Filing Flows › German American Bancorp (GABC) › Q3 2026 › vs Q3 2025
German American Bancorp (GABC) Q3 2026 vs Q3 2025 (year over year)
German American Bancorp's revenue rose $3.0M (+2%) from $127M in Q3 2025 to $130M in Q3 2026. Operating margin 37.5% against 34.6% (+2.9 pts).
German American Bancorp, Q3 2026: revenue $130M (+2% year over year), operating margin 37.5%, net earnings $38.6M, operating cash flow $33.3M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 37.5% | 34.6% | +2.9 pts |
| Net margin | 29.8% | 27.7% | +2.1 pts |
| Free cash flow margin | 24.3% | 39.6% | -15.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $130M | $127M | $3.0M | +2% |
| Operating profit | $48.6M | $43.8M | $4.9M | +11% |
| Costs & expenses | $80.9M | $82.8M | −$1.8M | -2% |
| Pre-tax earnings | $48.6M | $43.8M | $4.9M | +11% |
| Sales & marketing | $1.7M | $1.3M | $409K | +31% |
| Other operating costs | $79.2M | $81.5M | −$2.3M | -3% |
| Net earnings | $38.6M | $35.1M | $3.6M | +10% |
| Income tax | $10.0M | $8.7M | $1.3M | +15% |
| Depreciation & amortization | $4.7M | $5.2M | −$500K | -10% |
| Share-based compensation | $854K | $787K | $67K | +9% |
| Working capital & other | $10.9M | −$10.8M | $21.7M | — |
| Operating cash flow | $33.3M | $51.8M | −$18.5M | -36% |
| Free cash flow (OCF − capex) | $31.4M | $50.1M | −$18.7M | -37% |
| Capital expenditures | $1.8M | $1.7M | $163K | +10% |
Questions
How much did German American Bancorp's revenue grow year over year in Q3 2026?
German American Bancorp's revenue rose $3.0M (+2%) from $127M in Q3 2025 to $130M in Q3 2026. Operating margin 37.5% against 34.6% (+2.9 pts).