German American Bancorp Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $503M+42.2% YoYTTM through 30 Jun 2026
Net Income $142.1M+69.5% YoYTTM through 30 Jun 2026
Free Cash Flow $182.4MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 29.7% |
| Net Margin | 28.2% |
Returns
12.0%ROE
1.5%ROA
11.7%ROIC
Balance Sheet Health
Debt / Equity0.16x
Net Debt$64.3M
Cash & Equivalents$94.2M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin36.3%
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $487.4M
Diluted EPS$3.80TTMFY2025: $3.06
Dividend
$0.62Per share, FY20262.90%Yield-5.9%5-yr growth
Capital Allocation
Capex Intensity1.4%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Core Banking | View detailsExpected to benefit from the ongoing integration and optimization of the Heartland footprint in Ohio. | ||
| Wealth Management Services | View detailsFocused on expanding wealth management talent and services across the newly acquired Ohio markets. |
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