GREAT SOUTHERN BANCORP INC (GSBC)
US3909051076 - Common Stock
Overall GSBC gets a fundamental rating of 3 out of 10. We evaluated GSBC against 412 industry peers in the Banks industry. There are concerns on the financial health of GSBC while its profitability can be described as average. GSBC has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
GSBC had positive earnings in the past year.
In the past year GSBC had a positive cash flow from operations.
Each year in the past 5 years GSBC has been profitable.
GSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
GSBC's Return On Assets of 1.17% is fine compared to the rest of the industry. GSBC outperforms 75.24% of its industry peers.
Looking at the Return On Equity, with a value of 11.86%, GSBC is in the better half of the industry, outperforming 78.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 11.86% | ||
| ROIC | N/A |
ROA(3y)1.29%
ROA(5y)1.28%
ROE(3y)12.73%
ROE(5y)11.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 30.37%, GSBC is in the better half of the industry, outperforming 77.18% of the companies in the same industry.
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) | 30.37% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.81%
PM growth 5Y-1.55%
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.
GSBC has less shares outstanding than it did 1 year ago.
GSBC has less shares outstanding than it did 5 years ago.
GSBC has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of GSBC is 5.77, which is a neutral value as it means it would take GSBC, 5.77 years of fcf income to pay off all of its debts.
GSBC has a worse Debt to FCF ratio (5.77) than 70.39% of its industry peers.
A Debt/Equity ratio of 0.74 indicates that GSBC is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.74, GSBC is not doing good in the industry: 78.16% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 5.77 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
GSBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.79%.
Measured over the past 5 years, GSBC shows a small growth in Earnings Per Share. The EPS has been growing by 6.04% on average per year.
Looking at the last year, GSBC shows a decrease in Revenue. The Revenue has decreased by -4.48% in the last year.
The Revenue has been growing slightly by 1.78% on average over the past years.
EPS 1Y (TTM)-6.79%
EPS 3Y10.17%
EPS 5Y6.04%
EPS growth Q2Q-39.67%
Revenue 1Y (TTM)-4.48%
Revenue growth 3Y1.71%
Revenue growth 5Y1.78%
Revenue growth Q2Q-16.97%
3.2 Future
The Earnings Per Share is expected to decrease by -4.21% on average over the next years.
The Revenue is expected to grow by 0.07% on average over the next years.
EPS Next Y-15.3%
EPS Next 2Y-4.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.91%
Revenue Next 2Y0.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.40, which indicates a very decent valuation of GSBC.
GSBC's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 24.55. GSBC is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.10, the valuation of GSBC can be described as reasonable.
GSBC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.92, GSBC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.4 | ||
| Fwd PE | 11.1 |
4.2 Price Multiples
GSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.46 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
GSBC's earnings are expected to decrease with -4.21% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.56
EPS Next 2Y-4.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.02%, GSBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.86, GSBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, 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 is nicely growing with an annual growth rate of 7.55%!
GSBC has been paying a dividend for at least 10 years, so it has a reliable track record.
GSBC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.55%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
GSBC pays out 28.44% of its income as dividend. This is a sustainable payout ratio.
DP28.44%
EPS Next 2Y-4.21%
EPS Next 3YN/A
GREAT SOUTHERN BANCORP INC
NASDAQ:GSBC (5/2/2024, 2:48:30 PM)
52.91
+0.61 (+1.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap620.63M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.4 | ||
| Fwd PE | 11.1 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.56
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.17% | ||
| ROE | 11.86% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 30.37% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-6.79%
EPS 3Y10.17%
EPS 5Y
EPS growth Q2Q
EPS Next Y-15.3%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.48%
Revenue growth 3Y1.71%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y