German American Bancorp, Inc. (GABC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, German American Bancorp reported revenue of $361.4M, up 42.7% from $253.3M the year before. Net income was $112.6M (a 31.2% net margin), or $3.06 per diluted share. Net interest income was $294.1M, and the efficiency ratio (noninterest expense / revenue) was 55.9%. Operating activities generated $159.3M of cash, leaving $154.0M of free cash flow. At fiscal year end, German American Bancorp held $8.39B in total assets against $7.23B in total liabilities.
Open the full interactive German American Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
German American Bancorp Key Stats
| Share Price | $48.74 |
|---|---|
| Market Cap | $1.83B |
| P/E Ratio | 15.9 |
| Dividend Yield | 2.45% |
| Revenue YoY Growth | +42.7% |
| 52-Week Range | $36.62 – $51.38 |
| Shares Outstanding | 37.6 million (basic, 2026 Q2) |
German American Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $155.2M | $160.8M | $200.6M | $190.4M | $190.6M | $294.1M |
| Provision for Credit Losses | $17.6M | -$6.5M | $6.3M | $2.5M | $2.8M | $19.4M |
| Noninterest Income | $54.5M | $59.5M | $59.1M | $60.3M | $62.7M | $67.3M |
| Noninterest Expense | $117.1M | $124.0M | $154.2M | $144.5M | $146.4M | $201.9M |
| Revenue | $209.7M | $220.3M | $259.7M | $250.7M | $253.3M | $361.4M |
| Pre-Tax Income | $75.0M | $102.8M | $99.2M | $103.6M | $104.1M | $140.1M |
| Income Tax | $12.8M | $18.6M | $17.4M | $17.8M | $20.3M | $27.4M |
| Net Income | $62.2M | $84.1M | $81.8M | $85.9M | $83.8M | $112.6M |
| Diluted EPS | $2.34 | $3.17 | $2.78 | $2.91 | $2.83 | $3.06 |
German American Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $94.2M | $96.0M | $96.1M | $100.0M |
| Net Income | $35.1M | $35.7M | $33.2M | $38.2M |
| Diluted EPS | $0.94 | $0.97 | $0.88 | $1.02 |
German American Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $2.97B | $3.74B | $3.93B | $4.08B | $5.80B |
| Total Assets | $4.98B | $5.61B | $6.16B | $6.15B | $6.30B | $8.39B |
| Deposits | $4.11B | $4.74B | $5.35B | $5.25B | $5.33B | $6.99B |
| Total Long-Term Debt | $141.6M | $83.9M | $210.2M | $199.8M | $114.6M | $100.0M |
| Total Liabilities | $4.35B | $4.94B | $5.60B | $5.49B | $5.58B | $7.23B |
| Shareholders' Equity | $624.7M | $668.5M | $558.4M | $663.6M | $715.1M | $1.16B |
German American Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $92.4M | $100.8M | $110.0M | $107.2M | $95.8M | $159.3M |
| Cash From Investing | -$346.1M | -$640.3M | -$24.2M | $27.3M | -$82.4M | -$60.3M |
| Cash From Financing | $495.5M | $590.6M | -$363.7M | -$136.5M | $60.1M | -$169.5M |
| Free Cash Flow | $85.3M | $96.2M | $102.2M | $101.5M | $90.7M | $154.0M |
| Dividends Paid | $20.1M | $22.2M | $27.0M | $29.4M | $31.8M | $43.3M |
Figures from German American Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full German American Bancorp financials page for every line item.
German American Bancorp Company Profile
| Ticker | GABC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Jasper, Indiana |
| Incorporated in | Indiana |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000714395 |
Frequently Asked Questions
What was German American Bancorp's revenue in fiscal 2025?
German American Bancorp (GABC) reported revenue of $361.4M for fiscal 2025.
What is German American Bancorp's annual revenue history?
German American Bancorp's annual revenue by fiscal year: 2020: $209.7M; 2021: $220.3M; 2022: $259.7M; 2023: $250.7M; 2024: $253.3M; 2025: $361.4M.
What was German American Bancorp's net income in fiscal 2025?
German American Bancorp reported net income of $112.6M for fiscal 2025.
What was German American Bancorp's earnings per share (EPS) in fiscal 2025?
German American Bancorp's diluted EPS was $3.06 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did German American Bancorp generate in fiscal 2025?
German American Bancorp generated $154.0M of free cash flow in fiscal 2025.
What was German American Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), German American Bancorp reported revenue of $100.0M.
How much debt does German American Bancorp have?
German American Bancorp reported $100.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of German American Bancorp are outstanding?
German American Bancorp reported a weighted average of 37.6 million basic shares outstanding in 2026 Q2.
What is German American Bancorp's market cap?
Based on its latest closing price, German American Bancorp (GABC) has a market capitalization of about $1.83B.
When does German American Bancorp's fiscal year end?
German American Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is German American Bancorp headquartered?
German American Bancorp lists its business address in Jasper, Indiana in its SEC filings.