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 Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Net Income | 100.16 | 83.81 | 85.89 | 81.83 | 84.14 | 62.21 |
Depreciation & Amortization | 16.03 | 9.28 | 9.56 | 10.12 | 8.77 | 9.43 |
Provision for Credit Losses | 17.83 | 2.78 | 2.55 | 6.35 | -6.5 | 17.55 |
Stock-Based Compensation | 2.75 | 2.95 | 2.33 | 2.33 | 1.72 | 1.05 |
Net Change in Loans Held-for-Sale | 3.88 | 0.07 | 5.74 | 8.63 | 14.89 | 10.14 |
Other Adjustments | -8.45 | -3.51 | 0.61 | 0.25 | -3.71 | -9.47 |
Changes in Accrued Interest and Accounts Receivable | 6.15 | 1.75 | 3.73 | -1.09 | 2.72 | -2.93 |
Changes in Accounts Payable | 6.41 | -1.35 | -3.17 | 1.63 | -1.19 | 4.43 |
Operating Cash Flow | 145.34 | 95.76 | 107.23 | 110.04 | 100.84 | 92.42 |
Operating Cash Flow Growth | 50.38% | -10.70% | -2.55% | 9.12% | 9.12% | 41.68% |
Investing Activities
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Net Change in Loans Held-for-Investment | -219.06 | -155.96 | -189.13 | -104.25 | 59.56 | -6.99 |
Net Change in Securities and Investments | 146.35 | 38.53 | 218.39 | -120.7 | -700.8 | -462.48 |
Proceeds from Business Divestments | 22.67 | 40 | - | 207.76 | 1.69 | - |
Capital Expenditures | -4.32 | -5.05 | -5.75 | -7.85 | -4.69 | -7.07 |
Other Investing Activities | 0.08 | 0.07 | 3.74 | 0.86 | 3.94 | 5.35 |
Investing Cash Flow | -35.84 | -82.4 | 27.26 | -24.18 | -640.3 | -346.08 |
Financing Activities
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Net Change in Deposits | 12.83 | 76.21 | -96.78 | -324.77 | 655.49 | 676.91 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -22.61 | -9.11 | -35.19 | 29.82 | 15.42 | -114.83 |
Long-Term Debt Issued | 25 | 75 | 25 | - | - | - |
Long-Term Debt Repaid | -24.22 | -50.16 | -0.13 | -41.69 | -58.09 | -40.63 |
Net Long-Term Debt Issued (Repaid) | 0.79 | 24.84 | 24.87 | -41.69 | -58.09 | -40.63 |
Issuance of Common Stock | - | - | - | - | - | -5.79 |
Net Common Stock Issued (Repurchased) | - | - | - | - | - | -5.79 |
Common Dividends Paid | -40.42 | -31.85 | -29.43 | -27.02 | -22.22 | -20.14 |
Financing Cash Flow | -49.41 | 60.1 | -136.54 | -363.67 | 590.6 | 495.52 |
Net Cash Flow
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Net Cash Flow | 60.09 | 73.46 | -2.05 | -277.81 | 51.14 | 241.86 |
Free Cash Flow
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Free Cash Flow | 141.02 | 90.72 | 101.49 | 102.18 | 96.16 | 85.35 |
Free Cash Flow Growth | 53.27% | -10.61% | -0.68% | 6.27% | 12.67% | 52.80% |
FCF Margin | 45.09% | 36.22% | 40.90% | 40.33% | 42.40% | 44.41% |
Free Cash Flow Per Share | 4.05 | 3.06 | 3.43 | 3.47 | 3.62 | 3.22 |