What is German American Bancorp, Inc.'s earnings per share (EPS)?

German American Bancorp, Inc. (GABC) reported diluted earnings per share of $3.06 for fiscal year 2025. This represents a 8.1% 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.

German American Bancorp, Inc. (GABC) Financials

GABC

Trailing 12 months to June 30, 2026

Revenue $503.0M +21.7% YoY

Net Income $142.1M +64.9% YoY

EPS (Diluted) $3.80 +43.9% YoY

Free Cash Flow $182.4M +60.1% YoY

Market Cap $1.8B as of Oct 9, 2026

Price / Sales 3.6x on $503.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.7x on $142.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $1.2B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GABC SEC filings page.

German American Bancorp, Inc. (GABC) reported $503.0M in revenue over the twelve months to Jun 30, 2026, up 21.7% from the prior twelve months. 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).

Rhea AI GABC FY2025 2026-10-04

FY2025 brought rapid scale and cash generation, but higher interest expense kept profit growth below revenue growth.

Revenue expanded 37.8% in FY2025, yet net margin narrowed, so growth did not fully pass through to profit. Interest expense rose 25.4% over the same period, providing a reported cost channel for that margin pressure.

In FY2025, operating cash flow of $159M exceeded net income of $113M, indicating reported profit was accompanied by cash generation. Free cash flow of $154M stayed close to operating cash flow, while capital expenditure was only $5M; reinvestment therefore absorbed little of the cash produced.

Goodwill more than doubled to $375M as total assets expanded 33.2%, indicating the balance-sheet enlargement changed composition, not just scale. Meanwhile, debt-to-equity fell from 0.2x to 0.1x, so the expansion was financed with a larger capital cushion relative to debt.

Financial Health Signals

Financial Health Score 69/100

Scored as: Banks peer group

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 American 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.

Earnings

German American Bancorp, Inc. earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and German American Bancorp, Inc. scores 81/100 among other banks.

Growth

German American Bancorp, Inc. reported revenue of $487.4M in fiscal year 2025, against $353.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and German American Bancorp, Inc. scores 81/100 among other banks.

Capital

German American Bancorp, Inc. funded 13.9% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.2B of equity against $8.4B of assets. Capital ranks banks on that cushion, and German American Bancorp, Inc. scores 74/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. German American Bancorp, Inc. scores 94/100 on it among other banks.

Credit Quality

Not available for German American Bancorp, Inc., and counted as zero in the overall score.

Stability

German American Bancorp, Inc. reported net income of $112.6M in fiscal year 2025, against $83.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and German American Bancorp, Inc. scores 81/100 among other banks.

Piotroski F-Score Partial

6/7

German American 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.

Earnings Quality Cash-Backed

1.41x

For every $1 of reported earnings, German American 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

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Earnings & Revenue

Revenue

$126.9M

YoY+3.1%

QoQ+3.2%

5Y CAGR+18.7%

10Y CAGR+14.5%

German American Bancorp, Inc. generated $126.9M in revenue in Q2 2026. This represents an increase of 3.1% from the same quarter a year earlier. Against the prior quarter it is up 3.2%.

Net Income

$38.2M

YoY+21.7%

QoQ+15.1%

5Y CAGR+9.9%

10Y CAGR+14.6%

German American Bancorp, Inc. reported $38.2M in net income in Q2 2026. This represents an increase of 21.7% from the same quarter a year earlier. Against the prior quarter it is up 15.1%.

EPS (Diluted)

$1.02

YoY+21.4%

QoQ+15.9%

5Y CAGR+2.5%

10Y CAGR+9.0%

German American Bancorp, Inc. earned $1.02 per diluted share (EPS) in Q2 2026. This represents an increase of 21.4% from the same quarter a year earlier. Against the prior quarter it is up 15.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$55.3M

YoY+111.2%

QoQ+53.6%

5Y CAGR+25.5%

10Y CAGR+13.0%

German American Bancorp, Inc. generated $55.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 111.2% from the same quarter a year earlier. Against the prior quarter it is up 53.6%.

Cash & Debt

$94.2M

YoY-53.0%

QoQ-24.0%

5Y CAGR-23.9%

German American Bancorp, Inc. held $94.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.31

YoY+6.9%

QoQ0.0%

German American Bancorp, Inc. paid $0.31 per share in dividends in Q2 2026. This represents an increase of 6.9% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

38M

YoY+0.2%

QoQ0.0%

5Y CAGR+7.2%

10Y CAGR+9.4%

German American Bancorp, Inc. had 38M shares outstanding in Q2 2026. This represents an increase of 0.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

30.1%

YoY+4.6pp

QoQ+3.1pp

5Y change-14.2pp

10Y change+0.2pp

German American Bancorp, Inc.'s net profit margin was 30.1% in Q2 2026, showing the share of revenue converted to profit. This is up 4.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.1 percentage points.

Return on Equity

3.1%

YoY+0.2pp

QoQ+0.3pp

5Y change-0.5pp

10Y change+0.2pp

German American Bancorp, Inc.'s ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$2.9M

YoY+279.8%

QoQ+167.5%

5Y CAGR+24.3%

10Y CAGR+10.6%

German American Bancorp, Inc. invested $2.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 279.8% from the same quarter a year earlier. Against the prior quarter it is up 167.5%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

GABC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GABC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$503.0M	$487.4M+37.8%	$353.7M+11.6%	$316.9M+14.0%	$278.1M+26.2%	$220.3M+5.0%	$209.7M+10.0%	$190.7M+25.7%	$151.7M+15.1%	$131.8M+3.8%	$126.9M+23.2%	$103.0M+4.8%	$98.3M+6.7%	$92.1M+4.6%	$88.1M+2.9%	$85.6M
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 (Basic)	N/A	$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%	$1.51-29.8%	$2.15+8.0%	$1.99+4.2%	$1.91+18.6%	$1.61
EPS (Diluted)	$3.80	$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
Diluted Shares (Avg)	N/A	37M+24.1%	30M+0.3%	30M+0.3%	29M+11.0%	27M0.0%	27M+2.8%	26M+10.4%	23M+2.0%	23M+2.4%	22M+12.6%	20M	13M+3.2%	13M+1.3%	13M+0.4%	13M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$126.9M+3.1%	$122.9M+10.7%	$126.7M+39.7%	$126.5M+43.0%	$123.2M+36.1%	$111.1M+32.1%	$90.7M-28.8%	$88.5M+41.8%
SG&A Expenses	$27.1M+1.9%	$28.3M+1.0%	$27.6M+35.4%	$25.4M+29.0%	$26.6M+27.1%	$28.0M+32.4%	$20.4M-2.6%	$19.7M-3.1%
Interest Expense	$27.0M-18.9%	$26.9M-9.4%	$30.7M+20.1%	$32.4M+24.2%	$33.3M+30.0%	$29.6M+27.4%	$25.5M+19.2%	$26.1M+44.1%
Income Tax	$9.9M+26.8%	$8.6M+204.2%	$8.1M+48.6%	$8.7M+88.9%	$7.8M+28.8%	$2.8M-32.3%	$5.5M+38.2%	$4.6M+0.1%
Net Income	$38.2M+21.7%	$33.2M+215.2%	$35.7M+53.7%	$35.1M+66.6%	$31.4M+52.8%	$10.5M-44.7%	$23.2M+7.9%	$21.0M-1.9%
EPS (Basic)	$1.02+21.4%	$0.88+193.3%	$0.96+21.5%	$0.94+32.4%	$0.84+21.7%	$0.30-53.1%	$0.79+8.2%	$0.71-2.7%
EPS (Diluted)	$1.02+21.4%	$0.88+193.3%	$0.96+21.5%	$0.94+32.4%	$0.84+21.7%	$0.30-53.1%	$0.79+8.2%	$0.71-2.7%
Diluted Shares (Avg)	38M+0.2%	38M+8.2%	N/A	37M+26.3%	37M+26.3%	35M+17.2%	N/A	30M+0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

GABC Balance Sheet

GABC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	$4.1M+36.4%	$3.0M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$8.4B+1.9%	$8.4B-0.4%	$8.4B+33.2%	$8.4B+34.2%	$8.3B+33.2%	$8.4B+37.8%	$6.3B+2.3%	$6.3B+4.3%
Cash & Equivalents	$94.2M-53.0%	$123.9M-72.0%	$118.4M-37.3%	$255.6M+30.7%	$200.1M-39.2%	$442.3M+258.2%	$188.8M+63.7%	$195.6M+47.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$375.5M-0.7%	$375.5M-0.3%	$375.5M+109.7%	$375.2M+109.6%	$378.0M+111.1%	$376.5M+108.8%	$179.0M-0.7%	$179.0M-0.7%
Total Liabilities	$7.2B+0.2%	$7.2B-2.2%	$7.2B+29.5%	$7.3B+32.0%	$7.2B+30.4%	$7.4B+35.1%	$5.6B+1.7%	$5.5B+0.9%
Long-Term Debt	N/A	N/A	$100.0M-12.8%	N/A	N/A	N/A	$114.6M+28.0%	N/A
Total Equity	$1.2B+13.3%	$1.2B+12.3%	$1.2B+62.5%	$1.1B+50.4%	$1.1B+55.5%	$1.0B+59.6%	$715.1M+7.8%	$744.6M+38.3%
Retained Earnings	$631.1M+18.2%	$604.5M+17.8%	$582.9M+13.5%	$558.1M+12.0%	$533.8M+10.0%	$513.3M+8.6%	$513.6M+11.3%	$498.3M+11.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

GABC Cash Flow Statement

GABC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$18.7M+101.7%	$9.3M-3.0%	$9.6M-5.5%	$10.1M+15.3%	$8.8M-7.0%	$9.4M+9.3%	$8.6M+39.6%	$6.2M+31.9%	$4.7M+8.6%	$4.3M+1.2%	$4.3M-11.4%	$4.8M+7.8%	$4.5M-4.8%	$4.7M-8.8%	$5.1M
Stock-Based Compensation	N/A	$2.9M-2.5%	$2.9M+26.4%	$2.3M+0.1%	$2.3M+35.2%	$1.7M+64.0%	$1.1M-18.3%	$1.3M-5.0%	$1.4M+8.7%	$1.2M-11.4%	$1.4M+46.1%	$963K+53.6%	$627K+90.6%	$329K-47.6%	$628K-1.1%	$635K
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$58.1M+115.9%	$37.0M-2.3%	$42.7M+48.7%	$51.8M+111.4%	$26.9M+43.9%	$37.9M+59.0%	$28.7M-3.0%	$24.5M+0.4%
Depreciation & Amortization	$4.8M-0.7%	$4.9M+30.3%	$5.0M+115.9%	$5.2M+124.9%	$4.8M+106.4%	$3.7M+60.2%	$2.3M-1.5%	$2.3M-3.1%
Stock-Based Compensation	$246K+57.7%	$499K+3.7%	N/A	$176K-8.8%	$156K-23.2%	$481K-8.2%	N/A	$193K-7.7%
Capital Expenditures	$2.9M+279.8%	$1.1M-14.9%	$1.7M+152.0%	$1.7M+11.9%	$751K-55.1%	$1.3M+1.2%	$656K+164.5%	$1.5M+43.5%
Free Cash Flow	$55.3M+111.2%	$36.0M-1.9%	$41.0M+46.3%	$50.1M+117.8%	$26.2M+53.6%	$36.7M+62.2%	$28.0M-4.4%	$23.0M-1.5%
Investing Cash Flow	-$90.8M+9.4%	$2.5M-98.8%	-$115.6M-26.8%	-$55.2M+62.0%	-$100.3M-179.5%	$210.8M+651.3%	-$91.2M-46.1%	-$145.4M-262.4%
Financing Cash Flow	$2.9M+101.7%	-$34.0M-816.5%	-$64.3M-215.5%	$58.9M+559.3%	-$168.8M-376.7%	$4.7M+110.8%	$55.7M+219.9%	-$12.8M-271.7%
Dividends Paid	$11.6M+7.1%	$11.6M+7.1%	$10.8M+35.9%	$10.8M+35.9%	$10.8M+35.9%	$10.8M+35.9%	$8.0M+8.2%	$8.0M+8.2%

Not reported in any period shown, so not listed: Share Buybacks.

GABC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

GABC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	23.1%-0.6pp	23.7%-3.4pp	27.1%-2.3pp	29.4%-8.8pp	38.2%+8.5pp	29.7%-1.4pp	31.1%+0.4pp	30.7%-0.2pp	30.9%+3.1pp	27.7%-1.5pp	29.2%+0.4pp	28.8%+1.3pp	27.6%+0.3pp	27.3%+3.7pp	23.7%
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
Asset Turnover	0.060.0x	0.060.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05
FCF Margin	31.6%+5.9pp	25.7%-6.4pp	32.0%-4.7pp	36.8%-6.9pp	43.6%+3.0pp	40.7%+11.4pp	29.3%-1.8pp	31.1%-2.1pp	33.2%+4.3pp	28.9%+0.1pp	28.8%-5.2pp	34.0%-7.3pp	41.3%-2.3pp	43.6%+17.1pp	26.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.1%+4.6pp	27.0%+17.5pp	28.2%+2.6pp	27.7%+3.9pp	25.5%+2.8pp	9.5%-13.2pp	25.6%+8.7pp	23.8%-10.6pp
Return on Equity	3.1%+0.2pp	2.8%+1.8pp	3.1%-0.2pp	3.1%+0.3pp	2.9%-0.1pp	1.0%-1.9pp	3.3%0.0pp	2.8%-1.2pp
Return on Assets	0.4%+0.1pp	0.4%+0.3pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.1%-0.2pp	0.4%0.0pp	0.3%0.0pp
Debt-to-Equity	5.97-0.8x	6.14-0.9x	0.09-0.1x	6.50-0.9x	6.74-1.3x	7.05-1.3x	0.160.0x	7.41-2.7x
Asset Turnover	0.010.0x	0.010.0x	0.020.0x	0.020.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	43.5%+22.3pp	29.3%-3.7pp	32.4%+1.5pp	39.6%+13.6pp	21.2%+2.4pp	33.0%+6.1pp	30.9%+7.9pp	26.0%-11.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
German American Bancorp, Inc. GABC	FY2025	$487.4M	$112.6M	23.1%	$1.8B	69/100
Hope Bancorp, Inc. HOPE	FY2025	$498.7M	$62.0M	12.4%	$1.7B	34/100
1st Source Corp SRCE	FY2025	$433.8M	$158.3M	36.5%	$2.0B	74/100
NATIONAL BANK HOLDINGS CORP. NBHC	FY2025	$416.1M	$109.6M	26.3%	$1.7B	53/100
Coastal Financial Corporation CCB	FY2025	$541.7M	$47.0M	8.7%	$625.7M	53/100
Columbia Financial, Inc. CLBK	FY2025	$471.0M	$51.8M	11.0%	$2.9B	50/100

Where German American Bancorp, Inc. Ranks

Frequently Asked Questions

What is German American Bancorp, Inc.'s annual revenue?

German American 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 American Bancorp, Inc.'s revenue growing?

German American Bancorp, Inc. (GABC) revenue grew by 37.8% year-over-year, from $353.7M to $487.4M in fiscal year 2025.

Is German American Bancorp, Inc. profitable?

Yes, German American 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 American Bancorp, Inc. have?

As of fiscal year 2025, German American Bancorp, Inc. (GABC) had $118.4M in cash and equivalents against $100.0M in long-term debt.

What is German American Bancorp, Inc.'s net profit margin?

German American 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 American Bancorp, Inc. pay dividends?

Yes, German American Bancorp, Inc. (GABC) paid $1.16 per share in dividends during fiscal year 2025.

What is German American Bancorp, Inc.'s return on equity (ROE)?

German American 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 American Bancorp, Inc.'s free cash flow?

German American 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 American Bancorp, Inc.'s operating cash flow?

German American Bancorp, Inc. (GABC) generated $159.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are German American Bancorp, Inc.'s total assets?

German American Bancorp, Inc. (GABC) had $8.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are German American Bancorp, Inc.'s capital expenditures?

German American Bancorp, Inc. (GABC) invested $5.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does German American Bancorp, Inc. have outstanding?

German American Bancorp, Inc. (GABC) had 37M shares outstanding as of fiscal year 2025.

What is German American Bancorp, Inc.'s debt-to-equity ratio?

German American 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 American Bancorp, Inc.'s return on assets (ROA)?

German American 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 American Bancorp, Inc.'s P/E ratio?

German American Bancorp, Inc. (GABC) trades at 12.7x earnings, its market capitalization divided by net income of $142.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.8B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is German American Bancorp, Inc.'s price-to-sales ratio?

German American Bancorp, Inc. (GABC) trades at 3.6x sales, its market capitalization divided by revenue of $503.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.8B as of Oct 9, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is German American Bancorp, Inc.'s Piotroski F-Score?

German American 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 American Bancorp, Inc.'s earnings high quality?

German American 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 American Bancorp, Inc.?

German American Bancorp, Inc. (GABC) scores 69 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.