GREAT SOUTHERN BANCORP INC (GSBC) Fundamental Analysis & Valuation

NASDAQ:GSBC • US3909051076

Current stock price

64.06 USD
+0.93 (+1.47%)
Last:

This GSBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GSBC Profitability Analysis

1.1 Basic Checks

  • GSBC had positive earnings in the past year.
  • In the past year GSBC had a positive cash flow from operations.
  • GSBC had positive earnings in each of the past 5 years.
  • In the past 5 years GSBC always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of GSBC (1.27%) is better than 78.68% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.16%, GSBC is in the better half of the industry, outperforming 72.89% of the companies in the same industry.
Industry RankSector Rank
ROA 1.27%
ROE 11.16%
ROIC N/A
ROA(3y)1.16%
ROA(5y)1.23%
ROE(3y)11.11%
ROE(5y)11.93%
ROIC(3y)N/A
ROIC(5y)N/A
GSBC Yearly ROA, ROE, ROICGSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • GSBC has a Profit Margin of 30.95%. This is in the better half of the industry: GSBC outperforms 78.42% of its industry peers.
  • GSBC's Profit Margin has improved in the last couple of years.
  • 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) 30.95%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.59%
PM growth 5Y2.07%
GM growth 3YN/A
GM growth 5YN/A
GSBC Yearly Profit, Operating, Gross MarginsGSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. GSBC Health Analysis

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
  • Compared to 5 years ago, GSBC has less shares outstanding
  • The debt/assets ratio for GSBC has been reduced compared to a year ago.
GSBC Yearly Shares OutstandingGSBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
GSBC Yearly Total Debt VS Total AssetsGSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of GSBC is 1.07, which is an excellent value as it means it would take GSBC, only 1.07 years of fcf income to pay off all of its debts.
  • GSBC has a Debt to FCF ratio of 1.07. This is in the better half of the industry: GSBC outperforms 67.11% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that GSBC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.12, GSBC is in the better half of the industry, outperforming 62.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC13.45%
GSBC Yearly LT Debt VS Equity VS FCFGSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. GSBC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.87% over the past year.
  • The Earnings Per Share has been growing by 8.05% on average over the past years. This is quite good.
  • Looking at the last year, GSBC shows a small growth in Revenue. The Revenue has grown by 4.36% in the last year.
  • Measured over the past years, GSBC shows a small growth in Revenue. The Revenue has been growing by 1.56% on average per year.
EPS 1Y (TTM)17.87%
EPS 3Y0.88%
EPS 5Y8.05%
EPS Q2Q%14.17%
Revenue 1Y (TTM)4.36%
Revenue growth 3Y-0.63%
Revenue growth 5Y1.56%
Sales Q2Q%13.76%

3.2 Future

  • Based on estimates for the next years, GSBC will show a decrease in Earnings Per Share. The EPS will decrease by -5.57% on average per year.
  • GSBC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.26% yearly.
EPS Next Y-13.79%
EPS Next 2Y-5.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3%
Revenue Next 2Y-0.26%
Revenue Next 3YN/A
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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GSBC Yearly Revenue VS EstimatesGSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
GSBC Yearly EPS VS EstimatesGSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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4

4. GSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • GSBC is valuated reasonably with a Price/Earnings ratio of 10.33.
  • 75.26% of the companies in the same industry are more expensive than GSBC, based on the Price/Earnings ratio.
  • GSBC is valuated cheaply when we compare the Price/Earnings ratio to 25.58, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 11.99 indicates a reasonable valuation of GSBC.
  • GSBC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. GSBC is more expensive than 63.95% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of GSBC to the average of the S&P500 Index (22.81), we can say GSBC is valued slightly cheaper.
Industry RankSector Rank
PE 10.33
Fwd PE 11.99
GSBC Price Earnings VS Forward Price EarningsGSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, GSBC is valued a bit cheaper than 67.89% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.02
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

  • A cheap valuation may be justified as GSBC's earnings are expected to decrease with -5.57% in the coming years.
PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y-5.57%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. GSBC Dividend Analysis

5.1 Amount

  • GSBC has a Yearly Dividend Yield of 2.74%.
  • GSBC's Dividend Yield is comparable with the industry average which is at 2.66.
  • GSBC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.74%

5.2 History

  • The dividend of GSBC decreases each year by -7.12%.
  • 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)-7.12%
Div Incr Years3
Div Non Decr Years3
GSBC Yearly Dividends per shareGSBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

  • GSBC pays out 26.38% of its income as dividend. This is a sustainable payout ratio.
  • GSBC's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP26.38%
EPS Next 2Y-5.57%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
GSBC Dividend Payout.GSBC Dividend Payout, showing the Payout Ratio.GSBC Dividend Payout.PayoutRetained Earnings

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GSBC Fundamentals: All Metrics, Ratios and Statistics

GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (4/1/2026, 2:58:46 PM)

64.06

+0.93 (+1.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-15
Inst Owners46.52%
Inst Owner Change-1.47%
Ins Owners27.99%
Ins Owner Change0.38%
Market Cap702.10M
Revenue(TTM)229.28M
Net Income(TTM)70.97M
Analysts45.71
Price Target65.28 (1.9%)
Short Float %3.94%
Short Ratio4.29
Dividend
Industry RankSector Rank
Dividend Yield 2.74%
Yearly Dividend1.64
Dividend Growth(5Y)-7.12%
DP26.38%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.75%
Min EPS beat(2)3.34%
Max EPS beat(2)6.17%
EPS beat(4)4
Avg EPS beat(4)12.25%
Min EPS beat(4)3.34%
Max EPS beat(4)25.7%
EPS beat(8)7
Avg EPS beat(8)9.7%
EPS beat(12)10
Avg EPS beat(12)7.16%
EPS beat(16)13
Avg EPS beat(16)6.42%
Revenue beat(2)1
Avg Revenue beat(2)7.26%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)14.92%
Revenue beat(4)3
Avg Revenue beat(4)7.23%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)14.92%
Revenue beat(8)4
Avg Revenue beat(8)1.51%
Revenue beat(12)5
Avg Revenue beat(12)0.21%
Revenue beat(16)9
Avg Revenue beat(16)4.81%
PT rev (1m)0%
PT rev (3m)4.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.49%
EPS NY rev (1m)0.77%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.76%
Valuation
Industry RankSector Rank
PE 10.33
Fwd PE 11.99
P/S 3.06
P/FCF 10.02
P/OCF 8.61
P/B 1.1
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)6.2
EY9.68%
EPS(NY)5.34
Fwd EY8.34%
FCF(TTM)6.39
FCFY9.98%
OCF(TTM)7.44
OCFY11.61%
SpS20.92
BVpS58.04
TBVpS57.16
PEG (NY)N/A
PEG (5Y)1.28
Graham Number89.98
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 11.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.95%
GM N/A
FCFM 30.55%
ROA(3y)1.16%
ROA(5y)1.23%
ROE(3y)11.11%
ROE(5y)11.93%
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-1.59%
PM growth 5Y2.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr 134.71%
Cap/Sales 5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.45%
ROIC/WACCN/A
Cap/Depr(3y)89.37%
Cap/Depr(5y)105.25%
Cap/Sales(3y)3.5%
Cap/Sales(5y)4.35%
Profit Quality(3y)90.1%
Profit Quality(5y)87.57%
High Growth Momentum
Growth
EPS 1Y (TTM)17.87%
EPS 3Y0.88%
EPS 5Y8.05%
EPS Q2Q%14.17%
EPS Next Y-13.79%
EPS Next 2Y-5.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.36%
Revenue growth 3Y-0.63%
Revenue growth 5Y1.56%
Sales Q2Q%13.76%
Revenue Next Year-3%
Revenue Next 2Y-0.26%
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 1Y78.99%
FCF growth 3Y14.64%
FCF growth 5Y13.13%
OCF growth 1Y85.01%
OCF growth 3Y6.97%
OCF growth 5Y12.13%

GREAT SOUTHERN BANCORP INC / GSBC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for GREAT SOUTHERN BANCORP INC?

ChartMill assigns a fundamental rating of 4 / 10 to GSBC.


What is the valuation status of GREAT SOUTHERN BANCORP INC (GSBC) stock?

ChartMill assigns a valuation rating of 4 / 10 to GREAT SOUTHERN BANCORP INC (GSBC). This can be considered as Fairly Valued.


How profitable is GREAT SOUTHERN BANCORP INC (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 10.33 and the Price/Book (PB) ratio is 1.1.


Is the dividend of GREAT SOUTHERN BANCORP INC sustainable?

The dividend rating of GREAT SOUTHERN BANCORP INC (GSBC) is 5 / 10 and the dividend payout ratio is 26.38%.