---
title: "German American Bancorp | 8-K: FY2025 Q3 Revenue: USD 126.53 M"
type: "News"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/news/262959379.md"
datetime: "2025-10-27T20:50:49.000Z"
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  - [zh-CN](https://longbridge.com/zh-CN/news/262959379.md)
  - [en](https://longbridge.com/en/news/262959379.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/262959379.md)
---

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# German American Bancorp | 8-K: FY2025 Q3 Revenue: USD 126.53 M

Revenue: As of FY2025 Q3, the actual value is USD 126.53 M.

EPS: As of FY2025 Q3, the actual value is USD 0.94, beating the estimate of USD 0.8633.

EBIT: As of FY2025 Q3, the actual value is USD -31.97 M.

### Segment Revenue

-   **Net Interest Income**: $75,725,000 for Q3 2025, an increase of $2,570,000 or 4% from Q2 2025, and an increase of $27,131,000 or 56% from Q3 2024.
-   **Non-Interest Income**: $18,429,000 for Q3 2025, an increase of $1,696,000 or 10% from Q2 2025, and an increase of $4,628,000 or 34% from Q3 2024.

### Operational Metrics

-   **Net Income**: $35,074,000 for Q3 2025, an increase of 12% from Q2 2025 and 32% from Q3 2024.
-   **Efficiency Ratio**: 49.26% for Q3 2025, down from 51.25% in Q2 2025 and 56.15% in Q3 2024.
-   **Net Interest Margin**: 4.06% for Q3 2025, up from 3.92% in Q2 2025 and 3.47% in Q3 2024.

### Cash Flow

-   **Operating Cash Flow**: Not explicitly detailed in the reference.
-   **Free Cash Flow**: Not explicitly detailed in the reference.

### Unique Metrics

-   **Loan Portfolio**: Total loans increased by $39.3 million or 3% on an annualized basis from June 30, 2025, and by $1.718 billion from September 30, 2024.
-   **Deposits**: Total deposits increased by $59.8 million or 3% on an annualized basis from June 30, 2025, and by $1.743 billion from September 30, 2024.

### Outlook / Guidance

-   The company is optimistic about long-term growth potential due to a normalizing yield curve and strong diversified organic growth.
-   The integration of the Heartland Bank acquisition is progressing well, contributing to the company’s momentum.
-   The company remains committed to growth in Indiana, Kentucky, and Ohio communities, supported by a strong community presence and disciplined growth approach.

### 相关股票

- [German American Bancorp (GABC.US)](https://longbridge.com/zh-CN/quote/GABC.US.md)

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