German American Bancorp, Inc. (GABC)

German American Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	294.13	190.59	190.43	200.58	160.83
Net Interest Income Growth	54.33%	0.08%	-5.06%	24.72%	3.60%
Non-Interest Income	67.31	62.66	60.26	59.13	59.46
Non-Interest Income Growth	7.42%	3.98%	1.91%	-0.55%	9.16%
Revenues Before Loan Losses	361.44	253.25	250.69	259.72	220.29
Provision for Credit Losses	19.43	2.78	2.55	6.35	-6.5
Revenue	342.02	250.48	248.14	253.37	226.79
Revenue Growth (YoY)	36.55%	0.94%	-2.06%	11.72%	18.02%
Compensation Expenses	107.74	82.26	83.24	84.15	68.57
Selling, General & Admin	-	42.18	38.84	42.9	33.07
Other Non-Interest Expenses	94.21	21.94	22.41	27.15	22.37
Total Non-Interest Expense	201.95	146.38	144.5	154.19	124.01
Pretax Income	140.07	104.1	103.65	99.18	102.79
Provision for Income Taxes	27.44	20.29	17.76	17.35	18.65
Net Income	112.64	83.81	85.89	81.83	84.14
Net Income to Common	112.64	83.81	85.89	81.83	84.14
Net Income Growth	34.39%	-2.42%	4.96%	-2.75%	35.25%
Shares Outstanding (Basic)	37	30	30	29	27
Shares Outstanding (Diluted)	37	30	30	29	27
Shares Change (YoY)	24.07%	0.33%	0.32%	11.03%	-0.01%
EPS (Basic)	3.06	2.83	2.91	2.78	3.17
EPS (Diluted)	3.06	2.83	2.91	2.78	3.17
EPS Growth	8.13%	-2.75%	4.68%	-12.30%	35.47%
Free Cash Flow	19.43	90.72	101.49	102.18	96.16
Free Cash Flow Growth	-78.59%	-10.61%	-0.68%	6.27%	12.67%
Free Cash Flow Per Share	0.53	3.06	3.43	3.47	3.62
Dividends Per Share	1.180	1.100	1.020	0.940	0.860
Dividend Growth	7.27%	7.84%	8.51%	9.30%	10.26%
Profit Margin	32.93%	33.46%	34.61%	32.30%	37.10%
FCF Margin	5.68%	36.22%	40.90%	40.33%	42.40%
EBITDA	0	9.28	9.56	10.12	8.77
EBITDA Margin	0.00%	3.70%	3.85%	3.99%	3.87%
Effective Tax Rate	19.59%	19.49%	17.13%	17.50%	18.14%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q