GERMAN AMERICAN BANCORP, INC.(GABC)Stock Analysis
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Rank #1,823 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
GABC Stock Analysis & AI Quality Score
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 43.2/100 on a 32-signal composite quality model, placing it at rank #1,823 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include profitability (30.0) and free cash flow (30.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2025), GERMAN AMERICAN BANCORP, INC. reports quarterly revenue of $126.7M, net income of $35.7M, an operating margin of 34.6%. 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 43 and 67 since 2025, currently 43.2 — a declining long-term trajectory across 12 quarterly and live scoring snapshots.
Revenue
Q4 2025
$126.7M
Net Income
Q4 2025
$35.7M
Free Cash Flow
Q4 2025
$41.0M
Operating Margin
Q4 2025
34.6%
D/E Ratio
Q4 2025
0.09
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+37.8% YoYNet Income
+34.4% YoYEPS (Diluted)
+8.1% YoYTotal Assets
+33.2% YoYTotal Debt
-12.8% YoYOp. Cash Flow
+66.4% YoY| 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 | — | — |
| 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 |
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Available Research
13F Pro tracks comprehensive data for GERMAN AMERICAN BANCORP, INC. including:
Top Institutional Holders of GABC
BlackRock, Inc.
$113.1M2,706,469 shFRANKLIN RESOURCES INC
$78.6M1,880,546 shVANGUARD CAPITAL MANAGEMENT LLC
$63.7M1,523,155 shDIMENSIONAL FUND ADVISORS LP
$51.0M1,219,958 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$48.2M1,152,695 shGERMAN AMERICAN BANCORP, INC.
$40.4M966,872 shGEODE CAPITAL MANAGEMENT, LLC
$39.3M939,958 shSTATE STREET CORP
$38.4M919,063 shChamplain Investment Partners, LLC
$26.2M626,447 shROYCE & ASSOCIATES LP
$22.9M548,452 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $113.1M | 2,706,469 |
| FRANKLIN RESOURCES INC | $78.6M | 1,880,546 |
| VANGUARD CAPITAL MANAGEMENT LLC | $63.7M | 1,523,155 |
| DIMENSIONAL FUND ADVISORS LP | $51.0M | 1,219,958 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $48.2M | 1,152,695 |
| GERMAN AMERICAN BANCORP, INC. | $40.4M | 966,872 |
| GEODE CAPITAL MANAGEMENT, LLC | $39.3M | 939,958 |
| STATE STREET CORP | $38.4M | 919,063 |
| Champlain Investment Partners, LLC | $26.2M | 626,447 |
| ROYCE & ASSOCIATES LP | $22.9M | 548,452 |
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Popular Research
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.
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.