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German American Bancorp GABC Q1 2025 earnings

Reported April 28, 2025 · Before market open

Revenue$81.4MBeat by $1.9M
EPS$0.79Beat by $0.07
Revenue estimate$79.6M
EPS estimate$0.72

Next report

Oct 26, 2026 (in a month)
Revenue estimate$102.6M
EPS estimate$1.00

Financials

Q1 2025

Income statement

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Revenue$81.4M+33.9%
Net income$10.5M-44.7%
EPS (diluted)$0.30-53.1%

Balance sheet

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Cash & equivalents$442.3M+258%
Total debt$6.5M-14.3%
Total equity$1.0B+59.6%
Total assets$8.4B+37.8%

Cash flow

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Operating cash flow$37.9M+59.0%
CapEx$1.3M+1.2%
Free cash flow$36.7M+62.2%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$1.4B+36.9%
Enterprise value$967.73M+6.5%
P/E18.6×+6.5×
P/S5.1×+1.0×

Profitability

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Net margin27.5%-6.5pp
FCF margin38.3%+0.1pp

Returns & leverage

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Return on equity8.9%-4.5pp
Debt / equity0×0.0×

Segments

By product

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Interchange Fee Income$4.4M+8.2%
Wealth Management Fees$3.8M+14.0%
Service Charges on Deposit Accounts$3.5M+20.1%
Other operating income, safe deposit box rentals and other non-interest related fees$269.0K-8.2%

FAQ

When did German American Bancorp report Q1 2025 earnings?
German American Bancorp (GABC) reported Q1 2025 earnings on April 28, 2025 before market open.
What were German American Bancorp's Q1 2025 revenue and EPS?
German American Bancorp reported revenue of $81.4M and eps of $0.79 for Q1 2025.
Did German American Bancorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $79.6M by $1.9M. EPS beat the consensus estimate of $0.72 by $0.07.
How did German American Bancorp's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 33.9% from $60.8M a year earlier and eps grew 23.4% from $0.64.
Where can I find German American Bancorp's Q1 2025 SEC filings?
You can read the 8-K earnings release (0000714395-25-000016) and the 10-Q periodic report (0000714395-25-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.