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German American Bancorp (GABC)
NASDAQ:GABC
US Market
GABC
German American Bancorp
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German American Bancorp (GABC) Ratios

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German American Bancorp Ratios

GABC's free cash flow for Q1 2026 was $0.77. For the 2026 fiscal year, GABC's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 3.51 0.18 0.21 0.32 0.36
Quick Ratio
 3.51 0.18 0.21 0.32 0.36
Cash Ratio
 2.35 0.01 0.01 0.01 0.01
Solvency Ratio
 0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
 4.89 0.02 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 4.89 3.63 1.68 1.63 1.09
Net Current Asset Value
$ -7.09B$ -5.99B$ -4.46B$ -3.81B$ -3.64B
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 0.03 0.03 0.03
Debt-to-Equity Ratio
 0.15 0.16 0.29 0.29 0.36
Debt-to-Capital Ratio
 0.13 0.14 0.23 0.23 0.27
Long-Term Debt-to-Capital Ratio
 0.10 0.11 0.17 0.16 0.15
Financial Leverage Ratio
 7.14 7.22 8.80 9.27 11.02
Debt Service Coverage Ratio
 1.02 0.66 0.59 0.72 0.77
Interest Coverage Ratio
 1.37 1.11 1.04 1.57 5.41
Debt to Market Cap
 0.10 0.13 0.17 0.20 0.18
Interest Debt Per Share
 7.94 8.39 10.47 8.80 7.54
Net Debt to EBITDA
 0.52 0.79 1.24 1.01 1.17
Profitability Margins
Gross Profit Margin
74.10%70.17%67.27%78.30%91.12%
EBIT Margin
33.74%28.74%33.01%32.70%35.67%
EBITDA Margin
38.38%28.74%35.95%35.67%39.31%
Operating Profit Margin
33.74%28.74%33.01%32.70%35.67%
Pretax Profit Margin
33.74%28.74%33.01%32.70%35.67%
Net Profit Margin
27.09%23.11%26.57%27.10%29.43%
Continuous Operations Profit Margin
27.09%23.11%26.57%27.10%29.43%
Net Income Per EBT
80.30%80.41%80.51%82.87%82.50%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.61%1.34%1.33%1.40%1.33%
Return on Equity (ROE)
11.95%9.69%11.72%12.94%14.65%
Return on Capital Employed (ROCE)
2.02%10.34%11.44%12.44%15.00%
Return on Invested Capital (ROIC)
1.61%8.05%8.67%9.55%10.74%
Return on Tangible Assets
1.70%1.41%1.37%1.44%1.37%
Earnings Yield
8.25%7.81%7.03%8.97%7.45%
Efficiency Ratios
Receivables Turnover
 13.25 0.00 0.00 0.00 2.24
Payables Turnover
 0.00 0.00 0.00 0.00 0.56
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.64 3.51 3.03 2.97 2.48
Asset Turnover
 0.06 0.06 0.05 0.05 0.05
Working Capital Turnover Ratio
 -0.17 -0.10 -0.08 -0.09 -0.09
Cash Conversion Cycle
 27.55 0.00 0.00 0.00 -483.85
Days of Sales Outstanding
 27.55 0.00 0.00 0.00 162.73
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 646.58
Operating Cycle
 27.55 0.00 0.00 0.00 162.73
Cash Flow Ratios
Operating Cash Flow Per Share
 4.22 4.33 3.23 3.63 3.73
Free Cash Flow Per Share
 4.09 4.19 3.06 3.43 3.47
CapEx Per Share
 0.14 0.14 0.17 0.19 0.27
Free Cash Flow to Operating Cash Flow
 0.97 0.97 0.95 0.95 0.93
Dividend Paid and CapEx Coverage Ratio
 3.22 3.28 2.60 3.05 3.16
Capital Expenditure Coverage Ratio
 30.90 29.97 18.97 18.67 14.01
Operating Cash Flow Coverage Ratio
 0.91 0.87 0.46 0.55 0.54
Operating Cash Flow to Sales Ratio
 0.32 0.33 0.30 0.34 0.40
Free Cash Flow Yield
9.33%10.68%7.61%10.59%9.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.28 12.80 14.23 11.15 13.43
Price-to-Sales (P/S) Ratio
 3.33 2.96 3.78 3.02 3.95
Price-to-Book (P/B) Ratio
 1.41 1.24 1.67 1.44 1.97
Price-to-Free Cash Flow (P/FCF) Ratio
 10.85 9.36 13.15 9.44 10.76
Price-to-Operating Cash Flow Ratio
 10.49 9.05 12.46 8.93 9.99
Price-to-Earnings Growth (PEG) Ratio
 0.26 1.57 -5.18 2.39 -1.09
Price-to-Fair Value
 1.41 1.24 1.67 1.44 1.97
Enterprise Value Multiple
 9.19 11.08 11.76 9.49 11.23
Enterprise Value
 1.74B 1.55B 1.33B 1.07B 1.23B
EV to EBITDA
 9.09 11.08 11.76 9.49 11.23
EV to Sales
 3.49 3.19 4.23 3.38 4.41
EV to Free Cash Flow
 11.36 10.08 14.70 10.57 12.01
EV to Operating Cash Flow
 10.99 9.74 13.92 10.00 11.15
Tangible Book Value Per Share
 20.47 20.47 17.94 16.13 12.51
Shareholders’ Equity Per Share
 31.31 31.59 24.11 22.45 18.95
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.19 0.17 0.17
Revenue Per Share
 13.31 13.25 10.63 10.72 9.44
Net Income Per Share
 3.61 3.06 2.83 2.91 2.78
Tax Burden
 0.80 0.80 0.81 0.83 0.83
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.20 0.26 0.28 0.27 0.31
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 1.17 1.41 1.14 1.25 1.34
Currency in USD