German American Bancorp Inc

NAS:GABCFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$49.61−0.64%At closeAt close · Tue 20 Oct · ≈ AED 182.19 · Market cap $1.86B · Next earnings Mon 26 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	84.0%	98.7%	91.1%	78.3%	67.3%	70.2%	—	—
Operating margin	32.8%	44.7%	35.7%	32.7%	33.0%	28.7%	28.7%	+0.0 pts
Net margin	27.2%	36.6%	29.4%	27.1%	26.6%	23.1%	23.1%	+0.0 pts
EBITDA margin	36.9%	48.5%	39.3%	35.7%	35.9%	32.6%	—	—
Return on equity	10.0%	12.6%	14.7%	12.9%	11.7%	9.7%	9.7%	+0.0 pts
Return on assets	1.2%	1.5%	1.3%	1.4%	1.3%	1.3%	1.3%	+0.0 pts
Return on capital employed	9.8%	13.7%	15.0%	12.4%	11.4%	10.3%	—	—
Debt / equity	0.3×	0.2×	0.4×	0.3×	0.3×	0.2×	0.2×	+0.0%
Debt / assets	3.9%	2.7%	3.3%	3.2%	3.3%	2.2%	—	—
Interest coverage	3.9×	10.8×	5.4×	1.6×	1.0×	1.1×	—	—
Current ratio	0.3×	0.4×	0.4×	0.3×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	0.3×	0.4×	0.4×	0.3×	0.2×	0.2×	—	—
Cash ratio	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	5.2×	5.3×	2.2×	—	—	—	—	—
Dividend payout	32.4%	26.4%	33.0%	34.3%	38.0%	38.4%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.