GSBC Stock Analysis: Great Southern Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 855m USD | 12M Return: 30.8% | US3909051076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.60M
EPS Trend: 2.3%
Qual. Beats: 0
Rev. Trend: 14.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 -0.45 > 1.0 |
| NWC/Revenue: -116.2% < 20% (prev -1.22k%; Δ 1.10k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 54.5m > Net Income 67.3m |
| Net Debt (414.0m) to EBITDA (80.5m): 5.15 < 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 54.5m) / TA 5.52b) |
| Beneish M = -3.59 (Cap -4..+1) = AAA |
As of September 27, 2026, the stock is trading at USD 78.91 with a total of 52,210 shares traded. Over the past week, the price has changed by +0.00%, over one month by +0.31%, over three months by +3.20% and over the past year by +30.76%.
Current recommended Stop Loss: 76.00 (which is 3.7% or 1.9 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 | -3.7% |
P/E Trailing = 13.07
P/E Forward = 12.1212
P/S = 3.7675
P/B = 1.3342
P/EG = 1.8766
Revenue TTM = 318.4m USD
EBIT TTM = 73.7m USD
EBITDA TTM = 80.5m USD
Long Term Debt = 25.8m USD (from longTermDebt, last quarter)
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 (854.6m + Debt 511.2m - CCE 97.2m)
Interest Coverage Ratio = 0.75 (Ebit TTM 73.7m / Interest Expense TTM 98.4m)
EV/FCF = 28.78x (Enterprise Value 1.27b / FCF TTM 44.1m)
FCF Yield = 3.48% (FCF TTM 44.1m / Enterprise Value 1.27b)
FCF Margin = 13.85% (FCF TTM 44.1m / 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 = 5.15 (Net Debt 414.0m / EBITDA 80.5m)
Debt / FCF = 9.39 (Net Debt 414.0m / FCF TTM 44.1m)
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 = 10.59% (E(854.6m)/V(1.37b) * Re(7.44%) + D(511.2m)/V(1.37b) * Rd(19.24%) * (1-Tc(0.18)))
Discount Rate = 7.44% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.00 | Cagr: -3.13%
[DCF] Terminal Value 65.22% ; FCFF base≈55.6m ; Y1≈48.8m ; Y5≈39.4m
[DCF] Fair Price = 4.47 (EV 462.8m - Net Debt 414.0m = Equity 48.7m / Shares 10.9m; r=10.59% [WACC]; 5y FCF grow -15.0% → 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=+0% | 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=+0% | GrowthEPS=-4.2% | GrowthRev=+0.9%
[Analyst] Revisions Ratio: +22% (up=4, down=2)