GSBC Stock Analysis: Great Southern Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 841m USD | 12M Return: 30.5% | US3909051076 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.46M
EPS Trend: 2.3%
Qual. Beats: 0
Rev. Trend: 14.2%
Qual. Beats: 0
Warnings
No concerns identified
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. (NASDAQ: GSBC) is a small-cap regional bank holding company headquartered in Springfield, Missouri, that operates through its subsidiary Great Southern Bank. Founded in 1923 and publicly traded since 1990, the company provides a range of community banking services across six Midwestern states: Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas.
The banks deposit offerings include regular savings, checking, money market accounts, fixed-rate certificates of deposit, brokered CDs, and individual retirement accounts. Its lending activities span residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and consumer loans such as automobile, boat, home equity, and savings-secured loans. In addition to traditional banking, the company offers insurance and merchant banking services.
As a regional bank operating in Midwestern markets, GSBC generates revenue primarily through net interest income from its loan and deposit operations, supplemented by fee-based income from insurance and merchant banking activities. The company is classified within the Financials sector and the Regional Banks sub-industry, reflecting its focus on community-oriented banking services rather than large-scale investment banking or global operations.
- Net interest margin expansion lifts profitability on rising asset yields
- Commercial real estate loan portfolio growth drives net interest income higher
- Midwest agricultural loan demand weakens amid lower crop prices
| 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 October 06, 2026, the stock is trading at USD 79.47 with a total of 87,725 shares traded. Over the past week, the price has changed by +1.90%, over one month by +0.52%, over three months by +1.88% and over the past year by +30.53%.
Current recommended Stop Loss: 75.80 (which is 4.6% or 2.3 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 | -4.4% |
P/E Trailing = 12.8043
P/E Forward = 12.1212
P/S = 3.7094
P/B = 1.3326
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 = 1.26b USD (841.4m + Debt 511.2m - CCE 97.2m)
Interest Coverage Ratio = 0.75 (Ebit TTM 73.7m / Interest Expense TTM 98.4m)
EV/FCF = 28.48x (Enterprise Value 1.26b / FCF TTM 44.1m)
FCF Yield = 3.51% (FCF TTM 44.1m / Enterprise Value 1.26b)
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 1.26b / 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 = 10.64% (E(841.4m)/V(1.35b) * Re(7.47%) + D(511.2m)/V(1.35b) * Rd(19.24%) * (1-Tc(0.18)))
Discount Rate = 7.47% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.00 | Cagr: -3.13%
[DCF] Terminal Value 65.06% ; FCFF base≈55.6m ; Y1≈48.8m ; Y5≈39.4m
[DCF] Fair Price = 4.22 (EV 460.1m - Net Debt 414.0m = Equity 46.0m / Shares 10.9m; r=10.64% [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)