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 |
What Makes German American Bancorp (GABC) a New Strong Buy Stock
German American Bancorp (GABC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
German American Bancorp (GABC) Could Be a Great Choice
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
Are You Looking for a High-Growth Dividend Stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
Why German American Bancorp (GABC) is a Great Dividend Stock Right Now
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
German American Bancorp (GABC) Upgraded to Strong Buy: Here's Why
German American Bancorp (GABC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
German American Bancorp (GABC) is a Top Dividend Stock Right Now: Should You Buy?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
This is Why German American Bancorp (GABC) is a Great Dividend Stock
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes?
German American Bancorp (GABC) Tops Q2 Earnings and Revenue Estimates
German American Bancorp (GABC) delivered earnings and revenue surprises of 14.08% and 3.31%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
German American Bancorp (GABC) Q1 Earnings and Revenues Surpass Estimates
German American Bancorp (GABC) delivered earnings and revenue surprises of 10% and 0.79%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?
Best Income Stocks to Buy for February 16th
XOM, RE, and GABC made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 16, 2022
Source: https://incomestatements.info
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