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German American Bancorp, Inc.(GABC)Earnings, Financials & Key Ratios
GABC•NASDAQ•Banking & Credit
14.7× P/E·Price updated Jun 19, 2026
AboutGerman American Bancorp, Inc. operates as a bank holding company for German American Bank that provides retail and commercial banking services. The company operates through three segments: Core Banking, Wealth Management Services, and Insurance Operations. The Core Banking segment accepts deposits from the general public; and originates consumer, commercial and agricultural, commercial and agricultural real estate, and residential mortgage loans, as well as sells residential mortgage loans in the secondary market. The Wealth Management segment provides trust, investment advisory, brokerage, and retirement planning services. The Insurance Operations segment offers a range of personal and corporate property and casualty insurance products. As of December 31, 2021, the company operated 77 banking offices in 19 contiguous southern Indiana counties; and 14 counties in Kentucky. German American Bancorp, Inc. was founded in 1910 and is based in Jasper, Indiana.Show more
- Net Interest Income$294M+54.3%
- Total Revenue$487M+54.5%
- Net Income$113M+34.4%
- Return on Equity12%-1.3%
- Net Interest Margin3.51%+15.8%
- Efficiency Ratio41.43%+20.9%
- ROA1.53%+13.9%
- Equity / Assets13.86%+22.0%
- Book Value per Share31.59+31.0%
GABC Key Insights
German American Bancorp, Inc. (GABC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 3.5%
- ✓Efficient operations: 41.4% efficiency ratio
- ✓13 consecutive years of dividend growth
- ✓Well capitalized: 13.9% equity/assets
- ✓Healthy dividend yield of 2.6%
✗Weaknesses
- ✗Shares diluted 24.1% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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GABC Price & Volume
German American Bancorp, Inc. (GABC) stock price & volume — 10-year historical chart
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GABC Growth Metrics
German American Bancorp, Inc. (GABC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years16.15%
5 Years16.32%
3 Years20.57%
TTM-
Profit CAGR
10 Years14.12%
5 Years12.61%
3 Years11.24%
TTM34.39%
EPS CAGR
10 Years7.32%
5 Years5.51%
3 Years3.25%
TTM8.16%
Return on Capital
10 Years11.97%
5 Years13.15%
3 Years12.73%
Last Year12.37%
GABC Recent Earnings
German American Bancorp, Inc. (GABC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.88-2.2%
$0.90
Rev
$97M+1.7%
$96M
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.96+6.7%
$0.90
Rev
$98M+3.4%
$95M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.92+7.0%
$0.86
Rev
$94M+1.3%
$93M
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.86+3.6%
$0.83
Rev
$90M-2.2%
$92M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.88vs $0.90-2.2% | $97Mvs $96M+1.7% |
| Q1 2026 | Jan 26, 2026 | $0.96vs $0.90+6.7% | $98Mvs $95M+3.4% |
| Q4 2025 | Oct 27, 2025 | $0.92vs $0.86+7.0% | $94Mvs $93M+1.3% |
| Q3 2025 | Jul 28, 2025 | $0.86vs $0.83+3.6% | $90Mvs $92M-2.2% |
Based on last 12 quarters of dataView full earnings history →
GABC Peer Comparison
German American Bancorp, Inc. (GABC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 HOMB | 5.47B | 27.65 | 11.47 | -5.35% | 34.59% | 11.43% | 0.22 | |
 SFNC | 3.18B | 21.90 | -7.42 | -56.66% | -64.33% | -11.48% | 0.19 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 FULT | 4.41B | 22.90 | 11.01 | 5.03% | 20.7% | 11.6% | 0.37 | |
 UBSI | 6.2B | 44.42 | 13.58 | 12.33% | 25.52% | 8.6% | 0.17 | |
 ONB | 9.58B | 24.80 | 13.85 | 25.48% | 18.04% | 8.51% | 0.88 | |
 FBNC | 2.52B | 60.76 | 22.67 | 2.32% | 20.45% | 7.03% | 0.05 |
Compare GABC vs Peers
German American Bancorp, Inc. (GABC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GABC Income Statement
German American Bancorp, Inc. (GABC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 99.91M | 114.61M | 145.22M | 155.24M | 160.83M | 200.58M | 190.43M | 190.59M | 294.13M |
NII Growth % | 5.27% | 14.71% | 26.71% | 6.9% | 3.6% | 24.72% | -5.06% | 0.08% | 54.33% |
Net Interest Margin % | 3.18% | 2.92% | 3.3% | 3.12% | 2.87% | 3.26% | 3.1% | 3.03% | 3.51% |
Interest Income | 111.03M | 133.75M | 176.47M | 174.37M | 170.38M | 218.93M | 256.66M | 291.04M | 420.09M |
Interest Expense | 11.12M | 19.14M | 31.25M | 19.13M | 9.55M | 18.34M | 66.22M | 100.45M | 125.96M |
Loan Loss Provision | 1.75M | 2.07M | 5.33M | 17.55M | -6.5M | 6.35M | 2.55M | 2.77M | 19.43M |
Non-Interest Income | 31.85M | 37.07M | 45.5M | 54.47M | 59.46M | 59.13M | 60.26M | 24.34M | 67.31M |
Non-Interest Income % | 22.29% | 21.7% | 20.5% | 23.8% | 25.87% | 21.27% | 19.01% | 7.72% | 13.81% |
Total Revenue | 142.88M▲ 0% | 170.82M▲ 19.6% | 221.97M▲ 29.9% | 228.84M▲ 3.1% | 229.84M▲ 0.4% | 278.06M▲ 21.0% | 316.92M▲ 14.0% | 315.38M▼ 0.5% | 487.4M▲ 54.5% |
Revenue Growth % | 5.54% | 19.55% | 29.95% | 3.09% | 0.44% | 20.98% | 13.97% | -0.48% | 54.54% |
Non-Interest Expense | 77.8M | 93.55M | 114.16M | 117.12M | 124.01M | 154.19M | 144.5M | 108.05M | 201.95M |
Efficiency Ratio | 54.45% | 54.77% | 51.43% | 51.18% | 53.95% | 55.45% | 45.59% | 34.26% | 41.43% |
Operating Income | 52.21M▲ 0% | 56.06M▲ 7.4% | 71.24M▲ 27.1% | 75.04M▲ 5.3% | 102.78M▲ 37.0% | 99.18M▼ 3.5% | 103.65M▲ 4.5% | 104.1M▲ 0.4% | 140.07M▲ 34.6% |
Operating Margin % | 36.54% | 32.82% | 32.09% | 32.79% | 44.72% | 35.67% | 32.7% | 33.01% | 28.74% |
Operating Income Growth % | 6.27% | 7.37% | 27.08% | 5.34% | 36.97% | -3.51% | 4.51% | 0.44% | 34.55% |
Pretax Income | 52.21M▲ 0% | 56.06M▲ 7.4% | 71.24M▲ 27.1% | 75.04M▲ 5.3% | 102.78M▲ 37.0% | 99.18M▼ 3.5% | 103.65M▲ 4.5% | 104.1M▲ 0.4% | 140.07M▲ 34.6% |
Pretax Margin % | 36.54% | 32.82% | 32.09% | 32.79% | 44.72% | 35.67% | 32.7% | 33.01% | 28.74% |
Income Tax | 11.53M | 9.53M | 12.02M | 12.83M | 18.65M | 17.35M | 17.76M | 20.29M | 27.43M |
Effective Tax Rate % | 22.09% | 17% | 16.87% | 17.1% | 18.14% | 17.5% | 17.13% | 19.49% | 19.59% |
Net Income | 40.68M▲ 0% | 46.53M▲ 14.4% | 59.22M▲ 27.3% | 62.21M▲ 5.0% | 84.14M▲ 35.2% | 81.83M▼ 2.7% | 85.89M▲ 5.0% | 83.81M▼ 2.4% | 112.64M▲ 34.4% |
Net Margin % | 28.47% | 27.24% | 26.68% | 27.18% | 36.61% | 29.43% | 27.1% | 26.57% | 23.11% |
Net Income Growth % | 15.61% | 14.39% | 27.28% | 5.05% | 35.25% | -2.75% | 4.97% | -2.42% | 34.39% |
Net Income (Continuing) | 40.68M | 46.53M | 59.22M | 62.21M | 84.14M | 81.83M | 85.89M | 83.81M | 112.64M |
EPS (Diluted) | 1.77▲ 0% | 1.99▲ 12.4% | 2.29▲ 15.1% | 2.34▲ 2.2% | 3.17▲ 35.5% | 2.78▼ 12.3% | 2.91▲ 4.7% | 2.83▼ 2.7% | 3.06▲ 8.1% |
EPS Growth % | 12.74% | 12.43% | 15.08% | 2.18% | 35.47% | -12.3% | 4.68% | -2.75% | 8.13% |
EPS (Basic) | 1.77 | 1.99 | 2.29 | 2.34 | 3.17 | 2.78 | 2.91 | 2.83 | 3.06 |
Diluted Shares Outstanding | 22.93M | 23.38M | 25.82M | 26.54M | 26.54M | 29.46M | 29.56M | 29.66M | 36.8M |
GABC Balance Sheet
German American Bancorp, Inc. (GABC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 787.91M | 877.41M | 916.78M | 1.28B | 1.94B | 1.84B | 1.68B | 1.12B | 1.23B |
Cash & Due from Banks | 47.27M | 64.55M | 61.96M | 59.21M | 47.92M | 75.98M | 79.31M | 69.75M | 71.93M |
Short Term Investments | 740.64M | 812.61M | 854.83M | 1.22B | 1.89B | 1.76B | 1.6B | 1.06B | 1.16B |
Total Investments | 2.87B | 3.53B | 3.93B | 4.28B | 4.87B | 5.51B | 5.53B | 5.61B | 7.46B |
Investments Growth % | 6.42% | 22.82% | 11.45% | 8.71% | 13.83% | 13.22% | 0.33% | 1.39% | 33.12% |
Long-Term Investments | 2.13B | 2.72B | 3.08B | 3.06B | 2.98B | 3.75B | 3.93B | 4.55B | 6.3B |
Accounts Receivables | 30.45M | 35.33M | 44.21M | 43.99M | 43.52M | 123.97M | 0 | 0 | 0 |
Goodwill & Intangibles | 56.16M | 113.64M | 133.96M | 130.94M | 127.61M | 189.78M | 186.66M | 183.04M | 409.26M |
Goodwill | 54.06M | 103.68M | 121.31M | 121.96M | 121.76M | 180.36M | 180.36M | 179.03M | 375.47M |
Intangible Assets | 2.1M | 9.96M | 12.66M | 8.98M | 5.84M | 9.43M | 6.31M | 4.02M | 33.79M |
PP&E (Net) | 54.25M | 80.63M | 96.65M | 96.59M | 88.86M | 112.24M | 106.78M | 104.05M | 139M |
Other Assets | 82.58M | 105.23M | 127.19M | 370.52M | 432.83M | 142.64M | 249.72M | 332.73M | 305.62M |
Total Current Assets | 818.36M | 912.74M | 960.99M | 1.32B | 1.98B | 1.96B | 1.68B | 1.12B | 1.23B |
Total Non-Current Assets | 2.33B | 3.02B | 3.44B | 3.66B | 3.63B | 4.19B | 4.48B | 5.17B | 7.15B |
Total Assets | 3.14B▲ 0% | 3.93B▲ 25.0% | 4.4B▲ 11.9% | 4.98B▲ 13.2% | 5.61B▲ 12.7% | 6.16B▲ 9.8% | 6.15B▼ 0.1% | 6.3B▲ 2.3% | 8.39B▲ 33.2% |
Asset Growth % | 6.37% | 24.96% | 11.93% | 13.19% | 12.68% | 9.76% | -0.06% | 2.34% | 33.24% |
Return on Assets (ROA) | 1.33% | 1.32% | 1.42% | 1.33% | 1.59% | 1.39% | 1.4% | 1.35% | 1.53% |
Accounts Payable | 20.52M | 21.41M | 44.15M | 51.81M | 43.58M | 43.74M | 0 | 0 | 0 |
Total Debt | 275.22M | 376.41M | 349.69M | 194.53M | 152.18M | 203.81M | 193.94M | 210.13M | 182.68M |
Net Debt | 227.95M | 311.86M | 287.73M | 135.32M | 104.27M | 127.83M | 114.63M | 140.38M | 110.75M |
Long-Term Debt | 138.07M | 123.11M | 178.57M | 138.4M | 80.8M | 99.79M | 125.33M | 150.87M | 136.69M |
Short-Term Debt | 133.5M | 249.77M | 167.74M | 52.91M | 68.33M | 101.16M | 65.97M | 56.86M | 43.85M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 41.74M | 41.64M | 54.03M |
Total Current Liabilities | 2.64B | 3.34B | 3.64B | 4.21B | 4.86B | 5.49B | 5.32B | 5.39B | 7.03B |
Total Non-Current Liabilities | 141.72M | 126.64M | 181.95M | 141.62M | 83.86M | 102.64M | 169.71M | 194.91M | 192.86M |
Total Liabilities | 2.78B | 3.47B | 3.82B | 4.35B | 4.94B | 5.6B | 5.49B | 5.58B | 7.23B |
Total Equity | 364.57M▲ 0% | 458.64M▲ 25.8% | 573.82M▲ 25.1% | 624.71M▲ 8.9% | 668.46M▲ 7.0% | 558.39M▼ 16.5% | 663.56M▲ 18.8% | 715.07M▲ 7.8% | 1.16B▲ 62.5% |
Equity Growth % | 10.39% | 25.8% | 25.11% | 8.87% | 7% | -16.47% | 18.83% | 7.76% | 62.55% |
Equity / Assets (Capital Ratio) | 11.59% | 11.67% | 13.05% | 12.55% | 11.92% | 9.07% | 10.79% | 11.36% | 13.86% |
Return on Equity (ROE) | 11.71% | 11.3% | 11.47% | 10.38% | 13.01% | 13.34% | 14.06% | 12.16% | 12% |
Book Value per Share | 15.90 | 19.62 | 22.22 | 23.54 | 25.19 | 18.95 | 22.45 | 24.11 | 31.59 |
Tangible BV per Share | 13.45 | 14.75 | 17.03 | 18.61 | 20.38 | 12.51 | 16.13 | 17.94 | 20.47 |
Common Stock | 22.93M | 24.97M | 26.67M | 26.5M | 26.55M | 29.49M | 29.59M | 29.68M | 37.5M |
Additional Paid-in Capital | 165.29M | 229.35M | 278.95M | 274.38M | 276.06M | 387.17M | 389.41M | 392.27M | 706.82M |
Retained Earnings | 178.97M | 211.42M | 253.09M | 288.45M | 350.36M | 405.17M | 461.62M | 513.59M | 582.95M |
Accumulated OCI | -2.62M | -7.1M | 15.11M | 35.38M | 15.48M | -263.44M | -217.06M | -220.46M | -164.93M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
GABC Cash Flow Statement
German American Bancorp, Inc. (GABC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 54.88M | 62.33M | 65.23M | 92.42M | 100.84M | 110.04M | 107.23M | 95.76M | 159.32M |
Operating CF Growth % | 30.93% | 13.59% | 4.65% | 41.68% | 9.12% | 9.12% | -2.55% | -10.7% | 66.36% |
Net Income | 40.68M | 46.53M | 59.22M | 62.21M | 84.14M | 81.83M | 85.89M | 83.81M | 112.64M |
Depreciation & Amortization | 4.69M | 6.18M | 8.63M | 9.43M | 8.77M | 10.12M | 9.56M | 9.28M | 18.71M |
Deferred Taxes | 2.49M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 12.9M | 6.21M | -6.8M | 18.22M | 4.68M | 15.23M | 8.9M | -665K | 15.42M |
Working Capital Changes | -4.64M | 2.05M | 2.89M | 1.51M | 1.53M | 532K | 552K | 394K | 9.67M |
Cash from Investing | -189.28M | -38.8M | 30.66M | -346.08M | -640.3M | -24.18M | 27.25M | -82.4M | -60.27M |
Purchase of Investments | -156.8M | -140.6M | -169.64M | -664.99M | -1.02B | -417.94M | -183.3M | -722.3M | -620.32M |
Sale/Maturity of Investments | 129.41M | 169.73M | 197.77M | 326.82M | 319.78M | 289.15M | 401.34M | 760.57M | 772.67M |
Net Investment Activity | -27.39M | 29.12M | 28.13M | -338.17M | -700.92M | -128.79M | 218.04M | 38.27M | 152.35M |
Acquisitions | 0 | 25.13M | 5.54M | 0 | 1.69M | 207.76M | 0 | 0 | 22.66M |
Other Investing | 0 | -77.87M | 6.37M | -836K | 63.61M | -95.3M | -185.04M | -115.62M | -229.97M |
Cash from Financing | 139.95M | 2.66M | -88.56M | 495.52M | 590.6M | -363.67M | -136.54M | 60.1M | -169.46M |
Dividends Paid | -11.84M | -14.07M | -17.56M | -20.14M | -22.22M | -27.02M | -29.43M | -31.84M | -43.28M |
Share Repurchases | -29K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 2.61M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -29K | 2.61M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K |
Other Financing | 134.74M | -11.11M | -13.01M | 676.91M | 655.49M | -324.77M | -96.78M | 76.2M | -69.76M |
Net Change in Cash | 5.54M▲ 0% | 26.19M▲ 372.5% | 7.33M▼ 72.0% | 241.86M▲ 3197.8% | 51.14M▼ 78.9% | -277.81M▼ 643.2% | -2.05M▲ 99.3% | 73.46M▲ 3681.8% | -70.41M▼ 195.8% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 64.82M | 70.36M | 96.55M | 103.88M | 345.75M | 395.19M | 117.38M | 115.33M | 188.79M |
Cash at End | 70.36M | 96.55M | 103.88M | 345.75M | 396.89M | 117.38M | 115.33M | 188.79M | 118.38M |
Interest Paid | 10.85M | 18.24M | 30.77M | 20.48M | 10.02M | 17.44M | 60.66M | 99.06M | 124.18M |
Income Taxes Paid | 12.46M | 5.92M | 7.98M | 11.51M | 14.43M | 11.65M | 15.38M | 17.82M | 18.93M |
Free Cash Flow | 43.69M▲ 0% | 47.15M▲ 7.9% | 55.85M▲ 18.5% | 85.35M▲ 52.8% | 96.16M▲ 12.7% | 102.18M▲ 6.3% | 101.49M▼ 0.7% | 90.72M▼ 10.6% | 154M▲ 69.8% |
FCF Growth % | 19.12% | 7.9% | 18.47% | 52.8% | 12.67% | 6.27% | -0.68% | -10.61% | 69.76% |
GABC Banking Ratios
German American Bancorp, Inc. (GABC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 12.08% | 11.71% | 11.3% | 11.47% | 10.38% | 13.01% | 13.34% | 14.06% | 12.16% | 12% |
Return on Assets (ROA) | 1.32% | 1.33% | 1.32% | 1.42% | 1.33% | 1.59% | 1.39% | 1.4% | 1.35% | 1.53% |
Net Interest Margin | 3.21% | 3.18% | 2.92% | 3.3% | 3.12% | 2.87% | 3.26% | 3.1% | 3.03% | 3.51% |
Efficiency Ratio | 56.57% | 54.45% | 54.77% | 51.43% | 51.18% | 53.95% | 55.45% | 45.59% | 34.26% | 41.43% |
Equity / Assets | 11.17% | 11.59% | 11.67% | 13.05% | 12.55% | 11.92% | 9.07% | 10.79% | 11.36% | 13.86% |
Book Value / Share | 14.75 | 15.9 | 19.62 | 22.22 | 23.54 | 25.19 | 18.95 | 22.45 | 24.11 | 31.59 |
NII Growth | 25.61% | 5.27% | 14.71% | 26.71% | 6.9% | 3.6% | 24.72% | -5.06% | 0.08% | 54.33% |
Dividend Payout | 30.21% | 29.11% | 30.25% | 29.64% | 32.37% | 26.41% | 33.02% | 34.27% | 38% | 38.42% |
Related:GABC Dividend History·GABC Revenue History·GABC Price History·GABC P/E History·GABC Financial Ratios·GABC Institutional Holders
GABC SEC Filings & Documents
German American Bancorp, Inc. (GABC) SEC filings — annual & quarterly reports (10-K, 10-Q)
GABC Frequently Asked Questions
German American Bancorp, Inc. (GABC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
German American Bancorp, Inc. (GABC) grew revenue by 54.5% over the past year. This is strong growth.
Yes, German American Bancorp, Inc. (GABC) is profitable, generating $112.6M in net income for fiscal year 2025 (23.1% net margin).
Dividend & Returns
Yes, German American Bancorp, Inc. (GABC) pays a dividend with a yield of 2.61%. This makes it attractive for income-focused investors.
German American Bancorp, Inc. (GABC) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.
Industry Metrics
German American Bancorp, Inc. (GABC) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
German American Bancorp, Inc. (GABC) has an efficiency ratio of 41.4%. This is excellent, indicating strong cost control.