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German American Bancorp GABC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
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
Service Charges on Deposit Accounts3,9883,714
Company Owned Life Insurance667703

Item 1. Unaudited Financial Statements

FAQ

What is German American Bancorp's net interest income (after provisions)?
German American Bancorp (GABC) reported net interest income (after provisions) of $79.71M in Q2 2026.
How has German American Bancorp's net interest income (after provisions) changed year-over-year?
German American Bancorp's net interest income (after provisions) increased by 10.8% year-over-year, from $71.96M to $79.71M.
What is the long-term trend for German American Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), German American Bancorp's net interest income (after provisions) has grown at a 13.2% compound annual growth rate (CAGR), from $167.33M to $274.71M.
What does net interest income (after provisions) mean?
This metric represents net interest income adjusted for the provision for credit losses, which is the expense set aside to cover expected future loan defaults. It provides a more accurate view of the bank's net revenue after accounting for the inherent credit risk in its loan portfolio. A stable or growing trend indicates effective credit risk management and sustainable core earnings.

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