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Friday 6 November 2026
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German American Bancorp, Inc.
GABC Financial Banks Regional
German American Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $487.4 million, up 37.8% from fiscal 2024.
- Revenue
- +2.38%
- EPS
- +9.57%
- Free cash flow
- +110.4%
- Total debt
- +27.1%
Quarter to September 2026, against a year earlier
50.08
0.48
−0.95%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
22.34 | 19.64 | 14.03 | 15.55 | 14.08 | 12.26 | 13.26 | 11.19 | 14.26 | 12.93 |
Piotroski F-Score |
6 | 6 | 5 | 7 | 5 | 7 | 5 | 7 | 5 | 8 |
P/S ratio |
5.76 | 5.60 | 3.80 | 4.14 | 3.84 | 4.50 | 3.91 | 3.05 | 3.37 | 2.96 |
P/FCF ratio |
21.27 | 18.31 | 13.65 | 15.97 | 9.84 | 10.54 | 10.63 | 9.19 | 13.15 | 9.36 |
P/Operating CF |
85.60 | 72.36 | 32.67 | 47.32 | 24.23 | 38.44 | 39.43 | 32.65 | 41.57 | 33.79 |
P/B ratio |
2.36 | 2.19 | 1.42 | 1.60 | 1.41 | 1.55 | 1.95 | 1.46 | 1.67 | 1.24 |
Price to Tangible BV |
2.85 | 2.59 | 1.88 | 2.09 | 1.78 | 1.91 | 2.95 | 2.02 | 2.24 | 1.91 |
EV/Sales |
7.19 | 7.03 | 5.44 | 5.24 | 3.17 | 3.43 | 4.22 | 3.29 | 3.43 | 3.09 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
23.23 | 18.31 | 14.90 | 17.84 | 7.85 | 7.82 | 10.65 | 9.73 | 12.67 | 9.45 |
EV/FCF |
26.54 | 23.00 | 19.52 | 20.20 | 8.13 | 8.04 | 11.47 | 9.93 | 13.38 | 9.77 |
Quick Ratio |
0.03 | 0.03 | 0.03 | 0.03 | 0.08 | 0.08 | 0.02 | 0.02 | 0.04 | 0.02 |
Current Ratio |
0.88 | 0.89 | 0.92 | 0.93 | 0.83 | 0.71 | 0.74 | 0.79 | 0.82 | 0.86 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
8.73% | 8.75% | 9.58% | 7.95% | 3.91% | 2.71% | 3.31% | 3.15% | 3.34% | 2.18% |
Debt/Equity |
0.78 | 0.75 | 0.82 | 0.61 | 0.31 | 0.23 | 0.37 | 0.29 | 0.29 | 0.16 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.06 | 0.07 |
Operating CF/Net income |
1.19 | 1.35 | 1.34 | 1.10 | 1.49 | 1.20 | 1.34 | 1.25 | 1.14 | 1.41 |
Capex/Depreciation |
(0.66) | (1.36) | (1.52) | (0.61) | (0.21) | (0.18) | (0.47) | (0.14) | (0.44) | (0.31) |
| 12.08% | 11.71% | 11.30% | 11.47% | 10.38% | 13.01% | 13.34% | 14.06% | 12.16% | 12.00% | |
| 1.32% | 1.33% | 1.32% | 1.42% | 1.33% | 1.59% | 1.39% | 1.40% | 1.35% | 1.53% | |
ROIC |
5.86% | 5.73% | 4.75% | 5.45% | 9.93% | 15.19% | 9.62% | 8.73% | 8.84% | 7.14% |
Return on Tangible Assets |
(14.77%) | (18.76%) | (28.24%) | (39.77%) | (10.15%) | (6.57%) | (6.35%) | (8.36%) | (9.56%) | (13.26%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
56.67% | 55.02% | 54.95% | 52.15% | 57.30% | 49.94% | 56.40% | 45.50% | 41.59% | 43.34% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.05 |
Share Based Compensation of Revenue |
1.04% | 0.87% | 0.79% | 0.58% | 0.46% | 0.75% | 0.84% | 0.74% | 0.83% | 0.59% |
Graham Net Nets |
(0.70) | (0.68) | (0.96) | (0.65) | (1.03) | (1.47) | (1.48) | (1.37) | (1.00) | (0.81) |
Graham Number |
22.76 | 25.22 | 29.56 | 33.84 | 35.28 | 42.45 | 34.43 | 38.40 | 39.11 | 46.41 |
Earnings Yield |
4.48% | 5.09% | 7.13% | 6.43% | 7.10% | 8.16% | 7.54% | 8.94% | 7.01% | 7.73% |
Free Cash Flow Yield |
4.70% | 5.46% | 7.33% | 6.26% | 10.17% | 9.49% | 9.41% | 10.89% | 7.61% | 10.69% |
Revenue per Share |
6.05 | 6.23 | 7.31 | 8.60 | 8.62 | 8.66 | 9.44 | 10.72 | 11.93 | 13.25 |
Operating CF per Share |
1.87 | 2.39 | 2.67 | 2.53 | 3.48 | 3.80 | 3.73 | 3.63 | 3.23 | 4.33 |
Capex per Share |
(0.23) | (0.49) | (0.63) | (0.29) | (0.12) | (0.10) | (0.27) | (0.07) | (0.17) | (0.14) |
Free Cash Flow per Share |
1.64 | 1.91 | 2.03 | 2.23 | 3.36 | 3.70 | 3.47 | 3.56 | 3.06 | 4.19 |
Cash per Share |
2.90 | 3.07 | 4.14 | 4.10 | 13.07 | 14.98 | 4.00 | 3.92 | 6.38 | 3.23 |
Shareholders Equity per Share |
14.75 | 15.90 | 19.62 | 22.22 | 23.54 | 25.19 | 18.95 | 22.45 | 24.11 | 31.59 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.75 | 15.90 | 19.62 | 22.22 | 23.54 | 25.19 | 18.95 | 22.45 | 24.11 | 31.59 |
Free Cash Flow |
36.68 | 43.70 | 47.58 | 57.62 | 89.28 | 98.12 | 102.18 | 105.12 | 90.72 | 154.08 |
Working Capital |
(286.46) | (271.10) | (245.42) | (245.56) | (709.24) | (1,368.91) | (1,400.88) | (1,133.66) | (980.66) | (988.34) |
Capital Expenditures |
(5.23) | (11.18) | (14.75) | (7.61) | (3.14) | (2.72) | (7.85) | (2.12) | (5.05) | (5.24) |
Net Current Asset Value |
(544.57) | (546.32) | (621.83) | (595.25) | (903.77) | (1,521.10) | (1,604.68) | (1,327.59) | (1,190.79) | (1,171.02) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.08 | 0.09 | 0.03 | 0.01 | 0.01 | 0.03 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
15.88 | 15.32 | 11.58 | 12.91 | 11.70 | 10.06 | 10.95 | 9.32 | 11.46 | 10.29 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.17 | 0.15 | 0.12 | 0.13 | 0.16 | 0.17 | 0.15 | 0.14 | 0.11 | 0.12 |
Cash ROIC |
5.62% | 6.15% | 5.11% | 5.60% | 7.66% | 8.05% | 11.61% | 10.80% | 8.14% | 10.53% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
101,357.54 | 81,528.55 | 58,598.19 | 40,063.93 | 78,368.89 | 181,346.25 | 106,464.32 | 28,952.65 | 19,363.60 | 20,254.97 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,087.96 | 2,416.80 | 2,778.34 | 3,251.33 | 3,768.28 | 4,425.42 | 5,047.18 | 5,301.51 | 5,291.02 | 6,159.41 |
Average Assets |
2,664.85 | 3,050.18 | 3,536.73 | 4,163.38 | 4,687.62 | 5,293.06 | 5,882.27 | 6,154.09 | 6,224.05 | 7,342.35 |
Average Common Equity |
291.31 | 347.42 | 411.61 | 516.23 | 599.26 | 646.58 | 613.43 | 610.98 | 689.31 | 938.70 |
Columns are period end dates · fundamentals updated 6 Nov 2026