Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
German American Bancorp, Inc.'s quarterly P/E stands at 10.3x, down 20.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 35.6% YoY to 6.9x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.41 | 10.31 | 10.44 | 11.19 | 31.25 | 12.89 | 13.64 | 12.81 | 13.53 | 11.10 | 9.28 | 9.06 | 11.75 |
| — | -20.0% | -23.5% | -12.6% | +130.9% | +16.1% | +47.1% | +41.4% | +15.2% | -1.2% | -13.7% | -14.1% | -61.6% | |
| P/S Ratio | 3.40 | 2.90 | 2.84 | 2.82 | 2.93 | 3.29 | 3.25 | 5.03 | 3.05 | 2.90 | 2.49 | 2.56 | 3.26 |
| — | -11.9% | -12.7% | -43.9% | -4.0% | +13.5% | +30.6% | +96.1% | -6.6% | -21.4% | -33.2% | -31.4% | -23.5% | |
| P/B Ratio | 1.40 | 1.26 | 1.28 | 1.30 | 1.24 | 1.67 | 1.54 | 1.52 | 1.56 | 1.44 | 1.49 | 1.33 | 1.63 |
| — | -24.3% | -17.0% | -14.8% | -20.5% | +15.6% | +3.8% | +14.3% | -3.8% | -26.7% | -30.1% | -24.0% | -5.5% | |
| P/FCF | 10.76 | 8.95 | 7.16 | 13.28 | 8.87 | 10.64 | 12.49 | 15.39 | 11.33 | 8.17 | 8.57 | 10.45 | 8.33 |
| — | -15.9% | -42.7% | -13.7% | -21.8% | +30.3% | +45.8% | +47.2% | +36.1% | -22.8% | +1.2% | -88.0% | +25.9% | |
| EV / EBITDA | 12.62 | 6.92 | 7.84 | 8.48 | 21.04 | 10.76 | 11.42 | 9.89 | 11.40 | 9.64 | 8.93 | 8.13 | 9.97 |
| — | -35.6% | -31.4% | -14.3% | +84.6% | +11.6% | +27.9% | +21.6% | +14.3% | +1.5% | +5.2% | -1.8% | -59.2% | |
| EV / EBIT | 12.62 | 9.01 | 8.76 | 9.52 | 26.96 | 11.63 | 12.44 | 10.76 | 12.55 | 10.53 | 9.74 | 8.86 | 10.93 |
| — | -22.5% | -29.6% | -11.5% | +114.8% | +10.4% | +27.7% | +21.4% | +14.8% | +2.8% | +6.2% | -1.9% | -64.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
German American Bancorp, Inc.'s operating margin was 34.6% in Q4 2025, up 0.0 pp QoQ and up 3.0 pp YoY. The trailing four-quarter average of 28.2% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.2% | 74.0% | 73.9% | 72.0% | 59.5% | 71.2% | 69.8% | 49.7% | 71.3% | 74.1% | 76.4% | 79.8% | 83.3% |
| — | +4.0% | +5.8% | +44.8% | -16.5% | -4.0% | -8.6% | -37.7% | -14.5% | -15.8% | -17.6% | -16.5% | -5.8% | |
| Operating Margin | 28.7% | 34.6% | 34.6% | 31.8% | 12.0% | 31.6% | 29.0% | 51.0% | 27.6% | 30.8% | 32.4% | 34.3% | 33.5% |
| — | +9.4% | +19.3% | -37.6% | -56.5% | +2.6% | -10.4% | +48.7% | -17.7% | -23.2% | -25.6% | -19.7% | +125.1% | |
| Net Margin | 23.1% | 28.2% | 27.7% | 25.5% | 9.5% | 25.6% | 23.8% | 39.3% | 22.6% | 26.0% | 26.7% | 28.2% | 27.6% |
| — | +10.1% | +16.5% | -35.3% | -58.1% | -1.7% | -10.8% | +39.5% | -18.0% | -20.5% | -23.4% | -19.9% | +99.1% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 3.1% | 3.2% | 3.0% | 1.2% | 3.2% | 2.9% | 3.1% | 2.9% | 3.6% | 3.8% | 3.7% | 3.6% |
| — | -1.7% | +9.0% | -3.0% | -58.6% | -11.1% | -21.8% | -16.5% | -19.3% | -22.8% | -18.3% | -5.6% | +159.8% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.1% | 0.4% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.3% |
| — | +15.0% | +24.6% | +12.8% | -53.9% | +4.5% | -5.2% | -9.3% | -9.4% | -10.0% | -7.9% | +1.8% | +132.3% | |
| ROIC | 9.3% | 2.5% | 2.5% | 2.3% | 0.9% | 2.3% | 2.1% | 2.3% | 2.0% | 2.3% | 2.4% | 2.5% | 2.4% |
| — | +7.0% | +18.2% | -1.1% | -55.2% | +1.1% | -9.6% | -5.4% | -16.1% | -29.0% | -30.3% | -12.4% | +170.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
German American Bancorp, Inc.'s Debt/EBITDA ratio is 3.2x, down from 4.3x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 16.0% YoY to 0.18x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.16 | 0.16 | 0.19 | 0.19 | 0.21 | 0.29 | 0.27 | 0.24 | 0.29 | 0.29 | 0.53 | 0.38 | 0.32 |
| — | -46.5% | -31.3% | -22.0% | -29.3% | +0.5% | -48.4% | -35.8% | -7.3% | -19.9% | +80.1% | +49.7% | +31.2% | |
| Debt / EBITDA | 1.30 | 3.20 | 4.31 | 4.59 | 12.68 | 6.78 | 7.31 | 5.76 | 7.52 | 6.97 | 10.07 | 7.77 | 6.90 |
| — | -52.8% | -41.0% | -20.3% | +68.7% | -2.8% | -27.5% | -25.8% | +8.9% | +10.5% | +129.2% | +68.2% | -45.2% | |
| Current Ratio | 0.18 | 0.18 | 0.18 | 0.17 | 0.17 | 0.21 | 0.31 | 0.27 | 0.31 | 0.32 | 0.33 | 0.34 | 0.36 |
| — | -16.0% | -42.0% | -35.4% | -45.5% | -33.7% | -6.7% | -21.7% | -14.5% | -11.7% | -3.6% | -2.9% | +1.8% | |
| Quick Ratio | 0.18 | 0.18 | 0.18 | 0.17 | 0.17 | 0.21 | 0.31 | 0.27 | 0.31 | 0.32 | 0.33 | 0.34 | 0.36 |
| — | -16.0% | -42.0% | -35.4% | -45.5% | -33.7% | -6.7% | -21.7% | -14.5% | -11.7% | -3.6% | -2.9% | +1.8% | |
| Interest Coverage | 1.11 | 1.43 | 1.35 | 1.18 | 0.45 | 1.12 | 0.98 | 1.04 | 1.00 | 1.19 | 1.44 | 1.76 | 2.20 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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German American Bancorp, Inc.'s current P/E is 14.4x. The average P/E over the last 4 quarters is 15.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
German American Bancorp, Inc.'s current operating margin is 28.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking German American Bancorp, Inc.'s business trajectory between earnings reports.