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German American Bancorp GABC Q3 2025 earnings

Reported October 27, 2025 · Before market open

Revenue$94.2MBeat by $1.2M
EPS$0.92Beat by $0.06
Revenue estimate$93.0M
EPS estimate$0.86

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$102.1M
EPS estimate$0.94

Financials

Q3 2025

Income statement

See full
Revenue$94.2M+50.9%
Net income$35.1M+66.6%
EPS (diluted)$0.94+32.4%

Balance sheet

See full
Cash & equivalents$255.6M+30.7%
Total debt$8.0M+13.0%
Total equity$1.1B+50.4%
Total assets$8.4B+34.2%

Cash flow

See full
Operating cash flow$51.8M+111%
CapEx$1.7M+11.9%
Free cash flow$50.1M+118%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.47B+28.0%
Enterprise value$1.22B+27.4%
P/E14.7×+0.7×
P/S4.5×-0.2×

Profitability

See full
Net margin30.3%-2.6pp
FCF margin42.7%+5.8pp

Returns & leverage

See full
Return on equity10.7%-2.1pp
Debt / equity0×0.0×

Versus estimates

Revenue

Q2 2026$101.3MBeat by $2.1MQ1 2026$97.4MBeat by $1.6MQ4 2025$97.8MBeat by $3.2M
Q3 2025$94.2MBeat by $1.2M
Q2 2025$89.9MMiss by $2.0MQ1 2025$81.4MBeat by $1.9M

Diluted EPS

Q2 2026$1.02Beat by $0.10Q1 2026$0.88Miss by $0.02Q4 2025$0.96Beat by $0.06
Q3 2025$0.92Beat by $0.06
Q2 2025$0.86Beat by $0.03Q1 2025$0.79Beat by $0.07

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Questions, answered.

When did German American Bancorp report Q3 2025 earnings?
German American Bancorp (GABC) reported Q3 2025 earnings on October 27, 2025 before market open.
What were German American Bancorp's Q3 2025 revenue and EPS?
German American Bancorp reported revenue of $94.2M and eps of $0.92 for Q3 2025.
Did German American Bancorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $93.0M by $1.2M. EPS beat the consensus estimate of $0.86 by $0.06.
How did German American Bancorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 50.9% from $62.4M a year earlier and eps grew 29.6% from $0.71.
Where can I find German American Bancorp's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000714395-25-000053) directly on SEC EDGAR. The filing index links above go to sec.gov.