GABC

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German American Bancorp, Inc.

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Key Metrics

Previous Close: $49.52
52-Week Range: $37.19 – $52.23
Market Cap: $1.88B
P/E (TTM): 13.04
EPS (TTM): 3.83
Dividend Yield: 2.46%

Advanced Metrics

Price/Book: 1.55
PEG Ratio: 1.46
Return on Equity: 12.46%
Return on Assets: 1.70%
Gross Margin: 0.00%
Operating Margin: 52.18%
Profit Margin: 37.41%
Current Ratio: —
Debt/Equity: —
Total Debt: $177.47M
Free Cash Flow: —
Revenue Growth: 11.00%
Earnings Growth: 21.40%
Enterprise Value: $1.96B

GABC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$259.72M	$250.69M	$214.93M	$361.44M
Selling, General & Admin	$90.42M	$90.93M	$89.10M	$116.69M
Pretax Income	$99.18M	$103.65M	$104.10M	$140.07M
Income Tax	$17.35M	$17.76M	$20.29M	$27.43M
Net Income	$81.83M	$85.89M	$83.81M	$112.64M
Diluted EPS	2.78	2.91	2.83	3.06
Diluted Shares	29.46M	29.56M	29.66M	36.80M

GABC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$75.98M	$79.31M	$69.75M	$71.93M
Receivables	$123.97M	—	—	—
Total Assets	$6.16B	$6.15B	$6.30B	$8.39B
Long-Term Debt	$99.79M	$125.33M	$150.87M	$136.69M
Total Debt	$127.64M	$127.97M	$153.27M	$138.83M
Total Liabilities	$5.60B	$5.49B	$5.58B	$7.23B
Retained Earnings	$405.17M	$461.62M	$513.59M	$582.95M
Shareholders' Equity	$558.39M	$663.56M	$715.07M	$1.16B
Net Debt	$48.81M	$46.02M	$81.12M	$64.77M

GABC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$110.04M	$107.23M	$95.76M	$159.32M
Capital Expenditure	-$7.85M	-$5.75M	-$5.05M	-$5.32M
Free Cash Flow	$102.18M	$101.49M	$90.72M	$154.00M
Depreciation & Amortisation	$10.12M	$9.56M	$9.28M	$18.71M
Stock-Based Compensation	$2.33M	$2.33M	$2.95M	$2.87M
Investing Cash Flow	-$24.18M	$27.25M	-$82.40M	-$60.27M
Financing Cash Flow	-$363.67M	-$136.54M	$60.10M	-$169.46M
Dividends Paid	-$27.02M	-$29.43M	-$31.84M	-$43.28M
Net Change in Cash	-$277.81M	-$2.05M	$73.46M	-$70.41M

GABC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$89.89M	$94.15M	$95.99M	$96.08M	—
Selling, General & Admin	$28.83M	$27.82M	$29.65M	$30.93M	—
Pretax Income	$39.17M	$43.75M	$43.81M	$41.71M	—
Income Tax	$7.81M	$8.68M	$8.13M	$8.56M	—
Net Income	$31.36M	$35.07M	$35.68M	$33.15M	—
Diluted EPS	0.84	0.94	0.95	0.88	1.02
Diluted Shares	37.48M	37.49M	37.49M	37.52M	37.56M

GABC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$79.61M	$100.37M	$113.22M	$71.93M	$76.46M
Total Assets	$8.42B	$8.28B	$8.40B	$8.39B	$8.38B
Long-Term Debt	$178.28M	$178.74M	$178.48M	$136.69M	$138.87M
Total Debt	$178.28M	$178.74M	$178.48M	$138.83M	$138.87M
Total Liabilities	$7.37B	$7.21B	$7.28B	$7.23B	$7.21B
Retained Earnings	$513.29M	$533.83M	$558.09M	$582.95M	$604.51M
Shareholders' Equity	$1.05B	$1.07B	$1.12B	$1.16B	$1.17B
Net Debt	$98.67M	$78.37M	$65.26M	$64.77M	$62.42M

GABC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$37.93M	$26.92M	$51.80M	$42.67M	$37.04M
Capital Expenditure	-$1.25M	-$751.00K	-$1.66M	-$1.65M	-$1.07M
Free Cash Flow	$36.67M	$26.16M	$50.15M	$41.02M	$35.98M
Depreciation & Amortisation	$3.75M	$4.80M	$5.16M	$5.00M	$4.88M
Stock-Based Compensation	$481.00K	$799.00K	$787.00K	$807.00K	$499.00K
Investing Cash Flow	$210.83M	-$100.29M	-$55.22M	-$115.59M	$2.50M
Financing Cash Flow	$4.75M	-$168.77M	$58.92M	-$64.35M	-$34.00M
Dividends Paid	-$10.81M	-$10.82M	-$10.82M	-$10.82M	-$11.58M
Net Change in Cash	$253.50M	-$242.14M	$55.50M	-$137.27M	$5.54M

Market Snapshot

About

German American Bancorp, Inc. is a bank holding company headquartered in Jasper, Indiana, operating through its subsidiary German American Bank. The company provides community banking services including retail and commercial lending, deposit products, trust and wealth management, and insurance services across southern Indiana and Kentucky. German American serves individuals, businesses, and municipalities through a network of branch locations. The company has a long history dating back to 1910 and emphasizes personalized service and community involvement.