GABC FINANCIAL STATEMENTS

German American Bancorp Inc — balance sheet, income statement and cash flow trends

GABCGerman American Bancorp Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue499.3 M $+45.8%

Gross Profit370 M $+69.4%

Operating Income168.4 M $+78.7%

EBITDA196.5 M $+87.3%

Net Income135.3 M $+79.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
GABC	—	—	—	27.1%
KLNMA	—	—	—	58.1%
LB	—	—	—	1.4%
BFL	—	—	—	30.2%
BOQ	—	—	—	2.0%
SKBNK	—	—	—	14.2%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.2 B $14%
Current Liabilities32.4 M $0%
Long-term Liabilities7.2 B $86%

Key Figures

YoY change

Total Assets8.4 B $-0.4%

Total Liabilities7.2 B $-2.2%

Total Equity1.2 B $+12.3%

Cash & ST Investments76 M $-93.6%

Total Debt174.7 M $-19.3%

Net Debt98.7 M $-27.9%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
GABC	3.51	14.9%	0.50	14.0%
KLNMA	—	0.0%	-0.00	17.7%
LB	0.01	744.5%	280.57	5.3%
BFL	33.68	9.1%	-3.30	12.0%
BOQ	0.05	258.4%	49.89	6.0%
SKBNK	—	0.0%	-13.41	5.9%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
GABC	3.51	14.9%	0.50	14.0%
TCBK	0.04	6.0%	-1.15	13.3%
RBCAA	7.37	42.3%	-0.68	15.6%
HOPE	2.28	17.4%	-2.12	12.2%
STBA	1.97	10.5%	0.51	14.4%
DCOM	0.21	47.3%	-10.95	10.0%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow158.4 M $+44.2%

Capital Expenditures5.1 M $+1.3%

Free Cash Flow153.3 M $+46.3%

Dividends Paid-44 M $-226.9%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
GABC	31.7%	30.7%	1.0%	117.1%
KLNMA	58.1%	57.8%	0.3%	100.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
BFL	116.9%	27.7%	2.8%	386.6%
BOQ	13.1%	13.0%	0.2%	668.4%
SKBNK	14.2%	31.2%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
GABC	31.7%	30.7%	1.0%	117.1%
TCBK	26.4%	25.6%	0.8%	110.6%
RBCAA	29.9%	27.8%	2.2%	116.9%
HOPE	15.5%	13.7%	1.7%	226.5%
STBA	25.9%	25.8%	1.1%	109.2%
DCOM	22.7%	22.1%	0.7%	136.6%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.