GSBC Stock Analysis: Great Southern Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 854m USD | 12M Return: 28.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.82M
EPS Trend: -17.5%
Qual. Beats: 1
Rev. Trend: 63.2%
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: 71.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.02 > 1.0 |
| NWC/Revenue: -1.45k% < 20% (prev -1.38k%; Δ -70.05% < -1%) |
| CFO/TA 0.02 > 3% & CFO 87.7m > Net Income 71.3m |
| Net Debt (432.2m) to EBITDA (85.8m): 5.03 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.1m) vs 12m ago -5.24% < -2% |
| Gross Margin: 67.74% > 18% (prev 62.14%; Δ 5.60% > 0.5%) |
| Asset Turnover: 5.62% > 50% (prev 5.98%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 0.75 > 6 (EBIT TTM 79.4m / Interest Expense TTM 105.4m) |
| A: -0.83 (Total Current Assets 121.1m - Total Current Liabilities 4.87b) / Total Assets 5.69b |
| B: 0.11 (Retained Earnings 612.6m / Total Assets 5.69b) |
| C: 0.01 (EBIT TTM 79.4m / Avg Total Assets 5.84b) |
| D: 0.13 (Book Value of Equity 633.6m / Total Liabilities 5.05b) |
| Altman-Z'' = -4.90 = D |
| DSRI: 0.43 (Receivables 19.7m/50.5m, Revenue 328.0m/358.2m) |
| GMI: 0.92 (GM 62.14% / 67.74%) |
| AQI: 1.02 (AQ_t 0.96 / AQ_t-1 0.93) |
| SGI: 0.92 (Revenue 328.0m / 358.2m) |
| TATA: -0.00 (NI 71.3m - CFO 87.7m) / TA 5.69b) |
| Beneish M = -3.62 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 77.51 with a total of 45,118 shares traded. Over the past week, the price has changed by -0.98%, over one month by +5.96%, over three months by +19.49% and over the past year by +28.67%.
Current recommended Stop Loss: 74.90 (which is 3.4% or 1.2 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 | 67.5 | -12.9% |
P/E Trailing = 12.446
P/E Forward = 12.1212
P/S = 3.7257
P/B = 1.3502
P/EG = 1.8766
Revenue TTM = 328.0m USD
EBIT TTM = 79.4m USD
EBITDA TTM = 85.8m USD
Long Term Debt = 25.8m USD (from longTermDebt, last quarter)
Short Term Debt = 507.9m USD (from shortTermDebt, last quarter)
Debt = 533.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 432.2m USD (calculated: Debt 533.6m - CCE 101.4m)
Enterprise Value = 1.29b USD (854.1m + Debt 533.6m - CCE 101.4m)
Interest Coverage Ratio = 0.75 (Ebit TTM 79.4m / Interest Expense TTM 105.4m)
EV/FCF = 16.73x (Enterprise Value 1.29b / FCF TTM 76.9m)
FCF Yield = 5.98% (FCF TTM 76.9m / Enterprise Value 1.29b)
FCF Margin = 23.44% (FCF TTM 76.9m / Revenue TTM 328.0m)
Net Margin = 21.74% (Net Income TTM 71.3m / Revenue TTM 328.0m)
Gross Margin = 67.74% ((Revenue TTM 328.0m - Cost of Revenue TTM 105.8m) / Revenue TTM)
Gross Margin QoQ = 67.91% (prev 68.85%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.29b / Total Assets 5.69b)
Interest Expense / Debt = 19.76% (Interest Expense 105.4m / Debt 533.6m)
Taxrate = 18.38% (16.1m / 87.3m)
NOPAT = 64.8m (EBIT 79.4m * (1 - 18.38%))
Current Ratio = 0.02 (Total Current Assets 121.1m / Total Current Liabilities 4.87b)
Debt / Equity = 0.84 (Debt 533.6m / totalStockholderEquity, last quarter 633.6m)
Debt / EBITDA = 5.03 (Net Debt 432.2m / EBITDA 85.8m)
Debt / FCF = 5.62 (Net Debt 432.2m / FCF TTM 76.9m)
Total Stockholder Equity = 631.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 71.3m / Total Assets 5.69b)
RoE = 11.29% (Net Income TTM 71.3m / Total Stockholder Equity 631.3m)
RoCE = 12.08% (EBIT 79.4m / Capital Employed (Equity 631.3m + L.T.Debt 25.8m))
RoIC = 1.14% (NOPAT 64.8m / Invested Capital 5.67b)
WACC = 11.12% (E(854.1m)/V(1.39b) * Re(7.99%) + D(533.6m)/V(1.39b) * Rd(19.76%) * (1-Tc(0.18)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -81.48 | Cagr: -2.99%
[DCF] Terminal Value 65.72% ; FCFF base≈78.1m ; Y1≈75.9m ; Y5≈75.3m
[DCF] Fair Price = 34.16 (EV 804.4m - Net Debt 432.2m = Equity 372.2m / Shares 10.9m; r=11.12% [WACC]; 5y FCF grow -3.86% → 2.50% )
EPS Correlation: -17.46 | EPS CAGR: -1.76% | SUE: 0.89 | # QB: 1
Revenue Correlation: 63.18 | Revenue CAGR: 3.65% | SUE: 0.38 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.36 | Chg30d=+5.43% | Revisions=+40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=1.38 | Chg30d=+4.15% | Revisions=+40% | Analysts=2
EPS current Year (2026-12-31): EPS=5.70 | Chg30d=+8.68% | Revisions=+40% | GrowthEPS=-6.8% | GrowthRev=-3.7%
EPS next Year (2027-12-31): EPS=5.66 | Chg30d=+4.34% | Revisions=+40% | GrowthEPS=-0.7% | GrowthRev=+2.8%
[Analyst] Revisions Ratio: +73% (up=8, down=0)