German American Bancorp, Inc. (GABC)
NASDAQ: GABC · Real-Time Price · USD
50.33
+0.64 (1.29%)
Aug 11, 2026, 4:00 PM EDT - Market closed

German American Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
350.58342.02250.48248.14253.37226.79
Revenue Growth
97.83%36.55%0.94%-2.06%11.72%18.02%
Net Income
142.08112.6483.8185.8981.8384.14
Earnings Per Share
3.793.062.832.912.783.17
EPS Growth
44.11%8.13%-2.75%4.68%-12.30%35.47%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Core Banking
317.55285.45196.36195.03201.76180.43
Wealth Management Services
18.7317.1614.5711.8510.1310.37
Other
-4.58-6.58-5.64-4.96-3.75-2.62
Unallocated Other Revenues
48.0645.9940.8136.5935.22-
Elimination of Intercompany Revenues
-0.37-0.42-0.44-0.33-0.13-
Insurance
--4.389.63109.26
Total
379.38341.6250.04247.82253.24197.43

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash (Debt)
80.1571.93189.29115.83117.88397.64
Net Cash Growth
-60.06%-62.00%63.42%-1.74%-70.35%14.60%
Cash & Investments
80.1571.93189.29115.83117.88397.64
Net Cash Per Share
2.141.956.383.924.0014.98

Cash Flow & CapEx

Fiscal YearTTMFY 2024FY 2023FY 2022FY 2021FY 2020
Period EndingSep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20
Operating Cash Flow
145.3495.76107.23110.04100.8492.42
Capital Expenditures
-4.32-5.05-5.75-7.85-4.69-7.07
Free Cash Flow
141.0290.72101.49102.1896.1685.35
Free Cash Flow Growth
53.27%-10.61%-0.68%6.27%12.67%52.80%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
50.59%40.95%41.56%41.77%39.14%45.32%
Profit Margin
40.53%32.93%33.46%34.61%32.30%37.10%
FCF Margin
0.00%0.00%36.22%40.90%40.33%42.40%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.2401.1801.1001.0200.9400.860
Dividend Per Share Growth
7.02%7.27%7.84%8.51%9.30%10.26%
Dividend Yield
2.46%0.00%2.67%3.07%2.46%2.15%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.2912.8014.2111.1413.4212.30
Forward PE
12.5210.7913.3012.5311.1113.73
P/FCF Ratio
12.34-13.169.4510.7710.76
PS Ratio
4.984.304.773.864.344.56