German American Bancorp, Inc. — Earnings Quality Grade B
GABC · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 68.2%, CFFO 66.4%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 5.3% vs revenue 68.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.41. Profits backed by cash
FCF $0.2B, FCF/NI = 1.37
Accruals ratio = -0.6%. Low accruals
Cash $0.1B covers 52% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 35% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 124% YoY
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
German American Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25