Fundies.
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GERMAN AMERICAN BANCORP, INC.

EDGAR
GABC Current report (8-K) · filed 2026-10-26

Annual consolidated revenue for 2025: about USD 487.4M, using the latest reported figures. The previous period, 2024, was about USD 353.7M.

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Watchlist

Latest quarter

Revenue

127 million USD

2026 Q2 · USD

Exact inputs and evidence

Net margin

30.07%

2026 Q2 · %

Exact inputs and evidence
  • Net Income: 38172000 USD Source
  • Revenue: 126928000 USD Source

Operating cash flow

58.1 million USD

2026 Q2 · USD

Exact inputs and evidence
  • Operating Cash Flow: 95157000 USD Source
  • Operating Cash Flow: 37044000 USD Source

Free cash flow

55.3 million USD

2026 Q2 · USD

Exact inputs and evidence
  • Operating Cash Flow: 95157000 USD Source
  • Operating Cash Flow: 37044000 USD Source
  • Capital Expenditure: 3918000 USD Source
  • Capital Expenditure: 1066000 USD Source
Cash and cash equivalents
Not available
Long-term debt including current maturities
100 million USD Source
Exact value

100000000 USD

Shares outstanding
37.6 million shares Source
Exact value

37576750 shares

Reported share-count change

0.22% · 83.9 thousand shares

Year-over-year change in reported shares. Splits, issuance and buybacks can affect this figure; it does not isolate employee compensation or economic dilution.

Exact inputs and evidence
  • 37492814 shares · 2025-06-30· Source
  • 37576750 shares · 2026-06-30· Source

Trailing twelve months

The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.

Revenue

503 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Revenue: 126526000 USD · 2025-07-01 – 2025-09-30 Source
  • Revenue: 487401000 USD · 2025-01-01 – 2025-12-31 Source
  • Revenue: 360750000 USD · 2025-01-01 – 2025-09-30 Source
  • Revenue: 122934000 USD · 2026-01-01 – 2026-03-31 Source
  • Revenue: 126928000 USD · 2026-04-01 – 2026-06-30 Source

Net income

142 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Net income: 35074000 USD · 2025-07-01 – 2025-09-30 Source
  • Net income: 112635000 USD · 2025-01-01 – 2025-12-31 Source
  • Net income: 76952000 USD · 2025-01-01 – 2025-09-30 Source
  • Net income: 33152000 USD · 2026-01-01 – 2026-03-31 Source
  • Net income: 38172000 USD · 2026-04-01 – 2026-06-30 Source

Operating cash flow

190 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Operating cash flow: 116647000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 64844000 USD · 2025-01-01 – 2025-06-30 Source
  • Operating cash flow: 159316000 USD · 2025-01-01 – 2025-12-31 Source
  • Operating cash flow: 116647000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 37044000 USD · 2026-01-01 – 2026-03-31 Source
  • Operating cash flow: 95157000 USD · 2026-01-01 – 2026-06-30 Source
  • Operating cash flow: 37044000 USD · 2026-01-01 – 2026-03-31 Source

Capital expenditure

7.23 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Capital expenditure: 3662000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 2004000 USD · 2025-01-01 – 2025-06-30 Source
  • Capital expenditure: 5315000 USD · 2025-01-01 – 2025-12-31 Source
  • Capital expenditure: 3662000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 1066000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 3918000 USD · 2026-01-01 – 2026-06-30 Source
  • Capital expenditure: 1066000 USD · 2026-01-01 – 2026-03-31 Source

Free cash flow

182 million USD

2025-07-01 – 2026-06-30

Exact inputs and evidence
  • Operating cash flow: 116647000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 64844000 USD · 2025-01-01 – 2025-06-30 Source
  • Operating cash flow: 159316000 USD · 2025-01-01 – 2025-12-31 Source
  • Operating cash flow: 116647000 USD · 2025-01-01 – 2025-09-30 Source
  • Operating cash flow: 37044000 USD · 2026-01-01 – 2026-03-31 Source
  • Operating cash flow: 95157000 USD · 2026-01-01 – 2026-06-30 Source
  • Operating cash flow: 37044000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 3662000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 2004000 USD · 2025-01-01 – 2025-06-30 Source
  • Capital expenditure: 5315000 USD · 2025-01-01 – 2025-12-31 Source
  • Capital expenditure: 3662000 USD · 2025-01-01 – 2025-09-30 Source
  • Capital expenditure: 1066000 USD · 2026-01-01 – 2026-03-31 Source
  • Capital expenditure: 3918000 USD · 2026-01-01 – 2026-06-30 Source
  • Capital expenditure: 1066000 USD · 2026-01-01 – 2026-03-31 Source

Company performance

Up to ten complete financial years · consolidated figures

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2026-10-26.

Financial data available through: 2025-12-31.

Coverage by financial measure
  • Revenue: 4 of 11 periods available· newest 2025-12-31
  • operating income: No compatible figures in this window
  • Net income: 11 of 11 periods available· newest 2025-12-31
  • Operating cash flow: 11 of 11 periods available· newest 2025-12-31
  • Capital expenditure: 11 of 11 periods available· newest 2025-12-31
  • Total assets: 4 of 11 periods available· newest 2025-12-31
  • Total liabilities: 4 of 11 periods available· newest 2025-12-31
  • current assets: No compatible figures in this window
  • current liabilities: No compatible figures in this window
  • cash and cash equivalents: No compatible figures in this window
  • Long-term debt including current maturities: 4 of 11 periods available· newest 2025-12-31
  • Shares outstanding: 4 of 11 periods available· newest 2025-12-31

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

  • Revenue

    +37.8%

    Prior period

    USD 353.7 million

    –

    Current period

    USD 487.4 million

    –

    Exact inputs and evidence

    487401000 − 353703000 = 133698000 USD

    353703000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    487401000 USD · 2025-01-01 – 2025-12-31

    Inspect current input Current source
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  • Net income

    +34.4%

    Prior period

    USD 83.81 million

    –

    Current period

    USD 112.64 million

    –

    Exact inputs and evidence

    112635000 − 83811000 = 28824000 USD

    83811000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    112635000 USD · 2025-01-01 – 2025-12-31

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  • Operating cash flow

    +66.4%

    Prior period

    USD 95.76 million

    –

    Current period

    USD 159.32 million

    –

    Exact inputs and evidence

    159316000 − 95764000 = 63552000 USD

    95764000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    159316000 USD · 2025-01-01 – 2025-12-31

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  • Capital expenditure

    +5.3%

    Prior period

    USD 5.05 million

    –

    Current period

    USD 5.32 million

    –

    Exact inputs and evidence

    5315000 − 5047000 = 268000 USD

    5047000 USD · 2024-01-01 – 2024-12-31

    Inspect prior input Prior source

    5315000 USD · 2025-01-01 – 2025-12-31

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Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2025 2025-01-01 – 2025-12-31

  • Revenue USD 487.4 million 100% of revenue
  • Operating costs Derived Unavailable An input is unavailable.
  • Operating income Unavailable An input is unavailable.
  • Tax, interest and other Derived Unavailable An input is unavailable.
  • Net income USD 112.64 million 23% of revenue

Cash

  • Operating cash flow USD 159.32 million 33% of revenue
  • Capital expenditure USD 5.32 million 1.1% of revenue
  • Free cash flow Derived USD 154 million 32% of revenue

Share of revenue by period

  • Net income
  • Tax, interest and other
  • Operating costs
  • 2022 Not shown: operating income or net income is not reported.
  • 2023 Not shown: operating income or net income is not reported.
  • 2024 Not shown: operating income or net income is not reported.
  • 2025 Not shown: operating income or net income is not reported.
Values and sources
Revenue breakdown by annual reporting period
PeriodRevenueOperating costsOperating incomeTax, interest and otherNet incomeFree cash flowSource
2022 2022-01-01 – 2022-12-31278059000 UnavailableUnavailableUnavailable81825000 102184000 Derived
Source
2023 2023-01-01 – 2023-12-31316917000 UnavailableUnavailableUnavailable85888000 101489000 Derived
Source
2024 2024-01-01 – 2024-12-31353703000 UnavailableUnavailableUnavailable83811000 90717000 Derived
Source
2025 2025-01-01 – 2025-12-31487401000 UnavailableUnavailableUnavailable112635000 154001000 Derived
Source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 487.4M 2025
Revenue historyRevenue reported for each complete financial period. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.526.4M394.8M263.2M131.6M0.02022202320242025
Values and sources
Revenue values and source evidence
PeriodSeriesValue(USD)Source evidence
2022Revenue278059000
2023Revenue316917000
2024Revenue353703000
2025Revenue487401000

Revenue growth

Change in revenue from the same financial period one year earlier.

37.8% 2025
Revenue growth historyChange in revenue from the same financial period one year earlier. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.41%31%20%10%0%2022202320242025
Values and sources
Revenue growth values and source evidence
PeriodSeriesValueSource evidence
2022Year over yearNo prior comparable period
2023Year over year14%
2024Year over year11.6%
2025Year over year37.8%

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Net margin 23.1% 2025
Free cash flow margin 31.6% 2025
Profit margins historyOperating income, net income and free cash flow as a share of revenue. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.39.7%29.8%19.8%9.9%0.0%2022-12-312023-12-312024-12-312025-12-31
  • Operating margin
  • Net margin
  • Free cash flow margin
Values and sources
Profit margins values and source evidence
PeriodSeriesValueSource evidence
2022-12-31Operating marginNot reported
2023-12-31Operating marginNot reported
2024-12-31Operating marginNot reported
2025-12-31Operating marginNot reported
2022Net margin29.4%
2023Net margin27.1%
2024Net margin23.7%
2025Net margin23.1%
2022Free cash flow margin36.7%
2023Free cash flow margin32%
2024Free cash flow margin25.6%
2025Free cash flow margin31.6%

Operating cash flow

Cash generated by the company’s normal business operations.

USD 159.3M 2025
Operating cash flow historyCash generated by the company’s normal business operations. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.172.1M129.0M86.0M43.0M0.02022202320242025
Values and sources
Operating cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2022Operating cash flow110036000
2023Operating cash flow107234000
2024Operating cash flow95764000
2025Operating cash flow159316000

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD 154M 2025
Free cash flow historyOperating cash flow minus capital expenditure for the same period and unit. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.166.3M124.7M83.2M41.6M0.02022202320242025
Values and sources
Free cash flow values and source evidence
PeriodSeriesValue(USD)Source evidence
2022Free cash flow102184000
2023Free cash flow101489000
2024Free cash flow90717000
2025Free cash flow154001000

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

86.1% 2025
Liabilities to assets historyTotal liabilities as a share of total assets. Values are shown by financial reporting period. Open Values and sources below for the exact observations and evidence.98%74%49%25%0%2022202320242025
Values and sources
Liabilities to assets values and source evidence
PeriodSeriesValueSource evidence
2022Liabilities / assets90.9%
2023Liabilities / assets89.2%
2024Liabilities / assets88.6%
2025Liabilities / assets86.1%

Current assets to current liabilities

Current assets divided by current liabilities.

Not enough comparable data to show this history.
Values and sources
Current assets to current liabilities values and source evidence
PeriodSeriesValueSource evidence
2022-12-31Current assets / current liabilitiesNot reportedNo source recorded
2023-12-31Current assets / current liabilitiesNot reportedNo source recorded
2024-12-31Current assets / current liabilitiesNot reportedNo source recorded
2025-12-31Current assets / current liabilitiesNot reportedNo source recorded

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
PeriodNet incomeOperating cash flowCapital expenditureFree cash flow
2016 2016-01-01 – 2016-12-31
USD 35.18 million
Exact value

Exact value: 35184000 USD

2016-01-01 – 2016-12-31: 35184000 USD Inspect Net Income Open source
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USD 41.91 million
Exact value

Exact value: 41913000 USD

2016-01-01 – 2016-12-31: 41913000 USD Inspect Operating Cash Flow Open source
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USD 5.23 million
Exact value

Exact value: 5234000 USD

2016-01-01 – 2016-12-31: 5234000 USD Inspect Capital Expenditure Open source
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USD 36.68 million
Calculation and evidence

41913000 − 5234000 USD

Exact free cash flow: 36679000 USD

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2017 2017-01-01 – 2017-12-31
USD 40.68 million
Exact value

Exact value: 40676000 USD

2017-01-01 – 2017-12-31: 40676000 USD Inspect Net Income Open source
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USD 54.88 million
Exact value

Exact value: 54875000 USD

2017-01-01 – 2017-12-31: 54875000 USD Inspect Operating Cash Flow Open source
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USD 11.18 million
Exact value

Exact value: 11183000 USD

2017-01-01 – 2017-12-31: 11183000 USD Inspect Capital Expenditure Open source
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USD 43.69 million
Calculation and evidence

54875000 − 11183000 USD

Exact free cash flow: 43692000 USD

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2018 2018-01-01 – 2018-12-31
USD 46.53 million
Exact value

Exact value: 46529000 USD

2018-01-01 – 2018-12-31: 46529000 USD Inspect Net Income Open source
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USD 62.33 million
Exact value

Exact value: 62331000 USD

2018-01-01 – 2018-12-31: 62331000 USD Inspect Operating Cash Flow Open source
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USD 15.19 million
Exact value

Exact value: 15186000 USD

2018-01-01 – 2018-12-31: 15186000 USD Inspect Capital Expenditure Open source
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USD 47.15 million
Calculation and evidence

62331000 − 15186000 USD

Exact free cash flow: 47145000 USD

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2019 2019-01-01 – 2019-12-31
USD 59.22 million
Exact value

Exact value: 59222000 USD

2019-01-01 – 2019-12-31: 59222000 USD Inspect Net Income Open source
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USD 65.23 million
Exact value

Exact value: 65229000 USD

2019-01-01 – 2019-12-31: 65229000 USD Inspect Operating Cash Flow Open source
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USD 9.37 million
Exact value

Exact value: 9374000 USD

2019-01-01 – 2019-12-31: 9374000 USD Inspect Capital Expenditure Open source
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USD 55.86 million
Calculation and evidence

65229000 − 9374000 USD

Exact free cash flow: 55855000 USD

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2020 2020-01-01 – 2020-12-31
USD 62.21 million
Exact value

Exact value: 62210000 USD

2020-01-01 – 2020-12-31: 62210000 USD Inspect Net Income Open source
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USD 92.42 million
Exact value

Exact value: 92418000 USD

2020-01-01 – 2020-12-31: 92418000 USD Inspect Operating Cash Flow Open source
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USD 7.07 million
Exact value

Exact value: 7071000 USD

2020-01-01 – 2020-12-31: 7071000 USD Inspect Capital Expenditure Open source
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USD 85.35 million
Calculation and evidence

92418000 − 7071000 USD

Exact free cash flow: 85347000 USD

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2021 2021-01-01 – 2021-12-31
USD 84.14 million
Exact value

Exact value: 84137000 USD

2021-01-01 – 2021-12-31: 84137000 USD Inspect Net Income Open source
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USD 100.84 million
Exact value

Exact value: 100844000 USD

2021-01-01 – 2021-12-31: 100844000 USD Inspect Operating Cash Flow Open source
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USD 4.69 million
Exact value

Exact value: 4686000 USD

2021-01-01 – 2021-12-31: 4686000 USD Inspect Capital Expenditure Open source
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USD 96.16 million
Calculation and evidence

100844000 − 4686000 USD

Exact free cash flow: 96158000 USD

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2022 2022-01-01 – 2022-12-31
USD 81.83 million
Exact value

Exact value: 81825000 USD

2022-01-01 – 2022-12-31: 81825000 USD Inspect Net Income Open source
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USD 110.04 million
Exact value

Exact value: 110036000 USD

2022-01-01 – 2022-12-31: 110036000 USD Inspect Operating Cash Flow Open source
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USD 7.85 million
Exact value

Exact value: 7852000 USD

2022-01-01 – 2022-12-31: 7852000 USD Inspect Capital Expenditure Open source
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USD 102.18 million
Calculation and evidence

110036000 − 7852000 USD

Exact free cash flow: 102184000 USD

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2023 2023-01-01 – 2023-12-31
USD 85.89 million
Exact value

Exact value: 85888000 USD

2023-01-01 – 2023-12-31: 85888000 USD Inspect Net Income Open source
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USD 107.23 million
Exact value

Exact value: 107234000 USD

2023-01-01 – 2023-12-31: 107234000 USD Inspect Operating Cash Flow Open source
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USD 5.75 million
Exact value

Exact value: 5745000 USD

2023-01-01 – 2023-12-31: 5745000 USD Inspect Capital Expenditure Open source
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USD 101.49 million
Calculation and evidence

107234000 − 5745000 USD

Exact free cash flow: 101489000 USD

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2024 2024-01-01 – 2024-12-31
USD 83.81 million
Exact value

Exact value: 83811000 USD

2024-01-01 – 2024-12-31: 83811000 USD Inspect Net Income Open source
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USD 95.76 million
Exact value

Exact value: 95764000 USD

2024-01-01 – 2024-12-31: 95764000 USD Inspect Operating Cash Flow Open source
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USD 5.05 million
Exact value

Exact value: 5047000 USD

2024-01-01 – 2024-12-31: 5047000 USD Inspect Capital Expenditure Open source
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USD 90.72 million
Calculation and evidence

95764000 − 5047000 USD

Exact free cash flow: 90717000 USD

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2025 2025-01-01 – 2025-12-31
USD 112.64 million
Exact value

Exact value: 112635000 USD

2025-01-01 – 2025-12-31: 112635000 USD Inspect Net Income Open source
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USD 159.32 million
Exact value

Exact value: 159316000 USD

2025-01-01 – 2025-12-31: 159316000 USD Inspect Operating Cash Flow Open source
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USD 5.32 million
Exact value

Exact value: 5315000 USD

2025-01-01 – 2025-12-31: 5315000 USD Inspect Capital Expenditure Open source
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USD 154 million
Calculation and evidence

159316000 − 5315000 USD

Exact free cash flow: 154001000 USD

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Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

420 filings · 4,223 latest values · 4,223 originally reported values

Dataset published . Source filing dates and reporting periods are shown separately.

Identifiers: 0000714395, 714395, GABC, edgar:714395

Also known as GERMAN AMERICAN BANCORP, GERMAN AMERICAN BANCORP, INC., German American Bancorp, Inc.