German American Bancorp's Q1 Earnings: Insights from Key Financial Metrics

German American Bancorp (GABC) announced revenues of $81.41 million for the first quarter ending March 2025, marking a 33.9% rise from the previous year. The earnings per share (EPS) stood at $0.79 during this period compared to $0.64 in the corresponding time frame last year.

The stated revenue is compared to the Zacks Consensus Estimate of $79.1 million, showing a variance of +2.92%. The corporation exceeded expectations with an earnings per share (EPS) surprise of +9.72%, as the anticipated EPS was $0.72.

As investors examine the shifts in revenue and profits from one year to another and how these figures align with what analysts predict on Wall Street to guide their subsequent actions, certain crucial indicators consistently provide a clearer insight into a business’s fiscal condition.

Since these indicators affect both revenue and profit figures, contrasting them with last year’s data and analyst estimates assists investors in projecting a stock's potential price movement more precisely.

This is how German American Bancorp fared in the recently reported quarter concerning the key performance indicators tracked and forecasted by Wall Street analysts.

Efficiency ratio : 61.3% compared to an average of 56.3% estimated by three analysts.
Net Interest Margin : 4% compared to an average of 3.7% estimated by three analysts.
Net charge-offs as a ratio to average loans : 0% compared to an average estimate of 0.1%, as per data from two analysts.
Overall Mean Income Generating Assets : $6.92 billion compared to an average estimate of $6.85 billion from two analysts.
Increases in Net from Sale of Loans :$0.83 million compared to the average forecast of $0.90 million from three analysts.
Total Non-interest Income :$14.84 million compared to an average estimate of $15.95 million from three analysts.
Net interest income (FTE) :$67.89 million versus the $62.41 million average forecast from two analysts.
Charges for deposit accounts : $3.49 million compared to the average forecast of $3.81 million from two analysts.
Net Interest Income :$66.57 million compared to an average estimate of $63.51 million from two analysts.

See all important company metrics for German American Bancorp below>>>(>>)

Over the last month, shares of German American Bancorp have declined by 3.1%, compared to the Zacks S&P 500 Composite’s decrease of 4.3%. The stock holds a Zacks Rank #1 (Strong Buy), suggesting it may surpass the overall market performance shortly.

The article was initially published on Zacks Investment Research (Romero.my.id).