GREAT SOUTHERN BANCORP INC(NASDAQ:GSBC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, GSBC scores 4 out of 10 in our fundamental rating. GSBC was compared to 397 industry peers in the Banks industry. GSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. GSBC has a correct valuation and a medium 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.

In the past 5 years GSBC has always been profitable.

In the past 5 years GSBC always reported a positive cash flow from operatings.

1.2 Ratios

GSBC has a Return On Assets of 1.03%. This is in the better half of the industry: GSBC outperforms 69.27% of its industry peers.

Looking at the Return On Equity, with a value of 10.31%, GSBC is in the better half of the industry, outperforming 70.28% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.03%
ROE	10.31%
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 (28.13%) than 77.08% of its industry peers.

In the last couple of years the Profit Margin of GSBC has declined.

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)	28.13%
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.

Compared to 1 year ago, GSBC has less shares outstanding

The number of shares outstanding for GSBC has been reduced compared to 5 years ago.

Compared to 1 year ago, GSBC has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of GSBC is 4.25, which is a neutral value as it means it would take GSBC, 4.25 years of fcf income to pay off all of its debts.

GSBC has a worse Debt to FCF ratio (4.25) than 67.76% of its industry peers.

A Debt/Equity ratio of 0.28 indicates that GSBC is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.28, GSBC is not doing good in the industry: 66.25% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	4.25
Altman-Z	N/A

ROIC/WACCN/A

WACC14.08%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

GSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.02%, which is quite good.

The Earnings Per Share has been growing slightly by 0.62% on average over the past years.

The Revenue has been growing slightly by 4.76% in the past year.

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)10.02%

EPS 3Y-0.93%

EPS 5Y0.62%

EPS Q2Q%30.09%

Revenue 1Y (TTM)4.76%

Revenue growth 3Y0.54%

Revenue growth 5Y0.77%

Sales Q2Q%10.08%

3.2 Future

Based on estimates for the next years, GSBC will show a small growth in Earnings Per Share. The EPS will grow by 1.50% on average per year.

Based on estimates for the next years, GSBC will show a small growth in Revenue. The Revenue will grow by 4.96% on average per year.

EPS Next Y2.51%

EPS Next 2Y1.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.81%

Revenue Next 2Y4.96%

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

With a Price/Earnings ratio of 10.03, the valuation of GSBC can be described as very reasonable.

Based on the Price/Earnings ratio, GSBC is valued a bit cheaper than 74.06% of the companies in the same industry.

When comparing the Price/Earnings ratio of GSBC to the average of the S&P500 Index (28.10), we can say GSBC is valued rather cheaply.

GSBC is valuated reasonably with a Price/Forward Earnings ratio of 10.36.

GSBC's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 20.74. GSBC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.03
Fwd PE	10.36

4.2 Price Multiples

67.76% of the companies in the same industry are cheaper than GSBC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	16.6
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates GSBC does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)3.99

PEG (5Y)16.18

EPS Next 2Y1.5%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.88%, GSBC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.49, GSBC has a dividend in line with its industry peers.

GSBC's Dividend Yield is comparable with the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	2.88%

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 Years2

Div Non Decr Years3

5.3 Sustainability

GSBC pays out 30.27% of its income as dividend. This is a sustainable payout ratio.

DP30.27%

EPS Next 2Y1.5%

EPS Next 3YN/A

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GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (5/5/2025, 8:15:18 PM)

After market: 56.16 0 (0%)

56.16

-0.33 (-0.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-16 2025-04-16/amc

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

Inst Owners45.24%

Inst Owner Change-0.79%

Ins Owners26.52%

Ins Owner Change0%

Market Cap649.77M

Analysts47.5

Price Target60.18 (7.16%)

Short Float %1.98%

Short Ratio4.68

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.88%

Yearly Dividend1.59

Dividend Growth(5Y)-4.88%

DP30.27%

Div Incr Years2

Div Non Decr Years3

Ex-Date03-31 2025-03-31 (0.4)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.02%

Min EPS beat(2)-5.67%

Max EPS beat(2)9.71%

EPS beat(4)3

Avg EPS beat(4)7.16%

Min EPS beat(4)-5.67%

Max EPS beat(4)17.78%

EPS beat(8)6

Avg EPS beat(8)4.61%

EPS beat(12)9

Avg EPS beat(12)4.48%

EPS beat(16)12

Avg EPS beat(16)5.02%

Revenue beat(2)1

Avg Revenue beat(2)-3.83%

Min Revenue beat(2)-7.8%

Max Revenue beat(2)0.14%

Revenue beat(4)1

Avg Revenue beat(4)-4.21%

Min Revenue beat(4)-7.8%

Max Revenue beat(4)0.14%

Revenue beat(8)2

Avg Revenue beat(8)-3.3%

Revenue beat(12)6

Avg Revenue beat(12)4.01%

Revenue beat(16)10

Avg Revenue beat(16)8.08%

PT rev (1m)-7.33%

PT rev (3m)-7.33%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.4%

EPS NY rev (3m)1.4%

Revenue NQ rev (1m)-0.01%

Revenue NQ rev (3m)-0.01%

Revenue NY rev (1m)4.67%

Revenue NY rev (3m)4.84%

Valuation

		Industry Rank	Sector Rank
PE	10.03
Fwd PE	10.36
P/S	2.96
P/FCF	16.6
P/OCF	14.75
P/B	1.08
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)5.6

EY9.97%

EPS(NY)5.42

Fwd EY9.65%

FCF(TTM)3.38

FCFY6.02%

OCF(TTM)3.81

OCFY6.78%

SpS18.99

BVpS51.82

TBVpS50.95

PEG (NY)3.99

PEG (5Y)16.18

Profitability

		Industry Rank	Sector Rank
ROA	1.03%
ROE	10.31%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.13%
GM	N/A
FCFM	17.81%

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-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	4.25
Debt/EBITDA	N/A
Cap/Depr	55.02%
Cap/Sales	2.24%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	63.33%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC14.08%

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)10.02%

EPS 3Y-0.93%

EPS 5Y0.62%

EPS Q2Q%30.09%

EPS Next Y2.51%

EPS Next 2Y1.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.76%

Revenue growth 3Y0.54%

Revenue growth 5Y0.77%

Sales Q2Q%10.08%

Revenue Next Year9.81%

Revenue Next 2Y4.96%

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 1Y-46.68%

FCF growth 3Y-20.97%

FCF growth 5Y-12.1%

OCF growth 1Y-45.4%

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

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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