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Stock Ratings / Financials / GABC / dividends
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German American Bancorp Inc. (GABC) Dividend Safety Gauge & 10-Year DRIP Compounder

$50.23 +2.62% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $50.37

German American Bancorp Inc. (GABC) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.89B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on GABC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is GABC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, German American Bancorp Inc. (NASDAQ: GABC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $50.23 (+2.62% 1D, market cap $1.89B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, GABC ranks #171 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does GABC compare to TBBK and DCOM in the Financials sector?
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Within the Financials sector (Major Banks), GABC carries a Roarable C+ (67/100 RQD), trailing P/E of 16.5x, gross margin of —, and ROIC of 9.7%. By comparison, TBBK (The Bancorp Inc) holds a C- grade (59/100 RQD, P/E 9.0x, ROIC 33.1%, cap $1.88B) and DCOM (Dime Commercial Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 16.9x, ROIC 7.5%, cap $1.87B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for GABC?
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Per GABC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714395), German American Bancorp Inc. generated $487.4M in revenue (+37.8% YoY), $112.6M in net income, and $154.0M in free cash flow against $8.39B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $50.37 (+0.28%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 31.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ · Rk C
Cash (15)Whales (10)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4% Base Target
$62 Bull$52 Base$41 Bear
📬 FREE GABC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GABC)Realized 20D OHLCV Swing Band: ±4.5%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY GABC SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 31.6% FCF Margin ($154.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
59
Grade C$48.79+2.4% Next Q
Q2 (-2Q)
62
Grade C+$49.94-2% Next Q
Q3 (-1Q)
64
Grade C+$48.95+2.6% Next Q
Current
67
Grade C+$50.23+1.6% Hist 90D α
Trajectory: C (59) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the GABC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, GABC faces multiple-compression risk if 16.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($49.40) or 200D SMA ($45.83) invalidates the momentum regime and cuts Target Base ($52.26) toward Bear Floor ($40.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $GABC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “GABC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
4.13% Total Yield
2.33% Cash ($1.17/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
18.3% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (18.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $55,061

Est. Year-10 Shareholder Yield: $2,274/yr
$11.9K
Yr 1
$14.1K
Yr 2
$16.7K
Yr 3
$19.8K
Yr 4
$23.5K
Yr 5
$27.8K
Yr 6
$33.0K
Yr 7
$39.1K
Yr 8
$46.4K
Yr 9
$55.1K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in GABC & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on GABC and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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GABC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.52%📐 HORIZONTAL RANGE
2026-11-04O $48.95H $50.23L $48.95C $50.23VOL 154.8K
RES: $52.04SUP: $46.56SMA50: $49.40SMA200: $45.83
$53.04$49.69$46.35$43.01$39.66RES $52.04SUP $46.56$50.232026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

GABC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 GABC Butterfly Map → + Track GABC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
9.3%/yr Implied 5Y Growth

vs. +37.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on GABC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for GABC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for GABC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (GABC)

Financials Rank #171 of 1097 ⚔️ TBBK vs GABC Full Matrix →

1. Head-to-Head Financials Peer Comparison (GABC vs. TBBK, DCOM, OCFC, STBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, German American Bancorp Inc. (GABC) ranks #171 by composite RQD confidence (67/100, grade C+) and #432 by equity capitalization ($1.89B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. DCOM currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with GABC at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
GABC ACTIVE
German American Bancorp Inc.
C+ 67/100 16.5x — 9.7% +2.62% $1.89B Benchmark Subject
TBBK
The Bancorp Inc
C- 59/100 9.0x — 33.1% -1.24% $1.88B /tbbk-vs-gabc →
DCOM
Dime Commercial Bancshares Inc.
B- 70/100 16.9x — 7.5% +2.20% $1.87B /dcom-vs-gabc →
OCFC
OceanFirst Financial Corp.
D+ 54/100 26.1x — 4.0% +4.07% $1.84B /ocfc-vs-gabc →
STBA
S&T Bancorp Inc.
C+ 66/100 13.4x — 9.2% +2.93% $1.83B /stba-vs-gabc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000714395 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), German American Bancorp Inc. (GABC) reported GAAP revenue of $487.4M (+37.8% vs. FY2024 revenue of $353.7M , and +53.8% cumulative change since FY2023) , GAAP net income of $112.6M, operating cash flow of $159.3M, and free cash flow of $154.0M (+69.8% YoY). On the balance sheet, GABC closed FY2025 with $8.39B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $487.4M $112.6M $159.3M $154.0M $8.39B —
FY2024 (FY) 2024-12-31 $353.7M $83.8M $95.8M $90.7M $6.30B —
FY2023 (FY) 2023-12-31 $316.9M $85.9M $107.2M $107.2M — —

3. GABC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is GABC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, German American Bancorp Inc. (NASDAQ: GABC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $50.23 (+2.62% 1D, market cap $1.89B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, GABC ranks #171 in composite RQD confidence.

How does GABC compare to TBBK and DCOM in the Financials sector?

Within the Financials sector (Major Banks), GABC carries a Roarable C+ (67/100 RQD), trailing P/E of 16.5x, gross margin of —, and ROIC of 9.7%. By comparison, TBBK (The Bancorp Inc) holds a C- grade (59/100 RQD, P/E 9.0x, ROIC 33.1%, cap $1.88B) and DCOM (Dime Commercial Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 16.9x, ROIC 7.5%, cap $1.87B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for GABC?

Per GABC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000714395), German American Bancorp Inc. generated $487.4M in revenue (+37.8% YoY), $112.6M in net income, and $154.0M in free cash flow against $8.39B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is GABC trading relative to its 50-day, 200-day, and 52-week technical levels?

GABC last traded at $50.23 (+2.62% on volume of 154,849 shares), positioning the stock +1.68% above its 50-day simple moving average ($49.40) and +9.60% above its 200-day simple moving average ($45.83). Across its 52-week range of $37.73 to $52.23, GABC sits at the 86.2% percentile with a 14-day RSI of 54.9 (NEUTRAL RANGE) and an implied next-earnings move of ±4.5% ($47.97 to $52.49).

Direct Sub-Reports: GABC RQD Cockpit GABC 12M Forecast GABC Earnings & Move GABC Dividends & DRIP GABC Insiders & 13F GABC Whale Options GABC Profit Sankey GABC News & Why
ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ SEC XBRL & RQD VERIFIED

GABC — German American Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

German American Bancorp Inc. (GABC) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $50.23 (+2.62% 1D, market capitalization $1.89B).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 9.7%, gross margin of —, operating margin of —, and free cash flow yield of 8.29%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

German American Bancorp Inc. Is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. The profile states a market capitalization of $1.9B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), German American Bancorp Inc. (GABC) reported $487.4M in annual revenue (up from $353.7M in FY2024, +37.8% YoY) and $112.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($316.9M revenue, $85.9M net income) through FY2025, GABC scaled operating cash flow to $159.3M and free cash flow to $154.0M, backed by $8.39B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 67/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $37.73 – $52.23 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.5x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), GABC carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can GABC sustain or expand its — operating margin and 9.7% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $487.4M and free cash flow of $154.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is GABC's 13.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

GABC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for German American Bancorp Inc. (GABC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to GABC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

GABC Bull vs. Bear Conversation Board — What's Your Call at $50.23?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON GABC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on GABC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $59.23 (+21.0%)
📌 Pinned Debate

Insider conviction (16/20) and an 8.29% FCF yield support the case for upside, with forward P/E of 13.9 below trailing P/E of 16.5.

Insider conviction (16/20) and an 8.29% FCF yield support the case for upside, with forward P/E of 13.9 below trailing P/E of 16.5.. When you look under the hood at GABC, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 9.7% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (10/20) has been quietly accumulating below $52.23. My 12M target is $59.23.

EarningsSniper 🐂 BULL

@ShortSeller_Dan Shorting a 10/20 institutional whale-flow stock at $48.95 is dangerous when funds are rotating into Financials.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $36.71 (-25.0%)
Spot @ $48.95

Institutional whale flow scores only 10/20 and Q3 headlines show the stock falling despite an earnings beat, signaling weak smart-money

Careful chasing GABC at $48.95. Institutional whale flow scores only 10/20 and Q3 headlines show the stock falling despite an earnings beat, signaling weak smart-money conviction.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $36.71 on multiple compression.

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