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Relative valuation derived from Financials sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 58GRADE C+
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
11.2%
Sector: 8.5%
Dividend Analysis audit
INCOME
2.66%
Trailing Yield
$2.66
Per $100 Invested
Solid dividend yield for income-focused strategies.
Est. Payout Ratio
27%SAFE
Analyst Projections
Analyst Consensus
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Based on our 6-factor quantitative model, GREAT SOUTHERN BANCORP, INC. (GSBC) receives a "Hold" rating with a composite score of 53.7/100, ranked #256 out of 4446 stocks. Key factor scores: Quality 58/100, Value 75/100, Momentum 47/100. This is quantitative analysis only — not investment advice.
GREAT SOUTHERN BANCORP, INC. (GSBC) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does GREAT SOUTHERN BANCORP, INC. Do?
Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri. GREAT SOUTHERN BANCORP, INC. (GSBC) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Joseph W. Turner and employs approximately 1,100 people, headquartered in SPRINGFIELD, Missouri. With a market capitalization of $698M, GSBC is one of the notable companies in the Financials sector.
GREAT SOUTHERN BANCORP, INC. (GSBC) Stock Rating — Hold (April 2026)
As of April 2026, GREAT SOUTHERN BANCORP, INC. receives a Hold rating with a composite score of 53.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.GSBC ranks #256 out of 4,446 stocks in our coverage universe. Within the Financials sector, GREAT SOUTHERN BANCORP, INC. ranks #94 of 891 stocks, placing it in the top quartile of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
GSBC Stock Price and 52-Week Range
GREAT SOUTHERN BANCORP, INC. (GSBC) currently trades at $67.77. The stock lost $0.49 (0.7%) in the most recent trading session. The 52-week high for GSBC is $67.70, which means the stock is currently trading 0.1% from its annual peak. The 52-week low is $47.57, putting the stock 42.4% above its annual trough. Recent trading volume was 83K shares, suggesting relatively thin trading activity.
Is GSBC Overvalued or Undervalued? — Valuation Analysis
GREAT SOUTHERN BANCORP, INC. (GSBC) carries a value factor score of 75/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 10.04x, compared to the Financials sector average of 14.88x — a discount of 33%. The price-to-book ratio stands at 1.12x, versus the sector average of 1.22x. The price-to-sales ratio is 2.21x, compared to 0.90x for the average Financials stock. On an enterprise value basis, GSBC trades at 8.13x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, GREAT SOUTHERN BANCORP, INC. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
GREAT SOUTHERN BANCORP, INC. Profitability — ROE, Margins, and Quality Score
GREAT SOUTHERN BANCORP, INC. (GSBC) earns a quality factor score of 58/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 11.2%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.3% versus the sector average of 1.2%.
On a margin basis, GREAT SOUTHERN BANCORP, INC. reports gross margins of 0.0%. The operating margin is 27.2% (sector: 21.8%). Net profit margin stands at 22.0%, versus 17.7% for the average Financials stock. Revenue growth is running at -2.3% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
GSBC Debt, Balance Sheet, and Financial Health
GREAT SOUTHERN BANCORP, INC. has a debt-to-equity ratio of 780.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.13x, suggesting adequate working capital coverage. Total debt on the balance sheet is $494M. Cash and equivalents stand at $94M.
GSBC has a beta of 0.67, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for GREAT SOUTHERN BANCORP, INC. is 83/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
GREAT SOUTHERN BANCORP, INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, GREAT SOUTHERN BANCORP, INC. reported revenue of $324M and earnings per share (EPS) of $6.23. Net income for the quarter was $71M. Gross margin was 0.0%. Operating income came in at $88M.
In FY 2025, GREAT SOUTHERN BANCORP, INC. reported revenue of $314M and earnings per share (EPS) of $6.23. Net income for the quarter was $71M. Revenue grew -3.4% year-over-year compared to FY 2024. Operating income came in at $87M.
In Q3 2025, GREAT SOUTHERN BANCORP, INC. reported revenue of $79M and earnings per share (EPS) of $1.57. Net income for the quarter was $18M. Revenue grew -5.6% year-over-year compared to Q3 2024. Operating income came in at $22M.
In Q2 2025, GREAT SOUTHERN BANCORP, INC. reported revenue of $81M and earnings per share (EPS) of $1.73. Net income for the quarter was $20M. Revenue grew 0.1% year-over-year compared to Q2 2024. Operating income came in at $24M.
Over the past 8 quarters, GREAT SOUTHERN BANCORP, INC. has demonstrated a growth trajectory, with revenue expanding from $81M to $324M. Investors analyzing GSBC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
GSBC Dividend Yield and Income Analysis
GREAT SOUTHERN BANCORP, INC. (GSBC) currently pays a dividend yield of 2.7%. At this yield, a $10,000 investment in GSBC stock would generate approximately $$266.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning GSBC offers above-average income for its sector. With a net margin of 22.0%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
GSBC Momentum and Technical Analysis Profile
GREAT SOUTHERN BANCORP, INC. (GSBC) has a momentum factor score of 47/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 14/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
GSBC vs Competitors — Financials Sector Ranking and Peer Comparison
Comparing GSBC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full GSBC vs S&P 500 (SPY) comparison to assess how GREAT SOUTHERN BANCORP, INC. stacks up against the broader market across all factor dimensions.
GSBC Next Earnings Date
No upcoming earnings date has been announced for GREAT SOUTHERN BANCORP, INC. (GSBC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy GSBC? — Investment Thesis Summary
GREAT SOUTHERN BANCORP, INC. presents a balanced picture with arguments on both sides. The value score of 75/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 83/100) reduces downside risk.
In summary, GREAT SOUTHERN BANCORP, INC. (GSBC) earns a Hold rating with a composite score of 53.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on GSBC stock.
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Institutional Research Dossier
GREAT SOUTHERN BANCORP, INC. (GSBC) Deep Dive Analysis
Published on March 24, 2026
Action RatingHold
Sections
Executive Summary
We maintain a Hold rating on Great Southern Bancorp (GSBC). While the company exhibits attractive valuation metrics relative to the financial sector, particularly its low P/E and EV/EBITDA ratios, concerns regarding revenue contraction and a high debt-to-equity ratio temper our enthusiasm. The bank's strong profitability and stability scores are positives, but the lack of robust growth prospects and potential headwinds from the current macroeconomic environment warrant a cautious stance.
The primary takeaway is that GSBC represents a value play with a margin of safety, but its growth trajectory and capital structure require close monitoring. Investors should weigh the attractive valuation against the risks associated with its high leverage and recent revenue declines before making an investment decision. The bank's ability to navigate the current interest rate environment and manage its loan portfolio will be critical to its future performance.
Business Strategy & Overview
Great Southern Bancorp operates as a traditional community bank, primarily serving customers in the Midwestern United States. Its core business revolves around gathering deposits and originating loans, with a focus on real estate lending, including both residential and commercial properties. The bank's strategy appears to be centered on maintaining a strong local presence and building relationships with customers in its target markets. This is evidenced by its network of retail banking centers and ATMs across several states.
GSBC's revenue streams are primarily derived from net interest income, which is the difference between the interest it earns on loans and the interest it pays on deposits. The bank also generates fee income from services such as insurance and merchant banking. The company's loan portfolio is diversified across various asset classes, including residential and commercial real estate, construction, and consumer loans. This diversification helps to mitigate risk, but also requires expertise in managing different types of credit exposures.
The bank's strategic positioning within the banking industry is that of a regional player focused on community banking. This contrasts with larger national banks that have a broader geographic reach and a wider range of products and services. GSBC's competitive advantage lies in its local market knowledge and its ability to provide personalized service to its customers. However, it also faces challenges from larger banks that have greater resources and economies of scale.
GSBC's expansion strategy involves organic growth within its existing markets and selective acquisitions of other community banks. The company has a history of acquiring smaller banks to expand its footprint and increase its market share. However, it also faces integration risks and challenges in managing acquired entities. The bank's future growth will depend on its ability to successfully execute its expansion strategy and maintain its profitability in a competitive environment.
Execution Benchmarks audit
Revenue Growth
YOY expansion rate
-2.3%
Sector: 9.4%
-124% VS SCTR
Economic Moat Analysis
Great Southern Bancorp's economic moat is likely narrow. While the bank benefits from established relationships within its local communities and a degree of customer stickiness, these advantages are not insurmountable. The banking industry is highly competitive, and customers have numerous options for their financial services needs. The presence of larger national banks and online lenders limits GSBC's ability to exert pricing power or capture a disproportionate share of the market.
One potential source of a narrow moat is the bank's local market expertise and its ability to provide personalized service to its customers. This can create a degree of customer loyalty and reduce the likelihood of customers switching to competitors. However, this advantage is becoming less pronounced as technology enables larger banks to offer more personalized services and as online lenders gain market share.
Switching costs in the banking industry are relatively low, particularly for retail customers. It is easy for customers to open accounts at other banks and transfer their funds. However, switching costs may be higher for commercial customers who have more complex banking relationships and who rely on the bank for a variety of services. This could provide GSBC with a degree of competitive advantage in the commercial banking segment.
The bank's intangible assets, such as its brand reputation and its relationships with local businesses, also contribute to its narrow moat. However, these assets are not unique or difficult to replicate. Other banks can build similar relationships and establish a strong brand reputation in the same markets. Therefore, GSBC's economic moat is not wide enough to provide it with a significant and sustainable competitive advantage.
Efficient scale is not a significant factor in GSBC's business. While there are economies of scale in banking, they are not so large that they create a barrier to entry for new competitors. The banking industry is characterized by a large number of small and medium-sized banks, which suggests that efficient scale is not a major source of competitive advantage.
Financial Health & Profitability
Great Southern Bancorp's financial health presents a mixed picture. While the company demonstrates strong profitability metrics, its revenue growth has been negative, and its leverage is relatively high. The company's ROE of 11.2% and net margin of 22.0% are significantly higher than the sector averages of 8.5% and 17.8%, respectively, indicating efficient operations and effective cost management. The operating margin of 27.2% also surpasses the sector average of 22.0%, further highlighting the bank's profitability.
However, the company's revenue growth of -2.3% contrasts sharply with the sector's growth of 9.3%, raising concerns about its ability to generate top-line growth. This decline in revenue could be attributed to various factors, including increased competition, changes in interest rates, or a slowdown in loan demand. The quarterly financial history reveals fluctuating revenue and net income, with no clear upward trend. While operating margins have remained relatively stable, the lack of consistent revenue growth is a cause for concern.
GSBC's balance sheet is characterized by a high debt-to-equity ratio of 780.00, significantly exceeding the sector average of 115.00. This high leverage increases the company's financial risk and makes it more vulnerable to adverse economic conditions. The company's current ratio of 1.13 indicates adequate liquidity, but the high debt level warrants close monitoring.
The company's free cash flow of $121.21 million suggests strong cash generation capabilities. However, it's important to analyze how this cash is being utilized. Given the high debt level, a significant portion of the free cash flow may be used to service debt, limiting the company's ability to invest in growth initiatives or return capital to shareholders. The absence of free cash flow data in the quarterly financials makes it difficult to assess the consistency of cash generation over time.
Valuation Assessment
Great Southern Bancorp's valuation appears attractive based on several key metrics. The company's P/E ratio of 9.8x is significantly lower than the sector average of 15.5x, suggesting that the stock is undervalued relative to its earnings. Similarly, the EV/EBITDA ratio of 1.9x is substantially lower than the sector average of 3.5x, further indicating undervaluation. These metrics suggest that investors are not fully recognizing the company's earnings potential.
However, it's important to consider the company's negative revenue growth when assessing its valuation. A low P/E ratio can be justified if the company's earnings are expected to decline in the future. In GSBC's case, the revenue contraction raises concerns about the sustainability of its earnings and could explain the lower valuation multiples. Investors may be discounting the stock due to the lack of top-line growth.
The company's free cash flow yield is difficult to calculate precisely without knowing the company's capital expenditures and depreciation. However, the reported free cash flow of $121.21 million suggests a healthy cash flow yield, which could be attractive to value investors. However, the high debt level could limit the company's ability to distribute this cash to shareholders in the form of dividends or share repurchases.
Compared to its historical valuation, GSBC's current multiples are likely below their historical averages, reflecting the concerns about revenue growth and the high debt level. The stock may be trading at a discount due to the perceived risks associated with its financial performance. However, if the company can successfully address its revenue challenges and reduce its leverage, the stock could experience significant upside potential.
Risk & Uncertainty
Great Southern Bancorp faces several specific risks that could negatively impact its business and financial performance. One of the most significant risks is the potential for increased competition in its markets. The banking industry is highly competitive, and GSBC faces competition from larger national banks, regional banks, and online lenders. Increased competition could lead to lower interest rates, reduced loan demand, and higher operating expenses, all of which could negatively impact the company's profitability.
Another significant risk is the company's high debt-to-equity ratio. This high leverage increases the company's financial risk and makes it more vulnerable to adverse economic conditions. If interest rates rise or if the economy slows down, the company may struggle to service its debt, which could lead to financial distress. The company's ability to manage its debt effectively is crucial to its long-term success.
Interest rate risk is also a significant concern for GSBC. The company's earnings are sensitive to changes in interest rates, as its net interest income is the primary source of revenue. If interest rates decline, the company's net interest income could decrease, which would negatively impact its profitability. Conversely, if interest rates rise, the company's borrowing costs could increase, which would also negatively impact its profitability.
Credit risk is another important consideration. The company's loan portfolio is exposed to the risk of borrowers defaulting on their loans. A slowdown in the economy or a decline in real estate values could lead to an increase in loan defaults, which would negatively impact the company's earnings and capital. The company's ability to manage its credit risk effectively is crucial to maintaining its financial stability.
Bulls Say / Bears Say
The Bull Case
BULL VIEWGSBC's low valuation multiples (P/E and EV/EBITDA) provide a significant margin of safety, offering substantial upside potential if the company can stabilize its revenue and manage its debt effectively.
BULL VIEWThe bank's strong profitability metrics (ROE and net margin) demonstrate efficient operations and effective cost management, suggesting that it is well-positioned to navigate the current economic environment.
BULL VIEWGSBC's focus on community banking and its established relationships within its local markets provide a competitive advantage, fostering customer loyalty and reducing the likelihood of customers switching to competitors.
The Bear Case
BEAR VIEWGSBC's negative revenue growth indicates a lack of top-line momentum and raises concerns about its ability to generate sustainable earnings growth in the future.
BEAR VIEWThe company's high debt-to-equity ratio increases its financial risk and makes it more vulnerable to adverse economic conditions, potentially leading to financial distress.
BEAR VIEWIncreased competition from larger national banks and online lenders could erode GSBC's market share and pricing power, negatively impacting its profitability and long-term growth prospects.
About the Author
Marques Blank
Founder & Chief Investment Officer, Blank Capital
Marques brings 15 years of institutional finance and investing experience, having overseen financial planning for a $1.6B defense business unit. He developed the proprietary 6-factor quantitative model used to score GSBC and 4,400+ other equities.
GREAT SOUTHERN BANCORP, INC. exhibits a 64% valuation premium relative to institutional benchmarks. This represents a potential valuation overextension based on current multiples.
Return on Assets
Efficiency of asset utilization
1.3%
Sector: 1.2%
Gross Margin
Pricing power and cost efficiency
0.0%
Sector: 0.0%
Operating Margin
Core business profitability
27.2%
Sector: 21.8%
Net Margin
Bottom-line profitability
22.0%
Sector: 17.7%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.
Sector Avg Yield2.48%
Yield Delta+7%
Income Projection audit
A $10,000 investment would generate approximately $266 annually in dividends at the current trailing rate.
