What is the 13F Pro Quality Score for GABC?

13F Pro ranks GERMAN AMERICAN BANCORP, INC. (GABC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View GABC's current score at https://13fpro.ai/company/GABC (free sign-up required for the full ranking).

Which hedge funds own the most GABC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of GABC include BlackRock,, FRANKLIN RESOURCES, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/GABC as soon as new 13F filings post.

Where does 13F Pro source GABC data?

All GERMAN AMERICAN BANCORP, INC. fundamentals and ownership data come directly from SEC EDGAR. GERMAN AMERICAN BANCORP, INC. files with the SEC under CIK 714395. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is GABC in?

GERMAN AMERICAN BANCORP, INC. (GABC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives GABC's revenue?

Per GERMAN AMERICAN BANCORP, INC.'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Interest and Fees on Loans ($93.5M, +4% YoY); Wealth Management Fees ($5.0M, +20% YoY); Interchange Fee Income ($5.3M, +5% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/GABC.

What are GABC's largest expenses?

GERMAN AMERICAN BANCORP, INC.'s latest 10-Q reports these as the largest expense items: Salaries and Employee Benefits ($27.1M, +2% YoY); Interest on Deposits ($25.2M, -18% YoY); Data Processing Fees ($4.4M, +7% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is GABC research updated on 13F Pro?

GABC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

GERMAN AMERICAN BANCORP, INC.(GABC)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaqsmall

Institutional-grade research for retail investors

SEC EDGAR: CIK 714395 GABC stock profile & AI dashboard →

13F Pro Quality Score

68.4/100

Rank #322 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

87.5/100

Profitability

91.3/100

Balance Sheet

50.7/100

Earnings Quality

57.8/100

Free Cash Flow

88.8/100

Institutional Flow

36.7/100

Revenue Scale

37.3/100

Dilution Risk

71.1/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why GABC Scores 68/100

exact factor attribution · 2026-09-11

GABC's composite is driven by revenue growth and profitability, held back by scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.0 pts

88th pct

Profitability

+8.3 pts

91th pct

Free cash flow

+5.8 pts

89th pct

Earnings growth

+2.0 pts

80th pct

Shareholder dilution

+1.4 pts

71th pct

Earnings quality

+0.8 pts

58th pct

Capital efficiency

+0.1 pts

51th pct

Institutional flow

-0.9 pts

37th pct

Scale

-2.5 pts

37th pct

Latest change (2026-08-06): 43 → 72 · ↑ Profit margin 30→92; ↑ Free cash flow 30→90

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in GABC

Events flagged as statistical outliers against GABC's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-06
GABC quality score jumped 28 points (43→72) on a new filing
View source filing →

GABC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for GERMAN AMERICAN BANCORP, INC. (GABC), a Financials sector company. 13F Pro's AI-powered ranking engine scores GABC at 68.4/100 on a 32-signal composite quality model, placing it at rank #322 of 2,961 stocks — the top 25% of the AI-ranked universe. GABC scores in the top quartile across profitability (91.3), free cash flow (88.8), revenue growth (87.5). Areas of concern include institutional flow (36.7) and revenue scale (37.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), GERMAN AMERICAN BANCORP, INC. reports quarterly revenue of $126.9M, net income of $38.2M, an operating margin of 37.9%. Top institutional holders of GABC by reported 13-F value include BlackRock, FRANKLIN RESOURCES, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. GABC trades on the Nasdaq exchange and files with the SEC under CIK 714395. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate GABC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for GERMAN AMERICAN BANCORP, INC. directly from SEC EDGAR. GERMAN AMERICAN BANCORP, INC.'s 13F Pro composite quality score has ranged between 49 and 72 since 2025, currently 68.4 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

What's Driving GABC's Business? Latest 10-Q Breakdown

AI-extracted from GERMAN AMERICAN BANCORP, INC.'s 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $38.2M ($1.02 per share) grew 21% YoY; net interest margin expanded 38 basis points to 4.30% driven by lower deposit costs and higher earning asset yields.

Biggest Revenue Drivers

Interest and Fees on Loans$93.5M+4% YoY

Higher average loan balances and improved yields on earning assets

Wealth Management Fees$5.0M+20% YoY

Increased assets under management driven by healthy capital markets and new business

Biggest Revenue Drivers

Total revenue: $126.9M+3% YoY

Interest and Fees on Loans$93.5M+4% YoY

Higher average loan balances and improved yields on earning assets

Wealth Management Fees$5.0M+20% YoY

Increased assets under management driven by healthy capital markets and new business

Interchange Fee Income$5.3M+5% YoY

Higher level of customer transaction volume

Other Non-Interest Income$8.4M+18% YoY

Gains on loan sales, service charges on deposits, and other operating income

Largest Expense Items

Salaries and Employee Benefits$27.1M+2% YoY

Standard merit increases and higher incentive compensation

Interest on Deposits$25.2M-18% YoY

Lower deposit costs from Federal Reserve rate cuts and ability to reduce rates paid

Data Processing Fees$4.4M+7% YoY

Increased technology and processing expenses

Occupancy, Furniture and Equipment Expense$5.2M+9% YoY

Increased real estate taxes, depreciation, and repairs and maintenance

Margins: Net interest margin expanded 38 basis points to 4.30% in Q2 2026 from 3.92% in Q2 2025, driven primarily by lower cost of funds reflecting Federal Reserve rate cuts and the company's ability to lower deposit rates, combined with improved yields on earning assets. Accretion of discounts on acquired loans contributed 17 basis points to the margin.

Watch Items from the Filing

Non-performing loans declined to 0.45% of total loans at June 30, 2026 from 0.50% at year-end 2025, with $26.8M in non-performing assets representing 0.32% of assets; approximately $17.7M relates to Heartland acquisition.
Allowance for credit losses of $79.4M (1.34% of loans) increased from $77.7M (1.32%) at year-end; adequacy supported by conservative provision methodology but watch for credit normalization in higher-rate environment.
Commercial real estate portfolio represents 54% of loans ($3.2B); well-diversified across property types but concentration and occupancy risk warrant monitoring given current economic conditions.
Heartland acquisition (February 2025) added $1.94B in assets, $1.58B loans, $1.73B deposits; integration progressing but company recorded $23.2M direct acquisition costs and $196.4M goodwill.
Capital ratios remain strong with Total Capital at 15.50% and CET1 at 14.06% at June 30, 2026; well above regulatory minimums and conservation buffer, supporting dividend and future growth capacity.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$126.9M

Net Income

Q2 2026

$38.2M

Free Cash Flow

Q2 2026

$55.3M

Operating Margin

Q2 2026

37.9%

ROIC

Q2 2026

15.9%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+37.8% YoY

$487.4MFY 2025

FY22 $278.1MFY23 $316.9MFY24 $353.7MFY25 $487.4M

Net Income

+34.4% YoY

$112.6MFY 2025

FY22 $81.8MFY23 $85.9MFY24 $83.8MFY25 $112.6M

EPS (Diluted)

+8.1% YoY

$3.06FY 2025

FY22 $2.78FY23 $2.91FY24 $2.83FY25 $3.06

Total Assets

+33.2% YoY

$8.39BFY 2025

FY22 $6.16BFY23 $6.15BFY24 $6.30BFY25 $8.39B

Total Debt

-12.8% YoY

$100.0MFY 2025

FY22 $64.5MFY23 $89.5MFY24 $114.6MFY25 $100.0M

Op. Cash Flow

+66.4% YoY

$159.3MFY 2025

FY22 $110.0MFY23 $107.2MFY24 $95.8MFY25 $159.3M

Free Cash Flow

+69.8% YoY

$154.0MFY 2025

FY22 $102.2MFY23 $101.5MFY24 $90.7MFY25 $154.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$487.4M +37.8%	$353.7M +11.6%	$316.9M +14.0%	$278.1M +26.2%	$220.3M +5.0%	$209.7M
Net Income	$112.6M +34.4%	$83.8M -2.4%	$85.9M +5.0%	$81.8M -2.7%	$84.1M +35.2%	$62.2M
EPS (Diluted)	$3.06 +8.1%	$2.83 -2.7%	$2.91 +4.7%	$2.78 -12.3%	$3.17 +35.5%	$2.34
Total Assets	$8.39B +33.2%	$6.30B +2.3%	$6.15B -0.1%	$6.16B +9.8%	$5.61B +12.7%	$4.98B
Total Debt	$100.0M -12.8%	$114.6M +28.0%	$89.5M +38.9%	$64.5M -57.6%	$152.2M -21.8%	$194.5M
Operating Cash Flow	$159.3M +66.4%	$95.8M -10.7%	$107.2M -2.5%	$110.0M +9.1%	$100.8M +9.1%	$92.4M
Free Cash Flow	$154.0M +69.8%	$90.7M -10.6%	$101.5M -0.7%	$102.2M +6.3%	$96.2M +12.7%	$85.3M

Get alerted when GABC's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for GERMAN AMERICAN BANCORP, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of GABC

BlackRock, Inc.
$142.2M2,995,249 sh
FRANKLIN RESOURCES INC
$93.0M1,960,565 sh
VANGUARD CAPITAL MANAGEMENT LLC
$73.3M1,544,442 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$60.3M1,270,252 sh
DIMENSIONAL FUND ADVISORS LP
$60.0M1,265,181 sh
GEODE CAPITAL MANAGEMENT, LLC
$47.6M1,002,126 sh
STATE STREET CORP
$46.9M988,330 sh
GERMAN AMERICAN BANCORP, INC.
$45.2M951,402 sh
ROYCE & ASSOCIATES LP
$27.6M582,529 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$25.1M529,361 sh

Fund	Value	Shares
BlackRock, Inc.	$142.2M	2,995,249
FRANKLIN RESOURCES INC	$93.0M	1,960,565
VANGUARD CAPITAL MANAGEMENT LLC	$73.3M	1,544,442
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$60.3M	1,270,252
DIMENSIONAL FUND ADVISORS LP	$60.0M	1,265,181
GEODE CAPITAL MANAGEMENT, LLC	$47.6M	1,002,126
STATE STREET CORP	$46.9M	988,330
GERMAN AMERICAN BANCORP, INC.	$45.2M	951,402
ROYCE & ASSOCIATES LP	$27.6M	582,529
VANGUARD PORTFOLIO MANAGEMENT LLC	$25.1M	529,361

Companies Similar to GABC

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

SYBT

Stock Yards Bancorp, Inc.

AI score

Similar quality profile · 12 shared holders

Champlain Investment Partners, LLC CRAWFORD INVESTMENT COUNSEL INC DEPRINCE RACE & ZOLLO INC

FSBC

FIVE STAR BANCORP

AI score

Similar quality profile · 4 shared holders

DEPRINCE RACE & ZOLLO INC Rosenthal {-} Henry Capital Advisors, Inc.Symmetry Partners, LLC

THFF

FIRST FINANCIAL CORP /IN/

AI score

Similar quality profile · 5 shared holders

Valeo Financial Advisors, LLC WEDGE CAPITAL MANAGEMENT L L P/NC OLD NATIONAL BANCORP /IN/

CTBI

COMMUNITY TRUST BANCORP INC /KY/

AI score

Similar quality profile · 4 shared holders

WEDGE CAPITAL MANAGEMENT L L P/NC SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC CHATHAM CAPITAL GROUP, INC.

HFWA

HERITAGE FINANCIAL CORP /WA/

AI score

Similar quality profile · 4 shared holders

DEPRINCE RACE & ZOLLO INC ROYCE & ASSOCIATES LP SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC

FMBH

FIRST MID BANCSHARES, INC.

AI score

Similar quality profile · 4 shared holders

WEDGE CAPITAL MANAGEMENT L L P/NC DEPRINCE RACE & ZOLLO INC Valeo Financial Advisors, LLC

TCBX

Third Coast Bancshares, Inc.

AI score

Similar quality profile · 3 shared holders

Rosenthal {-} Henry Capital Advisors, Inc.Valeo Financial Advisors, LLC SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC

FNLC

First Bancorp, Inc /ME/

AI score

Similar quality profile · 2 shared holders

Bluebird Wealth Management LLC Total Clarity Wealth Management, Inc.

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AAC

Ares Acquisition Corp III

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put GABC on your watchlist

Track score changes the day GERMAN AMERICAN BANCORP, INC. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is GABC a good stock to buy?

13F Pro's AI-powered analysis of GERMAN AMERICAN BANCORP, INC. (GABC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for GABC are available on the GABC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. GABC is classified as a small company.

Which hedge funds own GABC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling GABC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of GERMAN AMERICAN BANCORP, INC.'s investment landscape.