German American Bancorp (GABC) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - German American Bancorp (GABC) reported a revenue of $89.89 million for the quarter ended June 2025, marking a 38.5% increase year-over-year [1] - The earnings per share (EPS) for the quarter was $0.86, up from $0.69 in the same quarter last year, exceeding the consensus EPS estimate of $0.83 by 3.61% [1] Financial Performance Metrics - The efficiency ratio was reported at 51.3%, better than the average estimate of 52.4% from three analysts [4] - The net interest margin stood at 3.9%, matching the average estimate from three analysts [4] - Net charge-offs to average loans were 0.1%, consistent with the average estimate from two analysts [4] - Total average interest-earning assets were $7.61 billion, slightly below the average estimate of $7.67 billion from two analysts [4] - Net gains on sales of loans were $1 million, compared to the estimated $1.81 million from three analysts [4] - Total non-interest income was $16.73 million, exceeding the average estimate of $16.36 million from three analysts [4] - Net interest income (FTE) was reported at $74.43 million, slightly below the average estimate of $74.81 million from two analysts [4] - Service charges on deposit accounts were $3.71 million, below the average estimate of $3.85 million from two analysts [4] - Net interest income was $73.16 million, compared to the average estimate of $73.49 million from two analysts [4] Stock Performance - Shares of German American Bancorp have returned +2.1% over the past month, while the Zacks S&P 500 composite increased by +4.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]