German American Bancorp, Inc. logo GABC - German American Bancorp, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 3
HOLD 5
SELL 0
STRONG
SELL
0
| PRICE TARGET: $48.00 DETAILS
HIGH: $49.00
LOW: $47.00
MEDIAN: $48.00
CONSENSUS: $48.00
UPSIDE: 10.93%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 487.4 315.4 316.9 278.1 229.8 228.8 222.0 170.8 142.9 135.4 109.1 104.3 99.3 99.0 101.7 81.1 79.6 86.1 88.0 79.6 64.7 57.3 63.6 70.0 80.8 81.9 78.5 74.4 68.9 43.5 28.8 23.8 22
Cost of Revenue 145.4 103.2 68.8 24.7 3.0 36.7 36.6 21.2 12.9 9.7 6.1 6.2 7.5 13.3 23.0 20.7 23.0 30.9 37.2 28.3 19.9 18.5 21.9 29.6 39.6 47.9 39.5 37.7 34.5 19.8 12.8 10.2 10
Gross Profit 342.0 212.2 248.1 253.4 226.8 192.2 185.4 149.6 130.0 125.7 103.0 98.1 91.8 85.6 78.8 60.5 56.6 55.2 50.7 51.3 44.8 38.8 41.7 40.4 41.3 34.0 39.0 36.8 34.4 23.7 16 13.6 12
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 127.4 89.1 90.9 90.4 74.2 72.4 68.6 55.8 51.1 47.8 39.9 35.8 34.4 31.9 31.0 24.8 26.7 24.1 24.6 24.7 21.2 20.4 20.7 19.9 17.7 16.3 15.3 13.6 13.2 8.6 5.3 4.5 4.1
Other Expenses 74.6 18.9 53.6 63.8 49.8 44.7 45.5 37.7 26.7 28.8 21.5 21.9 20.5 19.0 19.8 16.6 13.7 12.6 12.6 12.4 10.6 10.2 11.5 9.0 11.6 11.9 11.1 10.1 11 6.6 4.8 4 3.9
Operating Expenses 201.9 108.1 144.5 154.2 124.0 117.1 114.2 93.6 77.8 76.6 61.3 57.7 54.9 50.9 50.8 41.4 40.4 36.7 37.2 37.1 31.8 30.6 32.2 29.0 29.3 28.2 26.4 23.8 24.2 15.2 10.1 8.5 8
Operating Income
Operating Income 140.1 104.1 103.6 99.2 102.8 75.0 71.2 56.1 52.2 49.1 41.7 40.4 36.9 34.7 28.0 19.0 16.2 18.4 13.5 14.2 13.1 8.2 9.4 11.4 12.0 5.7 12.7 13.0 10.2 8.5 5.9 5.1 4
Interest Expense 126.0 100.5 66.2 18.3 9.5 19.1 31.2 19.1 11.1 8.5 6.1 6.0 7.2 10.9 16.2 15.5 19.2 26.9 33.6 27.4 18.0 16.5 21.1 28.6 38.9 45.6 37.7 36.3 33.7 19.5 12.8 9.6 9.4
Interest Income 420.1 291.0 256.7 218.9 170.4 174.4 176.5 133.7 111.0 103.4 81.6 80.4 75.7 77.2 80.2 64.2 63.7 67.8 72.3 63.6 50.2 47.7 50.6 60.5 71.1 79.3 72.1 69.2 63.2 41 27.3 22.1 20.5
Profitability
EBITDA 140.1 113.4 113.1 109.3 111.6 84.5 79.9 62.2 56.9 53.4 45.9 45.2 41.3 39.4 33.1 22.7 19.9 21.8 16.6 17.3 15.9 11.5 12.7 14.5 15.2 8.2 15.2 15.3 12 9.8 6.1 5.7 4.8
EBIT 140.1 104.1 103.6 99.2 102.8 75.0 71.2 56.1 52.2 49.1 41.7 40.4 36.9 34.7 28.0 19.0 16.2 18.4 13.5 14.2 13.1 8.2 9.4 11.4 12.0 5.7 12.7 13.0 10.2 8.5 5.9 5.1 4
Income Before Tax 140.1 104.1 103.6 99.2 102.8 75.0 71.2 56.1 52.2 49.1 41.7 40.4 36.9 34.7 28.0 19.0 16.2 18.4 13.5 14.2 13.1 8.2 9.4 11.4 12.0 5.7 12.7 13.0 10.2 8.5 5.9 5.1 4
Income Tax Expense 27.4 20.3 17.8 17.4 18.6 12.8 12.0 9.5 11.5 13.9 11.6 12.1 11.5 10.7 7.7 5.6 4.0 5.6 4.1 4.0 3.3 1.0 1.3 2.0 2.8 0.5 3.3 3.8 2.9 2.9 1.9 1.6 1.3
Net Income 112.6 83.8 85.9 81.8 84.1 62.2 59.2 46.5 40.7 35.2 30.1 28.3 25.4 24.1 20.2 13.4 12.2 12.8 9.4 10.2 9.7 7.2 8.2 9.4 9.2 5.3 9.4 9.2 7.3 5.6 4 3.5 2.9
Per Share Data
EPS (Basic) 3.06 2.83 2.91 2.78 3.17 2.34 2.29 1.99 1.77 1.57 1.51 1.43 1.33 1.27 1.07 0.81 0.73 0.77 0.57 0.62 0.59 0.44 0.49 0.53 0.50 0.29 0.48 0.76 0.32 0.16 0.50 0.13 0.11
EPS (Diluted) 3.06 2.83 2.91 2.78 3.17 2.34 2.29 1.99 1.77 1.57 1.51 1.43 1.32 1.27 1.07 0.81 0.73 0.77 0.57 0.62 0.59 0.44 0.49 0.52 0.50 0.29 0.48 0.76 0.32 0.16 0.50 0.13 0.11
Shares Outstanding 36.8 29.7 29.6 29.5 26.5 26.5 25.8 23.4 22.9 22.4 19.9 19.8 19.2 18.9 18.9 16.6 16.6 16.5 16.5 16.5 16.3 16.4 16.8 18.0 18.3 18.4 19.4 12.2 10.8 8.1 8.1 8.1 7.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 71.9 69.7 79.3 76.0 47.9 59.2 62.0 64.5 47.3 48.5 16.1 17.2 23.3 28.7 27.6 37.2 28.5 33.2 50.9 43.2 34.3 28.8 23.5 22.3
Short-Term Investments 1,162.2 1,055.1 1,596.8 1,761.7 1,889.6 1,217.9 854.8 812.6 740.6 709.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 124.0 43.5 44.0 44.2 35.3 30.5 25.9 17.3 11.7 18.6 17.5 22.5 34.0 27.0 28.0 25.3 11.8 6.8 6.9 6 5.1
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 1,234.1 1,124.9 1,676.1 1,961.6 1,981.0 1,321.1 961.0 912.7 818.4 784.2 33.3 28.9 41.9 46.2 50.1 71.2 55.5 61.2 76.2 55 41.1 35.7 29.5 27.4
Non-Current Assets
Property, Plant & Equipment 139.0 104.0 106.8 112.2 88.9 96.6 96.7 80.6 54.2 48.2 22.2 22.3 20.2 21.6 22.0 20.0 21.1 21.0 17.8 13.2 10.1 9.6 9.4 7.3
Goodwill 375.5 179.0 180.4 180.4 121.8 122.0 121.3 103.7 54.1 54.1 9.7 9.7 1.8 1.8 0 0 0 0 0 0 0 0 0 0
Intangible Assets 33.8 4.0 6.3 9.4 5.8 9.0 12.7 10.0 2.1 2.8 2.6 3.1 2.4 2.8 22.5 34.0 27.0 28.0 25.3 11.8 6.8 6.9 6 5.1
Long-Term Investments 6,300.8 4,551.2 3,932.9 3,749.7 2,978.2 3,058.5 3,078.9 2,716.9 2,133.0 1,990.4 1,126.2 1,063.2 819.1 818.2 860.3 845.5 985.5 956.0 792.1 505.7 344.4 320.1 304.8 271.5
Other Non-Current Assets 305.6 332.7 249.7 142.6 432.8 370.5 127.2 105.2 82.6 76.3 49.0 63.6 56.6 35.3 22.4 76.4 15.6 16.2 9 0.3 0.1 0.4 0.6 0.6
Total Non-Current Assets 7,154.7 5,171.0 4,476.1 4,194.4 3,627.5 3,656.5 3,436.7 3,016.4 2,326.0 2,171.8 1,209.6 1,161.9 900.2 879.8 906.9 943.9 1,024.3 995.4 820.7 520.8 356.4 332.1 317 280.1
Total Assets 8,388.8 6,295.9 6,152.2 6,156.0 5,608.5 4,977.6 4,397.7 3,929.1 3,144.4 2,956.0 1,243.0 1,190.8 942.1 925.9 957.0 1,015.1 1,079.8 1,056.6 896.9 575.8 397.5 367.8 346.5 307.5
Current Liabilities
Account Payables 0 0 0 43.7 43.6 51.8 44.1 21.4 20.5 18.1 11.7 12.2 12.4 13.1 13.0 11.6 11.7 11.5 9.1 7.2 3.3 3.2 2.1 2.2
Short-Term Debt 43.9 56.9 66.0 101.2 68.3 52.9 167.7 249.8 133.5 137.6 0 0 0 35.7 132.3 174.4 235.2 200.0 7 5.5 2.1 0 9.2 8.2
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 6,989.7 5,329.1 5,253.0 5,350.1 4,744.3 4,106.5 3,430.0 3,072.6 2,484.1 2,349.6 969.6 941.8 750.4 717.1 707.2 726.9 735.6 751.4 665.1 501 352.8 327.6 302.2 267.9
Total Current Liabilities 7,033.6 5,385.9 5,318.9 5,495.0 4,856.2 4,211.2 3,641.9 3,343.8 2,638.1 2,505.2 981.3 954.0 762.8 765.9 852.5 912.9 982.5 963.0 681.2 513.7 358.2 330.8 313.5 278.3
Non-Current Liabilities
Long-Term Debt 136.7 150.9 125.3 99.8 80.8 138.4 178.6 123.1 138.1 116.8 148.1 131.7 95.6 112.6 0 0 0 122.9 124.4 0 0 0 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 54.0 41.6 41.7 0 0 0 0 0 0 0 0 0 0 (35.7) 0 0 0 0 0 0 0 0 0.1 (0.1)
Total Non-Current Liabilities 192.9 194.9 169.7 102.6 83.9 141.6 181.9 126.6 141.7 120.6 148.1 131.7 95.6 76.9 0 0 0 0 124.4 0 0 0 0.1 (0.1)
Total Liabilities 7,226.5 5,580.8 5,488.6 5,597.6 4,940.1 4,352.9 3,823.9 3,470.4 2,779.8 2,625.7 1,129.4 1,085.7 858.4 842.8 852.5 912.9 982.5 963.0 805.6 513.7 358.2 330.8 313.6 278.2
Stockholders' Equity
Common Stock 37.5 29.7 29.6 29.5 26.6 26.5 26.7 25.0 22.9 15.3 0 0 0 10.9 11.5 11.0 10.5 10.0 8.7 0 0 0 0 0
Retained Earnings 582.9 513.6 461.6 405.2 350.4 288.4 253.1 211.4 179.0 149.7 29.0 23.0 5.8 4.7 12.3 18.1 24.4 30.6 33.6 16.9 11.4 12.4 12.6 9.5
Accumulated Other Comprehensive Income (164.9) (220.5) (217.1) (263.4) 15.5 35.4 15.1 (7.1) (2.6) (6.4) 4.6 2.8 0.2 0.0 1.9 0.8 (0.8) (3.9) 0.8 0.8 0.6 0.7 (0.7) 0
Total Stockholders' Equity 1,162.3 715.1 663.6 558.4 668.5 624.7 573.8 458.6 364.6 330.3 113.5 105.2 83.7 83.1 104.5 102.2 97.3 93.7 91.3 62.1 39.3 37 32.9 29.3
Total Liabilities & Equity 8,388.8 6,295.9 6,152.2 6,156.0 5,608.5 4,977.6 4,397.7 3,929.1 3,144.4 2,956.0 1,243.0 1,190.8 942.1 925.9 957.0 1,015.1 1,079.8 1,056.6 896.9 575.8 397.5 367.8 346.5 307.5
Debt Metrics
Total Debt 182.7 210.1 193.9 203.8 152.2 194.5 349.7 376.4 275.2 258.1 148.1 131.7 95.6 148.2 132.3 174.4 235.2 322.9 131.4 5.5 2.1 0 9.2 8.2
Net Debt 110.8 140.4 114.6 127.8 104.3 135.3 287.7 311.9 227.9 209.6 132.1 114.5 72.3 119.5 104.7 137.2 206.7 289.7 80.5 (37.7) (32.2) (28.8) (14.3) (14.1)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 112.6 83.8 85.9 81.8 84.1 62.2 59.2 46.5 40.7 35.2 9.7 7.2 8.2 9.4 9.2 5.3 9.4 9.2 7.3 5.6 4 3.5 2.7
Depreciation & Amortization 18.7 9.3 9.6 10.1 8.8 9.4 8.6 6.2 4.7 4.3 2.9 3.2 3.2 3.1 3.3 2.5 2.6 2.3 1.8 1.3 0.2 0.6 0.8
Stock-Based Compensation 2.9 2.9 2.3 2.3 1.7 1.1 1.3 1.4 1.2 1.4 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital 9.7 0.4 0.6 0.5 1.5 1.5 2.9 2.0 (4.6) 3.3 0.0 (2.0) (0.7) 12.5 (7.8) (1.3) (4.8) (4.2) (0.8) 0.3 (1.8) (0.1) 0.4
Other Non-Cash Items 15.4 (0.7) 8.9 15.2 4.7 18.2 (6.8) 6.2 12.9 (2.3) 1.8 3.3 14.7 (5.8) 65.6 3.7 8.7 26.0 (10.7) (0.1) 0.8 0 2.2
Operating Cash Flow 159.3 95.8 107.2 110.0 100.8 92.4 65.2 62.3 54.9 41.9 14.5 11.7 25.4 19.3 70.3 10.1 15.8 33.2 (2.4) 7.3 3.2 3.7 5.9
Investing Activities
Capital Expenditure (5.3) (5.0) (5.7) (7.9) (4.7) (7.1) (9.4) (15.2) (11.2) (5.2) (1.4) (1.4) (2.1) (4.2) (1.5) (2.0) (4.1) (2.8) (2.6) (1.4) (0.9) (1) (0.5)
Acquisitions 22.7 0 0 207.8 1.7 0 5.5 25.1 0 (1.0) 1 0 (2.5) (0.3) (0.1) (0.3) (0.0) 2.9 0 0 0 0 0
Purchases of Investments (620.3) (722.3) (183.3) (417.9) (1,020.7) (665.0) (169.6) (140.6) (156.8) (226.5) (57.0) (29.1) (135.1) (143.9) (87.6) (7.4) (88.5) (188.0) (98.2) (61.7) (75.1) (41.6) (53.5)
Sales/Maturities of Investments 772.7 760.6 401.3 289.1 319.8 326.8 197.8 169.7 129.4 270.5 59.2 42.8 161.9 90.5 113.5 17.0 44.1 180.1 95.8 59.3 69.6 37.5 59
Other Investing Activities (230.0) (115.6) (185.0) (95.3) 63.6 (0.8) 6.4 (77.9) 0 (109.5) 5.6 (18.5) (11.1) 45.3 51.8 (33.1) (95.9) (70.3) (20.3) (22.8) (5.7) 8.6 (3.5)
Investing Cash Flow (60.3) (82.4) 27.3 (24.2) (640.3) (346.1) 30.7 (38.8) (189.3) (71.7) 7.4 (6.1) 11.0 (12.3) 76.0 (25.7) (144.4) (78.1) (25.3) (26.6) (12.1) 3.5 1.5
Financing Activities
Net Debt Issuance (56.4) 15.7 (10.3) (11.9) (42.7) (155.5) (58.0) 27.8 17.1 (65.1) 7.8 (16.9) (21.7) (42.1) (60.8) 35.2 85.3 25.6 (9.2) 0.7 (9.2) 1 5.6
Stock Repurchased 0 0 0 0 0 0 0 0 (0.0) 0 (6.8) (0.7) (21.8) (2.7) 0 0 0 0 0 0 0 0 0
Dividends Paid (43.3) (31.8) (29.4) (27.0) (22.2) (20.1) (17.6) (14.1) (11.8) (10.6) (6.1) (6.1) (6.0) (6.1) (5.8) (5.2) (4.7) (3.3) (2.8) (2.1) (1.4) (1.2) (1)
Other Financing Activities (69.8) 76.2 (96.8) (324.8) 655.5 676.9 (13.0) (11.1) 134.7 118.2 (31.5) 33.2 9.8 (19.8) (8.9) (15.9) 25.2 11.5 21 32.8 25.3 (4.1) (5.4)
Financing Cash Flow (169.5) 60.1 (136.5) (363.7) 590.6 495.5 (88.6) 2.7 139.9 42.6 (36.5) 9.4 (39.7) (70.4) (75.7) 14.5 106.1 33.9 9.2 31.6 14.6 (4.3) (0.8)
Cash Position
Net Change in Cash (70.4) 73.5 (2.1) (277.8) 51.1 241.9 7.3 26.2 5.5 12.8 (14.7) 15.1 (3.2) (63.4) 70.7 (1.1) (22.5) (10.9) (18.6) (41.8) (22.3) (19.4) (11.4)
Cash at Beginning 188.8 115.3 117.4 395.2 345.7 103.9 96.5 70.4 64.8 52.0 47.7 32.5 35.7 99.1 28.4 29.6 52.1 63.0 79.3 41.8 22.3 19.4 11.4
Cash at End 118.4 188.8 115.3 117.4 396.9 345.7 103.9 96.5 70.4 64.8 32.9 47.7 32.5 35.7 99.1 28.4 29.6 52.1 60.7 33.7 28 22.3 18
Free Cash Flow 154.0 90.7 101.5 102.2 96.2 85.3 55.9 47.1 43.7 36.7 13.0 10.4 23.3 15.1 68.8 8.1 11.7 30.5 (5) 5.9 2.3 2.7 5.4
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 487.4 315.4 316.9 278.1 229.8 228.8 222.0 170.8 142.9 135.4 109.1 104.3 99.3 99.0 101.7 81.1 79.6 86.1 88.0 79.6 64.7 57.3 63.6 70.0 80.8 81.9 78.5 74.4 68.9 43.5 28.8 23.8 22
Gross Profit 342.0 212.2 248.1 253.4 226.8 192.2 185.4 149.6 130.0 125.7 103.0 98.1 91.8 85.6 78.8 60.5 56.6 55.2 50.7 51.3 44.8 38.8 41.7 40.4 41.3 34.0 39.0 36.8 34.4 23.7 16 13.6 12
Operating Income 140.1 104.1 103.6 99.2 102.8 75.0 71.2 56.1 52.2 49.1 41.7 40.4 36.9 34.7 28.0 19.0 16.2 18.4 13.5 14.2 13.1 8.2 9.4 11.4 12.0 5.7 12.7 13.0 10.2 8.5 5.9 5.1 4
Net Income 112.6 83.8 85.9 81.8 84.1 62.2 59.2 46.5 40.7 35.2 30.1 28.3 25.4 24.1 20.2 13.4 12.2 12.8 9.4 10.2 9.7 7.2 8.2 9.4 9.2 5.3 9.4 9.2 7.3 5.6 4 3.5 2.9
EPS (Diluted) 3.06 2.83 2.91 2.78 3.17 2.34 2.29 1.99 1.77 1.57 1.51 1.43 1.32 1.27 1.07 0.81 0.73 0.77 0.57 0.62 0.59 0.44 0.49 0.52 0.50 0.29 0.48 0.76 0.32 0.16 0.50 0.13 0.11
Balance Sheet
Cash & Equivalents 71.9 69.7 79.3 76.0 47.9 59.2 62.0 64.5 47.3 48.5 16.1 17.2 23.3 28.7 27.6 37.2 28.5 33.2 50.9 43.2 34.3 28.8 23.5 22.3
Total Assets 8,388.8 6,295.9 6,152.2 6,156.0 5,608.5 4,977.6 4,397.7 3,929.1 3,144.4 2,956.0 1,243.0 1,190.8 942.1 925.9 957.0 1,015.1 1,079.8 1,056.6 896.9 575.8 397.5 367.8 346.5 307.5
Total Debt 182.7 210.1 193.9 203.8 152.2 194.5 349.7 376.4 275.2 258.1 148.1 131.7 95.6 148.2 132.3 174.4 235.2 322.9 131.4 5.5 2.1 0 9.2 8.2
Stockholders' Equity 1,162.3 715.1 663.6 558.4 668.5 624.7 573.8 458.6 364.6 330.3 113.5 105.2 83.7 83.1 104.5 102.2 97.3 93.7 91.3 62.1 39.3 37 32.9 29.3
Cash Flow
Operating Cash Flow 159.3 95.8 107.2 110.0 100.8 92.4 65.2 62.3 54.9 41.9 14.5 11.7 25.4 19.3 70.3 10.1 15.8 33.2 (2.4) 7.3 3.2 3.7 5.9
Capital Expenditure (5.3) (5.0) (5.7) (7.9) (4.7) (7.1) (9.4) (15.2) (11.2) (5.2) (1.4) (1.4) (2.1) (4.2) (1.5) (2.0) (4.1) (2.8) (2.6) (1.4) (0.9) (1) (0.5)
Free Cash Flow 154.0 90.7 101.5 102.2 96.2 85.3 55.9 47.1 43.7 36.7 13.0 10.4 23.3 15.1 68.8 8.1 11.7 30.5 (5) 5.9 2.3 2.7 5.4