Filing Flows › German American Bancorp (GABC) › Q2 2026
German American Bancorp (GABC) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 6, 2026
German American Bancorp (GABC) reported revenue of $127M for the second quarter 2026 (Q2 2026), +3% from a year earlier and +3% from the quarter before. Operating margin was 37.9%, net earnings $38.2M (30.1% of revenue).
German American Bancorp, Q2 2026: revenue $127M (+3% year over year), operating margin 37.9%, net earnings $38.2M, operating cash flow $58.1M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $127M | +3% | +3% |
| Operating profit | $48.1M | +15% | +23% |
| Net earnings | $38.2M | +15% | +22% |
| Operating cash flow | $58.1M | +57% | +116% |
| Free cash flow | $55.3M | +54% | +111% |
What changed
Revenue was $126.9M in Q2 2026, up 3% year over year and up 3% from the previous quarter.
Operating profit was $48.1M, a 37.9% margin (up 6.1 points year over year). Of the extra revenue versus Q2 2025, 237% reached operating profit, above the 32% margin then. Total costs fell 6% while revenue rose 3%. Net earnings were $38.2M, up 22% year over year. The effective tax rate was 20.6%.
Operating cash flow was $58.1M (up 116% year over year), 152% of net earnings. Non-cash charges added back $4.8M of depreciation and amortization and $819K of share-based compensation. Working capital and other items added $14.4M. Capital expenditures of $2.9M left free cash flow of $55.3M.
Questions
What was German American Bancorp's revenue in the second quarter 2026?
German American Bancorp (GABC) reported revenue of $127M for the second quarter 2026 (Q2 2026), +3% from a year earlier and +3% from the quarter before.
Was German American Bancorp profitable in the second quarter 2026?
Operating profit was $48.1M (37.9% of revenue) and net earnings $38.2M.