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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 31.6% FCF Margin ($154.0M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
German American Bancorp Inc. (GABC) surged +2.62% to $50.23, trading at 86% of its 52-week range ($37.73 – $52.23). Solid steady margins (10% return on capital), mixed timing at 17x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
24/7 Wall St. report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Simply Wall Street report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Many small-cap stocks have limited Wall Street coverage, giving savvy investors the chance to act before everyone else catches on. But the flip side is that these businesses have increased downside risk because they lack
The headline numbers for German American Bancorp (GABC) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimate
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +37.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on GABC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for GABC. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
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).
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.
Operating in Major Banks (Financials), GABC carries a macro regime beta of 1.00 and gross margin of —.
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
Yahoo Finance report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
24/7 Wall St. report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Simply Wall Street report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering German American Bancorp Inc. (GABC) market action, institutional positioning, and fundamental catalysts.
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.
@ShortSeller_Dan Shorting a 10/20 institutional whale-flow stock at $48.95 is dangerous when funds are rotating into Financials.
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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