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German American Bancorp, Inc. is a Nasdaq-listed (symbol: GABC) financial holding company based in Jasper, Indiana. German American, through its banking subsidiary German American Bank, operates 94 banking offices located throughout Indiana (central/southern), Kentucky (northern/central/western), and Ohio (central/southwest).
23.11% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 37.8% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$499M
▲ +37.8% YoY
Net Income (TTM)
$135M
▲ +34.4% YoY
Net Margin
27.09%
P/E
—
Balance Sheet
Total Assets
$8.38B
Equity
$1.17B
Total Debt
$7M
Cash & Equiv.
$124M
3Y CAGR: +21.5%
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