Compared to Estimates, German American Bancorp (GABC) Q4 Earnings: A Look at Key Metrics

Core Viewpoint - German American Bancorp reported strong financial results for the quarter ended December 2025, with significant year-over-year growth in revenue and earnings per share (EPS) [1] Financial Performance - Revenue for the quarter was $95.99 million, reflecting a year-over-year increase of 47.3% [1] - EPS for the same period was $0.96, up from $0.78 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of $93.2 million by 2.99% [1] - EPS also surpassed the consensus estimate of $0.90 by 7.06% [1] Key Metrics - Efficiency ratio was 48.6%, better than the average estimate of 51.4% from two analysts [4] - Net Interest Margin stood at 4.1%, matching the average estimate [4] - Net charge-offs to average loans were 0%, compared to the average estimate of 0.1% [4] - Total Average Interest Earning Assets reached $7.74 billion, exceeding the average estimate of $7.61 billion [4] - Total Non-interest Income was $17.31 million, slightly above the estimated $17.12 million [4] - Net interest income (FTE) was $80.26 million, higher than the average estimate of $77.7 million [4] - Service charges on deposit accounts totaled $3.96 million, compared to the average estimate of $3.93 million [4] - Net Gains on Sales of Loan were $1.11 million, exceeding the average estimate of $0.95 million [4] Stock Performance - Shares of German American Bancorp returned +0.3% over the past month, compared to a +0.2% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]