GSBC Fundamental Analysis - GREAT SOUTHERN BANCORP INC

Fundamental Rating

Taking everything into account, GSBC scores 4 out of 10 in our fundamental rating. GSBC was compared to 393 industry peers in the Banks industry. GSBC has only an average score on both its financial health and profitability. GSBC is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

GSBC had positive earnings in the past year.

GSBC had a positive operating cash flow in the past year.

GSBC had positive earnings in each of the past 5 years.

GSBC had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.17%, GSBC is in the better half of the industry, outperforming 77.35% of the companies in the same industry.

The Return On Equity of GSBC (10.98%) is better than 77.61% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.17%
ROE	10.98%
ROIC	N/A

ROA(3y)1.18%

ROA(5y)1.2%

ROE(3y)12.13%

ROE(5y)11.58%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

GSBC's Profit Margin of 30.18% is amongst the best of the industry. GSBC outperforms 81.42% of its industry peers.

GSBC's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for GSBC so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	30.18%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.58%

PM growth 5Y-4.17%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

GSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for GSBC has been reduced compared to 1 year ago.

GSBC has less shares outstanding than it did 5 years ago.

GSBC has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of GSBC is 1.12, which is an excellent value as it means it would take GSBC, only 1.12 years of fcf income to pay off all of its debts.

GSBC has a Debt to FCF ratio of 1.12. This is in the better half of the industry: GSBC outperforms 67.68% of its industry peers.

A Debt/Equity ratio of 0.13 indicates that GSBC is not too dependend on debt financing.

GSBC has a Debt to Equity ratio of 0.13. This is in the better half of the industry: GSBC outperforms 60.56% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.12
Altman-Z	N/A

ROIC/WACCN/A

WACC13.78%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.93% over the past year.

Measured over the past 5 years, GSBC shows a small growth in Earnings Per Share. The EPS has been growing by 0.62% on average per year.

GSBC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.57%.

Measured over the past years, GSBC shows a small growth in Revenue. The Revenue has been growing by 0.77% on average per year.

EPS 1Y (TTM)16.93%

EPS 3Y-0.93%

EPS 5Y0.62%

EPS Q2Q%18.62%

Revenue 1Y (TTM)5.57%

Revenue growth 3Y0.54%

Revenue growth 5Y0.77%

Sales Q2Q%8.85%

3.2 Future

GSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.88% yearly.

Based on estimates for the next years, GSBC will show a small growth in Revenue. The Revenue will grow by 2.16% on average per year.

EPS Next Y16.06%

EPS Next 2Y1.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year5.01%

Revenue Next 2Y2.16%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

GSBC is valuated reasonably with a Price/Earnings ratio of 10.84.

Based on the Price/Earnings ratio, GSBC is valued a bit cheaper than 75.83% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.14. GSBC is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 11.66, the valuation of GSBC can be described as very reasonable.

Based on the Price/Forward Earnings ratio, GSBC is valued a bit more expensive than 60.81% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.80. GSBC is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	10.84
Fwd PE	11.66

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, GSBC is valued a bit cheaper than 70.48% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.9
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.68

PEG (5Y)17.5

EPS Next 2Y1.88%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.68%, GSBC has a reasonable but not impressive dividend return.

GSBC's Dividend Yield is comparable with the industry average which is at 3.30.

Compared to an average S&P500 Dividend Yield of 2.34, GSBC has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.68%

5.2 History

The dividend of GSBC decreases each year by -4.88%.

GSBC has been paying a dividend for at least 10 years, so it has a reliable track record.

GSBC has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)-4.88%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

GSBC pays out 27.24% of its income as dividend. This is a sustainable payout ratio.

DP27.24%

EPS Next 2Y1.88%

EPS Next 3YN/A

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GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (8/27/2025, 8:00:01 PM)

63.65

+0.45 (+0.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16/amc

Earnings (Next)10-16 2025-10-16/amc

Inst Owners44.95%

Inst Owner Change-1.44%

Ins Owners27.11%

Ins Owner Change-0.57%

Market Cap721.15M

Analysts45.71

Price Target64.77 (1.76%)

Short Float %1.68%

Short Ratio1.98

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.68%

Yearly Dividend1.59

Dividend Growth(5Y)-4.88%

DP27.24%

Div Incr Years3

Div Non Decr Years3

Ex-Date06-30 2025-06-30 (0.4)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.74%

Min EPS beat(2)13.78%

Max EPS beat(2)25.7%

EPS beat(4)3

Avg EPS beat(4)10.88%

Min EPS beat(4)-5.67%

Max EPS beat(4)25.7%

EPS beat(8)6

Avg EPS beat(8)8.22%

EPS beat(12)9

Avg EPS beat(12)6.5%

EPS beat(16)12

Avg EPS beat(16)5.76%

Revenue beat(2)2

Avg Revenue beat(2)7.2%

Min Revenue beat(2)1.25%

Max Revenue beat(2)13.15%

Revenue beat(4)3

Avg Revenue beat(4)1.68%

Min Revenue beat(4)-7.8%

Max Revenue beat(4)13.15%

Revenue beat(8)3

Avg Revenue beat(8)-2.11%

Revenue beat(12)6

Avg Revenue beat(12)1.61%

Revenue beat(16)10

Avg Revenue beat(16)6.4%

PT rev (1m)6.72%

PT rev (3m)7.63%

EPS NQ rev (1m)0%

EPS NQ rev (3m)8.82%

EPS NY rev (1m)9.03%

EPS NY rev (3m)7.65%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.19%

Revenue NY rev (1m)0.24%

Revenue NY rev (3m)-4.38%

Valuation

		Industry Rank	Sector Rank
PE	10.84
Fwd PE	11.66
P/S	3.18
P/FCF	9.9
P/OCF	8.82
P/B	1.16
P/tB	1.18
EV/EBITDA	N/A

EPS(TTM)5.87

EY9.22%

EPS(NY)5.46

Fwd EY8.58%

FCF(TTM)6.43

FCFY10.11%

OCF(TTM)7.22

OCFY11.34%

SpS19.99

BVpS54.93

TBVpS54.06

PEG (NY)0.68

PEG (5Y)17.5

Profitability

		Industry Rank	Sector Rank
ROA	1.17%
ROE	10.98%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	30.18%
GM	N/A
FCFM	32.17%

ROA(3y)1.18%

ROA(5y)1.2%

ROE(3y)12.13%

ROE(5y)11.58%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.58%

PM growth 5Y-4.17%

GM growth 3YN/A

GM growth 5YN/A

F-Score9

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.13
Debt/FCF	1.12
Debt/EBITDA	N/A
Cap/Depr	114%
Cap/Sales	3.94%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	106.61%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score9

WACC13.78%

ROIC/WACCN/A

Cap/Depr(3y)113.54%

Cap/Depr(5y)91.86%

Cap/Sales(3y)4.7%

Cap/Sales(5y)4.12%

Profit Quality(3y)77.62%

Profit Quality(5y)80.58%

High Growth Momentum

Growth

EPS 1Y (TTM)16.93%

EPS 3Y-0.93%

EPS 5Y0.62%

EPS Q2Q%18.62%

EPS Next Y16.06%

EPS Next 2Y1.88%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.57%

Revenue growth 3Y0.54%

Revenue growth 5Y0.77%

Sales Q2Q%8.85%

Revenue Next Year5.01%

Revenue Next 2Y2.16%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y13.86%

FCF growth 3Y-20.97%

FCF growth 5Y-12.1%

OCF growth 1Y5.69%

OCF growth 3Y-19.67%

OCF growth 5Y-12.6%

GREAT SOUTHERN BANCORP INC (GSBC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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