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STOCKS

German American Bancorp (GABC)

NASDAQ:GABC

GABC

German American Bancorp

RESEARCH TOOLSreports

German American Bancorp (GABC) Ratios

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108 Followers

German American Bancorp Ratios

GABC's free cash flow for Q3 2025 was $0.74. For the 2025 fiscal year, GABC's free cash flow was decreased by $ and operating cash flow was $0.35. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.18	0.21	0.32	1.74	10.12
Quick Ratio	0.18	0.21	0.32	5.69	19.71
Cash Ratio	0.02	0.01	0.01	1.12	1.08
Solvency Ratio	0.02	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	1.60	2.31
Short-Term Operating Cash Flow Coverage	4.47	1.68	1.63	4.40	0.00
Net Current Asset Value	$ -6.03B	$ -4.46B	$ -3.81B	$ -5.48B	$ -4.50B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.03	0.04	0.03
Debt-to-Equity Ratio	0.19	0.29	0.29	0.41	0.23
Debt-to-Capital Ratio	0.16	0.23	0.23	0.29	0.19
Long-Term Debt-to-Capital Ratio	0.14	0.17	0.16	0.15	0.11
Financial Leverage Ratio	7.50	8.80	9.27	11.02	8.39
Debt Service Coverage Ratio	0.76	0.59	0.72	2.12	9.73
Interest Coverage Ratio	1.03	1.04	1.57	6.41	10.76
Debt to Market Cap	0.14	0.17	0.20	0.11	0.08
Interest Debt Per Share	9.08	10.47	8.80	8.39	6.09
Net Debt to EBITDA	0.69	1.24	1.01	1.39	0.94
Profitability Margins
Gross Profit Margin	69.29%	67.27%	78.30%	90.98%	91.09%
EBIT Margin	27.68%	33.01%	32.70%	38.19%	46.66%
EBITDA Margin	31.23%	35.95%	35.67%	42.08%	50.64%
Operating Profit Margin	27.68%	33.01%	32.70%	45.25%	46.66%
Pretax Profit Margin	27.68%	33.01%	32.70%	38.19%	46.66%
Net Profit Margin	22.19%	26.57%	27.10%	31.51%	38.19%
Continuous Operations Profit Margin	22.19%	26.57%	27.10%	31.51%	38.19%
Net Income Per EBT	80.17%	80.51%	82.87%	82.50%	81.86%
EBT Per EBIT	100.00%	100.00%	100.00%	84.39%	100.00%
Return on Assets (ROA)	1.19%	1.33%	1.40%	1.33%	1.50%
Return on Equity (ROE)	10.14%	11.72%	12.94%	14.65%	12.59%
Return on Capital Employed (ROCE)	9.23%	11.44%	12.44%	1.93%	1.85%
Return on Invested Capital (ROIC)	7.22%	8.67%	9.55%	4.44%	2.95%
Return on Tangible Assets	1.25%	1.37%	1.44%	1.37%	1.54%
Earnings Yield	6.58%	7.03%	8.97%	7.45%	8.13%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.54	0.45
Inventory Turnover	0.00	0.00	0.00	-0.09	-0.05
Fixed Asset Turnover	3.23	3.03	2.97	2.31	2.48
Asset Turnover	0.05	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.08	-0.08	-0.09	1.16	0.60
Cash Conversion Cycle	0.00	0.00	0.00	-4.91K	-8.58K
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	-4.22K	-7.77K
Days of Payables Outstanding	0.00	0.00	0.00	681.21	809.97
Operating Cycle	0.00	0.00	0.00	-4.22K	-7.77K
Cash Flow Ratios
Operating Cash Flow Per Share	3.98	3.23	3.63	3.73	3.80
Free Cash Flow Per Share	3.86	3.06	3.43	3.47	3.62
CapEx Per Share	0.12	0.17	0.19	0.27	0.18
Free Cash Flow to Operating Cash Flow	0.97	0.95	0.95	0.93	0.95
Dividend Paid and CapEx Coverage Ratio	3.25	2.60	3.05	3.16	3.75
Capital Expenditure Coverage Ratio	33.66	18.97	18.67	14.01	21.52
Operating Cash Flow Coverage Ratio	0.69	0.46	0.55	0.48	0.66
Operating Cash Flow to Sales Ratio	0.32	0.30	0.34	0.42	0.46
Free Cash Flow Yield	9.04%	7.61%	10.59%	9.30%	9.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.19	14.23	11.15	13.43	12.29
Price-to-Sales (P/S) Ratio	3.46	3.78	3.02	4.23	4.70
Price-to-Book (P/B) Ratio	1.36	1.67	1.44	1.97	1.55
Price-to-Free Cash Flow (P/FCF) Ratio	11.06	13.15	9.44	10.76	10.76
Price-to-Operating Cash Flow Ratio	10.47	12.46	8.93	9.99	10.26
Price-to-Earnings Growth (PEG) Ratio	1.75	-5.18	2.39	-1.09	0.35
Price-to-Fair Value	1.36	1.67	1.44	1.97	1.55
Enterprise Value Multiple	11.76	11.76	9.49	11.44	10.21
Enterprise Value	1.66B	1.33B	1.07B	1.25B	1.14B
EV to EBITDA	11.76	11.76	9.49	11.44	10.21
EV to Sales	3.67	4.23	3.38	4.82	5.17
EV to Free Cash Flow	11.76	14.70	10.57	12.24	11.85
EV to Operating Cash Flow	11.41	13.92	10.00	11.37	11.30
Tangible Book Value Per Share	19.37	17.94	16.13	12.51	20.38
Shareholders’ Equity Per Share	30.63	24.11	22.45	18.95	25.19
Tax and Other Ratios
Effective Tax Rate	0.20	0.19	0.17	0.17	0.18
Revenue Per Share	12.35	10.63	10.72	8.81	8.30
Net Income Per Share	2.74	2.83	2.91	2.78	3.17
Tax Burden	0.80	0.81	0.83	0.83	0.82
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	0.17	0.27	0.27	0.33	0.32
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.45	1.14	1.25	1.34	1.20

Currency in USD