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German American Bancorp GABC Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$97.8MBeat by $3.2M
EPS$0.96Beat by $0.06
Revenue estimate$94.6M
EPS estimate$0.90

Next report

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

Financials

Q4 2025

Income statement

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Revenue$96.0M+47.3%
Net income$35.7M+53.7%
EPS (diluted)$0.96+21.5%

Balance sheet

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Cash & equivalents$118.4M-37.3%
Total debt$7.9M+14.7%
Total equity$1.2B+62.5%
Total assets$8.4B+33.2%

Cash flow

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Operating cash flow$42.7M+48.7%
CapEx$1.7M+152%
Free cash flow$41.0M+46.3%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$1.47B+23.1%
Enterprise value$1.36B+34.3%
P/E13×-1.2×
P/S4.1×-0.6×

Profitability

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Net margin31.2%-1.9pp
FCF margin42.6%+6.8pp

Returns & leverage

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Return on equity12%-0.2pp
Debt / equity0×0.0×

Segments

By product

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Interchange Fee Income$5.0M+18.6%
Wealth Management Fees$4.5M+22.6%
Service Charges on Deposit Accounts$4.0M+18.3%
Other operating income, safe deposit box rentals and other non-interest related fees$296.0K+3.9%

FAQ

When did German American Bancorp report Q4 2025 earnings?
German American Bancorp (GABC) reported Q4 2025 earnings on January 26, 2026 before market open.
What were German American Bancorp's Q4 2025 revenue and EPS?
German American Bancorp reported revenue of $97.8M and eps of $0.96 for Q4 2025.
Did German American Bancorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $94.6M by $3.2M. EPS beat the consensus estimate of $0.90 by $0.06.
How did German American Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 50.2% from $65.1M a year earlier and eps grew 23.1% from $0.78.
Where can I find German American Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000714395-26-000003) and the 10-K periodic report (0000714395-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.