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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 |
German American Bancorp (GABC) Q4 Earnings Meet Estimates
German American Bancorp (GABC) delivered earnings and revenue surprises of 0% and 3.72%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?
German American Bancorp: Acquisitions Drive Upside
German American Bancorp: Acquisitions Drive Upside
Analysts Estimate German American Bancorp (GABC) to Report a Decline in Earnings: What to Look Out for
German American Bancorp (GABC) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Why German American Bancorp (GABC) Stock Might be a Great Pick
German American Bancorp (GABC) has seen solid earnings estimate revision activity over the past two months, and belongs to a strong industry as well.
German American: Adding Growth To Its Above Average Profitability
German American: Adding Growth To Its Above Average Profitability
German American Bancorp (GABC) Upgraded to Strong Buy: What Does It Mean for the 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) Q3 Earnings and Revenues Surpass Estimates
German American Bancorp (GABC) delivered earnings and revenue surprises of 9.46% and 6.25%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?
Why German American (GABC) Might Surprise This Earnings Season
German American (GABC) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.
German American Bancorp, Inc. and Citizens Union Bancorp of Shelbyville, Inc. Announce Definitive Merger Agreement
JASPER, Ind., Sept. 20, 2021 (GLOBE NEWSWIRE) -- German American Bancorp, Inc. (Nasdaq: GABC) (“German American”) and Citizens Union Bancorp of Shelbyville, Inc. (“CUB”) announced today that they have entered into a definitive agreement to merge CUB into German American....
All You Need to Know About German American Bancorp (GABC) Rating Upgrade to Strong Buy
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).
Source: https://incomestatements.info
Category: Stock Reports