German American Bancorp, Inc.

GABC

$49.84

+0.09%

2026-09-04 09:47:20 EDT+$0.05

Financial Services

Banks - Regional

NASDAQ

Active Trading

German American Bancorp, Inc. functions as the parent entity for German American Bank, offering a comprehensive suite of retail and commercial banking ...

Financial Highlights of GABC

Profitability trend

Latest / TTM · 6 periods

Gross Margin

75.5%

Net Margin

28.2%

P/E Ratio

13.14x

n/a

Debt / Equity

0.14

n/a

Current Ratio

2.93

Dividend Yield

2.5%

Understanding

TTM —

No major balance sheet stress in these headline ratios.

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

75.5%

Net Margin

28.2%

P/E Ratio

13.14x

Debt / Equity

0.14

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	98.7%	91.1%	78.3%	67.3%	70.2%	—
Operating MarginOperating income as a percentage of revenue.	44.7%	35.7%	32.7%	33.0%	28.7%	—
Net MarginNet income as a percentage of revenue.	36.6%	29.4%	27.1%	26.6%	23.1%	—
EBITDA MarginEBITDA divided by revenue.	48.5%	39.3%	35.7%	35.9%	32.6%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	44.7%	35.7%	32.7%	33.0%	28.7%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.41	0.36	0.32	0.21	0.18	—
Quick RatioLiquid assets divided by current liabilities.	0.41	0.36	0.32	0.21	0.18	—
Cash RatioCash and equivalents divided by current liabilities.	0.01	0.01	0.01	0.01	0.01	—
Debt / AssetsDebt as a share of total assets.	2.7%	3.3%	3.2%	3.3%	2.2%	—
Debt / EquityDebt compared with shareholder equity.	0.23	0.36	0.29	0.29	0.16	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	5.28x	2.24x	0.00x	0.00x	0.00x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.07x	0.56x	0.00x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.04x	0.05x	0.05x	0.05x	0.06x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.08x	-0.09x	-0.09x	-0.08x	-0.10x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	12.30x	13.42x	11.14x	14.21x	12.80x	—
P/B RatioPrice paid for each dollar of book value.	1.55x	1.97x	1.44x	1.67x	1.24x	—
P/S RatioPrice paid for each dollar of sales.	4.50x	3.95x	3.02x	3.78x	2.96x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	10.76x	10.76x	9.44x	13.15x	9.36x	—
Dividend YieldAnnual dividend divided by current share price.	2.1%	2.5%	3.1%	2.7%	3.0%	—

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