German American Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from German American Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 2/3Sales grew in 1 of the last 3 years; profit grew in 2 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
$30Sales grew 39% in 3 years; of every extra $100 of sales, $30 became extra profit.
Higher than 58% of Financial Services companies in United States.
Asset Productivity Ratio
+39% / +36%In 3 years sales changed by +39% while total assets changed by +36%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
95%Of every $100 the company owns, $95 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 73% of Financial Services companies in United States.
Tangible Net Worth Ratio
65%Of every $100 of net worth, $65 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 77% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
German American Bancorp, Inc. owes $0.86 for every $1 it owns. Net profit rose 34% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.4Investors pay $13.4 for every $1 of German American Bancorp, Inc.'s yearly profit, higher than 55% of Financial Services companies in United States.
P/B ratio
1.58The share price is 1.58 times German American Bancorp, Inc.'s book value per share, higher than 71% of Financial Services companies in United States.
Market cap
$1.9 BThe total market value of all of German American Bancorp, Inc.'s shares at today's price (share price × number of shares), larger than 67% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.2 BWhat German American Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$32.24Net worth divided by the number of shares. The share price of $50.84 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
12.5%German American Bancorp, Inc. earned 12.5% on its shareholders' money over the last year, higher than 63% of Financial Services companies in United States.
Owes vs Owns
0.86×German American Bancorp, Inc. owes $0.86 for every $1 it owns (high), higher than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.39%German American Bancorp, Inc. pays 2.39% of its share price as dividends a year, lower than 60% of dividend-paying Financial Services companies in United States.
Revenue growth
+68%Revenue rose 68% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Profit growth
+34%Net profit rose 34% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit margin
31.2%German American Bancorp, Inc. keeps $31 of every $100 of revenue as net profit.
Questions
What is German American Bancorp, Inc.'s P/E ratio?
Investors pay $13.4 for every $1 of German American Bancorp, Inc.'s yearly profit, higher than 55% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For German American Bancorp, Inc.: $1.9 B ÷ $1.2 B (30 Jun 2026) = 1.6.
What is German American Bancorp, Inc.'s return on equity?
German American Bancorp, Inc. earned 12.5% on its shareholders' money over the last year, higher than 63% of Financial Services companies in United States.
How much does German American Bancorp, Inc. owe compared with what it owns?
German American Bancorp, Inc. owes $0.86 for every $1 it owns (high), higher than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does German American Bancorp, Inc. pay a dividend?
Yes. German American Bancorp, Inc. pays 2.39% of its share price as dividends a year, lower than 60% of dividend-paying Financial Services companies in United States.
Is German American Bancorp, Inc.'s revenue growing?
Revenue rose 68% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.