German American Bancorp, Inc. (GABC) Earnings History
Steady Earner34 years of earnings data (1992–2025) · Positive but moderate multi-year EPS trajectory
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German American Bancorp, Inc. (GABC) Earnings Overview
As of June 21, 2026, German American Bancorp, Inc. (GABC) reported trailing twelve-month net income of $113M, reflecting +8.1% year-over-year growth. The company earned $3.00 per diluted share over the past four quarters, with a net profit margin of 23.1%.
Looking at the long-term picture, GABC's 5-year EPS compound annual growth rate (CAGR) stands at +5.5%, showing solid earnings momentum. The company achieved its highest annual net income of $113M in fiscal 2025, representing a new all-time high.
German American Bancorp, Inc. maintains industry-leading profitability with a gross margin of 70.2%, operating margin of 28.7%, and net margin of 23.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including HOMB ($475M net income, 34.6% margin), SFNC (-$398M net income, -63.4% margin), IBCP ($69M net income, 21.7% margin), GABC has room to improve margins relative to the peer group. Compare GABC vs HOMB →
GABC Earnings vs Peers
Earnings metrics vs comparable public companies
GABC Historical Earnings Data (1992–2025)
34 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $113M | +34.4% | $140M | $3.06 | 23.1% | 28.7% |
| 2024 | $84M | -2.4% | $104M | $2.83 | 26.6% | 33.0% |
| 2023 | $86M | +5.0% | $104M | $2.91 | 27.1% | 32.7% |
| 2022 | $82M | -2.7% | $99M | $2.78 | 29.4% | 35.7% |
| 2021 | $84M | +35.2% | $103M | $3.17 | 36.6% | 44.7% |
| 2020 | $62M | +5.0% | $75M | $2.34 | 27.2% | 32.8% |
| 2019 | $59M | +27.3% | $71M | $2.29 | 26.7% | 32.1% |
| 2018 | $47M | +14.4% | $56M | $1.99 | 27.2% | 32.8% |
| 2017 | $41M | +15.6% | $52M | $1.77 | 28.5% | 36.5% |
| 2016 | $35M | +17.0% | $49M | $1.57 | 26.0% | 36.3% |
| 2015 | $30M | +6.1% | $42M | $1.51 | 27.6% | 38.2% |
| 2014 | $28M | +11.5% | $40M | $1.43 | 27.2% | 38.7% |
| 2013 | $25M | +5.6% | $37M | $1.32 | 25.6% | 37.1% |
| 2012 | $24M | +18.8% | $35M | $1.27 | 24.3% | 35.1% |
| 2011 | $20M | +51.1% | $28M | $1.07 | 19.9% | 27.5% |
| 2010 | $13M | +9.7% | $19M | $0.81 | 16.5% | 23.5% |
| 2009 | $12M | -4.6% | $16M | $0.73 | 15.4% | 20.4% |
| 2008 | $13M | +36.1% | $18M | $0.77 | 14.9% | 21.4% |
| 2007 | $9M | -8.0% | $14M | $0.57 | 10.7% | 15.4% |
| 2006 | $10M | +5.1% | $14M | $0.62 | 12.8% | 17.8% |
| 2005 | $10M | +34.3% | $13M | $0.59 | 15.0% | 20.2% |
| 2004 | $7M | -11.4% | $8M | $0.44 | 12.6% | 14.4% |
| 2003 | $8M | -13.5% | $9M | $0.49 | 12.9% | 14.9% |
| 2002 | $9M | +2.7% | $11M | $0.52 | 13.5% | 16.3% |
| 2001 | $9M | +73.8% | $12M | $0.50 | 11.4% | 14.8% |
| 2000 | $5M | -43.5% | $6M | $0.29 | 6.5% | 7.0% |
| 1999 | $9M | +1.4% | $13M | $0.48 | 11.9% | 16.1% |
| 1998 | $9M | +26.3% | $13M | $0.76 | 12.4% | 17.5% |
| 1997 | $7M | +30.4% | $10M | $0.32 | 10.6% | 14.8% |
| 1996 | $6M | +40.0% | $9M | $0.16 | 12.9% | 19.5% |
| 1995 | $4M | +14.3% | $6M | $0.50 | 13.9% | 20.5% |
| 1994 | $4M | +20.7% | $5M | $0.13 | 14.7% | 21.4% |
| 1993 | $3M | +26.1% | $4M | $0.11 | 13.2% | 18.2% |
| 1992 | $2M | - | $3M | $0.09 | 12.2% | 17.6% |
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Intrinsic Valuation
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GABC — Frequently Asked Questions
Quick answers to the most common questions about buying GABC stock.
What is GABC earnings per share (EPS)?
GABC trailing twelve-month (TTM) diluted EPS is $3.00, reflecting +8.1% year-over-year growth. The 5-year EPS CAGR is +5.5%. Complete EPS history from 1992 to 2025 is available in the table on this page.
What is German American Bancorp, Inc.'s net income?
German American Bancorp, Inc. (GABC) trailing twelve-month net income is $113M as of 2025. Earnings grew +8.1% year-over-year. German American Bancorp, Inc. has been profitable for 34 consecutive years.
Is GABC profitable?
Yes, GABC is profitable with a TTM net income of $113M and a net profit margin of +23.1%. German American Bancorp, Inc. has generated profits for 34 consecutive years.
What is GABC's earnings growth rate?
GABC compound annual EPS growth rates (CAGR): 1-Year: +8.1%, 3-Year: +3.3%, 5-Year: +5.5%, 10-Year: +7.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1992 to 2025.
What are GABC's profit margins?
German American Bancorp, Inc. net profit margin is +23.1%, operating margin is +28.7%, and gross margin is +70.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.0%.
Is GABC growing earnings?
GABC is growing earnings steadily. YoY EPS growth of +8.1% is consistent with the 5-year CAGR of +5.5%. TTM net income is $113M.
What was GABC's best earnings year?
German American Bancorp, Inc.'s highest annual net income on record is $113M, achieved in fiscal year 2025. Earnings history on this page spans 1992 to 2025 and includes all annual and quarterly figures.
What were GABC's earnings last quarter?
GABC's most recent reported quarter was Q4 2025. Net income was $36M with diluted EPS of $0.95. For a full breakdown of all quarters, see the quarterly earnings table on this page.