Stock Ratings / Financials / GABC / options

DCOM (74) STBA (63) RBCAA (72) FSUN (60) ⌘ Pro Terminal →

German American Bancorp Inc. (GABC) Options Positioning, Max Pain & Unusual Sweeps

$49.41 +0.94% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.61

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.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $1.86B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $49.61 (+0.41%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 31.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

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 SNOWFLAKE RADARRw B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+6.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for GABC)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY GABC SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (22% of score)

FRED Regime × Technicals: 81% of 52W Range • RSI-14 at 45.8 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

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

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$48.16+3.7% Next Q

Q2 (-2Q)

Grade B-$49.93+1.8% Next Q

Q3 (-1Q)

Grade B$50.84-2.8% Next Q

Current

Grade B$49.41+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)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 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.

⚠️ 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 ($49.42) or 200D SMA ($45.69) invalidates the momentum regime and cuts Target Base ($52.75) toward Bear Floor ($40.52).

🎲 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 73%NO 27%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (GABC)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for GABC.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating GABC & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on GABC
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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GABC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.72%📐 HORIZONTAL RANGE

2026-10-30O $49.86H $50.09L $48.85C $49.41VOL 150.7K

RES: $52.02SUP: $46.69SMA50: $49.42SMA200: $45.69

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #77 of 1096 ⚔️ DCOM vs GABC Full Matrix →

1. Head-to-Head Financials Peer Comparison (GABC vs. DCOM, STBA, RBCAA, FSUN)

Industry: Major Banks (248 Tracked Issuers)

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 →

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 2026-11-01, 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.

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

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).

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 $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).

GABC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is GABC's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for GABC.

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