GREAT SOUTHERN BANCORP INC (GSBC) Stock Fundamental Analysis
NASDAQ:GSBC - Nasdaq - US3909051076 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to GSBC. GSBC was compared to 396 industry peers in the Banks industry. There are concerns on the financial health of GSBC while its profitability can be described as average. GSBC is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years GSBC always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of GSBC (1.09%) is better than 73.23% of its industry peers.
GSBC's Return On Equity of 10.69% is fine compared to the rest of the industry. GSBC outperforms 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.69% | ||
| 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 has a better Profit Margin (29.27%) than 81.31% of its industry peers.
GSBC's Profit Margin has declined in the last couple of years.
GSBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.27% | ||
| 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
2. Health
2.1 Basic Checks
GSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, GSBC has less shares outstanding
GSBC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GSBC has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GSBC is 2.21, which is a good value as it means it would take GSBC, 2.21 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GSBC (2.21) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.29 indicates that GSBC is not too dependend on debt financing.
The Debt to Equity ratio of GSBC (0.29) is worse than 70.45% of its industry peers.
Although GSBC does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 2.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.93%, which is quite good.
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%26.4%
3.2 Future
The Earnings Per Share is expected to grow by 1.27% on average over the next years.
The Revenue is expected to grow by 2.88% on average over the next years.
EPS Next Y6.45%
EPS Next 2Y1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.75%
Revenue Next 2Y2.88%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.33, which indicates a very decent valuation of GSBC.
Based on the Price/Earnings ratio, GSBC is valued cheaper than 80.81% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.69. GSBC is valued rather cheaply when compared to this.
GSBC is valuated reasonably with a Price/Forward Earnings ratio of 11.24.
The rest of the industry has a similar Price/Forward Earnings ratio as GSBC.
The average S&P500 Price/Forward Earnings ratio is at 37.36. GSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 11.24 |
4.2 Price Multiples
GSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GSBC is cheaper than 78.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GSBC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.6
PEG (5Y)16.66
EPS Next 2Y1.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.65%, 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 | 2.65% |
5.2 History
The dividend of GSBC decreases each year by -4.88%.
GSBC has paid a dividend for at least 10 years, which is 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
28.49% of the earnings are spent on dividend by GSBC. This is a low number and sustainable payout ratio.
DP28.49%
EPS Next 2Y1.27%
EPS Next 3YN/A
60.62
+0.16 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners44.6%
Inst Owner Change-0.13%
Ins Owners26.94%
Ins Owner Change-0.57%
Market Cap691.07M
Analysts45.71
Price Target60.69 (0.12%)
Short Float %2.02%
Short Ratio2.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.65% |
Yearly Dividend1.59
Dividend Growth(5Y)-4.88%
DP28.49%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.05%
Min EPS beat(2)-5.67%
Max EPS beat(2)13.78%
EPS beat(4)3
Avg EPS beat(4)8.9%
Min EPS beat(4)-5.67%
Max EPS beat(4)17.78%
EPS beat(8)6
Avg EPS beat(8)5.28%
EPS beat(12)9
Avg EPS beat(12)4.88%
EPS beat(16)12
Avg EPS beat(16)4.93%
Revenue beat(2)2
Avg Revenue beat(2)6.64%
Min Revenue beat(2)0.14%
Max Revenue beat(2)13.15%
Revenue beat(4)2
Avg Revenue beat(4)0.96%
Min Revenue beat(4)-7.8%
Max Revenue beat(4)13.15%
Revenue beat(8)2
Avg Revenue beat(8)-3.25%
Revenue beat(12)6
Avg Revenue beat(12)3.14%
Revenue beat(16)10
Avg Revenue beat(16)7.59%
PT rev (1m)0.85%
PT rev (3m)-5.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.5%
EPS NY rev (1m)0%
EPS NY rev (3m)3.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.33 | ||
| Fwd PE | 11.24 | ||
| P/S | 3.08 | ||
| P/FCF | 8.64 | ||
| P/OCF | 8.04 | ||
| P/B | 1.13 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.87
EY9.68%
EPS(NY)5.39
Fwd EY8.9%
FCF(TTM)7.01
FCFY11.57%
OCF(TTM)7.54
OCFY12.44%
SpS19.65
BVpS53.8
TBVpS52.92
PEG (NY)1.6
PEG (5Y)16.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 10.69% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.27% | ||
| GM | N/A | ||
| FCFM | 35.69% |
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 | 0.29 | ||
| Debt/FCF | 2.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 70.58% | ||
| Cap/Sales | 2.7% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 121.96% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14%
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 Y6.45%
EPS Next 2Y1.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.57%
Revenue growth 3Y0.54%
Revenue growth 5Y0.77%
Sales Q2Q%26.4%
Revenue Next Year4.75%
Revenue Next 2Y2.88%
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 1Y314.27%
FCF growth 3Y-20.97%
FCF growth 5Y-12.1%
OCF growth 1Y111.83%
OCF growth 3Y-19.67%
OCF growth 5Y-12.6%