German American Bancorp Inc. (GABC) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 81% of 52W Range • RSI-14 at 45.8 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling
Even with a 73/100 (B) 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 ($49.42) or 200D SMA ($45.69) invalidates the momentum regime and cuts Target Base ($52.75) toward Bear Floor ($40.52).
German American Bancorp Inc. (GABC) advanced +0.94% to $49.41, trading at 81% of its 52-week range ($37.73 – $52.23). High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.
German American Bancorp entered its Q3 2026 release with a stock that had softened over the past week and then slid a further 3.7% today to about $49.20. That move appears more emotional than analytical. The bank just re
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
German American Bancorp (GABC) delivered earnings and revenue surprises of +1.98% and +1.20%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(AP) — German American Bancorp Inc. (GABC) on Monday reported third-quarter earnings of $38.
JASPER, Ind., October 26, 2026--German American Bancorp, Inc. (Nasdaq: GABC) (German American or the "Company") announced record earnings for the three months ended September 30, 2026. The Company also announced that its
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does German American Bancorp (GABC) have what it takes? Let's find out.
German American Bancorp (GABC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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 1096 tracked Financials securities in the Roarable RQD universe, German American Bancorp Inc. (GABC) ranks #77 by composite RQD confidence (73/100, grade B) and #439 by equity capitalization ($1.86B). Within this direct 5-issuer industry benchmark cohort, STBA leads on earnings valuation at 13.4x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and — gross margin. DCOM currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with GABC at 73/100 (B).
| 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. | B | 73/100 | 16.5x | — | 9.7% | +0.94% | $1.86B | Benchmark Subject |
| DCOM Dime Commercial Bancshares Inc. | B | 74/100 | 16.9x | — | 7.5% | +1.15% | $1.87B | /dcom-vs-gabc → |
| STBA S&T Bancorp Inc. | C | 63/100 | 13.4x | — | 9.2% | +1.21% | $1.80B | /stba-vs-gabc → |
| RBCAA Republic Bancorp Inc. (Class A) | B | 72/100 | 13.7x | — | 11.9% | +0.30% | $1.80B | /rbcaa-vs-gabc → |
| FSUN FirstSun Capital Bancorp | C- | 60/100 | 18.3x | — | 8.5% | +0.69% | $1.79B | /fsun-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 2026-11-01, German American Bancorp Inc. (NASDAQ: GABC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $49.41 (+0.94% 1D, market cap $1.86B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, GABC ranks #77 in composite RQD confidence.
Within the Financials sector (Major Banks), GABC carries a Roarable B (73/100 RQD), trailing P/E of 16.5x, gross margin of —, and ROIC of 9.7%. By comparison, DCOM (Dime Commercial Bancshares Inc.) holds a B grade (74/100 RQD, P/E 16.9x, ROIC 7.5%, cap $1.87B) and STBA (S&T Bancorp Inc.) posts a C grade (63/100 RQD, P/E 13.4x, ROIC 9.2%, cap $1.80B). Among the 5-stock peer group, STBA leads on earnings multiple (13.4x) while RBCAA leads on capital efficiency (11.9% 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 $49.41 (+0.94% on volume of 154,513 shares), positioning the stock -0.02% below its 50-day simple moving average ($49.42) and +8.14% above its 200-day simple moving average ($45.69). Across its 52-week range of $37.73 to $52.23, GABC sits at the 80.6% percentile with a 14-day RSI of 45.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($47.24 to $51.58).
Why GABC Stock advanced +0.94% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 10% return on capital) with steady institutional support.
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