German American Bancorp, Inc.
GABC Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$51.11
KIRA · Stoqly’s AI analyst, in plain words
- German American Bancorp, Inc. had $487M of revenue in fiscal 2025, up 37.8% on the year before. Over five years, revenue changed +18.4% a year on average.
- German American Bancorp, Inc. made $113M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.7% a year.
- German American Bancorp, Inc. returned $43.3M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count rose 24.1%.
- It earned 12.0% on shareholders’ money. Running costs took 41.4% of revenue (the efficiency ratio; lower is better).
Market cap
$1.9B
P/E
13.4x
Revenue
$487M
Net income
$113M
Return on equity
12.0%
Efficiency ratio
41.4%
German American Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+37.8%
Yes. Sales grew 37.8% last year.
Does it make a profit?
23.1%
Yes. It keeps 23.1% of every sale as profit.
How lean are its costs?
41.4%
Lean. Running costs take 41.4% of revenue.
How much does it earn on its capital?
12.0%
Fair. It earns 12.0% a year on shareholders’ money.
How is the share priced?
13.4x
One share costs 13.4 times its yearly profit per share.
What German American Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- GERMAN AMERICAN BANCORP, INC.
- CIK
- 0000714395
German American Bancorp, Inc. · GABC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $220M | $278M | $317M | $354M | $487M |
| Revenue growth | 5.0% | 26.2% | 14.0% | 11.6% | 37.8% |
| Net interest income | $161M | $201M | $190M | $191M | $294M |
| Net income | $84.1M | $81.8M | $85.9M | $83.8M | $113M |
| Net margin | 38.2% | 29.4% | 27.1% | 23.7% | 23.1% |
| Diluted EPS | $3.17 | $2.78 | $2.91 | $2.83 | $3.06 |
| Cash | |||||
| Cash from operations | $101M | $110M | $107M | $95.8M | $159M |
| Capital expenditure | $4.7M | $7.9M | $5.7M | $5.0M | $5.3M |
| Free cash flow | $96.2M | $102M | $101M | $90.7M | $154M |
| FCF margin | 43.7% | 36.7% | 32.0% | 25.6% | 31.6% |
| Dividends paid | $22.2M | $27.0M | $29.4M | $31.8M | $43.3M |
| Share count change | −0.0% | 11.0% | 0.3% | 0.3% | 24.1% |
| Debt and strength | |||||
| Cash and short-term investments | $395M | $117M | $115M | $189M | $118M |
| Debt incl. finance leases | $155M | $67.3M | $92.2M | $117M | $102M |
| Loans, net | $3.0B | $3.7B | $3.9B | $4.1B | $5.8B |
| Deposits | $4.7B | $5.4B | $5.3B | $5.3B | $7.0B |
| Shareholders' equity | $668M | $558M | $664M | $715M | $1.2B |
| Returns and quality | |||||
| Return on equity | 13.0% | 13.3% | 14.1% | 12.2% | 12.0% |
| Return on tangible equity | 15.6% | 22.2% | 18.0% | 15.8% | 15.0% |
| Efficiency ratio | 56.3% | 55.5% | 45.6% | 41.4% | 41.4% |
| Piotroski F-score | 6 | 5 | 5 | 4 | 6 |
Insiders bought, 12 months
$0.2M
7 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
German American Bancorp, Inc. · GABC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $51.11 a share, the company is worth $1.9B: 13.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000714395). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.