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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 Q4 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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.18	0.18	0.21	0.32	0.36
Quick Ratio	0.18	0.18	0.21	0.32	0.36
Cash Ratio	0.01	0.01	0.01	0.01	0.01
Solvency Ratio	0.02	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	3.63	3.63	1.68	1.63	1.09
Net Current Asset Value	$ -5.99B	$ -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	0.16	0.16	0.29	0.29	0.36
Debt-to-Capital Ratio	0.14	0.14	0.23	0.23	0.27
Long-Term Debt-to-Capital Ratio	0.11	0.11	0.17	0.16	0.15
Financial Leverage Ratio	7.22	7.22	8.80	9.27	11.02
Debt Service Coverage Ratio	0.82	0.66	0.59	0.72	0.77
Interest Coverage Ratio	1.11	1.11	1.04	1.57	5.41
Debt to Market Cap	0.12	0.13	0.17	0.20	0.18
Interest Debt Per Share	8.23	8.39	10.47	8.80	7.54
Net Debt to EBITDA	0.66	0.79	1.24	1.01	1.17
Profitability Margins
Gross Profit Margin	70.17%	70.17%	67.27%	78.30%	91.12%
EBIT Margin	28.74%	28.74%	33.01%	32.70%	35.67%
EBITDA Margin	34.26%	28.74%	35.95%	35.67%	39.31%
Operating Profit Margin	28.74%	28.74%	33.01%	32.70%	35.67%
Pretax Profit Margin	28.74%	28.74%	33.01%	32.70%	35.67%
Net Profit Margin	23.11%	23.11%	26.57%	27.10%	29.43%
Continuous Operations Profit Margin	23.11%	23.11%	26.57%	27.10%	29.43%
Net Income Per EBT	80.41%	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)	1.34%	1.34%	1.33%	1.40%	1.33%
Return on Equity (ROE)	10.25%	9.69%	11.72%	12.94%	14.65%
Return on Capital Employed (ROCE)	10.34%	10.34%	11.44%	12.44%	15.00%
Return on Invested Capital (ROIC)	8.05%	8.05%	8.67%	9.55%	10.74%
Return on Tangible Assets	1.41%	1.41%	1.37%	1.44%	1.37%
Earnings Yield	7.56%	7.81%	7.03%	8.97%	7.45%
Efficiency Ratios
Receivables Turnover	0.00	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	3.51	3.51	3.03	2.97	2.48
Asset Turnover	0.06	0.06	0.05	0.05	0.05
Working Capital Turnover Ratio	-0.08	-0.10	-0.08	-0.09	-0.09
Cash Conversion Cycle	0.00	0.00	0.00	0.00	-483.85
Days of Sales Outstanding	0.00	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	0.00	0.00	0.00	0.00	162.73
Cash Flow Ratios
Operating Cash Flow Per Share	4.25	4.33	3.23	3.63	3.73
Free Cash Flow Per Share	4.11	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	3.28	3.28	2.60	3.05	3.16
Capital Expenditure Coverage Ratio	29.97	29.97	18.97	18.67	14.01
Operating Cash Flow Coverage Ratio	0.87	0.87	0.46	0.55	0.54
Operating Cash Flow to Sales Ratio	0.33	0.33	0.30	0.34	0.40
Free Cash Flow Yield	10.33%	10.68%	7.61%	10.59%	9.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.23	12.80	14.23	11.15	13.43
Price-to-Sales (P/S) Ratio	3.06	2.96	3.78	3.02	3.95
Price-to-Book (P/B) Ratio	1.28	1.24	1.67	1.44	1.97
Price-to-Free Cash Flow (P/FCF) Ratio	9.68	9.36	13.15	9.44	10.76
Price-to-Operating Cash Flow Ratio	9.35	9.05	12.46	8.93	9.99
Price-to-Earnings Growth (PEG) Ratio	2.24	1.57	-5.18	2.39	-1.09
Price-to-Fair Value	1.28	1.24	1.67	1.44	1.97
Enterprise Value Multiple	9.59	11.08	11.76	9.49	11.23
Enterprise Value	1.60B	1.55B	1.33B	1.07B	1.23B
EV to EBITDA	9.59	11.08	11.76	9.49	11.23
EV to Sales	3.29	3.19	4.23	3.38	4.41
EV to Free Cash Flow	10.40	10.08	14.70	10.57	12.01
EV to Operating Cash Flow	10.05	9.74	13.92	10.00	11.15
Tangible Book Value Per Share	20.09	20.47	17.94	16.13	12.51
Shareholders’ Equity Per Share	31.00	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	13.00	13.25	10.63	10.72	9.44
Net Income Per Share	3.00	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	0.18	0.26	0.27	0.27	0.31
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.41	1.41	1.14	1.25	1.34

Currency in USD