GABC · German American Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $122.93M | - | $126.53M | $90.50M | $84.08M | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $4.88M | - | - | - | $3.75M | - | $2.30M | $2.33M | $2.34M | - |
| Operating Income | $41.71M | - | $43.75M | $39.17M | $13.33M | - | $25.64M | $26.59M | $23.18M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $23.26M | - |
| Income Tax | $8.56M | - | $8.68M | $7.81M | $2.81M | - | $4.60M | $6.07M | $4.16M | - |
| Net Income | $33.15M | - | $35.07M | $31.36M | $10.52M | - | $21.05M | $20.53M | $19.02M | - |
| EPS - Basic | $0.88 | - | $0.94 | $0.84 | $0.30 | - | $0.71 | $0.69 | $0.64 | - |
| EPS - Diluted | $0.88 | - | $0.94 | $0.84 | $0.30 | - | $0.71 | $0.69 | $0.64 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $123.93M | $118.38M | $255.65M | $200.15M | $442.29M | $188.79M | $195.56M | $329.32M | $123.47M | $115.33M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $8.38B | $8.39B | $8.40B | $8.28B | $8.42B | $6.30B | $6.26B | $6.22B | $6.11B | $6.15B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | $100.00M | - | - | - | $114.63M | - | - | - | $89.55M |
| Total Liabilities | $7.21B | $7.23B | $7.28B | $7.21B | $7.37B | $5.58B | $5.52B | $5.53B | $5.46B | $5.49B |
| Stockholders' Equity | $1.17B | $1.16B | $1.12B | $1.07B | $1.05B | $715.07M | $744.56M | $687.82M | $655.25M | $663.56M |
| Retained Earnings | $604.51M | $582.95M | $558.09M | $533.83M | $513.29M | $513.59M | $498.34M | $485.26M | $472.69M | $461.62M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $37.04M | - | - | - | $37.93M | - | - | - | $23.85M | - |
| Investing Cash Flow | $2.50M | - | - | - | $210.83M | - | - | - | $28.06M | - |
| Financing Cash Flow | ($34.00M) | - | - | - | $4.75M | - | - | - | ($43.77M) | - |
| CapEx | $1.07M | - | - | - | $1.25M | - | - | - | $1.24M | - |
| Free Cash Flow | $35.98M | - | - | - | $36.67M | - | - | - | $22.61M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 33.9% | - | 34.6% | 43.3% | 15.9% | - | - | - | - | - |
| EBITDA margin | 37.9% | - | - | - | 20.3% | - | - | - | - | - |
| Net margin | 27.0% | - | 27.7% | 34.7% | 12.5% | - | - | - | - | - |
| Free cash flow margin | 29.3% | - | - | - | 43.6% | - | - | - | - | - |
| FCF / Net income | 1.09 | - | - | - | 3.49 | - | - | - | 1.19 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.5% | - | 19.8% | 19.9% | 21.1% | - | 17.9% | 22.8% | 17.9% | - |
| Return on assets | 0.4% | - | 0.4% | 0.4% | 0.1% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.8% | - | 3.1% | 2.9% | 1.0% | - | 2.8% | 3.0% | 2.9% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | 0.09 | - | - | - | 0.16 | - | - | - | 0.13 |
| Debt / Assets | - | 0.01 | - | - | - | 0.02 | - | - | - | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 1.0x | - |
| Equity multiplier | 7.14 | 7.22 | 7.50 | 7.74 | 8.05 | 8.80 | 8.41 | 9.04 | 9.33 | 9.27 |
| Liabilities / Assets | 0.86 | 0.86 | 0.87 | 0.87 | 0.88 | 0.89 | 0.88 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | 0.01 | - | 0.02 | 0.01 | 0.01 | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 47.5x | - | 41.8x | 45.8x | 125.0x | - | 54.6x | 51.2x | 54.1x | - |
| P / B | 1.3x | - | 1.3x | 1.3x | 1.2x | - | 1.5x | 1.5x | 1.6x | - |
| P / S | 12.8x | - | 11.6x | 15.9x | 15.5x | - | - | - | - | - |
| EV / EBITDA | 31.0x | - | - | - | 50.3x | - | 34.2x | 24.9x | 35.3x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 46.2% | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | 63.6% | - | 69.0% | 62.1% | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 212.9% | - | 70.6% | 47.3% | -42.5% | - | -1.5% | -1.1% | -8.2% | - |
| Net income growth (YoY) | 215.2% | - | 66.6% | 52.8% | -44.7% | - | -1.9% | -7.2% | -8.6% | - |
| EPS growth (YoY) | 193.3% | - | 32.4% | 21.7% | -53.1% | - | -2.7% | -8.0% | -9.9% | - |
| EPS CAGR (3y) | 7.4% | - | 4.2% | 1.2% | -1.1% | - | -4.3% | -8.5% | -4.7% | - |
| EPS CAGR (5y) | 3.5% | - | 11.3% | 9.2% | -8.6% | - | 7.7% | 2.5% | 1.3% | - |
| FCF growth (YoY) | -1.9% | - | - | - | 62.2% | - | - | - | -23.5% | - |
| FCF CAGR (5y) | 6.8% | - | - | - | 10.0% | - | - | - | 10.5% | - |
| Book value growth (YoY) | 12.3% | 62.5% | 50.4% | 55.5% | 59.6% | 7.8% | 38.3% | 14.1% | 8.2% | 18.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$98.78M totalOther Revenues$45.99M · 46.6%
Interchange Fee Income$19.60M · 19.8%
Wealth Management Fees$16.81M · 17.0%
Service Chargeon Deposit Accounts$15.08M · 15.3%
Other Operating Income Safe Deposit Box Rentals And Other Non Interest Related Fees$1.30M · 1.3%
Peer comparison
Same SIC group: State Commercial Banks
Comparing GERMAN AMERICAN BANCORP against the 5 most active filers in the same SIC group.
Dividends
$1.20/share trailing 12 months · +7.1% YoY
| Ex-date | Per share |
|---|---|
| May 8, 2026 | $0.3100 |
| Feb 10, 2026 | $0.3100 |
| Nov 10, 2025 | $0.2900 |
| Aug 8, 2025 | $0.2900 |
| May 9, 2025 | $0.2900 |
| Feb 10, 2025 | $0.2900 |
| Nov 8, 2024 | $0.2700 |
| Aug 9, 2024 | $0.2700 |
| May 9, 2024 | $0.2700 |
| Feb 8, 2024 | $0.2700 |
| Nov 9, 2023 | $0.2500 |
| Aug 9, 2023 | $0.2500 |
| May 9, 2023 | $0.2500 |
| Feb 9, 2023 | $0.2500 |
| Nov 9, 2022 | $0.2300 |
| Aug 9, 2022 | $0.2300 |
| May 9, 2022 | $0.2300 |
| Feb 9, 2022 | $0.2300 |
| Nov 9, 2021 | $0.2100 |
| Aug 9, 2021 | $0.2100 |
| May 7, 2021 | $0.2100 |
| Feb 9, 2021 | $0.2100 |
| Nov 9, 2020 | $0.1900 |
| Aug 7, 2020 | $0.1900 |