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German American Bancorp GABC Net Interest Income

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Other financials

Income statement

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Revenue$100.0M+11.2%
Net income$38.2M+21.7%
EPS (diluted)$1.02+21.4%

Balance sheet

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Cash & equivalents$94.2M-53.0%
Total debt$7.1M+14.1%
Total equity$1.2B+13.3%
Total assets$8.4B+1.9%

Cash flow

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Operating cash flow$58.1M+116%
CapEx$2.9M+280%
Free cash flow$55.3M+111%

Valuation

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Market cap$1.91B+31.8%
Enterprise value$1.82B+45.2%
P/E13.4×-3.4×
P/S4.9×+0.1×

Profitability

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Net margin36.8%+8.0pp
FCF margin47.2%+9.1pp

Returns & leverage

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Return on equity12.5%+2.7pp
Debt / equity0×0.0×

Where this comes from

Reported directly by German American Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: German American Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:31 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000714395-26-000032
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025
Interest on Deposits25,17630,635
Interest on FHLB Advances and Other Borrowings1,7982,645
TOTAL INTEREST EXPENSE26,97433,280
NET INTEREST INCOME81,20873,155
Provision for Credit Losses1,5001,200
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES79,70871,955
NON-INTEREST INCOME
Wealth Management Fees5,0104,165

Item 1. Unaudited Financial Statements

FAQ

What is German American Bancorp's net interest income?
German American Bancorp (GABC) reported net interest income of $81.21M in Q2 2026.
How has German American Bancorp's net interest income changed year-over-year?
German American Bancorp's net interest income increased by 11.0% year-over-year, from $73.16M to $81.21M.
What is the long-term trend for German American Bancorp's net interest income?
Over 4 years (2021 to 2025), German American Bancorp's net interest income has grown at a 16.3% compound annual growth rate (CAGR), from $160.83M to $294.13M.
What does net interest income mean?
Net interest income is the difference between the interest earned on interest-earning assets, such as loans and securities, and the interest paid on interest-bearing liabilities, such as deposits and borrowings. It is the fundamental driver of a bank's core profitability and represents the spread earned on the bank's balance sheet. This metric is a key indicator of the bank's ability to manage interest rate risk and asset-liability pricing.

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