GREAT SOUTHERN BANCORP INC (GSBC) Stock Fundamental Analysis
USA - NASDAQ:GSBC - US3909051076 - Common Stock
57.6 USD
+0.21 (+0.37%)
57.6 USD
0 (0%)
GSBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. Both the profitability and the financial health of GSBC get a neutral evaluation. Nothing too spectacular is happening here. GSBC has a correct valuation and a medium 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.
GSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GSBC has a Return On Assets of 1.17%. This is in the better half of the industry: GSBC outperforms 76.41% of its industry peers.
GSBC has a Return On Equity of 10.98%. This is in the better half of the industry: GSBC outperforms 75.38% 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
With an excellent Profit Margin value of 30.18%, GSBC belongs to the best of the industry, outperforming 81.28% of the companies in the same industry.
In the last couple of years the Profit Margin of GSBC has declined.
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
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.
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 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's Debt to FCF ratio of 1.12 is fine compared to the rest of the industry. GSBC outperforms 66.15% of its industry peers.
GSBC has a Debt/Equity ratio of 0.13. This is a healthy value indicating a solid balance between debt and equity.
GSBC's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. GSBC outperforms 61.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.13 | ||
| Debt/FCF | 1.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.97%
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 18.04%, 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 6.72% in the past year.
GSBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.77% yearly.
EPS 1Y (TTM)18.04%
EPS 3Y-0.93%
EPS 5Y0.62%
EPS Q2Q%10.64%
Revenue 1Y (TTM)6.72%
Revenue growth 3Y0.54%
Revenue growth 5Y0.77%
Sales Q2Q%5.83%
3.2 Future
GSBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.16% yearly.
The Revenue is expected to grow by 2.10% on average over the next years.
EPS Next Y17.9%
EPS Next 2Y0.81%
EPS Next 3Y2.16%
EPS Next 5YN/A
Revenue Next Year5.64%
Revenue Next 2Y2.24%
Revenue Next 3Y2.1%
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
With a Price/Earnings ratio of 9.57, the valuation of GSBC can be described as very reasonable.
79.23% of the companies in the same industry are more expensive than GSBC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of GSBC to the average of the S&P500 Index (27.00), we can say GSBC is valued rather cheaply.
A Price/Forward Earnings ratio of 10.77 indicates a reasonable valuation of GSBC.
GSBC's Price/Forward Earnings ratio is in line with the industry average.
GSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 10.77 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GSBC is valued a bit cheaper than the industry average as 74.62% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.91 | ||
| 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)0.53
PEG (5Y)15.44
EPS Next 2Y0.81%
EPS Next 3Y2.16%
5. Dividend
5.1 Amount
GSBC has a Yearly Dividend Yield of 3.02%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.50, GSBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, GSBC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
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 2Y0.81%
EPS Next 3Y2.16%
57.6
+0.21 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.4%
Inst Owner Change-0.45%
Ins Owners27.28%
Ins Owner Change-0.57%
Market Cap649.15M
Revenue(TTM)229.40M
Net Income(TTM)68.36M
Analysts45.71
Price Target64.77 (12.45%)
Short Float %2.48%
Short Ratio5.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
Yearly Dividend1.59
Dividend Growth(5Y)-4.88%
DP27.24%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)0%
PT rev (3m)6.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.64%
EPS NY rev (1m)1.59%
EPS NY rev (3m)10.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.42%
Revenue NY rev (1m)0.61%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.57 | ||
| Fwd PE | 10.77 | ||
| P/S | 2.87 | ||
| P/FCF | 8.91 | ||
| P/OCF | 7.94 | ||
| P/B | 1.04 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.02
EY10.45%
EPS(NY)5.35
Fwd EY9.28%
FCF(TTM)6.47
FCFY11.23%
OCF(TTM)7.26
OCFY12.6%
SpS20.1
BVpS55.22
TBVpS54.35
PEG (NY)0.53
PEG (5Y)15.44
Graham Number86.49
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
ROICexgc growth 3YN/A
ROICexgc 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
WACC13.97%
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)18.04%
EPS 3Y-0.93%
EPS 5Y0.62%
EPS Q2Q%10.64%
EPS Next Y17.9%
EPS Next 2Y0.81%
EPS Next 3Y2.16%
EPS Next 5YN/A
Revenue 1Y (TTM)6.72%
Revenue growth 3Y0.54%
Revenue growth 5Y0.77%
Sales Q2Q%5.83%
Revenue Next Year5.64%
Revenue Next 2Y2.24%
Revenue Next 3Y2.1%
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 FAQ
What is the fundamental rating for GSBC stock?
ChartMill assigns a fundamental rating of 5 / 10 to GSBC.
What is the valuation status for GSBC stock?
ChartMill assigns a valuation rating of 6 / 10 to GREAT SOUTHERN BANCORP INC (GSBC). This can be considered as Fairly Valued.
What is the profitability of GSBC stock?
GREAT SOUTHERN BANCORP INC (GSBC) has a profitability rating of 4 / 10.
What is the valuation of GREAT SOUTHERN BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GREAT SOUTHERN BANCORP INC (GSBC) is 9.57 and the Price/Book (PB) ratio is 1.04.
What is the expected EPS growth for GREAT SOUTHERN BANCORP INC (GSBC) stock?
The Earnings per Share (EPS) of GREAT SOUTHERN BANCORP INC (GSBC) is expected to grow by 17.9% in the next year.