German American Bancorp Inc (GABC) — Financial Flexibility Index
German American Bancorp Inc (GABC) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $60.97 Million (operating CF $58.11 Million minus capex $2.85 Million) represents 0% of total liabilities ($7.23 Billion). Check GABC total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
German American Bancorp Inc Financial Flexibility Index (1992–2025)
Historical Financial Flexibility Index trend for German American Bancorp Inc across 34 annual periods. For the full cash flow conversion analysis, see cash flow conversion of German American Bancorp Inc.
Annual Financial Flexibility Index for German American Bancorp Inc (1992–2025)
Year-by-year free cash flow to debt coverage for German American Bancorp Inc. Explore German American Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $164.63 Million | $159.32 Million | $7.23 Billion | ▲ +26.1% |
| 2024 | 0.02x | $100.81 Million | $95.76 Million | $5.58 Billion | ▼ -12.2% |
| 2023 | 0.02x | $112.98 Million | $107.23 Million | $5.49 Billion | ▼ -2.3% |
| 2022 | 0.02x | $117.89 Million | $110.04 Million | $5.60 Billion | ▼ -1.4% |
| 2021 | 0.02x | $105.53 Million | $100.84 Million | $4.94 Billion | ▼ -6.5% |
| 2020 | 0.02x | $99.49 Million | $92.42 Million | $4.35 Billion | ▲ +17.2% |
| 2019 | 0.02x | $74.60 Million | $65.23 Million | $3.82 Billion | ▼ -12.7% |
| 2018 | 0.02x | $77.52 Million | $62.33 Million | $3.47 Billion | ▼ -6.0% |
| 2017 | 0.02x | $66.06 Million | $54.88 Million | $2.78 Billion | ▲ +32.3% |
| 2016 | 0.02x | $47.15 Million | $41.91 Million | $2.63 Billion | ▲ +15.8% |
| 2015 | 0.02x | $32.88 Million | $31.27 Million | $2.12 Billion | ▼ -21.3% |
| 2014 | 0.02x | $39.48 Million | $36.43 Million | $2.01 Billion | ▼ -17.3% |
| 2013 | 0.02x | $46.76 Million | $41.65 Million | $1.96 Billion | ▼ -4.9% |
| 2012 | 0.03x | $45.61 Million | $42.00 Million | $1.82 Billion | ▲ +39.7% |
| 2011 | 0.02x | $30.59 Million | $26.62 Million | $1.71 Billion | ▲ +17.1% |
| 2010 | 0.02x | $19.20 Million | $17.23 Million | $1.25 Billion | ▲ +32.4% |
| 2009 | 0.01x | $13.06 Million | $10.43 Million | $1.13 Billion | ▼ -48.2% |
| 2008 | 0.02x | $24.26 Million | $22.13 Million | $1.09 Billion | ▲ +63.6% |
| 2007 | 0.01x | $14.13 Million | $12.76 Million | $1.03 Billion | ▼ -12.1% |
| 2006 | 0.02x | $15.55 Million | $12.09 Million | $1.00 Billion | ▼ -15.5% |
| 2005 | 0.02x | $15.89 Million | $14.45 Million | $864.21 Million | ▲ +20.5% |
| 2004 | 0.02x | $13.10 Million | $11.74 Million | $858.42 Million | ▼ -53.2% |
| 2003 | 0.03x | $27.49 Million | $25.41 Million | $842.82 Million | ▲ +18.7% |
| 2002 | 0.03x | $23.43 Million | $19.25 Million | $852.49 Million | ▼ -65.0% |
| 2001 | 0.08x | $71.78 Million | $70.30 Million | $912.90 Million | ▲ +539.2% |
| 2000 | 0.01x | $12.09 Million | $10.11 Million | $982.55 Million | ▼ -40.6% |
| 1999 | 0.02x | $19.93 Million | $15.81 Million | $962.96 Million | ▼ -53.7% |
| 1998 | 0.04x | $35.98 Million | $33.23 Million | $805.60 Million | ▲ +11372.5% |
| 1997 | 0.00x | $200.00K | $-2.40 Million | $513.70 Million | ▼ -98.4% |
| 1996 | 0.02x | $8.70 Million | $7.30 Million | $358.20 Million | ▲ +96.0% |
| 1995 | 0.01x | $4.10 Million | $3.20 Million | $330.80 Million | ▼ -17.3% |
| 1994 | 0.01x | $4.70 Million | $3.70 Million | $313.60 Million | ▼ -34.9% |
| 1993 | 0.02x | $6.40 Million | $5.90 Million | $278.20 Million | ▲ +194.3% |
| 1992 | 0.01x | $1.70 Million | $1.50 Million | $217.50 Million | — |