# German American Bancorp, Inc. (GABC) · Edgar & Edgarette company card

> German American Bancorp (GABC) grew revenue 37.8% in FY2025 to $487 million, equity 13.9% of assets, and dividend per share up 10 years running. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 714395 · fiscal year ended 2025-12-31 · 4 audited years read · [page](https://www.pops4.com/boards/company/GABC) · [JSON](https://www.pops4.com/boards/company/GABC.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $487M |
| Revenue growth, 1 year | 37.8% |
| Revenue growth per year | 20.6% |
| Operating margin | — |
| Net margin | 23.1% |
| Operating cash flow | $159M |
| Capital spending | $5M |
| Free cash flow | $154M |
| Cash | $118M |
| Long-term debt | $100M |
| Total assets | $8.4B |
| Total equity | $1.2B |
| Equity ÷ assets | 13.9% |
| Return on equity | 9.7% |
| Dividend per share | $1.16 |
| Dividend years rising | 10 |

## Readings, computed from those figures

- Piotroski F: 6 of 9 (solid)
- Health Harbor boat: New ship · no warning signs
- Cash Compass: Cash cow now · steady, with strong cash arriving today

## Edgarette's reading

Exposure: revenue $487.4M (FY2025), total debt $100.0M. Experience: revenue up 37.8% on the year, up 20.6% a year over 3 years. Soundness: equity 13.9% of assets, return on equity 9.7%, payout 38.4% of profit, dividend per share up 10 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $517.3M and $737.1M next year (method v4.1: its own 3-year record of growth weighed at 40% against $100M–1B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $473.0M to $809.0M. A statistical range, not company guidance. Against peers (31 filers, $50M+ revenue, state commercial banks): growth 37.8% against 7.5%.

Range logged 2026-09-28, receipt 4b801d09a8e8d3f1, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 1, latest 2026-03-05 ([filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000013/0000714395-26-000013-index.htm))

## Recent filings

- 8-K · filed 2026-10-26 · 2.02 Results of Operations and Financial Condition; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000041/0000714395-26-000041-index.htm)
- 8-K · filed 2026-09-08 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000039/0000714395-26-000039-index.htm)
- 10-Q · filed 2026-08-06 · [filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000032/0000714395-26-000032-index.htm)
- 8-K · filed 2026-07-27 · 2.02 Results of Operations and Financial Condition; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000030/0000714395-26-000030-index.htm)
- 10-Q · filed 2026-05-06 · [filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000027/0000714395-26-000027-index.htm)
- 8-K · filed 2026-05-06 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/714395/000071439526000022/0000714395-26-000022-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000714395.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=714395

## Cite

POPS4, Edgar & Edgarette: German American Bancorp, Inc. (GABC) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/GABC. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.