B+33.7%	$6.3B+1.3%	$6.2B+1.7%	$6.1B-0.7%	$6.2B+2.4%	$6.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$255.6M+27.7%	$200.1M-54.7%	$442.3M+134.3%	$188.8M-42.7%	$329.3M+166.7%	$123.5M+7.1%	$115.3M-12.9%	$132.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$375.2M-0.7%	$378.0M+0.4%	$376.5M+110.3%	$179.0M0.0%	$179.0M-0.7%	$180.4M0.0%	$180.4M0.0%	$180.4M
Total Liabilities	$7.3B+1.0%	$7.2B-2.2%	$7.4B+32.1%	$5.6B+0.9%	$5.5B+1.3%	$5.5B-0.6%	$5.5B+0.4%	$5.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$114.6M	N/A	N/A	$89.5M	N/A
Total Equity	$1.1B+4.7%	$1.1B+2.2%	$1.0B+46.3%	$715.1M+4.0%	$687.8M+5.0%	$655.3M-1.3%	$663.6M+23.2%	$538.4M
Retained Earnings	$558.1M+4.5%	$533.8M+4.0%	$513.3M-0.1%	$513.6M+5.8%	$485.3M+2.7%	$472.7M+2.4%	$461.6M+3.2%	$447.5M

GABC Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$95.8M-10.7%	$107.2M-2.5%	$110.0M+9.1%	$100.8M+9.1%	$92.4M+41.7%	$65.2M
Capital Expenditures	$5.0M-12.1%	$5.7M-26.8%	$7.9M+67.6%	$4.7M-33.7%	$7.1M-24.6%	$9.4M
Free Cash Flow	$90.7M-10.6%	$101.5M-0.7%	$102.2M+6.3%	$96.2M+12.7%	$85.3M+52.8%	$55.9M
Investing Cash Flow	-$82.4M-402.3%	$27.3M+212.7%	-$24.2M+96.2%	-$640.3M-85.0%	-$346.1M-1228.7%	$30.7M
Financing Cash Flow	$60.1M+144.0%	-$136.5M+62.5%	-$363.7M-161.6%	$590.6M+19.2%	$495.5M+659.6%	-$88.6M
Dividends Paid	$31.8M+8.2%	$29.4M+8.9%	$27.0M+21.6%	$22.2M+10.3%	$20.1M+14.7%	$17.6M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$51.8M+92.5%	$26.9M-29.0%	$37.9M+32.2%	$28.7M+53.4%	$18.7M-21.6%	$23.9M-19.4%	$29.6M+21.1%	$24.4M
Capital Expenditures	$1.7M+120.8%	$751K-40.1%	$1.3M+91.0%	$656K-60.7%	$1.7M+35.0%	$1.2M+399.2%	$248K-76.0%	$1.0M
Free Cash Flow	$50.1M+91.6%	$26.2M-28.7%	$36.7M+30.8%	$28.0M+64.6%	$17.0M-24.7%	$22.6M-22.9%	$29.3M+25.4%	$23.4M
Investing Cash Flow	-$55.2M+44.9%	-$100.3M-147.6%	$210.8M+331.3%	-$91.2M-172.3%	$126.1M+349.5%	$28.1M+145.0%	-$62.4M-55.4%	-$40.1M
Financing Cash Flow	$58.9M+134.9%	-$168.8M-3656.9%	$4.7M-91.5%	$55.7M-8.7%	$61.0M+239.3%	-$43.8M-351.4%	$17.4M+133.1%	$7.5M
Dividends Paid	$10.8M0.0%	$10.8M+0.1%	$10.8M+35.8%	$8.0M0.0%	$8.0M+0.1%	$8.0M+8.1%	$7.4M0.0%	$7.4M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

GABC Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.7%-3.4pp	27.1%-2.3pp	29.4%-20.0pp	49.4%+13.7pp	35.7%+2.1pp	33.6%
Return on Equity	11.7%-1.2pp	12.9%-1.7pp	14.6%+2.1pp	12.6%+2.6pp	10.0%-0.4pp	10.3%
Return on Assets	1.3%-0.1pp	1.4%+0.1pp	1.3%-0.2pp	1.5%+0.2pp	1.3%-0.1pp	1.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.16+0.0	0.13+0.0	0.12-0.0	0.13-0.1	0.23-0.1	0.32
FCF Margin	25.7%-6.4pp	32.0%-4.7pp	36.8%-19.7pp	56.4%+7.5pp	48.9%+17.3pp	31.6%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	27.7%+2.3pp	25.5%+16.0pp	9.5%-16.1pp	25.6%+2.9pp	22.7%+0.1pp	22.6%+5.7pp	16.9%-15.8pp	32.7%
Return on Equity	3.1%+0.2pp	2.9%+1.9pp	1.0%-2.2pp	3.3%+0.3pp	3.0%+0.1pp	2.9%-0.3pp	3.2%-0.7pp	4.0%
Return on Assets	0.4%+0.0pp	0.4%+0.3pp	0.1%-0.3pp	0.4%+0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.4%0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.50-0.2	6.74-0.3	7.05+6.9	0.16-7.9	8.04-0.3	8.33+8.2	0.13-10.0	10.15
FCF Margin	39.6%+18.4pp	21.2%-11.8pp	33.0%+2.1pp	30.9%+12.1pp	18.8%-8.1pp	26.9%+3.9pp	23.0%-12.6pp	35.6%

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Frequently Asked Questions

What is German Amern Bancorp Inc's annual revenue?

German Amern Bancorp Inc (GABC) reported $353.7M in total revenue for fiscal year 2024. This represents a 11.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is German Amern Bancorp Inc's revenue growing?

German Amern Bancorp Inc (GABC) revenue grew by 11.6% year-over-year, from $316.9M to $353.7M in fiscal year 2024.

Is German Amern Bancorp Inc profitable?

Yes, German Amern Bancorp Inc (GABC) reported a net income of $83.8M in fiscal year 2024, with a net profit margin of 23.7%.

What is German Amern Bancorp Inc's earnings per share (EPS)?

German Amern Bancorp Inc (GABC) reported diluted earnings per share of $2.83 for fiscal year 2024. This represents a -2.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

How much debt does German Amern Bancorp Inc have?

As of fiscal year 2024, German Amern Bancorp Inc (GABC) had $188.8M in cash and equivalents against $114.6M in long-term debt.

What is German Amern Bancorp Inc's net profit margin?

German Amern Bancorp Inc (GABC) had a net profit margin of 23.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does German Amern Bancorp Inc pay dividends?

Yes, German Amern Bancorp Inc (GABC) paid $1.08 per share in dividends during fiscal year 2024.

What is German Amern Bancorp Inc's return on equity (ROE)?

German Amern Bancorp Inc (GABC) has a return on equity of 11.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is German Amern Bancorp Inc's free cash flow?

German Amern Bancorp Inc (GABC) generated $90.7M in free cash flow during fiscal year 2024. This represents a -10.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is German Amern Bancorp Inc's operating cash flow?

German Amern Bancorp Inc (GABC) generated $95.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are German Amern Bancorp Inc's total assets?

German Amern Bancorp Inc (GABC) had $6.3B in total assets as of fiscal year 2024, including both current and long-term assets.

What are German Amern Bancorp Inc's capital expenditures?

German Amern Bancorp Inc (GABC) invested $5.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does German Amern Bancorp Inc have outstanding?

German Amern Bancorp Inc (GABC) had 30M shares outstanding as of fiscal year 2024.

What is German Amern Bancorp Inc's debt-to-equity ratio?

German Amern Bancorp Inc (GABC) had a debt-to-equity ratio of 0.16 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is German Amern Bancorp Inc's return on assets (ROA)?

German Amern Bancorp Inc (GABC) had a return on assets of 1.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is German Amern Bancorp Inc's Piotroski F-Score?

German Amern Bancorp Inc (GABC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are German Amern Bancorp Inc's earnings high quality?

German Amern Bancorp Inc (GABC) has an earnings quality ratio of 1.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is German Amern Bancorp Inc?

German Amern Bancorp Inc (GABC) scores 77 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.