GSBC Stock Analysis: Great Southern Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 853m USD | 12M Return: 37% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 8.48M
EPS Trend: 2.3%
Qual. Beats: 0
Rev. Trend: 14.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Great Southern Bancorp, Inc. is a bank holding company for Great Southern Bank, founded in 1923 and headquartered in Springfield, Missouri. The company operates a community banking franchise across six Midwestern states: Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas. Its deposit offerings span regular savings, checking, money market accounts, fixed-rate certificates with varying maturities, brokered certificates, and individual retirement accounts.
The companys loan portfolio is diversified across residential and commercial real estate, commercial business loans, construction loans, and a range of consumer products including home improvement, automobile, boat, home equity, and savings-secured loans. In addition to traditional banking, Great Southern provides insurance and merchant banking services, reflecting a diversified community financial services model typical of regional banks operating in the GICS Regional Banks sub-industry.
- Mortgage banking revenue swings on refinancing volume
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit risk in Midwest markets
| Net Income: 67.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -116.2% < 20% (prev -1.22k%; Δ 1.10k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 87.7m > Net Income 67.3m |
| Net Debt (414.0m) to EBITDA (82.3m): 5.03 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.0m) vs 12m ago -3.08% < -2% |
| Gross Margin: 68.94% > 18% (prev 63.02%; Δ 5.92% > 0.5%) |
| Asset Turnover: 5.60% > 50% (prev 6.10%; Δ -0.50% > 0%) |
| Interest Coverage Ratio: 0.75 > 6 (EBIT TTM 73.7m / Interest Expense TTM 98.4m) |
| A: -0.07 (Total Current Assets 115.7m - Total Current Liabilities 485.5m) / Total Assets 5.52b |
| B: 0.11 (Retained Earnings 620.0m / Total Assets 5.52b) |
| C: 0.01 (EBIT TTM 73.7m / Avg Total Assets 5.69b) |
| D: 0.13 (Book Value of Equity 641.6m / Total Liabilities 4.88b) |
| Altman-Z'' = 0.15 = B |
| DSRI: 0.41 (Receivables 18.5m/50.6m, Revenue 318.4m/357.0m) |
| GMI: 0.91 (GM 63.02% / 68.94%) |
| AQI: 1.13 (AQ_t 0.96 / AQ_t-1 0.85) |
| SGI: 0.89 (Revenue 318.4m / 357.0m) |
| TATA: -0.00 (NI 67.3m - CFO 87.7m) / TA 5.52b) |
| Beneish M = -3.59 (Cap -4..+1) = AAA |
As of July 28, 2026, the stock is trading at USD 79.25 with a total of 117,601 shares traded. Over the past week, the price has changed by +1.42%, over one month by +1.24%, over three months by +17.34% and over the past year by +37.01%.
Current recommended Stop Loss: 73.80 (which is 6.9% or 2.2 ATR below the current price).
Great Southern Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold GSBC.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 76 | -4.1% |
P/E Trailing = 12.9471
P/E Forward = 12.1212
P/S = 3.8028
P/B = 1.3297
P/EG = 1.8766
Revenue TTM = 318.4m USD
EBIT TTM = 73.7m USD
EBITDA TTM = 82.3m USD
Long Term Debt = 25.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 485.5m USD (from shortTermDebt, last quarter)
Debt = 511.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 414.0m USD (calculated: Debt 511.2m - CCE 97.2m)
Enterprise Value = 1.27b USD (852.6m + Debt 511.2m - CCE 97.2m)
Interest Coverage Ratio = 0.75 (Ebit TTM 73.7m / Interest Expense TTM 98.4m)
EV/FCF = 16.48x (Enterprise Value 1.27b / FCF TTM 76.9m)
FCF Yield = 6.07% (FCF TTM 76.9m / Enterprise Value 1.27b)
FCF Margin = 24.15% (FCF TTM 76.9m / Revenue TTM 318.4m)
Net Margin = 21.14% (Net Income TTM 67.3m / Revenue TTM 318.4m)
Gross Margin = 68.94% ((Revenue TTM 318.4m - Cost of Revenue TTM 98.9m) / Revenue TTM)
Gross Margin QoQ = 71.25% (prev 67.91%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.27b / Total Assets 5.52b)
Interest Expense / Debt = 19.24% (Interest Expense 98.4m / Debt 511.2m)
Taxrate = 17.63% (14.4m / 81.7m)
NOPAT = 60.7m (EBIT 73.7m * (1 - 17.63%))
Current Ratio = 0.24 (Total Current Assets 115.7m / Total Current Liabilities 485.5m)
Debt / Equity = 0.80 (Debt 511.2m / totalStockholderEquity, last quarter 641.6m)
Debt / EBITDA = 5.03 (Net Debt 414.0m / EBITDA 82.3m)
Debt / FCF = 5.39 (Net Debt 414.0m / FCF TTM 76.9m)
Total Stockholder Equity = 636.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 67.3m / Total Assets 5.52b)
RoE = 10.58% (Net Income TTM 67.3m / Total Stockholder Equity 636.1m)
RoCE = 11.14% (EBIT 73.7m / Capital Employed (Equity 636.1m + L.T.Debt 25.8m))
RoIC = 1.10% (NOPAT 60.7m / Invested Capital 5.51b)
WACC = 11.02% (E(852.6m)/V(1.36b) * Re(8.13%) + D(511.2m)/V(1.36b) * Rd(19.24%) * (1-Tc(0.18)))
Discount Rate = 8.13% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.00 | Cagr: -3.13%
[DCF] Terminal Value 66.01% ; FCFF base≈78.1m ; Y1≈75.9m ; Y5≈75.3m
[DCF] Fair Price = 36.66 (EV 813.1m - Net Debt 414.0m = Equity 399.1m / Shares 10.9m; r=11.02% [WACC]; 5y FCF grow -3.86% → 2.50% )
EPS Correlation: 2.30 | EPS CAGR: 0.21% | SUE: 0.59 | # QB: 0
Revenue Correlation: 14.19 | Revenue CAGR: 0.69% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.39 | Chg30d=+0.72% | Revisions=+40% | Analysts=2
EPS current Year (2026-12-31): EPS=5.90 | Chg30d=+3.60% | Revisions=+40% | GrowthEPS=-3.4% | GrowthRev=-2.2%
EPS next Year (2027-12-31): EPS=5.65 | Chg30d=-0.09% | Revisions=+40% | GrowthEPS=-4.2% | GrowthRev=+0.9%
[Analyst] Revisions Ratio: +67% (up=6, down=0)