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GREAT SOUTHERN BANCORP INC (GSBC) Stock Fundamental Analysis

NASDAQ:GSBC - Nasdaq - US3909051076 - Common Stock - Currency: USD

59.82  +0.44 (+0.74%)

Fundamental Rating

4

GSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years GSBC had a positive operating cash flow.
GSBC Yearly Net Income VS EBIT VS OCF VS FCFGSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

With a decent Return On Assets value of 1.09%, GSBC is doing good in the industry, outperforming 73.28% of the companies in the same industry.
GSBC's Return On Equity of 10.69% is fine compared to the rest of the industry. GSBC outperforms 75.32% of its industry peers.
Industry RankSector 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
GSBC Yearly ROA, ROE, ROICGSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

With an excellent Profit Margin value of 29.27%, GSBC belongs to the best of the industry, outperforming 80.92% 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 RankSector 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
GSBC Yearly Profit, Operating, Gross MarginsGSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

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.
GSBC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, GSBC has an improved debt to assets ratio.
GSBC Yearly Shares OutstandingGSBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M
GSBC Yearly Total Debt VS Total AssetsGSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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.
GSBC has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
GSBC's Debt to Equity ratio of 0.29 is on the low side compared to the rest of the industry. GSBC is outperformed by 69.97% 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 RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.21
Altman-Z N/A
ROIC/WACCN/A
WACC14.12%
GSBC Yearly LT Debt VS Equity VS FCFGSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GSBC Yearly Current Assets VS Current LiabilitesGSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.93% over the past year.
The Earnings Per Share has been growing slightly by 0.62% on average over the past years.
GSBC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.57%.
GSBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.77% yearly.
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%8.85%

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 1.27% on average per year.
GSBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.88% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
GSBC Yearly Revenue VS EstimatesGSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
GSBC Yearly EPS VS EstimatesGSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.19, the valuation of GSBC can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of GSBC indicates a rather cheap valuation: GSBC is cheaper than 81.17% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.93. GSBC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.09 indicates a reasonable valuation of GSBC.
GSBC's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of GSBC to the average of the S&P500 Index (37.78), we can say GSBC is valued rather cheaply.
Industry RankSector Rank
PE 10.19
Fwd PE 11.09
GSBC Price Earnings VS Forward Price EarningsGSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, GSBC is valued a bit cheaper than the industry average as 78.88% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.53
EV/EBITDA N/A
GSBC Per share dataGSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.58
PEG (5Y)16.44
EPS Next 2Y1.27%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.64%, GSBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.40, GSBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, GSBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.64%

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
GSBC Yearly Dividends per shareGSBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

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
GSBC Yearly Income VS Free CF VS DividendGSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
GSBC Dividend Payout.GSBC Dividend Payout, showing the Payout Ratio.GSBC Dividend Payout.PayoutRetained Earnings

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GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (7/29/2025, 10:04:42 AM)

59.82

+0.44 (+0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16/amc
Earnings (Next)10-16 2025-10-16/amc
Inst Owners44.6%
Inst Owner Change-0.13%
Ins Owners26.94%
Ins Owner Change-0.57%
Market Cap681.95M
Analysts45.71
Price Target60.69 (1.45%)
Short Float %1.79%
Short Ratio2.25
Dividend
Industry RankSector Rank
Dividend Yield 2.64%
Yearly Dividend1.59
Dividend Growth(5Y)-4.88%
DP28.49%
Div Incr Years3
Div Non Decr Years3
Ex-Date06-30 2025-06-30 (0.4)
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%
PT rev (3m)0.85%
EPS NQ rev (1m)0.94%
EPS NQ rev (3m)2.46%
EPS NY rev (1m)0%
EPS NY rev (3m)3.84%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.61%
Valuation
Industry RankSector Rank
PE 10.19
Fwd PE 11.09
P/S 3.04
P/FCF 8.53
P/OCF 7.93
P/B 1.11
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)5.87
EY9.81%
EPS(NY)5.39
Fwd EY9.02%
FCF(TTM)7.01
FCFY11.72%
OCF(TTM)7.54
OCFY12.61%
SpS19.65
BVpS53.8
TBVpS52.92
PEG (NY)1.58
PEG (5Y)16.44
Profitability
Industry RankSector 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 RankSector 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
WACC14.12%
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%8.85%
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%