GREAT SOUTHERN BANCORP INC (GSBC) Fundamental Analysis & Valuation

NASDAQ:GSBC • US3909051076

61.62 USD
+0.05 (+0.08%)
At close: Mar 10, 2026
61.62 USD
0 (0%)
After Hours: 3/10/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GSBC. GSBC was compared to 381 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 on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. GSBC Profitability Analysis

1.1 Basic Checks

  • In the past year GSBC was profitable.
  • GSBC had a positive operating cash flow in the past year.
  • GSBC had positive earnings in each of the past 5 years.
  • Of the past 5 years GSBC 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • With a decent Return On Assets value of 1.21%, GSBC is doing good in the industry, outperforming 76.90% of the companies in the same industry.
  • GSBC has a Return On Equity of 11.00%. This is in the better half of the industry: GSBC outperforms 71.92% of its industry peers.
Industry RankSector Rank
ROA 1.21%
ROE 11%
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's Profit Margin of 30.35% is fine compared to the rest of the industry. GSBC outperforms 77.95% 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) 30.35%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • GSBC has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GSBC has less shares outstanding
  • Compared to 1 year ago, GSBC has a worse debt to assets ratio.
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 1.15, which is an excellent value as it means it would take GSBC, only 1.15 years of fcf income to pay off all of its debts.
  • GSBC has a better Debt to FCF ratio (1.15) than 64.83% of its industry peers.
  • GSBC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of GSBC (0.11) is better than 64.83% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 1.15
Altman-Z N/A
ROIC/WACCN/A
WACC13.76%
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

More info and screens

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

3

3. GSBC Growth Analysis

3.1 Past

  • GSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.87%, which is quite good.
  • GSBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.05% yearly.
  • GSBC shows a small growth in Revenue. In the last year, the Revenue has grown by 4.36%.
  • 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

  • The Earnings Per Share is expected to decrease by -5.57% on average over the next years.
  • Based on estimates for the next years, GSBC will show a decrease in Revenue. The Revenue will decrease by -0.26% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. GSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.94 indicates a reasonable valuation of GSBC.
  • Based on the Price/Earnings ratio, GSBC is valued a bit cheaper than 77.95% of the companies in the same industry.
  • GSBC is valuated cheaply when we compare the Price/Earnings ratio to 26.45, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.53, which indicates a very decent valuation of GSBC.
  • Based on the Price/Forward Earnings ratio, GSBC is valued a bit more expensive than 62.47% of the companies in the same industry.
  • GSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.65.
Industry RankSector Rank
PE 9.94
Fwd PE 11.53
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

  • GSBC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.32
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

  • GSBC's earnings are expected to decrease with -5.57% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.23
EPS Next 2Y-5.57%
EPS Next 3YN/A

More info and screens

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 2.78%.
  • Compared to an average industry Dividend Yield of 2.86, GSBC has a dividend in line with its industry peers.
  • GSBC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.78%

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
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

  • 26.64% of the earnings are spent on dividend by GSBC. This is a low number and sustainable payout ratio.
  • The Dividend Rate of GSBC has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP26.64%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

GSBC Fundamentals: All Metrics, Ratios and Statistics

GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (3/10/2026, 4:30:01 PM)

After market: 61.62 0 (0%)

61.62

+0.05 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)N/A
Inst Owners46.52%
Inst Owner Change-1.47%
Ins Owners27.99%
Ins Owner Change0.38%
Market Cap681.52M
Revenue(TTM)229.28M
Net Income(TTM)69.62M
Analysts45.71
Price Target65.28 (5.94%)
Short Float %3.28%
Short Ratio4.05
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly Dividend1.59
Dividend Growth(5Y)-4.88%
DP26.64%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.52%
Min EPS beat(2)3.34%
Max EPS beat(2)25.7%
EPS beat(4)3
Avg EPS beat(4)9.29%
Min EPS beat(4)-5.67%
Max EPS beat(4)25.7%
EPS beat(8)6
Avg EPS beat(8)8.27%
EPS beat(12)10
Avg EPS beat(12)7.47%
EPS beat(16)12
Avg EPS beat(16)5.28%
Revenue beat(2)1
Avg Revenue beat(2)0.43%
Min Revenue beat(2)-0.39%
Max Revenue beat(2)1.25%
Revenue beat(4)3
Avg Revenue beat(4)3.54%
Min Revenue beat(4)-0.39%
Max Revenue beat(4)13.15%
Revenue beat(8)3
Avg Revenue beat(8)-1.4%
Revenue beat(12)5
Avg Revenue beat(12)-0.04%
Revenue beat(16)9
Avg Revenue beat(16)5.11%
PT rev (1m)1.59%
PT rev (3m)4.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.77%
EPS NY rev (3m)-0.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.95%
Revenue NY rev (1m)0.43%
Revenue NY rev (3m)-1.76%
Valuation
Industry RankSector Rank
PE 9.94
Fwd PE 11.53
P/S 2.97
P/FCF 11.32
P/OCF 9.78
P/B 1.08
P/tB 1.09
EV/EBITDA N/A
EPS(TTM)6.2
EY10.06%
EPS(NY)5.34
Fwd EY8.67%
FCF(TTM)5.44
FCFY8.83%
OCF(TTM)6.3
OCFY10.22%
SpS20.74
BVpS57.23
TBVpS56.34
PEG (NY)N/A
PEG (5Y)1.23
Graham Number89.35
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.35%
GM N/A
FCFM 26.24%
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 0.11
Debt/FCF 1.15
Debt/EBITDA N/A
Cap/Depr 111.68%
Cap/Sales 4.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC13.76%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 1Y-14.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.94%
OCF growth 3YN/A
OCF growth 5YN/A

GREAT SOUTHERN BANCORP INC / GSBC FAQ

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

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


Can you provide the valuation status for GREAT SOUTHERN BANCORP INC?

ChartMill assigns a valuation rating of 4 / 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 earnings growth outlook for GREAT SOUTHERN BANCORP INC?

The Earnings per Share (EPS) of GREAT SOUTHERN BANCORP INC (GSBC) is expected to decline by -13.79% in the next year.


Can you provide the dividend sustainability for GSBC stock?

The dividend rating of GREAT SOUTHERN BANCORP INC (GSBC) is 5 / 10 and the dividend payout ratio is 26.64%.