Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | $278M | $317M | $354M | $487M |
| Revenue growth | — | — | — | — | — | — | — | 14.0% | 11.6% | 37.8% |
| Net income | $35.2M | $40.7M | $46.5M | $59.2M | $62.2M | $84.1M | $81.8M | $85.9M | $83.8M | $113M |
| Net margin | — | — | — | — | — | — | 29.4% | 27.1% | 23.7% | 23.1% |
| EPS (diluted) | $1.57 | $1.77 | $1.99 | $2.29 | $2.34 | $3.17 | $2.78 | $2.91 | $2.83 | $3.06 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $41.9M | $54.9M | $62.3M | $65.2M | $92.4M | $101M | $110M | $107M | $95.8M | $159M |
| Capital expenditures | $5.23M | $11.2M | $15.2M | $9.37M | $7.07M | $4.69M | $7.85M | $5.75M | $5.05M | $5.32M |
| Free cash flow | $36.7M | $43.7M | $47.1M | $55.9M | $85.3M | $96.2M | $102M | $101M | $90.7M | $154M |
| Dividends paid | $10.6M | $11.8M | $14.1M | $17.6M | $20.1M | $22.2M | $27.0M | $29.4M | $31.8M | $43.3M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | $70.4M | $96.5M | $104M | $344M | $395M | $117M | $115M | $189M | $118M |
| Total assets | $2.96B | $3.14B | $3.93B | $4.40B | $4.98B | $5.61B | $6.16B | $6.15B | $6.30B | $8.39B |
| Total liabilities | $2.63B | $2.78B | $3.47B | $3.82B | $4.35B | $4.94B | $5.60B | $5.49B | $5.58B | $7.23B |
| Long-term debt | $121M | $142M | $127M | $182M | $142M | $83.9M | $64.5M | $89.5M | $115M | $100M |
| Shareholders' equity | $330M | $365M | $459M | $574M | $625M | $668M | $558M | $664M | $715M | $1.16B |
| Retained earnings | $150M | $179M | $211M | $253M | $288M | $350M | $405M | $462M | $514M | $583M |
| Shares (wtd avg diluted) | 22.4M | 22.9M | 23.4M | 25.8M | 26.5M | 26.5M | 29.5M | 29.6M | 29.7M | 36.8M |
Every figure is extracted from GERMAN AMERICAN BANCORP, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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