German American Bancorp, Inc. (GABC)

German American Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	142.08	112.64	83.81	85.89	81.83	84.14
Depreciation & Amortization	19.82	18.71	9.28	9.56	10.12	8.77
Gain (Loss) on Sale of Assets	-0	-0.05	-36.53	-0.71	-0.06	1.54
Gain (Loss) on Sale of Investments	-1.65	-1.69	36.95	5.53	5.89	4.39
Provision for Credit Losses	6.43	19.43	2.78	2.55	6.35	-6.5
Net Decrease (Increase) in Loans Originated / Sold - Operating	12.13	5.15	0.07	5.74	8.63	14.89
Accrued Interest Receivable	6.63	7.39	1.75	3.73	-1.09	2.72
Other Operating Activities	-3.27	-2.91	-0.87	-1.84	-1.77	-1.37
Operating Cash Flow	189.63	159.32	95.76	107.23	110.04	100.84
Operating Cash Flow Growth	60.64%	66.36%	-10.70%	-2.55%	9.12%	9.12%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-7.23	-5.32	-5.05	-5.75	-7.85	-4.69
Sale of Property, Plant and Equipment	0.35	0.08	-	3.63	-	1.96
Cash Acquisitions	-	22.67	-	-	207.76	-
Investment in Securities	-56.82	152.35	38.27	218.04	-128.79	-700.92
Divestitures	-	-	40	-	-	1.69
Net Decrease (Increase) in Loans Originated / Sold - Investing	-196.03	-233.79	-155.96	-189.13	-104.25	59.56
Other Investing Activities	0.55	3.73	0.26	0.35	8.86	0.67
Investing Cash Flow	-259.12	-60.27	-82.4	27.26	-24.18	-640.3

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	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	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	-57.71	-81.42	-59.26	-35.33	-41.69	-58.09
Net Debt Issued (Repaid)	-32.71	-56.42	15.74	-10.33	-11.87	-42.67
Common Dividends Paid	-44.82	-43.28	-31.85	-29.43	-27.02	-22.22
Net Increase (Decrease) in Deposit Accounts	41.03	-69.76	76.21	-96.78	-324.77	655.49
Financing Cash Flow	-36.5	-169.46	60.1	-136.54	-363.67	590.6

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-105.99	-70.41	73.46	-2.05	-277.81	51.14

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	182.4	154	90.72	101.49	102.18	96.16
Free Cash Flow Growth	60.14%	69.76%	-10.61%	-0.68%	6.27%	12.67%
Free Cash Flow Margin	48.03%	45.03%	36.22%	40.90%	40.33%	42.40%
Free Cash Flow Per Share	4.86	4.18	3.06	3.43	3.47	3.62

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	117.58	124.18	99.06	60.66	17.44	10.02
Cash Income Tax Paid	26.1	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: Jul 27, 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:

Sep 2, 2026

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