German American Bancorp Inc (GABC) — Cash Flow Quality Index
German American Bancorp Inc (GABC) has a Cash Flow Quality Index of 1.52x as of June 2026. Operating cash flow of $58.11 Million exceeds net income of $38.17 Million, indicating high earnings quality where cash backs reported profits. Explore cash flow to debt ratio of German American Bancorp Inc to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
German American Bancorp Inc Cash Flow Quality Index (1992–2025)
Historical Cash Flow Quality Index for German American Bancorp Inc across 34 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see German American Bancorp Inc cash conversion from operations.
Annual Cash Flow Quality Index for German American Bancorp Inc (1992–2025)
Year-by-year earnings quality comparison for German American Bancorp Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.41x | $159.32 Million | $112.64 Million | ▲ +23.8% |
| 2024 | 1.14x | $95.76 Million | $83.81 Million | ▼ -8.5% |
| 2023 | 1.25x | $107.23 Million | $85.89 Million | ▼ -7.2% |
| 2022 | 1.34x | $110.04 Million | $81.83 Million | ▲ +12.2% |
| 2021 | 1.20x | $100.84 Million | $84.14 Million | ▼ -19.3% |
| 2020 | 1.49x | $92.42 Million | $62.21 Million | ▲ +34.9% |
| 2019 | 1.10x | $65.23 Million | $59.22 Million | ▼ -17.8% |
| 2018 | 1.34x | $62.33 Million | $46.53 Million | ▼ -0.7% |
| 2017 | 1.35x | $54.88 Million | $40.68 Million | ▲ +13.2% |
| 2016 | 1.19x | $41.91 Million | $35.18 Million | ▲ +14.5% |
| 2015 | 1.04x | $31.27 Million | $30.06 Million | ▼ -19.1% |
| 2014 | 1.29x | $36.43 Million | $28.34 Million | ▼ -21.6% |
| 2013 | 1.64x | $41.65 Million | $25.41 Million | ▼ -6.1% |
| 2012 | 1.75x | $42.00 Million | $24.05 Million | ▲ +32.8% |
| 2011 | 1.31x | $26.62 Million | $20.25 Million | ▲ +2.3% |
| 2010 | 1.29x | $17.23 Million | $13.40 Million | ▲ +50.6% |
| 2009 | 0.85x | $10.43 Million | $12.22 Million | ▼ -50.6% |
| 2008 | 1.73x | $22.13 Million | $12.80 Million | ▲ +27.5% |
| 2007 | 1.36x | $12.76 Million | $9.40 Million | ▲ +14.7% |
| 2006 | 1.18x | $12.09 Million | $10.22 Million | ▼ -20.4% |
| 2005 | 1.49x | $14.45 Million | $9.72 Million | ▼ -8.4% |
| 2004 | 1.62x | $11.74 Million | $7.24 Million | ▼ -47.9% |
| 2003 | 3.11x | $25.41 Million | $8.17 Million | ▲ +52.5% |
| 2002 | 2.04x | $19.25 Million | $9.44 Million | ▼ -73.3% |
| 2001 | 7.65x | $70.30 Million | $9.19 Million | ▲ +300.1% |
| 2000 | 1.91x | $10.11 Million | $5.29 Million | ▲ +13.1% |
| 1999 | 1.69x | $15.81 Million | $9.35 Million | ▼ -53.1% |
| 1998 | 3.60x | $33.23 Million | $9.22 Million | ▲ +1196.1% |
| 1997 | -0.33x | $-2.40 Million | $7.30 Million | ▼ -125.2% |
| 1996 | 1.30x | $7.30 Million | $5.60 Million | ▲ +62.9% |
| 1995 | 0.80x | $3.20 Million | $4.00 Million | ▼ -24.3% |
| 1994 | 1.06x | $3.70 Million | $3.50 Million | ▼ -51.6% |
| 1993 | 2.19x | $5.90 Million | $2.70 Million | ▲ +235.1% |
| 1992 | 0.65x | $1.50 Million | $2.30 Million | — |