German Amern Bancorp Inc Financials
German Amern Bancorp Inc (GABC) reported $487.4M in revenue for fiscal year 2025, up 37.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
German American’s earnings engine is balance-sheet expansion: more assets lifted profit faster than shareholder returns.
For several years, return on assets stayed near1.3% while return on equity fell to9.7% , so the business kept earning about the same on assets but less on each shareholder dollar. Net income still reached$112.6M because the balance sheet and equity base expanded to$1.16B , making FY2025’s improvement more about scale than richer unit economics.
Cash conversion is unusually clean: operating cash flow was
The balance sheet became more heavily capitalized but more diluted in FY2025: equity climbed to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of German Amern Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for German Amern Bancorp Inc, and counted as zero in the overall score.
German Amern Bancorp Inc passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, German Amern Bancorp Inc generates $1.41 in operating cash flow ($159.3M OCF vs $112.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
German Amern Bancorp Inc generated $487.4M in revenue in fiscal year 2025. This represents an increase of 37.8% from the prior year.
German Amern Bancorp Inc reported $112.6M in net income in fiscal year 2025. This represents an increase of 34.4% from the prior year.
German Amern Bancorp Inc earned $3.06 per diluted share (EPS) in fiscal year 2025. This represents an increase of 8.1% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
German Amern Bancorp Inc generated $154.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 69.8% from the prior year.
German Amern Bancorp Inc held $118.4M in cash against $100.0M in long-term debt as of fiscal year 2025.
German Amern Bancorp Inc paid $1.16 per share in dividends in fiscal year 2025. This represents an increase of 7.4% from the prior year.
Margins & Returns
German Amern Bancorp Inc's net profit margin was 23.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.6 percentage points from the prior year.
German Amern Bancorp Inc's ROE was 9.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.0 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
German Amern Bancorp Inc invested $5.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 5.3% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
GABC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $503.0M | $487.4M+37.8% | $353.7M+11.6% | $316.9M+14.0% | $278.1M+63.2% | $170.4M-2.3% | $174.4M-1.2% | $176.5M+31.9% | $133.7M+20.5% | $111.0M+7.4% | $103.4M+26.6% | $81.6M+1.5% | $80.4M+6.2% | $75.7M-1.9% | $77.2M-3.7% | $80.2M |
| SG&A Expenses | $108.5M | $107.7M+31.0% | $82.3M-1.2% | $83.2M-1.1% | $84.1M+22.7% | $68.6M+0.7% | $68.1M+6.6% | $63.9M+24.5% | $51.3M+10.0% | $46.6M+6.1% | $44.0M+25.5% | $35.0M+7.1% | $32.7M+3.9% | $31.5M+8.2% | $29.1M+3.9% | $28.0M |
| Interest Expense | $116.9M | $126.0M+25.4% | $100.5M+51.7% | $66.2M+261.0% | $18.3M+92.1% | $9.5M-50.1% | $19.1M-38.8% | $31.2M+63.3% | $19.1M+72.1% | $11.1M+31.4% | $8.5M+39.4% | $6.1M+0.3% | $6.0M-15.5% | $7.2M-34.4% | $10.9M-32.6% | $16.2M |
| Income Tax | $35.3M | $27.4M+35.2% | $20.3M+14.2% | $17.8M+2.4% | $17.4M-7.0% | $18.6M+45.3% | $12.8M+6.8% | $12.0M+26.1% | $9.5M-17.4% | $11.5M-17.3% | $13.9M+20.2% | $11.6M-3.8% | $12.1M+5.3% | $11.5M+7.5% | $10.7M+38.1% | $7.7M |
| Net Income | $142.1M | $112.6M+34.4% | $83.8M-2.4% | $85.9M+5.0% | $81.8M-2.7% | $84.1M+35.2% | $62.2M+5.0% | $59.2M+27.3% | $46.5M+14.4% | $40.7M+15.6% | $35.2M+17.0% | $30.1M+6.1% | $28.3M+11.5% | $25.4M+5.6% | $24.1M+18.8% | $20.2M |
| EPS (Diluted) | — | $3.06+8.1% | $2.83-2.7% | $2.91+4.7% | $2.78-12.3% | $3.17+35.5% | $2.34+2.2% | $2.29+15.1% | $1.99+12.4% | $1.77+12.7% | $1.57+4.0% | $1.51 | $2.14+8.1% | $1.98+4.2% | $1.90+18.0% | $1.61 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
GABC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.4B+33.2% | $6.3B+2.3% | $6.2B-0.1% | $6.2B+9.8% | $5.6B+12.7% | $5.0B+13.2% | $4.4B+11.9% | $3.9B+25.0% | $3.1B+6.4% | $3.0B+24.5% | $2.4B+6.1% | $2.2B+3.4% | $2.2B+7.9% | $2.0B+7.1% | $1.9B |
| Cash & Equivalents | $118.4M-37.3% | $188.8M+63.7% | $115.3M-1.7% | $117.4M-70.3% | $395.2M+14.9% | $344.1M+231.2% | $103.9M+7.6% | $96.5M+37.2% | $70.4M | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $375.5M+109.7% | $179.0M-0.7% | $180.4M0.0% | $180.4M+48.1% | $121.8M-0.2% | $122.0M+0.5% | $121.3M+17.0% | $103.7M+91.8% | $54.1M0.0% | $54.1M+163.2% | $20.5M0.0% | $20.5M0.0% | $20.5M+8.9% | $18.9M0.0% | $18.9M |
| Total Liabilities | $7.2B+29.5% | $5.6B+1.7% | $5.5B-1.9% | $5.6B+13.3% | $4.9B+13.5% | $4.4B+13.8% | $3.8B+10.2% | $3.5B+24.8% | $2.8B+5.9% | $2.6B+23.8% | $2.1B+5.6% | $2.0B+2.3% | $2.0B+7.8% | $1.8B+6.7% | $1.7B |
| Long-Term Debt | $100.0M-12.8% | $114.6M+28.0% | $89.5M+38.9% | $64.5M-23.1% | $83.9M-40.8% | $141.6M-22.2% | $181.9M+43.7% | $126.6M-10.6% | $141.7M+17.5% | $120.6M+26.1% | $95.6M+48.0% | $64.6M-26.0% | $87.2M-2.5% | $89.5M-1.7% | $91.0M |
| Total Equity | $1.2B+62.5% | $715.1M+7.8% | $663.6M+18.8% | $558.4M-16.5% | $668.5M+7.0% | $624.7M+8.9% | $573.8M+25.1% | $458.6M+25.8% | $364.6M+10.4% | $330.3M+30.9% | $252.3M+10.3% | $228.8M+14.4% | $200.1M+8.1% | $185.0M+10.4% | $167.6M |
| Retained Earnings | $582.9M+13.5% | $513.6M+11.3% | $461.6M+13.9% | $405.2M+15.6% | $350.4M+21.5% | $288.4M+14.0% | $253.1M+19.7% | $211.4M+18.1% | $179.0M+19.6% | $149.7M+19.6% | $125.1M+20.2% | $104.1M+23.6% | $84.2M+26.7% | $66.4M+34.4% | $49.4M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
GABC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $189.6M | $159.3M+66.4% | $95.8M-10.7% | $107.2M-2.5% | $110.0M+9.1% | $100.8M+9.1% | $92.4M+41.7% | $65.2M+4.6% | $62.3M+13.6% | $54.9M+30.9% | $41.9M+34.0% | $31.3M-14.3% | $36.5M-12.5% | $41.7M-0.8% | $42.0M+57.8% | $26.6M |
| Capital Expenditures | $7.2M | $5.3M+5.3% | $5.0M-12.1% | $5.7M-26.8% | $7.9M+67.6% | $4.7M-33.7% | $7.1M-24.6% | $9.4M-38.3% | $15.2M+35.8% | $11.2M+113.7% | $5.2M+224.3% | $1.6M-47.1% | $3.1M-16.6% | $3.7M+1.2% | $3.6M-8.8% | $4.0M |
| Free Cash Flow | $182.4M | $154.0M+69.8% | $90.7M-10.6% | $101.5M-0.7% | $102.2M+6.3% | $96.2M+12.7% | $85.3M+52.8% | $55.9M+18.5% | $47.1M+7.9% | $43.7M+19.1% | $36.7M+23.7% | $29.7M-11.3% | $33.4M-12.1% | $38.0M-1.0% | $38.4M+69.4% | $22.7M |
| Investing Cash Flow | -$259.1M | -$60.3M+26.9% | -$82.4M-402.3% | $27.3M+212.7% | -$24.2M+96.2% | -$640.3M-85.0% | -$346.1M-1228.7% | $30.7M+179.0% | -$38.8M+79.5% | -$189.3M | N/A | N/A | N/A | N/A | -$161.7M-54.0% | -$104.9M |
| Financing Cash Flow | -$36.5M | -$169.5M-382.0% | $60.1M+144.0% | -$136.5M+62.5% | -$363.7M-161.6% | $590.6M+19.2% | $495.5M+659.6% | -$88.6M-3431.7% | $2.7M-98.1% | $139.9M | N/A | N/A | N/A | N/A | $107.7M-10.4% | $120.2M |
| Dividends Paid | $44.8M | $43.3M+35.9% | $31.8M+8.2% | $29.4M+8.9% | $27.0M+21.6% | $22.2M+10.3% | $20.1M+14.7% | $17.6M+24.7% | $14.1M+18.8% | $11.8M+11.4% | $10.6M+18.0% | $9.0M+6.6% | $8.4M+10.2% | $7.7M+8.5% | $7.1M+0.3% | $7.0M |
Not reported in any period shown, so not listed: Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
GABC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 23.1%-0.6pp | 23.7%-3.4pp | 27.1%-2.3pp | 29.4%-20.0pp | 49.4%+13.7pp | 35.7%+2.1pp | 33.6%-1.2pp | 34.8%-1.9pp | 36.6%+2.6pp | 34.0%-2.8pp | 36.8%+1.6pp | 35.3%+1.7pp | 33.6%+2.4pp | 31.2%+5.9pp | 25.3% |
| Return on Equity | 9.7%-2.0pp | 11.7%-1.2pp | 12.9%-1.7pp | 14.6%+2.1pp | 12.6%+2.6pp | 10.0%-0.4pp | 10.3%+0.2pp | 10.1%-1.0pp | 11.2%+0.5pp | 10.7%-1.3pp | 11.9%-0.5pp | 12.4%-0.3pp | 12.7%-0.3pp | 13.0%+0.9pp | 12.1% |
| Return on Assets | 1.3%0.0pp | 1.3%-0.1pp | 1.4%+0.1pp | 1.3%-0.2pp | 1.5%+0.2pp | 1.3%-0.1pp | 1.4%+0.2pp | 1.2%-0.1pp | 1.3%+0.1pp | 1.2%-0.1pp | 1.3%0.0pp | 1.3%+0.1pp | 1.2%0.0pp | 1.2%+0.1pp | 1.1% |
| Debt-to-Equity | 0.09-0.1x | 0.160.0x | 0.130.0x | 0.120.0x | 0.13-0.1x | 0.23-0.1x | 0.320.0x | 0.28-0.1x | 0.390.0x | 0.360.0x | 0.38+0.1x | 0.28-0.2x | 0.440.0x | 0.48-0.1x | 0.54 |
| FCF Margin | 31.6%+5.9pp | 25.7%-6.4pp | 32.0%-4.7pp | 36.8%-19.7pp | 56.4%+7.5pp | 48.9%+17.3pp | 31.6%-3.6pp | 35.3%-4.1pp | 39.4%+3.9pp | 35.5%-0.9pp | 36.3%-5.2pp | 41.6%-8.7pp | 50.2%+0.5pp | 49.7%+21.5pp | 28.3% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where German Amern Bancorp Inc Ranks
Frequently Asked Questions
What is German Amern Bancorp Inc's annual revenue?
German Amern Bancorp Inc (GABC) reported $487.4M in total revenue for fiscal year 2025. This represents a 37.8% 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 37.8% year-over-year, from $353.7M to $487.4M in fiscal year 2025.
Is German Amern Bancorp Inc profitable?
Yes, German Amern Bancorp Inc (GABC) reported a net income of $112.6M in fiscal year 2025, with a net profit margin of 23.1%.
How much debt does German Amern Bancorp Inc have?
As of fiscal year 2025, German Amern Bancorp Inc (GABC) had $118.4M in cash and equivalents against $100.0M 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 23.1% in fiscal year 2025, 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 $1.16 per share in dividends during fiscal year 2025.
What is German Amern Bancorp Inc's return on equity (ROE)?
German Amern Bancorp Inc (GABC) has a return on equity of 9.7% for fiscal year 2025, 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 $154.0M in free cash flow during fiscal year 2025. This represents a 69.8% 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 $159.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are German Amern Bancorp Inc's total assets?
German Amern Bancorp Inc (GABC) had $8.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are German Amern Bancorp Inc's capital expenditures?
German Amern Bancorp Inc (GABC) invested $5.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is German Amern Bancorp Inc's debt-to-equity ratio?
German Amern Bancorp Inc (GABC) had a debt-to-equity ratio of 0.09 as of fiscal year 2025, 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 2025, 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 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.41x, 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 66 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.