German American Bancorp, Inc. (GABC)

German American Bancorp Cash Flow Statement

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

Operating Activities

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 Income	112.64	83.81	85.89	81.83	84.14
Depreciation & Amortization	18.71	9.28	9.56	10.12	8.77
Gain (Loss) on Sale of Assets	-0.05	-36.53	-0.71	-0.06	1.54
Gain (Loss) on Sale of Investments	-1.69	36.95	5.53	5.89	4.39
Provision for Credit Losses	19.43	2.78	2.55	6.35	-6.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	5.15	0.07	5.74	8.63	14.89
Accrued Interest Receivable	7.39	1.75	3.73	-1.09	2.72
Other Operating Activities	-2.91	-0.87	-1.84	-1.77	-1.37
Operating Cash Flow	159.32	95.76	107.23	110.04	100.84
Operating Cash Flow Growth	66.36%	-10.70%	-2.55%	9.12%	9.12%

Investing Activities

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
Capital Expenditures	-5.32	-5.05	-5.75	-7.85	-4.69
Sale of Property, Plant and Equipment	0.08	-	3.63	-	1.96
Cash Acquisitions	22.67	-	-	207.76	-
Investment in Securities	152.35	38.27	218.04	-128.79	-700.92
Divestitures	-	40	-	-	1.69
Net Decrease (Increase) in Loans Originated / Sold - Investing	-233.79	-155.96	-189.13	-104.25	59.56
Other Investing Activities	3.73	0.26	0.35	8.86	0.67
Investing Cash Flow	-60.27	-82.4	27.26	-24.18	-640.3

Financing Activities

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
Short-Term Debt Issued	-	-	-	29.82	15.42
Long-Term Debt Issued	25	75	25	-	-
Total Debt Issued	25	75	25	29.82	15.42
Short-Term Debt Repaid	-16.94	-9.11	-35.19	-	-
Long-Term Debt Repaid	-64.48	-50.16	-0.13	-41.69	-58.09
Total Debt Repaid	-81.42	-59.26	-35.33	-41.69	-58.09
Net Debt Issued (Repaid)	-56.42	15.74	-10.33	-11.87	-42.67
Common Dividends Paid	-43.28	-31.85	-29.43	-27.02	-22.22
Net Increase (Decrease) in Deposit Accounts	-69.76	76.21	-96.78	-324.77	655.49
Financing Cash Flow	-169.46	60.1	-136.54	-363.67	590.6

Net Cash Flow

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 Cash Flow	-70.41	73.46	-2.05	-277.81	51.14

Free Cash Flow

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
Free Cash Flow	154	90.72	101.49	102.18	96.16
Free Cash Flow Growth	69.76%	-10.61%	-0.68%	6.27%	12.67%
Free Cash Flow Margin	45.03%	36.22%	40.90%	40.33%	42.40%
Free Cash Flow Per Share	4.18	3.06	3.43	3.47	3.62

Additional Metrics

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
Cash Interest Paid	124.18	99.06	60.66	17.44	10.02
Cash Income Tax Paid	18.93	17.82	15.38	11.65	14.43

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 1, 2026

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