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GERMAN AMERICAN BANCORP, INC.

GABC

$50.47 ▼ -0.29 (-0.56%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

GERMAN AMERICAN BANCORP, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.9B

Dividend Yield 2.30%

Revenue Growth 42.7% ↗

Op. Margin 38.8% ↘

ROIC None

FCF / Share None

Trailing P/E 16.5x

Price / Book 1.6x

FCF Yield —

Debt / Equity 0.09

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$361.44M

↑ +42.7% —

Net Income Profit after all expenses

$112.64M

↑ +34.4% —

Operating Margin Operating profit as % of sales

38.8%

↓ -5.7% 93th

Long-Term Debt Long-term obligations

$100.00M

↑ +11.7% —

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Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.16 Latest / share

+7.4% YoY

+5.6% 12-yr CAGR

$0.64

FY 2014

$0.68

FY 2015

$0.48

FY 2016

$0.52

FY 2017

$0.60

FY 2018

$0.68

FY 2019

$0.76

FY 2020

$0.84

FY 2021

$0.92

FY 2022

$1.00

FY 2023

$1.08

FY 2024

$1.16

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	42.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+612%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-83%)	-3.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-158%)	17.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+198%)	5.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-16%)	10.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	25.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+329%)	15.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+152%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	23.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	4.8% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-20%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	30.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+407%)	8.7% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+45%)	—	—
EPS Growth YoY (%)	8.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-2.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-12.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	35.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	15.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	12.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	12.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-30.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	8.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	4.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	18.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	33.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	10.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	34.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.4% Weak ↓ Weak Declining Year-over-year change in net income	5.0% Caution ↓ Caution Declining Year-over-year change in net income	-2.7% Weak ↓ Weak Declining Year-over-year change in net income	35.2% Excellent ↑ Excellent Improving Year-over-year change in net income	5.0% Fair ↓ Fair Declining Year-over-year change in net income	27.3% Excellent ↑ Excellent Improving Year-over-year change in net income	14.4% Fair ↑ Fair Improving Year-over-year change in net income	15.6% Good ↑ Good Improving Year-over-year change in net income	17.0% Good ↑ Good Improving Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	11.5% Fair ↓ Fair Declining Year-over-year change in net income	5.6% Fair ↓ Fair Declining Year-over-year change in net income	18.8% Good ↓ Good Declining Year-over-year change in net income	51.1% Excellent Excellent Year-over-year change in net income	9.7% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	4.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	12.0% Good Good Compound annual revenue growth over 3 years	13.4% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	8.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.4% Good Good Compound annual revenue growth over 5 years	10.2% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-3.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	7.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	6.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	13.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	-4.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	10.1% Good ↓ Good Declining Compound annual EPS growth over 3 years	18.0% Excellent Excellent Compound annual EPS growth over 3 years	20.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	38.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	41.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	31.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	33.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	34.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	31.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	38.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	29.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	31.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	30.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	30.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	27.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	29.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	28.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	23.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	20.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	20.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	11.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	14.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	10.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	11.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	10.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	11.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.0% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	10.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.09x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	—	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.31x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.61x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-49%)	0.82x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	0.75x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	1.08x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-10%)	0.90x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-41%)	0.87x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-27%)	0.78x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$9.82	$8.54	$8.48	$8.81	$8.30	$7.90	$7.39	$6.49	$5.75	$5.67	$7.77	$7.44	$7.21	$6.98	$6.80	$5.91	—	—
Basic EPS, GAAP (USD)	$3.06	$2.83	$2.91	$2.78	$3.17	$2.34	$2.29	$1.99	$1.77	$1.57	$2.27	$2.15	$1.99	$1.91	$1.61	$1.21	$1.10	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.16	$1.08	$1.00	$0.92	$0.84	$0.76	$0.68	$0.60	$0.52	$0.48	$0.68	$0.64	$0.60	$0.56	$0.56	$0.56	$0.56	—
Book Value per Share (USD)	$31.00	$24.09	$22.43	$18.93	$25.17	$23.57	$21.51	$18.37	$15.90	$14.42	$19.00	$17.31	$15.19	$14.66	$13.32	$10.95	—	—
Tangible Book Value per Share (USD)	$20.08	$17.93	$16.12	$12.50	$20.37	$18.63	$16.49	$13.82	$13.45	$11.94	$17.36	$15.60	$13.38	$12.95	$11.48	$10.06	—	—
Basic Weighted Avg Shares (shares)	36.80M	29.66M	29.56M	29.46M	26.54M	26.54M	25.82M	23.38M	22.92M	22.39M	13.26M	13.20M	12.79M	12.62M	12.58M	11.10M	—	—
Dividend Payout Ratio (%)	37.9% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	38.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	32.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.7% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	30.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	29.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	30.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$100.00M	—	$89.55M	$64.46M	$83.86M	$141.62M	$181.95M	$126.64M	$141.72M	$120.56M	$95.61M	$64.59M	$87.24M	$89.47M	$90.97M	—	—	—
Total Equity (USD)	$1.16B	$715.07M	$663.56M	$558.39M	$668.46M	$624.71M	$573.82M	$458.64M	$364.57M	$330.27M	$252.35M	$228.82M	$200.10M	$185.03M	$167.61M	$121.53M	$113.55M	$105.17M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$361.44M	$253.25M	$250.69M	$259.72M	$220.29M	$209.72M	$190.73M	$151.68M	$131.76M	$126.92M	$103.00M	$98.28M	$92.13M	$88.06M	$85.56M	$65.61M	$60.37M	—
Depreciation Expense (USD)	$8.98M	$6.88M	$6.57M	$6.65M	$5.80M	$5.99M	$5.77M	$4.74M	$3.93M	$3.77M	$3.31M	$3.41M	$2.91M	$2.94M	$3.26M	$2.87M	—	—
Net Income, GAAP (USD)	$112.64M	$83.81M	$85.89M	$81.83M	$84.14M	$62.21M	$59.22M	$46.53M	$40.68M	$35.18M	$30.06M	$28.34M	$25.41M	$24.05M	$20.25M	$13.40M	$12.22M	—
Operating Cash Flow (USD)	$159.32M	$95.76M	$107.23M	$110.04M	$100.84M	$92.42M	$65.23M	$62.33M	—	—	—	—	—	$42.00M	$26.62M	$17.23M	$10.43M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.0%	3.1%	3.3%	2.9%	3.1%	3.3%	2.9%	3.2%	3.2%	3.2%	3.3%	3.2%	3.3%	3.4%	3.5%	—	—
Efficiency Ratio (%) (%)	55.9%	57.8%	57.6%	59.4%	56.3%	55.8%	59.9%	61.7%	59.0%	60.3%	59.5%	58.7%	59.6%	57.8%	59.4%	63.0%	66.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 66 quarters

GERMAN AMERICAN BANCORP, INC.

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