GABC - NASDAQ
German American Bancorp, Inc.
$42.68
-1.2%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.
At a Glance
Live SnapshotGerman American Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
German American Bancorp, Inc. Cash Flow Statement
GABC • NASDAQ
| German American Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
112.6M | 83.8M | 85.9M | 81.8M | 84.1M | 62.2M | 59.2M | 46.5M | 40.7M | 35.2M | 30.1M | 28.3M | 25.4M | 24.1M | 20.2M | 13.4M | 12.2M | 12.8M | 9.4M | 10.2M | |
18.7M | 9.3M | 9.6M | 10.1M | 8.8M | 9.4M | 8.6M | 6.2M | 4.7M | 4.3M | 4.3M | 4.8M | 4.5M | 4.7M | 5.1M | 3.7M | 3.7M | 3.4M | 3.1M | 3.1M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2.5M | 0.0 | -643K | 0.0 | 0.0 | 2.1M | -3.2M | 0.0 | 0.0 | 1.9M | 0.0 | -678K | |
2.9M | 2.9M | 2.3M | 2.3M | 1.7M | 1.1M | 1.3M | 1.4M | 1.2M | 1.4M | 963K | 627K | 329K | 628K | 635K | 405K | 485K | 10K | 331K | 284K | |
15.4M | -665K | 8.9M | 15.2M | 4.7M | 18.2M | -6.8M | 6.2M | 12.9M | -2.3M | -2.9M | 2.9M | 7.8M | 8.9M | -4.3M | 0.0 | 0.0 | 5M | -785K | -841K | |
(18.9M) | (17.8M) | (15.4M) | (11.6M) | (14.4M) | (11.5M) | (8M) | (5.9M) | (12.5M) | (9.3M) | (9.1M) | (11.3M) | (10.3M) | (9M) | (6.7M) | (6.1M) | (4.3M) | (6.1M) | (2.4M) | (3.6M) | |
9.7M | 394K | 552K | 532K | 1.5M | 1.5M | 2.9M | 2M | -4.6M | 3.3M | -1.2M | -202K | 3.6M | 3.7M | 4.9M | 508K | -7.3M | 971K | 664K | -665K | |
159.3M | 95.8M | 107.2M | 110M | 100.8M | 92.4M | 65.2M | 62.3M | 54.9M | 41.9M | 31.3M | 36.4M | 41.6M | 42M | 26.6M | 17.2M | 10.4M | 22.1M | 12.8M | 12.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-5.3M | -5M | -5.7M | -7.9M | -4.7M | -7.1M | -9.4M | -15.2M | -11.2M | -5.2M | -1.6M | -3.1M | -5.1M | -3.6M | -4M | -2M | -2.6M | -2.1M | -1.4M | -3.5M | |
(22.7M) | (0.0) | (0.0) | (207.8M) | (1.7M) | (0.0) | (5.5M) | (25.1M) | (0.0) | -1M | (0.0) | (0.0) | (5.9M) | (0.0) | (55.8M) | (855K) | -386K | (0.0) | -13K | -6.4M | |
-620.3M | -722.3M | -183.3M | -417.9M | -1B | -665M | -169.6M | -140.6M | -156.8M | -226.5M | -116.9M | -151.7M | -271.2M | -312.1M | -296.5M | -155.8M | -127.2M | -130.2M | -10.4M | -62M | |
772.7M | 760.6M | 401.3M | 289.2M | 319.8M | 326.8M | 197.8M | 169.7M | 129.4M | 270.5M | 109.9M | 139M | 301.3M | 239.2M | 128M | 61M | 55.2M | 107.1M | 44.8M | 75.6M | |
-230M | -115.6M | -185M | -95.3M | 63.6M | -836K | 6.4M | -77.9M | 0.0 | -109.5M | -118.3M | -62.7M | -98M | -85.2M | 12.6M | 2.9M | 9.4M | -25.5M | -74.6M | -92.8M | |
-60.3M | -82.4M | (27.3M) | -24.2M | -640.3M | -346.1M | (30.7M) | -38.8M | -189.3M | -71.7M | -126.9M | -78.5M | -67.2M | -161.7M | -104.9M | -93M | -65.6M | -50.7M | -41.6M | -89M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -5.8M | 0.0 | 0.0 | -29K | 55K | 49K | 50K | 20K | 37K | 12K | 0.0 | 0.0 | 0.0 | 0.0 | 17K | |
-56.4M | 15.7M | -10.3M | -11.9M | -42.7M | -155.5M | -58M | 27.8M | 17.1M | -65.1M | 67.1M | 65.1M | -20.4M | 29.9M | -39.2M | 5.6M | 16.5M | -12.5M | 23.5M | 6.6M | |
-43.3M | -31.8M | -29.4M | -27M | -22.2M | -20.1M | -17.6M | -14.1M | -11.8M | -10.6M | -9M | -8.5M | -7.7M | -7.1M | -7M | -6.2M | -6.2M | -6.2M | -6.2M | -6.2M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1.1M | (0.0) | -29K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-69.8M | 76.2M | -96.8M | -324.8M | 655.5M | 676.9M | -13M | -11.1M | 134.7M | 118.2M | 47.1M | -32.4M | 64.7M | 84.7M | 166.4M | 67.6M | 28M | 64.3M | 9.7M | 73.3M | |
-169.5M | 60.1M | -136.5M | -363.7M | 590.6M | 495.5M | -88.6M | 2.7M | 139.9M | 42.6M | 105.2M | 24.4M | 36.6M | 107.7M | 120.2M | 67M | 38.2M | 45.7M | 27.1M | 73.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-70.4M | 73.5M | -2.1M | -277.8M | 51.1M | 241.9M | 7.3M | 26.2M | 5.5M | 12.8M | 9.6M | -17.7M | 11M | -12M | 41.8M | -8.8M | -16.9M | 17.1M | -1.8M | -3.2M | |
188.8M | 115.3M | 117.4M | 395.2M | 345.7M | 103.9M | 96.6M | 70.4M | 64.8M | 52M | 42.4M | 60.1M | 49.1M | 61.1M | 19.3M | 28.1M | 45M | 27.9M | 29.7M | 32.9M | |
118.4M | 188.8M | 115.3M | 117.4M | 396.9M | 345.7M | 103.9M | 96.6M | 70.4M | 64.8M | 52M | 42.4M | 60.1M | 49.1M | 61.1M | 19.3M | 28.1M | 45M | 27.9M | 29.7M | |
154M | 90.7M | 101.5M | 102.2M | 96.2M | 85.3M | 55.9M | 47.1M | 43.7M | 36.7M | 29.7M | 33.4M | 36.5M | 38.4M | 22.7M | 15.3M | 7.8M | 20M | 11.4M | 8.6M |
SEC Filings
GABC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 18, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 05, 2026 | March 02, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 10, 2026 | February 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 26, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 18, 2025 | November 18, 2025 | 2025 |
Related Guides
Continue your GABC research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.