German American Bancorp(GABC)
$49.96-0.16 (-0.32%)
GABC
German American Bancorp financials statements
$49.96
At close:-0.16 (-0.32%)
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German American Bancorp (GABC) Ratios
110 Followers
German American Bancorp Ratios
GABC's free cash flow for Q3 2026 was $31.45M. For the 2026 fiscal year, GABC's free cash flow was decreased by $-1.82M and operating cash flow was $33.27M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.18 | 0.21 | 0.32 | 0.36 | 0.41 |
| Quick Ratio | 0.18 | 0.21 | 0.32 | 0.36 | 0.41 |
| 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 | 1.68 | 1.63 | 1.09 | 1.48 |
| Net Current Asset Value | $ -5.99B | $ -4.46B | $ -3.81B | $ -3.64B | $ -2.96B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
| Debt-to-Equity Ratio | 0.16 | 0.29 | 0.29 | 0.36 | 0.23 |
| Debt-to-Capital Ratio | 0.14 | 0.23 | 0.23 | 0.27 | 0.19 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.17 | 0.16 | 0.15 | 0.11 |
| Financial Leverage Ratio | 7.22 | 8.80 | 9.27 | 11.02 | 8.39 |
| Debt Service Coverage Ratio | 0.77 | 0.59 | 0.72 | 0.77 | 1.19 |
| Interest Coverage Ratio | 1.11 | 1.04 | 1.57 | 5.41 | 10.76 |
| Debt to Market Cap | 0.13 | 0.17 | 0.20 | 0.18 | 0.14 |
| Interest Debt Per Share | 8.39 | 10.47 | 8.80 | 7.54 | 6.09 |
| Net Debt to EBITDA | 0.70 | 1.24 | 1.01 | 1.17 | 0.93 |
| Profitability Margins | |||||
| Gross Profit Margin | 70.17% | 67.27% | 78.30% | 91.12% | 98.67% |
| EBIT Margin | 28.74% | 33.01% | 32.70% | 35.67% | 44.72% |
| EBITDA Margin | 32.58% | 35.95% | 35.67% | 39.31% | 48.54% |
| Operating Profit Margin | 28.74% | 33.01% | 32.70% | 35.67% | 44.72% |
| Pretax Profit Margin | 28.74% | 33.01% | 32.70% | 35.67% | 44.72% |
| Net Profit Margin | 23.11% | 26.57% | 27.10% | 29.43% | 36.61% |
| Continuous Operations Profit Margin | 23.11% | 26.57% | 27.10% | 29.43% | 36.61% |
| Net Income Per EBT | 80.41% | 80.51% | 82.87% | 82.50% | 81.86% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.34% | 1.33% | 1.40% | 1.33% | 1.50% |
| Return on Equity (ROE) | 9.69% | 11.72% | 12.94% | 14.65% | 12.59% |
| Return on Capital Employed (ROCE) | 10.34% | 11.44% | 12.44% | 15.00% | 13.66% |
| Return on Invested Capital (ROIC) | 8.05% | 8.67% | 9.55% | 10.74% | 10.25% |
| Return on Tangible Assets | 1.41% | 1.37% | 1.44% | 1.37% | 1.54% |
| Earnings Yield | 7.81% | 7.03% | 8.97% | 7.45% | 8.13% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 0.00 | 2.24 | 5.28 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.56 | 0.07 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.51 | 3.03 | 2.97 | 2.48 | 2.59 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.10 | -0.08 | -0.09 | -0.09 | -0.08 |
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | -483.85 | -5148.04 |
| Days of Sales Outstanding | 0.00 | 0.00 | 0.00 | 162.73 | 69.10 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 646.58 | 5217.14 |
| Operating Cycle | 0.00 | 0.00 | 0.00 | 162.73 | 69.10 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.33 | 3.23 | 3.63 | 3.73 | 3.80 |
| Free Cash Flow Per Share | 4.19 | 3.06 | 3.43 | 3.47 | 3.62 |
| Dividend Paid and CapEx Coverage Ratio | 3.28 | 2.60 | 3.05 | 3.16 | 3.75 |
| Capital Expenditure Coverage Ratio | 29.97 | 18.97 | 18.67 | 14.01 | 21.52 |
| Operating Cash Flow Coverage Ratio | 0.87 | 0.46 | 0.55 | 0.54 | 0.66 |
| Operating Cash Flow to Sales Ratio | 0.33 | 0.30 | 0.34 | 0.40 | 0.44 |
| Free Cash Flow Yield | 10.68% | 7.61% | 10.59% | 9.30% | 9.30% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.80 | 14.21 | 11.15 | 13.43 | 12.29 |
| Price-to-Sales (P/S) Ratio | 2.96 | 3.78 | 3.02 | 3.95 | 4.50 |
| Price-to-Book (P/B) Ratio | 1.24 | 1.67 | 1.44 | 1.97 | 1.55 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.36 | 13.15 | 9.44 | 10.76 | 10.76 |
| Price-to-Operating Cash Flow Ratio | 9.05 | 12.46 | 8.93 | 9.99 | 10.26 |
| Price-to-Earnings Growth (PEG) Ratio | 1.58 | -5.17 | 2.39 | -1.09 | 0.35 |
| Enterprise Value Multiple | 9.78 | 11.76 | 9.49 | 11.23 | 10.21 |
| Enterprise Value | 1.55B | 1.33B | 1.07B | 1.23B | 1.14B |
| EV to EBITDA | 9.78 | 11.76 | 9.49 | 11.23 | 10.21 |
| EV to Sales | 3.19 | 4.23 | 3.38 | 4.41 | 4.95 |
| EV to Free Cash Flow | 10.08 | 14.70 | 10.57 | 12.01 | 11.84 |
| EV to Operating Cash Flow | 9.74 | 13.92 | 10.00 | 11.15 | 11.29 |
| Tangible Book Value Per Share | 20.47 | 17.94 | 16.13 | 12.51 | 20.38 |
| Shareholders’ Equity Per Share | 31.59 | 24.11 | 22.45 | 18.95 | 25.19 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.19 | 0.17 | 0.17 | 0.18 |
| Revenue Per Share | 13.25 | 10.63 | 10.72 | 9.44 | 8.66 |
| Net Income Per Share | 3.06 | 2.83 | 2.91 | 2.78 | 3.17 |
| Tax Burden | 0.80 | 0.81 | 0.83 | 0.83 | 0.82 |
| 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 | 0.24 | 0.28 | 0.27 | 0.31 | 0.30 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.41 | 1.14 | 1.25 | 1.34 | 1.20 |
Currency in USD
