GABC Financials German American Bancorp, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Aug 9, 2026, 10:17 UTC Overview →

Growth & profitability

Revenue has grown 20.6% per year over the past 5 years.
Net income has grown slower than revenue (12.6% vs 20.6% per year).
Free cash flow has grown 12.5% per year over the past 5 years.

Financial health

The company holds more cash ($118M) than total debt ($100M).
Total debt has grown slower than revenue (-12.5% vs 20.6% per year).

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 38.4% of earnings and 28.1% of free cash flow.
The dividend has grown 16.5% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$487M	$113M	0.0%	0.0%	9.7%	1.3%	$154M	$100M	$118M
2024	$354M	$84M	0.0%	0.0%	11.7%	1.3%	$91M	$115M	$189M
2023	$317M	$86M	0.0%	0.0%	12.9%	1.4%	$101M	$90M	$115M
2022	$278M	$82M	0.0%	0.0%	14.7%	1.3%	$102M	$64M	$117M
2021	—	$84M	—	—	12.6%	1.5%	$96M	$152M	$395M
2020	—	$62M	—	—	10.0%	1.2%	$85M	$195M	$344M
2019	—	$59M	—	—	10.3%	1.3%	$56M	$350M	$104M
2018	—	$47M	—	—	10.1%	1.2%	$47M	$376M	$97M
2017	—	$41M	—	—	11.2%	1.3%	$44M	$275M	$70M
2016	—	$35M	—	—	10.7%	1.2%	—	$258M	—
2015	—	$30M	—	—	11.9%	1.3%	—	$273M	—
2014	—	$28M	—	—	12.4%	1.3%	—	$206M	—
2013	—	$25M	—	—	12.7%	1.2%	—	$141M	—
2012	—	$24M	—	—	13.0%	1.2%	$38M	$161M	—
2011	—	$20M	—	—	12.1%	1.1%	$23M	$131M	—

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$127M	$38M	0.0%	0.0%	3.2%	0.5%	$55M	—	$94M
Mar '26	$123M	$33M	0.0%	0.0%	2.8%	0.4%	$36M	—	$124M
Dec '25	$127M	$36M	0.0%	0.0%	3.1%	0.4%	$41M	$100M	$118M
Sep '25	$127M	$35M	0.0%	0.0%	3.1%	0.4%	$50M	—	$256M
Jun '25	$123M	$31M	0.0%	0.0%	2.9%	0.4%	$26M	—	$200M
Mar '25	$111M	$11M	0.0%	0.0%	1.0%	0.1%	$37M	—	$442M
Dec '24	$91M	$23M	0.0%	0.0%	3.2%	0.4%	$28M	$115M	$189M
Sep '24	$88M	$21M	0.0%	0.0%	2.8%	0.3%	$23M	—	$196M
Jun '24	$91M	$21M	0.0%	0.0%	3.0%	0.3%	$17M	—	$329M
Mar '24	$84M	$19M	0.0%	0.0%	2.9%	0.3%	$23M	—	$123M
Dec '23	—	$22M	—	—	3.2%	0.3%	$29M	$90M	$115M
Sep '23	—	$21M	—	—	4.0%	0.4%	$23M	—	$132M
Jun '23	—	$22M	—	—	3.7%	0.4%	$19M	—	$141M
Mar '23	—	$21M	—	—	3.4%	0.3%	$30M	—	$80M
Dec '22	—	$24M	—	—	4.4%	0.4%	$26M	$64M	$117M
Sep '22	—	$25M	—	—	5.0%	0.4%	$31M	—	$373M
Jun '22	—	$24M	—	—	4.1%	0.4%	$3M	—	$526M
Mar '22	—	$9M	—	—	1.4%	0.1%	$42M	—	$671M
Dec '21	—	$19M	—	—	2.9%	0.3%	$25M	$152M	$395M
Sep '21	—	$21M	—	—	3.3%	0.4%	$28M	—	$449M

Valuation over time

How the market has priced GABC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 15.0× (Mar '23) to 16.6× (Nov '26).
The price-to-sales ratio has fallen from 4.4× (Mar '23) to 3.8× (Nov '26).
The dividend yield has risen from 2.2% (Mar '23) to 2.3% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is GABC growing its revenue and profit?

Over the past 5 years, German American Bancorp, Inc.'s revenue has grown 20.6% per year, and net income grown 12.6% per year. These are computed facts, not advice.

How much debt does GABC have?

As of FY2025, German American Bancorp, Inc. reported $100M of total debt against $118M of cash.

What is GABC's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 23.1%.

What is GABC's P/E ratio?

German American Bancorp, Inc.'s P/E (TTM) is 13.13 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the GABC stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 16.6× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.