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Compared to Estimates, German American Bancorp (GABC) Q3 Earnings: A Look at Key Metrics
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German American Bancorp (GABC - Free Report) reported $103.68 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 10.1%. EPS of $1.03 for the same period compares to $0.92 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $102.46 million, representing a surprise of +1.2%. The company delivered an EPS surprise of +1.98%, with the consensus EPS estimate being $1.01.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how German American Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net Interest Margin: 4.4% versus 4.3% estimated by four analysts on average.
Efficiency ratio: 49.1% versus 49.5% estimated by three analysts on average.
Total Average Interest Earning Assets: $7.65 billion versus the three-analyst average estimate of $7.72 billion.
Net charge-offs to average loans: 0% versus 0.1% estimated by two analysts on average.
Total Non-interest Income: $18.7 million versus the four-analyst average estimate of $18.76 million.
Net Gains on Sales of Loan: $1.36 million versus $1.6 million estimated by three analysts on average.
Net interest income (FTE): $84.98 million versus the three-analyst average estimate of $84.04 million.
Service charges on deposit accounts: $4.28 million versus the three-analyst average estimate of $4 million.
Net Interest Income: $83.52 million versus $82.6 million estimated by two analysts on average.
Shares of German American Bancorp have returned +2.7% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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Compared to Estimates, German American Bancorp (GABC) Q3 Earnings: A Look at Key Metrics
German American Bancorp (GABC - Free Report) reported $103.68 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 10.1%. EPS of $1.03 for the same period compares to $0.92 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $102.46 million, representing a surprise of +1.2%. The company delivered an EPS surprise of +1.98%, with the consensus EPS estimate being $1.01.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how German American Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for German American Bancorp here>>>
Shares of German American Bancorp have returned +2.7% over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.