GABC
GERMAN AMERICAN BANCORP, INC.
Financials • CIK: 0000714395
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Market Cap
$1.37B
P/E (TTM)
13.7x
Rev Growth (TTM)
+76.5%
Net Margin (TTM)
22.2%
FCF Yield (TTM)
10.3%
FCF Margin (TTM)
31.2%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$141M
Q3 '25
$50M+92%
Q2 '25
$26M-29%
FCF Margin
TTM31.2%
Q3 '2539.6%+87%
Sector: 22.2%Above Avg
OCF Margin32.2%
OCF/NI1.45x
CapEx Coverage33.7x
FCF Yield10.3%
FCF Growth (2Y)+12%
Cash Conversion Cycle
0 days
DSO: 0+DIO: 0−DPO: 0
Capital Allocation & Returns
Balanced
Total Shareholder YieldEst.
Est.3.0%
Div Yield3.0%
+Est. Buyback4.4%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)3.0%
FCF Payout Ratio28.7%
Free Cash Flow (TTM)$141.0M
Capital Return / FCF28.7%
Est. Dividends Paid (TTM)$40.4M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
–
P25MedianP75
(med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
–
Asset Turnover
0.06x
8Q: 0.06x
Leverage (1+D/E)
1.03x
D/E: 0.03x
Asset & CapEx Efficiency
Fixed Asset Turn
3.56x
8Q:3.44x
+247.5%
CapEx/Depreciation
0.27x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $451.4M | $126.5M↑2.7% | $123.2M↑10.9% | $111.1M↑22.5% | $90.7M↑2.5% | $88.5M↓2.3% | $90.5M↑7.6% | $84.1M↑1249.7% | $-7.3M |
Operating Income | $263.6M | $76.8M↑4.3% | $73.7M↑26.4% | $58.3M↑6.3% | $54.8M↑4.8% | $52.3M↓0.9% | $52.8M↑11.6% | $47.3M↑210.0% | $-43.0M |
Net Income | $100.2M | $35.1M↑11.8% | $31.4M↑198.2% | $10.5M↓54.7% | $23.2M↑10.3% | $21.0M↑2.5% | $20.5M↑7.9% | $19.0M↓11.6% | $21.5M |
Operating Cash Flow | $145.3M | $51.8M↑92.5% | $26.9M↓29.0% | $37.9M↑32.2% | $28.7M↑17.1% | $24.5M↑31.0% | $18.7M↓21.6% | $23.9M↓19.4% | $29.6M |
Free Cash Flow | $141.0M | $50.1M↑91.6% | $26.2M↓28.7% | $36.7M↑30.8% | $28.0M↑21.8% | $23.0M↑35.2% | $17.0M↓24.7% | $22.6M↓22.9% | $29.3M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
13.7x
Volatile
8Q: 51.1x+1316%
Valuation Lenses
Earnings
13.7x
vs – sector
Cash Flow
8.1x
EV/FCF vs –
Growth-Adj
0.2xPEG
Undervalued for growth
Quality-Adj
–P/E per %ROIC
ROIC: –
Shareholder Returns
Dividend
3.0%
Buyback
–
Total Yield
3.0%
Market Cap$1.37B
EV$1.14B
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
73/100
High Quality
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Above Avg
10.6%
8Q:–
Return on Invested Capital (ROIC)
–
8Q:–
vs Sector:0.1%
Earnings Quality
Cash Conversion
1.45x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin–
Capital Efficiency
Invested Capital Turnover–
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Quality Growth
Growth Quality Score
76/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
76.5%
OpInc Growth YoY
46.8%
EPS Growth YoY
3.6%
FCF 3Y CAGR
11.7%
Growth Quality Analysis
⚠Working Capital Drag: FCF growth lagging revenue by 64.8%
✓Sustainability Index: 7.5/10 - Highly sustainable growth
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
—
Operating
—
Net
22.2%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+9.1 pts
FCF: 31.2% | Net: 22.2%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $223.11M
Interest Coverage
–
+Net cash position: $223.11M
Leverage Metrics
Debt-to-Equity
0.03x
Balance sheet risk & solvency analysis