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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2881
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$694M
Joseph W. Turner
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. 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.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = GSBC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$GSBC GREAT SOUTHERN BANCORP, INC. | 45 | 32 | 55 | 55 | 10.0x | 8.1x | 11.3% | 1.2% | 0.0% | 27.2% | 22.0% | -2.3% | 2.7% | 807.0x | $694M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
GREAT SOUTHERN BANCORP, INC. (GSBC) receives a "Reduce" rating with a composite score of 44.5/100. It ranks #2881 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for GSBC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 32 | 48 | -16DRAG |
| MOMENTUM | 55 | 59 | -4NEUTRAL |
| VALUATION | 55 | 76 | -21DRAG |
| INVESTMENT | 31 | 43 | -12DRAG |
| STABILITY | 51 | 52 | -1NEUTRAL |
| SHORT INT | 29 | 17 | +12ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 4.4% vs WACC 7.6% (spread -3.2%)
GM 0% vs sector 78%, OM 27% vs sector 18%
Capital turnover 0.20x
Rev growth -2%, 10yr history
Interest coverage 0.8x, Net debt/EBITDA 18.1x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate GREAT SOUTHERN BANCORP, INC. (GSBC) as a Reduce with a composite score of 44.5/100 at a current price of $62.43. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
GREAT SOUTHERN BANCORP, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 44.5/100 places it at rank #2881 in our full universe.
No Moat
Medium
Standard
Fair Value
Stable competitive position in a defensive sector.
Leverage of 807% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
GREAT SOUTHERN BANCORP, INC. represents a reduce based on multi-factor quantitative performance.
GREAT SOUTHERN BANCORP, INC. receives a Reduce rating from our analysis, with a composite score of 44.5/100 and 2 out of 5 stars, ranking #2881 out of 7,333 stocks. GSBC's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
GSBC's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 11.3% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 22.0% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
GSBC's value score of 55/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 10.02x, an EV/EBITDA of 8.11x, a P/B ratio of 1.13x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
GREAT SOUTHERN BANCORP, INC.'s investment score of 31/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -2.3% vs. a sector average of 10.7% and a return on assets of 1.2% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
GSBC demonstrates moderate momentum with a score of 55/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at -2.3% year-over-year, while a beta of 0.70 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 51/100, GSBC exhibits average financial resilience. Key stability metrics include a beta of 0.70 and a debt-to-equity ratio of 807.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
GREAT SOUTHERN BANCORP, INC.'s short interest score of 29/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 807.00x), small-cap liquidity risk. At $694M (small-cap), GSBC carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
GSBC pays a solid dividend yield of 2.7%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
GREAT SOUTHERN BANCORP, INC. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2881 of 7,333 overall (61st percentile). Key comparisons include ROE of 11.3% exceeding the 9.0% sector median and operating margins of 27.2% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While GSBC currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Short Int. (29) would have the largest impact on the composite score.
EV/EBITDA IN LINE WITH SECTOR BENCHMARKS
ROE 25% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
As the U.S. stock market kicks off February with a notable upswing, highlighted by the Dow Jones Industrial Average's 515-point gain and the S&P 500 nearing record highs, investors are keenly observing how economic shifts and policy changes might impact small-cap stocks. Amidst this backdrop of optimism and strategic trade deals, identifying promising opportunities in lesser-known stocks can be an effective strategy for those looking to diversify their portfolios in today's dynamic market...
Meeting to be virtual-onlySPRINGFIELD, Mo., Feb. 17, 2026 (GLOBE NEWSWIRE) -- Great Southern Bancorp, Inc. (NASDAQ:GSBC), the holding company for Great Southern Bank, will hold its 37th Annual Meeting of Stockholders at: 10 a.m. CDT Wednesday, May 13, 2026 Virtual Meeting (Webcast) This year’s Annual Meeting of Stockholders will be a virtual meeting over the internet. Stockholders will be able to attend the Annual Meeting via a live webcast. Additional information about the Annual Meeting, inclu
Operator: Good day, and thank you for standing by. Welcome to the Great Southern Bancorp
Great Southern Bancorp declared a quarterly dividend of $0.43 per common share, payable on January 13, 2026, to stockholders of record on December 29, 2025. This marks their 144th consecutive quarterly dividend payment.
Great Southern Bancorp plans to release its Q3 2025 preliminary earnings after market close on October 15, 2025, with a conference call scheduled for October 16, 2025 at 2:00 p.m. Central Time.