See more : Synlait Milk Limited (SM1.AX) Income Statement Analysis – Financial Results
Complete financial analysis of German American Bancorp, Inc. (GABC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of German American Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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German American Bancorp, Inc. (GABC)
About German American Bancorp, Inc.
German American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.
| Metric | 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 | 1992 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 250.69M | 259.72M | 220.29M | 209.72M | 190.73M | 151.68M | 131.76M | 126.92M | 103.00M | 98.28M | 92.13M | 88.06M | 85.56M | 65.61M | 60.37M | 59.15M | 54.32M | 51.59M | 46.41M | 40.86M | 42.47M | 41.45M | 41.92M | 36.22M | 38.50M | 27.20M | 22.40M | 16.50M | 16.00M | 14.20M | 12.60M | 9.90M |
| Cost of Revenue | 19.57M | 23.44M | 19.64M | 16.23M | 15.42M | 12.79M | 9.40M | 9.84M | 7.67M | 7.64M | 7.01M | 6.97M | 5.80M | 5.15M | 4.99M | 4.55M | 5.80M | 4.99M | 4.18M | 4.21M | 3.85M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 231.12M | 236.28M | 200.65M | 193.49M | 175.31M | 138.89M | 122.36M | 117.08M | 95.33M | 90.63M | 85.12M | 81.09M | 79.76M | 60.47M | 55.38M | 54.59M | 48.52M | 46.60M | 42.23M | 36.65M | 38.62M | 41.45M | 41.92M | 36.22M | 38.50M | 27.20M | 22.40M | 16.50M | 16.00M | 14.20M | 12.60M | 9.90M |
| Gross Profit Ratio | 92.19% | 90.98% | 91.09% | 92.26% | 91.92% | 91.57% | 92.87% | 92.25% | 92.56% | 92.22% | 92.39% | 92.08% | 93.22% | 92.15% | 91.73% | 92.30% | 89.32% | 90.33% | 90.99% | 89.69% | 90.94% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 86.07M | 86.01M | 69.99M | 68.11M | 64.42M | 51.31M | 47.60M | 45.11M | 36.19M | 33.82M | 32.53M | 30.20M | 27.99M | 22.07M | 21.96M | 22.85M | 23.67M | 23.76M | 20.38M | 19.53M | 18.06M | 17.44M | 16.67M | 15.45M | 13.40M | 9.10M | 7.40M | 5.70M | 5.30M | 4.50M | 4.10M | 3.20M |
| Selling & Marketing | 4.86M | 4.42M | 4.20M | 3.59M | 4.23M | 3.49M | 3.54M | 2.66M | 3.67M | 1.98M | 1.86M | 1.71M | 1.53M | 1.26M | 993.00K | 1.08M | 957.00K | 940.00K | 784.00K | 888.00K | 853.00K | 738.00K | 1.01M | 870.00K | 900.00K | 600.00K | 500.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 119.26M | 90.42M | 74.19M | 68.11M | 68.65M | 51.31M | 51.14M | 47.77M | 39.86M | 35.80M | 34.40M | 31.92M | 27.99M | 22.07M | 21.96M | 23.93M | 24.62M | 24.70M | 21.16M | 20.42M | 18.92M | 18.18M | 17.68M | 16.32M | 14.30M | 9.70M | 7.90M | 5.70M | 5.30M | 4.50M | 4.10M | 3.20M |
| Other Expenses | 0.00 | -55.13M | -191.69M | -202.79M | -188.14M | -139.26M | -21.93M | -24.07M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -19.64M | -8.73M | -1.15M | -5.20M | -5.70M | -3.60M | -2.60M | -2.60M | -4.00M | -3.10M | -900.00K |
| Operating Expenses | 144.50M | 10.71M | -117.51M | -134.67M | -119.49M | -76.48M | 6.36M | 6.33M | 6.33M | 4.27M | 4.44M | 3.96M | 3.58M | 3.54M | 2.73M | 2.75M | 2.38M | 2.73M | 2.49M | 2.58M | 2.08M | -1.46M | 8.95M | 15.18M | 9.10M | 4.00M | 4.30M | 3.10M | 2.70M | 500.00K | 1.00M | 2.30M |
| Cost & Expenses | 144.50M | 10.71M | -117.51M | -134.67M | -119.49M | -76.48M | 15.76M | 16.17M | 14.00M | 11.91M | 11.45M | 10.93M | 9.38M | 8.69M | 7.73M | 7.30M | 8.18M | 7.71M | 6.67M | 6.79M | 5.93M | -1.46M | 8.95M | 15.18M | 9.10M | 4.00M | 4.30M | 3.10M | 2.70M | 500.00K | 1.00M | 2.30M |
| Interest Income | 256.66M | 218.93M | 170.38M | 174.37M | 176.47M | 133.75M | 111.03M | 103.37M | 81.62M | 80.39M | 75.67M | 77.16M | 80.16M | 64.19M | 63.74M | 67.85M | 72.26M | 63.59M | 50.20M | 47.71M | 50.62M | 60.49M | 71.07M | 79.32M | 68.00M | 45.70M | 37.50M | 28.30M | 27.30M | 22.10M | 20.50M | 17.60M |
| Interest Expense | 66.22M | 18.34M | 9.55M | 19.13M | 31.25M | 19.14M | 11.12M | 8.46M | 6.07M | 6.05M | 7.16M | 10.91M | 16.18M | 15.52M | 19.22M | 26.91M | 33.65M | 27.40M | 17.98M | 16.47M | 21.08M | 28.56M | 38.92M | 45.65M | 35.80M | 21.60M | 17.60M | 13.60M | 12.80M | 9.60M | 9.40M | 8.90M |
| Depreciation & Amortization | 9.56M | 10.36M | 8.53M | 9.53M | 9.49M | 6.49M | 4.88M | 4.84M | 790.00K | 1.25M | 1.42M | 1.66M | 5.14M | 3.72M | 3.69M | 3.36M | 3.14M | 3.09M | 2.87M | 3.24M | 5.38M | 4.75M | 3.28M | 2.47M | 2.60M | 1.40M | 1.20M | 900.00K | 200.00K | 600.00K | 800.00K | 300.00K |
| EBITDA | 113.06M | 109.29M | 111.56M | 84.47M | 80.73M | 62.24M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 45.10% | 46.68% | 47.90% | 40.28% | 39.30% | 53.65% | 51.62% | 48.78% | 50.49% | 52.17% | 52.63% | 57.15% | 57.62% | 58.33% | 64.83% | 82.36% | 92.59% | 86.64% | 73.06% | 68.39% | 84.54% | 107.95% | 129.16% | 148.73% | 130.39% | 119.85% | 124.55% | 124.24% | 118.13% | 107.75% | 114.29% | 126.26% |
| Operating Income | 109.32M | 117.52M | 102.79M | 75.04M | 71.24M | 75.20M | 2.64M | 4.80M | 4.52M | 2.02M | 2.00M | 1.96M | 1.45M | 1.74M | 2.11M | 3.20M | 2.82M | 2.38M | 2.69M | 2.07M | 1.56M | 39.99M | 50.87M | 51.39M | 47.60M | 31.20M | 26.70M | 19.60M | 18.70M | 14.70M | 13.60M | 12.20M |
| Operating Income Ratio | 43.61% | 45.25% | 46.66% | 35.78% | 37.35% | 49.58% | 2.00% | 3.78% | 4.38% | 2.05% | 2.17% | 2.22% | 1.70% | 2.65% | 3.49% | 5.42% | 5.19% | 4.62% | 5.79% | 5.08% | 3.66% | 96.48% | 121.35% | 141.91% | 123.64% | 114.71% | 119.20% | 118.79% | 116.88% | 103.52% | 107.94% | 123.23% |
| Total Other Income/Expenses | -5.67M | -17.70M | -4.15M | -4.28M | -4.25M | -6.53M | -1.90M | -4.27M | -1.93M | -2.37M | -2.47M | -2.77M | 0.00 | 0.00 | 14.12M | 15.24M | 10.69M | 11.82M | 10.37M | 6.16M | 7.88M | -28.56M | -38.92M | -45.65M | -35.80M | -21.60M | -17.60M | -13.60M | -12.80M | -9.60M | -9.60M | -8.90M |
| Income Before Tax | 103.65M | 99.18M | 102.79M | 75.04M | 71.24M | 56.06M | 52.21M | 49.13M | 41.67M | 40.41M | 36.88M | 34.72M | 27.98M | 19.03M | 16.23M | 18.44M | 13.51M | 14.21M | 13.06M | 8.24M | 9.44M | 11.43M | 11.96M | 5.75M | 11.80M | 9.60M | 9.10M | 6.00M | 5.90M | 5.10M | 4.00M | 3.30M |
| Income Before Tax Ratio | 41.34% | 38.19% | 46.66% | 35.78% | 37.35% | 36.96% | 39.62% | 38.71% | 40.46% | 41.12% | 40.03% | 39.43% | 32.70% | 29.00% | 26.88% | 31.18% | 24.87% | 27.54% | 28.13% | 20.15% | 22.23% | 27.58% | 28.52% | 15.87% | 30.65% | 35.29% | 40.63% | 36.36% | 36.88% | 35.92% | 31.75% | 33.33% |
| Income Tax Expense | 17.76M | 17.35M | 18.65M | 12.83M | 12.02M | 9.53M | 11.53M | 13.95M | 11.61M | 12.07M | 11.46M | 10.67M | 7.73M | 5.62M | 4.01M | 5.64M | 4.10M | 3.98M | 3.34M | 996.00K | 1.27M | 1.99M | 2.76M | 459.00K | 3.00M | 2.90M | 3.00M | 1.90M | 1.90M | 1.60M | 1.30M | 1.00M |
| Net Income | 85.89M | 81.83M | 84.14M | 62.21M | 59.22M | 46.53M | 40.68M | 35.18M | 30.06M | 28.34M | 25.41M | 24.06M | 20.25M | 13.41M | 12.22M | 12.80M | 9.41M | 10.22M | 9.72M | 7.24M | 8.17M | 9.44M | 9.19M | 5.29M | 8.80M | 6.70M | 6.10M | 4.10M | 4.00M | 3.50M | 2.90M | 2.30M |
| Net Income Ratio | 34.26% | 31.51% | 38.19% | 29.66% | 31.05% | 30.68% | 30.87% | 27.72% | 29.19% | 28.84% | 27.58% | 27.32% | 23.67% | 20.43% | 20.24% | 21.65% | 17.31% | 19.81% | 20.95% | 17.72% | 19.23% | 22.78% | 21.93% | 14.60% | 22.86% | 24.63% | 27.23% | 24.85% | 25.00% | 24.65% | 23.02% | 23.23% |
| EPS | 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 | 0.37 | 0.32 | 0.16 | 0.50 | 0.13 | 0.11 | 0.09 |
| EPS Diluted | 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 | 0.37 | 0.32 | 0.16 | 0.50 | 0.13 | 0.11 | 0.09 |
| Weighted Avg Shares Out | 29.56M | 29.46M | 26.54M | 26.54M | 25.82M | 23.38M | 22.92M | 22.39M | 19.88M | 19.80M | 19.18M | 18.93M | 18.87M | 16.65M | 16.60M | 16.54M | 16.51M | 16.49M | 16.34M | 16.37M | 16.77M | 18.01M | 18.32M | 18.36M | 19.38M | 24.81M | 10.75M | 8.12M | 8.06M | 8.13M | 7.59M | 5.37M |
| Weighted Avg Shares Out (Dil) | 29.56M | 29.46M | 26.54M | 26.54M | 25.82M | 23.38M | 22.92M | 22.39M | 19.89M | 19.83M | 19.21M | 18.96M | 18.88M | 16.66M | 16.60M | 16.54M | 16.54M | 16.51M | 16.35M | 16.42M | 16.83M | 18.06M | 18.32M | 18.36M | 20.32M | 24.86M | 10.75M | 8.12M | 8.06M | 8.13M | 7.59M | 5.37M |
Commonwealth Equity Services LLC Sells 4,123 Shares of German American Bancorp., Inc. (NASDAQ:GABC)
Commonwealth Equity Services LLC decreased its stake in shares of German American Bancorp., Inc. (NASDAQ:GABC) by 25.7% in the 1st quarter, according to the company in its most recent filing with the Securities & Exchange Commission. The firm owned 11,913...
UBS Group AG Has $543,000 Position in German American Bancorp., Inc. (NASDAQ:GABC)
UBS Group AG reduced its stake in shares of German American Bancorp., Inc. (NASDAQ:GABC) by 45.0% in the 1st quarter, according to its most recent 13F filing with the Securities and Exchange Commission. The firm owned 19,780 shares of the...
Alternative Financial Services Are A Major Source Of Earnings For Republic Bancorp
Republic Bancorp is a regional bank based in Kentucky. Unusually for such a bank, over 30% of its earnings come from alternative financial services products suc
German American Bancorp. (NASDAQ:GABC) Lifted to "Hold" at BidaskClub
German American Bancorp. (NASDAQ:GABC) was upgraded by analysts at BidaskClub from a “sell” rating to a “hold” rating in a report issued on Thursday, BidAskClub reports. A number of other brokerages have also weighed in on GABC. Zacks Investment Research...
Boston Trust Walden Corp Raises Holdings in German American Bancorp., Inc. (NASDAQ:GABC)
Boston Trust Walden Corp increased its holdings in German American Bancorp., Inc. (NASDAQ:GABC) by 3.3% in the 1st quarter, according to its most recent disclosure with the SEC. The firm owned 193,157 shares of the bank’s stock after acquiring an...
Nuveen Asset Management LLC Decreases Stake in German American Bancorp., Inc. (NASDAQ:GABC)
Nuveen Asset Management LLC reduced its stake in German American Bancorp., Inc. (NASDAQ:GABC) by 2.4% during the fourth quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The firm owned 90,682 shares of the bank’s...
Bank of America Corp DE Sells 2,306 Shares of German American Bancorp., Inc. (NASDAQ:GABC)
Bank of America Corp DE decreased its position in shares of German American Bancorp., Inc. (NASDAQ:GABC) by 10.2% in the 4th quarter, according to the company in its most recent 13F filing with the SEC. The fund owned 20,292 shares...
Zacks: Brokerages Anticipate German American Bancorp., Inc. (NASDAQ:GABC) Will Announce Earnings of $0.48 Per Share
Brokerages forecast that German American Bancorp., Inc. (NASDAQ:GABC) will announce earnings per share (EPS) of $0.48 for the current quarter, Zacks Investment Research reports. Three analysts have issued estimates for German American Bancorp.’s earnings, with the lowest EPS estimate coming...
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