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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 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
$0 $244M $487M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 15% 29% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $77M $154M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $198M $395M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$640M -$25M $591M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $487M $113M 0.0% 0.0% $154M $100M $118M
2024 $354M $84M 0.0% 0.0% $91M $115M $189M
2023 $317M $86M 0.0% 0.0% $101M $90M $115M
2022 $278M $82M 0.0% 0.0% $102M $64M $117M
2021 — $84M — — $96M $152M $395M
2020 — $62M — — $85M $195M $344M
2019 — $59M — — $56M $350M $104M
2018 — $47M — — $47M $376M $97M
2017 — $41M — — $44M $275M $70M
2016 — $35M — — — $258M —
2015 — $30M — — — $273M —
2014 — $28M — — — $206M —
2013 — $25M — — — $141M —
2012 — $24M — — $38M $161M —
2011 — $20M — — $23M $131M —

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.

Price / earnings (P/E)
0.0 9.8 19.7 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 2.7 5.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 1.5 2.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
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?

As of Jun '26, German American Bancorp, Inc. traded at a price-to-earnings ratio of about 15.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. 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), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.