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German American Bancorp, Inc. (NASDAQ:GABC)
US · Delayed Price · Currency is USD
Financial Services · Banks - Regional
51.19
Market cap
$1.92B
Insider Score
Health Score
Listed since
May 21, 1993
Website
Insider Score
/ 100
GABC Insider Score
GERMAN AMERICAN BANCORP, INC. has a live Insider Score.
Scored on 10 qualifying trades from 4 insiders in the last 90 days.
Financial Health Score
Strong
From GABC’s reported statements · Q2 2026 (trailing 12 months)
Profitability20 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $503.0M
- Net income
- $142.1M
- Net margin
- 28.2%
Leverage18 / 20
Little or no net debt.
- Total debt
- $174.1M
- Cash
- $94.2M
- Net debt / EBITDA
- 0.41x
Liquidity20 / 20
Comfortably covers what is due within a year.
- Current assets
- $94.2M
- Current liabilities
- $32.1M
- Current ratio
- 2.93
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $189.6M
- Free cash flow
- $182.4M
- FCF margin
- 36.3%
Dilution & runway17 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 37.6M
- Share growth (1y)
- 4.1%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
GABC Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 126.93 M | 122.93 M | 126.65 M | 126.53 M | 123.17 M | 111.06 M |
| Revenue Growth (YoY) | 3.05 % | 10.70 % | 39.69 % | 43.04 % | 136.06 % | 32.08 % |
| Cost of Revenue | 28.47 M | 28.86 M | 32.89 M | 33.07 M | 34.48 M | 44.94 M |
| Gross Profit | 98.45 M | 94.08 M | 93.77 M | 93.45 M | 88.69 M | 66.11 M |
| SG&A Expense | 32.32 M | 30.93 M | 29.65 M | 27.82 M | 3.41 M | 30.39 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 50.38 M | 52.37 M | 49.95 M | 49.70 M | 49.52 M | 52.78 M |
| Operating Income | 48.07 M | 41.71 M | 43.81 M | 43.75 M | 39.17 M | 13.33 M |
| Pretax Income | 48.07 M | 41.71 M | 43.81 M | 43.75 M | 39.17 M | 13.33 M |
| Tax Provision | 9.90 M | 8.56 M | 8.13 M | 8.68 M | 7.81 M | 2.81 M |
| Net Income | 38.17 M | 33.15 M | 35.68 M | 35.07 M | 31.36 M | 10.52 M |
| EPS (Basic) | 1.02 | 0.88 | 0.95 | 0.94 | 0.86 | 0.30 |
| EPS (Diluted) | 1.02 | 0.88 | 0.95 | 0.94 | 0.86 | 0.30 |
| Shares Outstanding | 37.56 M | 37.52 M | 37.49 M | 36.56 M | 36.09 M | 34.68 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.