Free Trial
→ Elon just did WHAT!? (From Brownstone Research) (Ad) Buy GABC Stock  Free GABC Stock Alerts

German American Bancorp (GABC) Financials

German American Bancorp logo
$38.36 -0.15 (-0.39%)
Closing price 04:00 PM Eastern
Extended Trading
$38.36 0.00 (0.00%)
As of 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for German American Bancorp

Annual Income Statements for German American Bancorp

This table shows German American Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 84 86 82 84 62 59 47 41 35 30 28
Consolidated Net Income / (Loss)		 84 86 82 84 62 59 47 41 35 30 28
Net Income / (Loss) Continuing Operations		 84 86 82 84 62 59 47 41 35 30 28
Total Pre-Tax Income 		104 104 99 103 75 71 56 52 49 42 40
Total Revenue		 253 251 260 220 210 191 152 132 127 103 98
Net Interest Income / (Expense)		 191 190 201 161 155 145 115 100 95 76 74
Total Interest Income		 291 257 219 170 174 176 134 111 103 82 80
Loans and Leases Interest Income		 240 213 169 139 152 152 112 92 86 67 66
Investment Securities Interest Income		 43 42 44 31 22 23 21 19 17 15 15
Federal Funds Sold and Securities Borrowed Interest Income		 7.70 1.68 5.77 0.49 0.38 0.52 0.31 0.13 0.07 0.01 0.01
Total Interest Expense		 100 66 18 9.55 19 31 19 11 8.46 6.07 6.05
Deposits Interest Expense		 91 57 14 4.96 14 24 14 7.09 5.19 3.98 4.13
Long-Term Debt Interest Expense		 9.83 9.31 4.83 4.59 5.43 7.44 5.51 4.03 3.27 2.09 1.92
Total Non-Interest Income		 63 60 59 59 54 46 37 32 32 27 24
Other Service Charges		 54 56 5.12 47 38 38 2.79 27 3.70 19 16
Net Realized & Unrealized Capital Gains on Investments		 6.59 2.40 4.38 11 14 5.88 3.71 3.88 5.34 3.68 3.37
Other Non-Interest Income		 2.06 1.73 50 1.53 2.31 2.01 31 1.34 23 0.85 0.83
Provision for Credit Losses		 2.78 2.55 6.35 -6.50 18 5.33 2.07 1.75 1.20 0.00 0.15
Total Non-Interest Expense		 146 144 154 124 117 114 94 78 77 61 58
Salaries and Employee Benefits		 82 83 84 69 68 64 51 47 44 35 33
Net Occupancy & Equipment Expense		 27 26 30 22 21 22 18 14 14 10 11
Marketing Expense		 3.94 4.86 4.42 4.20 3.59 4.23 3.49 3.54 2.66 3.67 1.98
Property & Liability Insurance Claims		 2.91 2.83 1.86 1.42 0.74 0.53 1.03 0.95 1.15 1.14 1.11
Other Operating Expenses		 28 25 30 25 20 20 18 12 14 10 9.94
Amortization Expense		 2.03 2.84 3.71 2.73 3.54 3.72 1.75 0.94 1.06 0.79 1.25
Income Tax Expense		 20 18 17 19 13 12 9.53 12 14 12 12
Basic Earnings per Share		 $2.83 $2.91 $2.78 $3.17 $2.34 $2.29 $1.99 $1.77 $1.57 $1.51 $2.15
Weighted Average Basic Shares Outstanding		 37.42M 29.58M 29.49M 29.42M 26.50M 26.67M 23.38M 22.92M 22.39M 13.26M 13.20M
Diluted Earnings per Share		 $2.83 $2.91 $2.78 $3.17 $2.34 $2.29 $1.99 $1.77 $1.57 $1.51 $2.14
Weighted Average Diluted Shares Outstanding		 37.42M 29.58M 29.49M 29.42M 26.50M 26.67M 23.38M 22.92M 22.39M 13.26M 13.20M
Weighted Average Basic & Diluted Shares Outstanding		 37.42M 29.58M 29.49M 29.42M 26.50M 26.67M 23.38M 22.92M 22.39M 13.26M 13.20M
Cash Dividends to Common per Share		 $1.08 $1.00 $0.92 $0.84 $0.76 $0.68 $0.60 $0.52 $0.48 $0.45 $0.64

Quarterly Income Statements for German American Bancorp

This table shows German American Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 23 21 21 19 22 21 22 21 24 25
Consolidated Net Income / (Loss)		 23 21 21 19 22 21 22 21 24 25
Net Income / (Loss) Continuing Operations		 23 21 21 19 22 21 22 21 24 25
Total Pre-Tax Income 		29 26 27 23 25 26 27 25 30 31
Total Revenue		 65 62 65 61 61 62 63 64 66 66
Net Interest Income / (Expense)		 51 49 46 45 46 48 48 49 52 52
Total Interest Income		 77 75 72 68 67 66 64 60 61 57
Loans and Leases Interest Income		 62 61 59 58 56 55 52 49 47 43
Investment Securities Interest Income		 12 11 9.96 10 10 10 11 11 12 11
Federal Funds Sold and Securities Borrowed Interest Income		 2.79 2.22 2.38 0.30 0.47 0.20 0.66 0.35 2.20 2.05
Total Interest Expense		 26 26 26 23 21 18 15 11 8.48 4.83
Deposits Interest Expense		 23 23 23 21 19 16 13 8.97 7.04 3.60
Long-Term Debt Interest Expense		 2.65 2.68 2.22 2.28 2.39 2.51 1.90 2.51 1.44 1.23
Total Non-Interest Income		 14 14 19 16 16 15 15 15 14 14
Other Service Charges		 13 13 14 15 27 1.27 14 14 -23 1.37
Net Realized & Unrealized Capital Gains on Investments		 0.63 0.77 4.40 0.79 0.53 0.61 0.67 0.59 0.58 0.88
Other Non-Interest Income		 0.62 0.48 0.53 0.44 -12 13 0.43 0.40 36 12
Provision for Credit Losses		 0.63 0.63 0.63 0.90 - 0.90 0.55 1.10 0.50 0.35
Total Non-Interest Expense		 36 36 38 37 36 35 36 38 36 35
Salaries and Employee Benefits		 20 20 21 21 21 20 20 22 21 20
Net Occupancy & Equipment Expense		 7.03 7.04 6.51 6.62 6.35 6.41 6.25 6.58 6.17 6.40
Marketing Expense		 0.95 0.94 0.91 1.14 1.15 1.28 1.26 1.17 1.04 1.22
Property & Liability Insurance Claims		 0.71 0.76 0.71 0.73 0.70 0.70 0.69 0.74 0.44 0.48
Other Operating Expenses		 6.30 7.19 8.06 6.50 5.95 6.00 6.70 6.50 6.21 5.98
Amortization Expense		 0.44 0.48 0.53 0.58 0.64 0.69 0.73 0.79 0.84 0.90
Income Tax Expense		 5.47 4.60 6.07 4.16 3.96 4.59 4.76 4.45 5.52 6.13
Basic Earnings per Share		 $0.79 $0.71 $0.69 $0.64 $0.72 $0.73 $0.75 $0.71 $0.83 $0.83
Weighted Average Basic Shares Outstanding		 37.42M 29.68M 29.68M 29.67M 29.58M 29.58M 29.57M 29.57M 29.49M 29.49M
Diluted Earnings per Share		 $0.79 $0.71 $0.69 $0.64 $0.72 $0.73 $0.75 $0.71 $0.83 $0.83
Weighted Average Diluted Shares Outstanding		 37.42M 29.68M 29.68M 29.67M 29.58M 29.58M 29.57M 29.57M 29.49M 29.49M
Weighted Average Basic & Diluted Shares Outstanding		 37.42M 29.68M 29.68M 29.67M 29.58M 29.58M 29.57M 29.57M 29.49M 29.49M

Annual Cash Flow Statements for German American Bancorp

This table details how cash moves in and out of German American Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 73 -2.05 -278 51 242 7.33 26 5.54 13 9.56 -18
Net Cash From Operating Activities		 96 107 110 101 92 65 62 55 42 31 36
Net Cash From Continuing Operating Activities		 96 107 110 101 92 65 62 55 42 31 36
Net Income / (Loss) Continuing Operations		 84 86 82 84 62 59 47 41 35 30 28
Consolidated Net Income / (Loss)		 84 86 82 84 62 59 47 41 35 30 28
Provision For Loan Losses		 2.78 2.55 6.35 -6.50 18 5.33 2.07 1.75 1.20 0.00 0.15
Depreciation Expense		 9.28 9.56 10 8.77 9.43 8.63 6.18 4.69 4.32 4.26 4.81
Amortization Expense		 2.16 5.57 6.45 6.64 5.67 3.86 3.55 3.54 3.68 2.55 2.03
Non-Cash Adjustments to Reconcile Net Income		 -2.65 3.12 4.76 6.27 -3.95 -15 1.95 8.86 -5.73 -4.45 1.34
Changes in Operating Assets and Liabilities, net		 0.39 0.55 0.53 1.53 1.51 2.89 2.05 -4.64 3.27 -1.16 -0.20
Net Cash From Investing Activities		 -82 27 -24 -640 -346 31 -39 -189 -72 -127 -78
Net Cash From Continuing Investing Activities		 -82 27 -24 -640 -346 31 -39 -189 -72 -127 -78
Purchase of Property, Leasehold Improvements and Equipment		 -5.05 -5.75 -7.85 -4.69 -7.07 -9.37 -15 -11 -5.23 -1.61 -3.05
Acquisitions		 0.00 0.00 - 0.00 - 5.55 - - - - -
Purchase of Investment Securities		 -722 -185 -526 -1,021 -675 -172 -247 -312 -340 -237 -219
Sale of Property, Leasehold Improvements and Equipment		 0.00 3.63 0.00 1.96 3.93 1.76 0.43 0.01 0.00 0.00 0.02
Sale and/or Maturity of Investments		 645 214 302 381 332 204 180 134 274 112 143
Net Cash From Financing Activities		 60 -137 -364 591 496 -89 2.66 140 43 105 24
Net Cash From Continuing Financing Activities		 60 -137 -364 591 496 -89 2.66 140 43 105 24
Net Change in Deposits		 76 -97 -325 655 677 -13 -11 135 118 47 -32
Issuance of Debt		 75 25 0.00 0.00 -115 89 68 75 0.00 111 108
Repayment of Debt		 -59 -35 -12 -43 -41 -147 -40 -58 -65 -44 -43
Payment of Dividends		 -32 -29 -27 -22 -20 -18 -14 -12 -11 -9.01 -8.45
Cash Interest Paid		 99 61 17 10 20 31 18 11 8.35 6.15 6.07
Cash Income Taxes Paid		 18 15 12 14 12 7.98 5.92 12 9.25 9.08 11

Quarterly Cash Flow Statements for German American Bancorp

This table details how cash moves in and out of German American Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -6.76 -134 206 8.14 -15 -8.25 60 -39 -254 -153
Net Cash From Operating Activities		 29 25 19 24 30 24 22 31 28 32
Net Cash From Continuing Operating Activities		 29 25 19 24 30 24 22 31 28 32
Net Income / (Loss) Continuing Operations		 23 21 21 19 22 21 22 21 24 25
Consolidated Net Income / (Loss)		 23 21 21 19 22 21 22 21 24 25
Provision For Loan Losses		 0.63 0.63 0.63 0.90 - 0.90 0.55 1.10 0.50 0.35
Depreciation Expense		 2.32 2.30 2.33 2.34 2.35 2.37 2.41 2.43 2.37 2.49
Amortization Expense		 -0.37 -0.20 1.32 1.40 1.40 1.39 1.37 1.41 1.50 1.61
Non-Cash Adjustments to Reconcile Net Income		 1.90 6.60 -6.00 -5.16 1.29 1.16 -2.02 2.69 1.75 -1.19
Changes in Operating Assets and Liabilities, net		 1.01 -5.86 -0.10 5.35 3.03 -2.85 -2.67 3.03 -2.99 4.31
Net Cash From Investing Activities		 -91 -145 126 28 -62 -40 -15 145 -108 -40
Net Cash From Continuing Investing Activities		 -91 -145 126 28 -62 -40 -15 145 -108 -40
Purchase of Property, Leasehold Improvements and Equipment		 -0.66 -1.48 -1.67 -1.24 -0.25 -1.03 -2.55 -1.92 -1.56 -1.08
Purchase of Investment Securities		 -75 -458 -120 -70 -82 23 -124 -1.97 -192 -42
Sale and/or Maturity of Investments		 -16 314 248 100 16 -62 111 149 85 3.30
Net Cash From Financing Activities		 56 -13 61 -44 17 7.47 54 -215 -173 -145
Net Cash From Continuing Financing Activities		 56 -13 61 -44 17 7.47 54 -215 -173 -145
Net Change in Deposits		 58 -42 94 -34 117 -44 25 -195 -224 -139
Repayment of Debt		 5.86 12 -50 -27 -92 59 11 -13 58 1.02
Payment of Dividends		 -7.96 -7.96 -7.96 -7.96 -7.36 -7.36 -7.36 -7.35 -6.76 -6.76
Cash Interest Paid		 25 27 25 21 20 16 14 10 8.30 4.31
Cash Income Taxes Paid		 -0.05 8.51 9.36 0.00 0.51 5.13 9.74 0.00 3.04 0.30

Annual Balance Sheets for German American Bancorp

This table presents German American Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 6,296 6,152 6,156 5,609 4,978 4,398 3,929 3,144 2,956 2,374 2,237
Cash and Due from Banks		 189 115 117 397 346 104 97 70 65 52 42
Interest Bearing Deposits at Other Banks		 0.50 0.50 0.50 0.75 1.24 1.99 0.25 0.00 - - 0.10
Trading Account Securities		 1,517 1,597 1,762 1,890 1,218 855 813 741 710 638 631
Loans and Leases, Net of Allowance		 4,080 3,927 3,741 2,967 3,045 3,066 2,712 2,126 1,975 1,550 1,433
Loans and Leases		 4,133 3,978 3,789 3,008 3,092 3,082 2,728 2,142 1,990 1,564 1,448
Allowance for Loan and Lease Losses		 44 44 44 37 47 16 16 16 15 14 15
Loans Held for Sale		 8.24 5.23 8.60 11 17 18 4.26 6.72 15 11 6.31
Premises and Equipment, Net		 104 107 112 89 97 97 81 54 48 38 40
Goodwill		 179 180 180 122 122 121 104 54 54 21 21
Intangible Assets		 4.02 6.31 9.43 5.85 8.98 13 9.96 2.10 2.84 1.28 2.07
Other Assets		 214 214 225 127 127 128 109 90 86 63 61
Total Liabilities & Shareholders' Equity		 6,296 6,152 6,156 5,609 4,978 4,398 3,929 3,144 2,956 2,374 2,237
Total Liabilities		 5,581 5,489 5,598 4,940 4,353 3,824 3,470 2,780 2,626 2,121 2,008
Non-Interest Bearing Deposits		 1,399 1,493 1,692 1,529 1,183 833 716 606 572 465 428
Interest Bearing Deposits		 3,930 3,760 3,658 3,215 2,923 2,597 2,357 1,878 1,778 1,361 1,352
Other Short-Term Payables		 42 42 44 44 52 - 21 21 18 22 22
Long-Term Debt		 210 194 204 152 195 350 376 275 258 273 206
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 715 664 558 668 625 574 459 365 330 252 229
Total Preferred & Common Equity		 715 664 558 668 625 574 459 365 330 252 229
Total Common Equity		 715 664 558 668 625 574 459 365 330 252 229
Common Stock		 422 419 417 303 301 306 254 188 187 123 122
Retained Earnings		 514 462 405 350 288 253 211 179 150 125 104
Accumulated Other Comprehensive Income / (Loss)		 -220 -217 -263 15 35 15 -7.10 -2.62 -6.40 3.81 2.89

Quarterly Balance Sheets for German American Bancorp

This table presents German American Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 6,261 6,217 6,112 6,006 6,053 5,997 6,260
Cash and Due from Banks		 196 329 123 132 141 80 373
Interest Bearing Deposits at Other Banks		 0.50 0.50 0.50 0.50 0.50 0.50 0.75
Trading Account Securities		 1,548 1,374 1,539 1,477 1,601 1,670 1,702
Loans and Leases, Net of Allowance		 4,017 3,993 3,928 3,843 3,782 3,725 3,638
Loans and Leases		 4,069 4,044 3,979 3,894 3,830 3,769 3,683
Allowance for Loan and Lease Losses		 44 44 44 45 44 44 45
Loans Held for Sale		 9.17 15 10 7.09 8.24 6.01 10
Premises and Equipment, Net		 105 106 106 111 113 112 111
Goodwill		 179 179 180 180 180 180 180
Intangible Assets		 4.52 5.07 5.67 7.02 7.77 8.57 10
Other Assets		 202 215 218 247 221 3,939 234
Total Liabilities & Shareholders' Equity		 6,261 6,217 6,112 6,006 6,053 5,997 6,260
Total Liabilities		 5,516 5,529 5,457 5,467 5,451 5,392 5,765
Non-Interest Bearing Deposits		 1,406 1,448 1,464 1,502 1,541 1,601 1,755
Interest Bearing Deposits		 3,865 3,865 3,755 3,634 3,639 3,554 3,819
Other Short-Term Payables		 41 49 46 45 44 - -
Long-Term Debt		 204 167 192 286 227 191 146
Total Equity & Noncontrolling Interests		 745 688 655 538 603 605 495
Total Preferred & Common Equity		 745 688 655 538 603 605 495
Total Common Equity		 745 688 655 538 603 605 495
Common Stock		 421 420 420 419 418 417 416
Retained Earnings		 498 485 473 447 433 419 388
Accumulated Other Comprehensive Income / (Loss)		 -175 -218 -237 -328 -249 -230 -309

Annual Metrics And Ratios for German American Bancorp

This table displays calculated financial ratios and metrics derived from German American Bancorp's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.02% -3.47% 17.90% 5.04% 9.96% 25.74% 15.12% 3.82% 23.23% 4.80% 6.67%
EBITDA Growth		 -2.72% 2.62% -2.07% 31.12% 7.66% 27.27% 8.85% 5.81% 17.82% 2.61% 6.86%
EBIT Growth		 0.44% 4.51% -3.51% 36.97% 5.34% 27.08% 7.37% 6.27% 17.90% 3.11% 9.59%
NOPAT Growth		 -2.42% 4.97% -2.75% 35.25% 5.05% 27.28% 14.39% 15.61% 17.03% 6.07% 11.53%
Net Income Growth		 -2.42% 4.97% -2.75% 35.25% 5.05% 27.28% 14.39% 15.61% 17.03% 6.07% 11.53%
EPS Growth		 -2.75% 4.68% -12.30% 35.47% 2.18% 15.08% 12.43% 12.74% 17.03% 6.07% 8.08%
Operating Cash Flow Growth		 -10.70% -2.55% 9.12% 9.12% 41.68% 4.65% 13.59% 30.93% 34.05% -14.26% -12.49%
Free Cash Flow Firm Growth		 271.22% -106.71% 69.54% -50.30% 669.45% 80.34% -1,286.14% 61.02% 54.67% 7.55% -314.79%
Invested Capital Growth		 7.90% 12.50% -7.12% 0.17% -11.29% 10.59% 30.52% 8.74% 11.93% 20.88% 27.58%
Revenue Q/Q Growth		 1.58% -1.90% 4.15% -0.51% 3.56% -0.11% 22.97% -8.19% 6.18% 1.09% 0.21%
EBITDA Q/Q Growth		 1.24% -3.72% 6.99% -2.69% 9.77% -1.01% 41.65% -17.40% 6.29% -0.25% 3.12%
EBIT Q/Q Growth		 3.19% -4.13% 8.19% -2.94% 10.85% -1.83% 49.97% -19.99% 7.06% -0.23% 3.60%
NOPAT Q/Q Growth		 2.08% -3.27% 6.71% -1.89% 8.87% 8.90% -1.36% 3.98% 7.17% 0.23% 3.87%
Net Income Q/Q Growth		 2.08% -3.27% 6.71% -1.89% 8.87% 8.90% -1.36% 3.98% 7.17% 0.23% 3.87%
EPS Q/Q Growth		 2.54% -3.64% 4.12% -1.86% 8.84% 11.17% 37.24% -19.91% 7.17% 0.23% 3.38%
Operating Cash Flow Q/Q Growth		 -0.91% 1.93% 0.58% -8.47% 22.22% -0.66% 16.47% 3.67% 20.05% -24.35% 11.65%
Free Cash Flow Firm Q/Q Growth		 138.33% 90.10% -48.52% 22.11% 40.81% 76.05% -344.96% -129.27% 72.70% -116.26% -169.55%
Invested Capital Q/Q Growth		 -2.48% 3.99% 18.96% -1.90% 0.09% 4.99% 18.76% 2.77% -5.12% 8.07% 1.53%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 45.62% 47.38% 44.57% 53.65% 42.98% 43.90% 43.37% 45.87% 45.01% 47.07% 48.08%
EBIT Margin		 41.11% 41.34% 38.19% 46.66% 35.78% 37.35% 36.96% 39.62% 38.71% 40.46% 41.12%
Profit (Net Income) Margin		 33.09% 34.26% 31.51% 38.19% 29.66% 31.05% 30.68% 30.87% 27.72% 29.19% 28.84%
Tax Burden Percent		 80.51% 82.87% 82.50% 81.86% 82.90% 83.13% 83.00% 77.91% 71.61% 72.15% 70.14%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.49% 17.13% 17.50% 18.14% 17.10% 16.87% 17.00% 22.09% 28.39% 27.85% 29.86%
Return on Invested Capital (ROIC)		 9.40% 10.61% 10.34% 10.26% 7.14% 6.74% 6.31% 6.62% 6.32% 6.26% 7.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.40% 10.61% 10.34% 10.26% 7.14% 6.74% 6.31% 6.62% 6.32% 6.26% 7.31%
Return on Net Nonoperating Assets (RNNOA)		 2.76% 3.45% 3.00% 2.75% 3.24% 4.74% 4.99% 5.08% 5.76% 6.24% 5.91%
Return on Equity (ROE)		 12.16% 14.06% 13.34% 13.01% 10.38% 11.47% 11.30% 11.71% 12.08% 12.50% 13.22%
Cash Return on Invested Capital (CROIC)		 1.81% -1.16% 17.72% 10.09% 19.11% -3.32% -20.17% -1.75% -4.94% -12.64% -16.93%
Operating Return on Assets (OROA)		 1.67% 1.68% 1.69% 1.94% 1.60% 1.71% 1.59% 1.71% 1.84% 1.81% 1.84%
Return on Assets (ROA)		 1.35% 1.40% 1.39% 1.59% 1.33% 1.42% 1.32% 1.33% 1.32% 1.30% 1.29%
Return on Common Equity (ROCE)		 12.16% 14.06% 13.34% 13.01% 10.38% 11.47% 11.30% 11.71% 12.08% 12.50% 13.22%
Return on Equity Simple (ROE_SIMPLE)		 11.72% 12.94% 14.65% 12.59% 9.96% 10.32% 10.15% 11.16% 10.65% 11.91% 12.39%
Net Operating Profit after Tax (NOPAT)		 84 86 82 84 62 59 47 41 35 30 28
NOPAT Margin		 33.09% 34.26% 31.51% 38.19% 29.66% 31.05% 30.68% 30.87% 27.72% 29.19% 28.84%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.77% 45.35% 45.78% 43.22% 44.16% 47.09% 47.88% 48.34% 47.95% 47.64% 46.21%
Operating Expenses to Revenue		 57.80% 57.64% 59.37% 56.29% 55.85% 59.86% 61.68% 59.05% 60.34% 59.54% 58.73%
Earnings before Interest and Taxes (EBIT)		 104 104 99 103 75 71 56 52 49 42 40
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 116 119 116 118 90 84 66 60 57 48 47
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.66 1.39 1.84 1.43 1.27 1.46 1.30 1.88 2.03 1.43 1.41
Price to Tangible Book Value (P/TBV)		 2.23 1.94 2.78 1.76 1.60 1.90 1.73 2.22 2.45 1.57 1.56
Price to Revenue (P/Rev)		 4.68 3.68 3.95 4.33 3.77 4.38 3.94 5.20 5.27 3.50 3.27
Price to Earnings (P/E)		 14.14 10.75 12.53 11.34 12.72 14.12 12.83 16.86 19.01 12.01 11.34
Dividend Yield		 2.70% 3.20% 2.65% 2.34% 2.54% 2.17% 2.51% 1.73% 1.64% 2.50% 2.63%
Earnings Yield		 7.07% 9.30% 7.98% 8.82% 7.86% 7.08% 7.79% 5.93% 5.26% 8.33% 8.82%
Enterprise Value to Invested Capital (EV/IC)		 1.30 1.17 1.46 0.86 0.78 1.17 1.05 1.39 1.47 1.11 1.12
Enterprise Value to Revenue (EV/Rev)		 4.76 3.99 4.28 3.22 3.05 5.66 5.78 6.76 6.79 5.65 4.94
Enterprise Value to EBITDA (EV/EBITDA)		 10.44 8.43 9.60 6.00 7.09 12.90 13.32 14.73 15.10 12.01 10.27
Enterprise Value to EBIT (EV/EBIT)		 11.58 9.66 11.21 6.90 8.52 15.16 15.64 17.06 17.55 13.97 12.00
Enterprise Value to NOPAT (EV/NOPAT)		 14.39 11.66 13.58 8.43 10.27 18.23 18.84 21.89 24.51 19.37 17.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.59 9.34 10.10 7.03 6.92 16.56 14.06 16.23 20.57 18.62 13.30
Enterprise Value to Free Cash Flow (EV/FCFF)		 74.86 0.00 7.92 8.57 3.84 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.29 0.29 0.37 0.23 0.31 0.61 0.82 0.75 0.78 1.08 0.90
Long-Term Debt to Equity		 0.29 0.29 0.37 0.23 0.31 0.61 0.82 0.75 0.78 1.08 0.90
Financial Leverage		 0.29 0.33 0.29 0.27 0.45 0.70 0.79 0.77 0.91 1.00 0.81
Leverage Ratio		 9.03 10.07 9.59 8.19 7.82 8.07 8.59 8.78 9.15 9.58 10.26
Compound Leverage Factor		 9.03 10.07 9.59 8.19 7.82 8.07 8.59 8.78 9.15 9.58 10.26
Debt to Total Capital		 22.71% 22.62% 26.74% 18.54% 23.75% 37.87% 45.08% 43.02% 43.87% 52.00% 47.38%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 22.71% 22.62% 26.74% 18.54% 23.75% 37.87% 45.08% 43.02% 43.87% 52.00% 47.38%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.29% 77.38% 73.26% 81.46% 76.25% 62.14% 54.92% 56.98% 56.13% 48.00% 52.62%
Debt to EBITDA		 1.82 1.63 1.76 1.29 2.16 4.18 5.72 4.55 4.52 5.64 4.36
Net Debt to EBITDA		 0.18 0.66 0.74 -2.08 -1.69 2.91 4.25 3.39 3.38 4.56 3.46
Long-Term Debt to EBITDA		 1.82 1.63 1.76 1.29 2.16 4.18 5.72 4.55 4.52 5.64 4.36
Debt to NOPAT		 2.51 2.26 2.49 1.81 3.13 5.90 8.09 6.77 7.34 9.09 7.27
Net Debt to NOPAT		 0.25 0.91 1.05 -2.92 -2.45 4.12 6.01 5.04 5.49 7.36 5.77
Long-Term Debt to NOPAT		 2.51 2.26 2.49 1.81 3.13 5.90 8.09 6.77 7.34 9.09 7.27
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 16 -9.41 140 83 166 -29 -149 -11 -28 -61 -66
Operating Cash Flow to CapEx		 1,897.44% 5,062.98% 1,401.38% 3,703.42% 2,940.44% 856.81% 422.50% 490.96% 800.78% 1,937.24% 1,203.56%
Free Cash Flow to Firm to Interest Expense		 0.16 -0.14 7.65 8.66 8.70 -0.94 -7.77 -0.96 -3.25 -10.01 -10.86
Operating Cash Flow to Interest Expense		 0.95 1.62 6.00 10.56 4.83 2.09 3.26 4.93 4.95 5.15 6.03
Operating Cash Flow Less CapEx to Interest Expense		 0.90 1.59 5.57 10.28 4.67 1.84 2.49 3.93 4.34 4.89 5.53
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.05 0.04 0.04
Fixed Asset Turnover		 2.40 2.29 2.58 2.38 2.17 2.15 2.25 2.57 2.95 2.65 2.45
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 925 857 762 821 819 924 835 640 588 526 435
Invested Capital Turnover		 0.28 0.31 0.33 0.27 0.24 0.22 0.21 0.21 0.23 0.21 0.25
Increase / (Decrease) in Invested Capital		 68 95 -58 1.40 -104 88 195 51 63 91 94
Enterprise Value (EV)		 1,206 1,001 1,111 709 639 1,080 877 891 862 582 485
Market Capitalization		 1,185 923 1,026 954 792 836 597 686 669 361 322
Book Value per Share		 $24.09 $22.44 $18.94 $25.18 $23.58 $21.52 $18.38 $15.90 $21.65 $19.01 $17.32
Tangible Book Value per Share		 $17.93 $16.12 $12.50 $20.37 $18.64 $16.50 $13.82 $13.45 $17.92 $17.36 $15.61
Total Capital		 925 857 762 821 819 924 835 640 588 526 435
Total Debt		 210 194 204 152 195 350 376 275 258 273 206
Total Long-Term Debt		 210 194 204 152 195 350 376 275 258 273 206
Net Debt		 21 78 86 -245 -152 244 280 205 193 221 164
Capital Expenditures (CapEx)		 5.05 2.12 7.85 2.72 3.14 7.61 15 11 5.23 1.61 3.03
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 210 194 204 152 195 350 376 275 258 273 206
Total Depreciation and Amortization (D&A)		 11 15 17 15 15 12 9.73 8.23 7.99 6.81 6.84
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.83 $2.91 $2.78 $3.17 $2.34 $2.29 $1.99 $1.77 $1.57 $1.51 $1.43
Adjusted Weighted Average Basic Shares Outstanding		 37.42M 29.58M 29.49M 29.42M 26.50M 26.67M 24.97M 22.93M 22.89M 22.83M 19.82M
Adjusted Diluted Earnings per Share		 $2.83 $2.91 $2.78 $3.17 $2.34 $2.29 $1.99 $1.77 $1.57 $1.51 $1.43
Adjusted Weighted Average Diluted Shares Outstanding		 37.42M 29.58M 29.49M 29.42M 26.50M 26.67M 24.97M 22.93M 22.89M 22.83M 19.82M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $2.29 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.42M 29.58M 29.49M 29.42M 26.50M 26.67M 24.97M 22.93M 22.89M 22.83M 19.82M
Normalized Net Operating Profit after Tax (NOPAT)		 84 86 82 84 62 59 47 41 35 30 28
Normalized NOPAT Margin		 33.09% 34.26% 31.51% 38.19% 29.66% 31.05% 30.68% 30.87% 27.72% 29.19% 28.84%
Pre Tax Income Margin		 41.11% 41.34% 38.19% 46.66% 35.78% 37.35% 36.96% 39.62% 38.71% 40.46% 41.12%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.04 1.57 5.41 10.76 3.92 2.28 2.93 4.69 5.81 6.87 6.68
NOPAT to Interest Expense		 0.83 1.30 4.46 8.81 3.25 1.90 2.43 3.66 4.16 4.95 4.69
EBIT Less CapEx to Interest Expense		 0.99 1.53 4.98 10.48 3.76 2.04 2.16 3.69 5.19 6.60 6.18
NOPAT Less CapEx to Interest Expense		 0.78 1.27 4.03 8.53 3.09 1.65 1.66 2.65 3.54 4.69 4.19
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 38.00% 34.27% 33.02% 26.41% 32.37% 29.64% 30.25% 29.11% 30.21% 29.97% 29.81%
Augmented Payout Ratio		 38.00% 34.27% 33.02% 26.41% 32.37% 29.64% 30.25% 29.18% 30.21% 29.97% 29.81%

Quarterly Metrics And Ratios for German American Bancorp

This table displays calculated financial ratios and metrics derived from German American Bancorp's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.45% 0.05% 2.76% -4.94% -7.34% -5.22% -2.51% 1.39% 18.58% 15.75%
EBITDA Growth		 4.84% -6.89% -1.37% -7.48% -13.57% -14.46% -7.03% 105.99% 28.82% 15.21%
EBIT Growth		 12.62% -1.53% -1.05% -8.24% -14.93% -15.25% -6.60% 159.45% 33.45% 16.40%
NOPAT Growth		 7.92% -1.88% -7.20% -8.58% -11.91% -12.79% -6.84% 129.48% 26.69% 14.47%
Net Income Growth		 7.92% -1.88% -7.20% -8.58% -11.91% -12.79% -6.84% 129.48% 26.69% 14.47%
EPS Growth		 9.72% -2.74% -8.00% -9.86% -13.25% -12.05% -7.41% 129.03% 15.28% 2.47%
Operating Cash Flow Growth		 -2.99% 0.38% -14.08% -24.19% 7.38% -24.11% 437.12% -31.99% 2.35% 12.85%
Free Cash Flow Firm Growth		 39.70% 36.53% 95.61% -207.01% -189.05% -173.69% -155.75% 654.73% 363.72% 6,228.11%
Invested Capital Growth		 7.90% 15.05% 2.94% 6.36% 12.50% 28.70% 15.39% -1.09% -7.12% -23.41%
Revenue Q/Q Growth		 4.41% -3.85% 6.71% -0.63% -1.86% -1.25% -1.28% -3.14% 0.39% 1.57%
EBITDA Q/Q Growth		 10.41% -8.26% 12.34% -7.87% -1.94% -2.82% 5.38% -13.93% -2.95% 5.63%
EBIT Q/Q Growth		 11.85% -3.58% 14.74% -8.99% -2.21% -3.11% 6.41% -15.62% -2.58% 6.79%
NOPAT Q/Q Growth		 10.28% 2.52% 7.93% -11.55% 0.26% -3.04% 6.32% -14.78% -0.74% 3.58%
Net Income Q/Q Growth		 10.28% 2.52% 7.93% -11.55% 0.26% -3.04% 6.32% -14.78% -0.74% 3.58%
EPS Q/Q Growth		 11.27% 2.90% 7.81% -11.11% -1.37% -2.67% 5.63% -14.46% 0.00% 2.47%
Operating Cash Flow Q/Q Growth		 17.07% 31.00% -21.57% -19.35% 21.14% 12.13% -30.80% 14.24% -14.38% 693.56%
Free Cash Flow Firm Q/Q Growth		 56.84% -2,552.68% 87.73% 57.10% 54.57% -83.29% -399.53% -64.30% -62.41% 38.68%
Invested Capital Q/Q Growth		 -2.48% 11.03% 0.87% -1.22% 3.99% -0.66% 4.23% 4.48% 18.96% -10.93%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 47.02% 44.46% 46.60% 44.26% 47.74% 47.78% 48.55% 45.48% 51.18% 52.94%
EBIT Margin		 44.03% 41.10% 40.98% 38.11% 41.61% 41.76% 42.56% 39.48% 45.32% 46.70%
Profit (Net Income) Margin		 35.63% 33.73% 31.64% 31.28% 35.14% 34.40% 35.03% 32.52% 36.97% 37.38%
Tax Burden Percent		 80.93% 82.08% 77.20% 82.07% 84.45% 82.37% 82.31% 82.37% 81.56% 80.04%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.07% 17.92% 22.81% 17.93% 15.55% 17.63% 17.69% 17.63% 18.44% 19.96%
Return on Invested Capital (ROIC)		 10.12% 9.49% 9.36% 9.42% 10.88% 12.00% 11.71% 10.58% 12.13% 12.62%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.12% 9.49% 9.36% 9.42% 10.88% 12.00% 11.71% 10.58% 12.13% 12.62%
Return on Net Nonoperating Assets (RNNOA)		 2.97% 3.63% 2.86% 2.86% 3.54% 5.02% 3.70% 2.93% 3.52% 3.66%
Return on Equity (ROE)		 13.09% 13.11% 12.22% 12.28% 14.42% 17.02% 15.42% 13.51% 15.65% 16.29%
Cash Return on Invested Capital (CROIC)		 1.81% -4.74% 6.90% 4.07% -1.16% -12.98% -2.43% 12.78% 17.72% 36.89%
Operating Return on Assets (OROA)		 1.79% 1.67% 1.67% 1.56% 1.70% 1.74% 1.76% 1.62% 2.00% 1.98%
Return on Assets (ROA)		 1.45% 1.37% 1.29% 1.28% 1.43% 1.43% 1.45% 1.34% 1.63% 1.59%
Return on Common Equity (ROCE)		 13.09% 13.11% 12.22% 12.28% 14.42% 17.02% 15.42% 13.51% 15.65% 16.29%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 11.03% 12.00% 12.84% 0.00% 16.49% 15.26% 15.46% 0.00% 15.50%
Net Operating Profit after Tax (NOPAT)		 23 21 21 19 22 21 22 21 24 25
NOPAT Margin		 35.63% 33.73% 31.64% 31.28% 35.14% 34.40% 35.03% 32.52% 36.97% 37.38%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.57% 44.39% 43.72% 47.57% 46.48% 44.95% 43.72% 46.25% 42.58% 41.59%
Operating Expenses to Revenue		 55.01% 57.90% 58.05% 60.41% 58.39% 56.80% 56.57% 58.80% 53.92% 52.76%
Earnings before Interest and Taxes (EBIT)		 29 26 27 23 25 26 27 25 30 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 31 28 30 27 29 30 31 29 34 35
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.66 1.54 1.51 1.54 1.39 1.43 1.28 1.55 1.84 2.00
Price to Tangible Book Value (P/TBV)		 2.23 2.04 2.07 2.15 1.94 2.19 1.86 2.25 2.78 3.25
Price to Revenue (P/Rev)		 4.68 4.59 4.18 4.07 3.68 3.01 2.98 3.59 3.95 3.97
Price to Earnings (P/E)		 14.14 13.92 12.62 11.99 10.75 8.68 8.39 10.00 12.53 12.90
Dividend Yield		 2.70% 2.75% 2.96% 2.99% 3.20% 3.76% 3.68% 2.96% 2.65% 2.68%
Earnings Yield		 7.07% 7.18% 7.92% 8.34% 9.30% 11.53% 11.92% 10.00% 7.98% 7.75%
Enterprise Value to Invested Capital (EV/IC)		 1.30 1.21 1.03 1.27 1.17 1.12 1.03 1.31 1.46 1.19
Enterprise Value to Revenue (EV/Rev)		 4.76 4.62 3.52 4.35 3.99 3.61 3.31 4.01 4.28 3.05
Enterprise Value to EBITDA (EV/EBITDA)		 10.44 10.09 7.56 9.23 8.43 7.49 6.68 8.00 9.60 7.04
Enterprise Value to EBIT (EV/EBIT)		 11.58 11.41 8.67 10.60 9.66 8.54 7.60 9.12 11.21 8.30
Enterprise Value to NOPAT (EV/NOPAT)		 14.39 14.02 10.64 12.80 11.66 10.40 9.33 11.18 13.58 9.93
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.59 11.91 9.09 10.81 9.34 8.78 7.59 10.98 10.10 6.96
Enterprise Value to Free Cash Flow (EV/FCFF)		 74.86 0.00 15.11 32.21 0.00 0.00 0.00 10.22 7.92 2.79
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.29 0.27 0.24 0.29 0.29 0.53 0.38 0.32 0.37 0.30
Long-Term Debt to Equity		 0.29 0.27 0.24 0.29 0.29 0.53 0.38 0.32 0.37 0.30
Financial Leverage		 0.29 0.38 0.31 0.30 0.33 0.42 0.32 0.28 0.29 0.29
Leverage Ratio		 9.03 9.56 9.51 9.61 10.07 11.87 10.64 10.12 9.59 10.25
Compound Leverage Factor		 9.03 9.56 9.51 9.61 10.07 11.87 10.64 10.12 9.59 10.25
Debt to Total Capital		 22.71% 21.52% 19.50% 22.64% 22.62% 34.71% 27.41% 23.99% 26.74% 22.79%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 22.71% 21.52% 19.50% 22.64% 22.62% 34.71% 27.41% 23.99% 26.74% 22.79%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.29% 78.48% 80.50% 77.36% 77.38% 65.29% 72.59% 76.01% 73.26% 77.21%
Debt to EBITDA		 1.82 1.79 1.43 1.65 1.63 2.32 1.77 1.46 1.76 1.35
Net Debt to EBITDA		 0.18 0.07 -1.40 0.58 0.66 1.24 0.67 0.84 0.74 -2.11
Long-Term Debt to EBITDA		 1.82 1.79 1.43 1.65 1.63 2.32 1.77 1.46 1.76 1.35
Debt to NOPAT		 2.51 2.49 2.02 2.28 2.26 3.22 2.47 2.04 2.49 1.90
Net Debt to NOPAT		 0.25 0.10 -1.98 0.81 0.91 1.73 0.94 1.18 1.05 -2.97
Long-Term Debt to NOPAT		 2.51 2.49 2.02 2.28 2.26 3.22 2.47 2.04 2.49 1.90
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -44 -103 -3.89 -32 -74 -162 -89 30 83 220
Operating Cash Flow to CapEx		 4,373.93% 1,653.78% 1,119.63% 1,926.74% 11,926.21% 2,363.60% 854.59% 1,642.28% 1,761.13% 2,987.09%
Free Cash Flow to Firm to Interest Expense		 -1.74 -3.96 -0.15 -1.36 -3.45 -8.98 -5.81 2.58 9.77 45.67
Operating Cash Flow to Interest Expense		 1.12 0.94 0.73 1.03 1.38 1.35 1.43 2.74 3.25 6.67
Operating Cash Flow Less CapEx to Interest Expense		 1.10 0.88 0.67 0.97 1.37 1.29 1.26 2.57 3.06 6.44
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.40 2.30 2.28 2.27 2.29 2.30 2.31 2.33 2.58 2.48
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 925 949 854 847 857 825 830 796 762 641
Invested Capital Turnover		 0.28 0.28 0.30 0.30 0.31 0.35 0.33 0.33 0.33 0.34
Increase / (Decrease) in Invested Capital		 68 124 24 51 95 184 111 -8.78 -58 -196
Enterprise Value (EV)		 1,206 1,151 878 1,076 1,001 924 858 1,046 1,111 761
Market Capitalization		 1,185 1,143 1,041 1,009 923 770 771 936 1,026 989
Book Value per Share		 $24.09 $25.09 $23.19 $22.09 $22.44 $18.21 $20.38 $20.52 $18.94 $16.78
Tangible Book Value per Share		 $17.93 $18.90 $16.98 $15.82 $16.12 $11.87 $14.01 $14.12 $12.50 $10.31
Total Capital		 925 949 854 847 857 825 830 796 762 641
Total Debt		 210 204 167 192 194 286 227 191 204 146
Total Long-Term Debt		 210 204 167 192 194 286 227 191 204 146
Net Debt		 21 8.10 -163 68 78 153 86 110 86 -228
Capital Expenditures (CapEx)		 0.66 1.48 1.67 1.24 0.25 1.03 2.55 1.92 1.56 1.08
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 210 204 167 192 194 286 227 191 204 146
Total Depreciation and Amortization (D&A)		 1.95 2.10 3.65 3.74 3.75 3.76 3.78 3.84 3.87 4.11
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.79 $0.71 $0.69 $0.64 $0.72 $0.73 $0.75 $0.71 $0.83 $0.83
Adjusted Weighted Average Basic Shares Outstanding		 37.42M 29.68M 29.68M 29.67M 29.58M 29.58M 29.57M 29.57M 29.49M 29.49M
Adjusted Diluted Earnings per Share		 $0.79 $0.71 $0.69 $0.64 $0.72 $0.73 $0.75 $0.71 $0.83 $0.83
Adjusted Weighted Average Diluted Shares Outstanding		 37.42M 29.68M 29.68M 29.67M 29.58M 29.58M 29.57M 29.57M 29.49M 29.49M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.42M 29.68M 29.68M 29.67M 29.58M 29.58M 29.57M 29.57M 29.49M 29.49M
Normalized Net Operating Profit after Tax (NOPAT)		 23 21 21 19 22 21 22 21 24 25
Normalized NOPAT Margin		 35.63% 33.73% 31.64% 31.28% 35.14% 34.40% 35.03% 32.52% 36.97% 37.38%
Pre Tax Income Margin		 44.03% 41.10% 40.98% 38.11% 41.61% 41.76% 42.56% 39.48% 45.32% 46.70%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 1.12 0.98 1.04 1.00 1.19 1.44 1.76 2.20 3.53 6.37
NOPAT to Interest Expense		 0.91 0.81 0.80 0.82 1.00 1.19 1.45 1.81 2.88 5.10
EBIT Less CapEx to Interest Expense		 1.10 0.93 0.97 0.94 1.18 1.38 1.59 2.03 3.35 6.14
NOPAT Less CapEx to Interest Expense		 0.88 0.75 0.74 0.76 0.99 1.13 1.28 1.65 2.69 4.87
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 38.00% 38.05% 37.13% 35.71% 34.27% 32.47% 30.70% 29.52% 33.02% 33.67%
Augmented Payout Ratio		 38.00% 38.05% 37.13% 35.71% 34.27% 32.47% 30.70% 29.52% 33.02% 33.67%

Frequently Asked Questions About German American Bancorp's Financials

When does German American Bancorp's fiscal year end?

According to the most recent income statement we have on file, German American Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has German American Bancorp's net income changed over the last 10 years?

German American Bancorp's net income appears to be on an upward trend, with a most recent value of $83.81 million in 2024, rising from $28.34 million in 2014. The previous period was $85.89 million in 2023. Find out what analysts predict for German American Bancorp in the coming months.

How has German American Bancorp revenue changed over the last 10 years?

Over the last 10 years, German American Bancorp's total revenue changed from $98.28 million in 2014 to $253.25 million in 2024, a change of 157.7%.

How much debt does German American Bancorp have?

German American Bancorp's total liabilities were at $5.58 billion at the end of 2024, a 1.7% increase from 2023, and a 177.9% increase since 2014.

How much cash does German American Bancorp have?

In the past 10 years, German American Bancorp's cash and equivalents has ranged from $42.45 million in 2014 to $396.89 million in 2021, and is currently $188.79 million as of their latest financial filing in 2024.

How has German American Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, German American Bancorp's book value per share changed from 17.32 in 2014 to 24.09 in 2024, a change of 39.1%.


Related Companies

This page (NASDAQ:GABC) was last updated on 5/29/2025 by MarketBeat.com Staff
From Our Partners
Market Panic: Trump Just Dropped a Bomb on Your Stocks
tock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...
American Alternative | Sponsored
White House to reset Social Security?
Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...
Altimetry | Sponsored
Is President Trump Lying To You With This?
President Trump’s economic transition isn’t without hardship. But what if there were a smart, tax-free way to ...
Colonial Metals | Sponsored
A grave, grave error.
I thought what happened 25 years ago was a once- in-a-lifetime event… but how wrong I was. Because here we...
Porter & Company | Sponsored
Buffett’s favorite chart just hit 209% – here’s what that means for gold
A Historic Gold Announcement Is About to Rock Wall Street For months, sharp-eyed analysts have watched the ...
Golden Portfolio | Sponsored
Trump Exec Order 14179 is wealth “gift” to good Americans?
Is President Trump’s Executive Order 14179… A secret way to restore wealth for good citizens? If you’ve ...
Paradigm Press | Sponsored
As Bitcoin supply vanishes, this Trump-aligned token could explode
Bitcoin's supply is being drained at unprecedented rates, but while most investors focus solely on Bitcoin, th...
Crypto 101 Media | Sponsored
Here’s How to Claim Your Stake in Elon’s Private Company, xAI
Even though xAI is a private company, tech legend and angel investor Jeff Brown found a way for everyday folks...
Brownstone Research | Sponsored