GSBC Fundamental Analysis - GREAT SOUTHERN BANCORP INC

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to GSBC. GSBC was compared to 391 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.

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1. Profitability

1.1 Basic Checks

In the past year GSBC was profitable.

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

In the past 5 years GSBC has always been profitable.

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

1.2 Ratios

The Return On Assets of GSBC (1.17%) is better than 76.47% of its industry peers.

GSBC has a Return On Equity of 10.98%. This is in the better half of the industry: GSBC outperforms 76.47% 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 81.33% of the companies in the same industry.

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)	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.

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.

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

2.2 Solvency

GSBC has a debt to FCF ratio of 1.12. This is a very positive value and a sign of high solvency as it would only need 1.12 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 1.12, GSBC is doing good in the industry, outperforming 65.98% of the companies in the same industry.

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

GSBC has a better Debt to Equity ratio (0.13) than 61.38% of its industry peers.

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

ROIC/WACCN/A

WACC14.03%

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

The Earnings Per Share has grown by an nice 18.04% 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.

Looking at the last year, GSBC shows a small growth in Revenue. The Revenue has grown by 6.72% in the last 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.

GSBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.10% yearly.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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

Based on the Price/Earnings ratio of 9.46, the valuation of GSBC can be described as reasonable.

Based on the Price/Earnings ratio, GSBC is valued cheaply inside the industry as 80.82% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.67, GSBC is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.66, the valuation of GSBC can be described as reasonable.

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

GSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.33.

		Industry Rank	Sector Rank
PE	9.46
Fwd PE	10.66

4.2 Price Multiples

73.91% of the companies in the same industry are more expensive than GSBC, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	8.81
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)15.27

EPS Next 2Y0.81%

EPS Next 3Y2.16%

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5. Dividend

5.1 Amount

GSBC has a Yearly Dividend Yield of 3.00%.

Compared to an average industry Dividend Yield of 3.55, GSBC has a dividend in line with its industry peers.

GSBC's Dividend Yield is a higher than the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	3%

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

27.24% of the earnings are spent on dividend by GSBC. This is a low number and sustainable payout ratio.

DP27.24%

EPS Next 2Y0.81%

EPS Next 3Y2.16%

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GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (10/23/2025, 8:06:33 PM)

56.97

-0.81 (-1.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-15 2025-10-15/amc

Earnings (Next)01-21 2026-01-21/amc

Inst Owners45.4%

Inst Owner Change0.2%

Ins Owners27.28%

Ins Owner Change-0.57%

Market Cap642.05M

Revenue(TTM)229.40M

Net Income(TTM)68.36M

Analysts45.71

Price Target64.77 (13.69%)

Short Float %2.04%

Short Ratio4.39

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3%

Yearly Dividend1.59

Dividend Growth(5Y)-4.88%

DP27.24%

Div Incr Years3

Div Non Decr Years3

Ex-Date09-29 2025-09-29 (0.43)

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)0%

EPS NY rev (3m)9.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.42%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.24%

Valuation

		Industry Rank	Sector Rank
PE	9.46
Fwd PE	10.66
P/S	2.83
P/FCF	8.81
P/OCF	7.85
P/B	1.03
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)6.02

EY10.57%

EPS(NY)5.35

Fwd EY9.38%

FCF(TTM)6.47

FCFY11.35%

OCF(TTM)7.26

OCFY12.74%

SpS20.1

BVpS55.22

TBVpS54.35

PEG (NY)0.53

PEG (5Y)15.27

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

WACC14.03%

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) 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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