German American Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

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	-8.12	-3.51	0.61	0.25	-3.71	-9.47
Changes in Accrued Interest and Accounts Receivable	6.36	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%
Net Change in Loans Held-for-Investment	-209.83	-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
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	60.09	73.46	-2.05	-277.81	51.14	241.86
Free Cash Flow	141.02	90.72	101.49	102.18	96.16	85.35
Free Cash Flow Growth	55.45%	-10.61%	-0.68%	6.27%	12.67%	52.80%
FCF Margin	45.13%	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

SEC Filings: 10-K · 10-Q