📈 Net Income History (16 Quarters)
🧮 GABC Net Income Breakdown
Understanding Net Income
Net income, also called the "bottom line" or net profit, is the money a company keeps after paying all expenses including cost of goods, operating costs, interest, and taxes. For GABC, the trailing twelve month net income is $142.1M.
Why Net Income Matters
Net income is the ultimate measure of accounting profitability. It determines earnings per share (EPS), affects stock valuations through the P/E ratio, and represents the theoretical amount available to shareholders. However, net income can be influenced by accounting choices, which is why value investors often look at cash flow metrics alongside it.
GABC's net income growth rate of 12.72% (based on log-linear regression of 16 quarters) indicates strong profit growth above market averages.
Net Income vs Cash Flow Metrics
Free Cash Flow: $153.3M →
Actual cash generated after capital expenditures. FCF often differs from net income due to depreciation, working capital changes, and capex timing.
Owner Earnings: $153.3M →
Buffett's preferred metric that adds back depreciation but subtracts maintenance capex. Often considered more accurate than net income.
EPS (Diluted): $3.82 →
Net income divided by diluted shares outstanding. The primary driver of the P/E ratio used in valuations.
Revenue: $503.0M →
The top line that net income is derived from. Net margin shows what percentage of revenue becomes profit.
P/E Ratio Analysis
GABC's P/E ratio of 13.1x means investors pay $13.07 for every $1 of annual earnings. A P/E between 10-15 is typical for mature, slow-growth companies with stable earnings.
Net Margin: Profitability Efficiency
Net margin of 28.24% shows what percentage of GABC's revenue converts to profit after all costs. Net margins above 20% are excellent and indicate strong pricing power or asset-light business models.
Summary: GABC Net Income Trend
German American Bancorp, Inc. (GABC) has a net margin of 28.24%, which Zyberno classifies as excellent for a Financials company — above the 20% threshold Zyberno applies to financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 12.72% annually — above the 10% threshold Zyberno considers healthy growth above market averages. For complete financial analysis, view the full GABC stock report on Zyberno.
Frequently Asked Questions
What is GABC's current net income?
German American Bancorp, Inc.'s TTM net income is $142.1M, growing at 12.72% annually — above the 10% threshold Zyberno considers healthy growth above market averages.
Is GABC's net income growing?
German American Bancorp, Inc. (GABC) has a net margin of 28.24%, which Zyberno classifies as excellent for a Financials company — above the 20% threshold Zyberno applies to financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 12.72% annually — above the 10% threshold Zyberno considers healthy growth above market averages.
What is GABC's net profit margin?
German American Bancorp, Inc. (GABC) has a net margin of 28.24%, which Zyberno classifies as excellent for a Financials company — above the 20% threshold Zyberno applies to financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 12.72% annually — above the 10% threshold Zyberno considers healthy growth above market averages.
What is GABC's P/E ratio?
GABC's P/E ratio is 13.1x, meaning the market values the company at 13.1 times its annual earnings.
How does net income differ from free cash flow?
Net income is an accounting measure that includes non-cash items like depreciation, while free cash flow shows actual cash generated. GABC's net income is $142.1M versus free cash flow of $153.3M. Large differences often indicate significant capital expenditures or working capital changes.
📊 Full GABC Stock Report →
See GABC's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 GABC Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 GABC Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 GABC Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 GABC Earnings Surprise (SUE) →
See whether GABC is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 GABC Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 GABC Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 GABC Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 GABC Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.