German American Bancorp Financial Ratios
NASDAQ: GABCFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
German American Bancorp ratio analysis
German American Bancorp earned a net margin of 23.1% in FY 2025, down from 23.7% a year earlier. Return on equity reached 9.7%, meaning German American Bancorp generated 0.10 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.09 versus 0.16 the year before.
At the end of FY 2025, GABC traded at 12.7 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 11.1 to 22.3, with a median of 14.0. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
German American Bancorp financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 12.71 | 13.80 | 11.14 | 13.42 | 12.30 | 14.14 | 15.44 | 14.76 | 19.96 | 22.34 |
| Price / sales | 2.94 | 3.28 | 3.02 | 3.95 | 4.70 | 4.19 | 4.79 | 4.53 | 6.15 | 6.19 |
| Price / book | 1.23 | 1.62 | 1.44 | 1.97 | 1.55 | 1.41 | 1.59 | 1.50 | 2.22 | 2.38 |
| Net margin | 23.1% | 23.7% | 27.1% | 29.4% | 38.2% | 29.7% | 31.1% | 30.7% | 30.9% | 27.7% |
| Free cash flow margin | 31.6% | 25.6% | 32.0% | 36.7% | 43.7% | 40.7% | 29.3% | 31.1% | 33.2% | 28.9% |
| Return on equity (ROE) | 9.7% | 11.7% | 12.9% | 14.7% | 12.6% | 10.0% | 10.3% | 10.1% | 11.2% | 10.7% |
| Return on assets (ROA) | 1.3% | 1.3% | 1.4% | 1.3% | 1.5% | 1.2% | 1.3% | 1.2% | 1.3% | 1.2% |
| Debt / equity | 0.09 | 0.16 | 0.13 | 0.12 | 0.23 | 0.31 | 0.61 | 0.82 | 0.75 | 0.78 |
| Revenue growth | 37.8% | 11.6% | 14.0% | 26.2% | 5.0% | 10.0% | 25.7% | 15.1% | 3.8% | 23.2% |
| EPS growth | 8.1% | -2.7% | 4.7% | -12.3% | 35.5% | 2.2% | 15.1% | 12.4% | 12.7% | 4.0% |