GABC German American Bancorp margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 91

Gross margin

100%

Operating margin

47%

EBITDA margin

51.9%

Net margin

37.5%

Using the latest TTM figures, German American Bancorp shows a gross margin of 100%, an operating margin of 47%, an EBITDA margin of 51.9%, and a net margin of 37.5%. Operating margin led the remaining margin gains with 7.1 percentage points, while the other margins were unchanged.

GABC margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, German American Bancorp recorded average margins of 100% gross, 41.78% operating, 46.28% EBITDA, and 33.78% net. German American Bancorp's current performance shows that operating, EBITDA, and net margins are above their three-year averages.

GABC margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 7.1 percentage points, EBITDA margin by 6.8 percentage points, and net margin by 5.5 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

7.1pp

EBITDA margin expansion

6.8pp

Net margin expansion

5.5pp

GABC Gross margin

Reviewing the last 3 years, German American Bancorp recorded an average gross margin of 100%. German American Bancorp's current gross margin is 100% and is in line with its three-year average. The highest gross margin for German American Bancorp was 100% in Sep 2026, while the lowest was 100% in Dec 2023.

GABC Operating margin

The average operating margin for German American Bancorp was 41.78% over the last 3 years. The current operating margin stands at 47%, 5.2 percentage points above its three-year average. The operating margin for German American Bancorp moved between 36.7% in Mar 2025 and 47% in Sep 2026.

GABC EBITDA margin

Across the last 3 years, German American Bancorp had an average EBITDA margin of 46.28%. Against its three-year average, German American Bancorp's EBITDA margin is currently 51.9%, 5.6 percentage points above its three-year average. Looking back over the last 3 years, German American Bancorp's EBITDA margin reached 51.9% at its highest point in Sep 2026 and 40.9% at its lowest in Mar 2025.

GABC Net margin

German American Bancorp's net margin averaged 33.78% over the last 3 years. Compared with its three-year average, German American Bancorp's current net margin is 37.5% and is 3.7 percentage points above its three-year average. Over the last 3 years, German American Bancorp's net margin peaked at 37.5% in Sep 2026 and reached a low of 29.3% in Mar 2025.

GABC margin group comparison

Margins compared with peer-group, industry and sector averages

German American Bancorp's gross margin of 100% is above the Financial Services sector and the industry average. Compared to its Financial Services sector average of 83.5%, German American Bancorp's gross margin is 20% higher.

GABC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is German American Bancorp's gross margin?

For the period ending Sep 30, 2026, GABC recorded a gross margin of 100%.

What is German American Bancorp's operating margin?

For the period ending Sep 30, 2026, GABC recorded an operating margin of 47%.

What is German American Bancorp's EBITDA margin?

As of Sep 30, 2026, GABC has an EBITDA margin of 51.9%.

What is German American Bancorp's net margin?

For the period ending Sep 30, 2026, GABC recorded a net margin of 37.5%.

What are the average margins of GABC?

Looking back over 3 years, GABC recorded average margins of 100.0% gross, 41.8% operating, 46.3% EBITDA, and 33.8% net.

What are the highest historical margins of GABC?

In the last 5 years, the highest margins reported by GABC were 100% gross in Sep 2026, 47% operating in Sep 2026, 51.9% EBITDA in Sep 2026, and 37.5% net in Sep 2026.

What are the lowest historical margins of GABC?

German American Bancorp's lowest recorded margins during the past 5 years were 100% gross in Dec 2021, 36.7% operating in Mar 2025, 40.9% EBITDA in Mar 2025, and 29.3% net in Mar 2025.