GSBC

Great Southern Bancorp

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

04/15/26

Business Summary

GSBC operates as a regional banking franchise, generating revenue primarily through spread income between deposits and loans along with fee-based financial services. Its moat is rooted in local market relationships, underwriting familiarity, and customer stickiness within its regional footprint. By maintaining disciplined capital allocation, reflected in a 7 Piotroski F-Score and solid ROIC, it seeks to convert community banking relationships into repeat lending and deposit flows. Cash generation depends on protecting net interest margins, controlling credit risk, and leveraging its deposit base more efficiently than competitors in its geographic niche.

 


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VALUATION

P/E

11

Market Cap ($M USD)

$742

Forward P/E

12.5

PEG

-

PRICE TO SALES

3.4

PRICE TO BOOK

1.2

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

2.50%

Annual Payout

$1.72

Payout Ratio

26.70%

Consecutive Years of Dividend Growth

1

5-Year Dividend Growth Rate

4.80%

Financial Health & Profitability

Earnings Per Share

$6.23

Next Year EPS Growth Estimate

$5.42

Next Year Revenue Growth Estimate

3.20%

Return on Equity (ROE)

11.20%

FREE CASH FLOW

Operating Margin

38.10%

Debt-to-Equity

0.6

Piotroski F-Score

7

Altman Z-Score

0.3

Return on Invested Capital (ROIC)

18.60%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

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Gainseekers Quantitative Analysis

Summary

At 11x earnings and 12.5x forward earnings, GSBC screens optically inexpensive, but the market is not giving it a free pass without reason. A 3.20% Return on Equity is weak for a regional bank, and the Altman Z-Score of 0.3 signals material balance sheet risk that cannot be ignored. The 7 Piotroski F-Score and 18.60% ROIC suggest operational competence, yet the combination of low profitability and distress-level Z-score implies the valuation discount reflects solvency and structural return concerns rather than mispricing. This is not a clean deep value play; it is a statistically cheap bank with underlying fragility.

AI Exposure / Tech Reliance

As a regional bank in Financial Services, GSBC’s AI exposure is indirect but meaningful through underwriting automation, risk modeling, and cost efficiency initiatives. Technology adoption can improve its 11.20% operating margin if management executes well. However, smaller banks typically lack the scale advantages of national peers in tech investment, making efficiency gains incremental rather than transformative.

The Bull Case

A GARP or disciplined value investor could argue the stock offers asymmetric upside from depressed expectations. Trading at 1.2x book with a 7 Piotroski F-Score, the company demonstrates solid internal financial momentum relative to many distressed financial names. The 18.60% ROIC stands out as particularly strong versus the 3.20% ROE, suggesting capital is being deployed efficiently even if equity returns are currently muted. With a 64.00% institutional ownership base and only 4.80% short interest, the shareholder register appears relatively stable, and the modest 0.6 yield combined with a 2.50% dividend per share and 1% five-year average dividend suggests a conservative capital return posture rather than an overstretched payout policy. If forward earnings materialize at $6.23 next year, today’s multiple could compress quickly in investors’ favor.

The Bear Case

The bear case centers on structural profitability and balance sheet risk. A 3.20% ROE is far below what investors typically demand from a regional bank, and the Altman Z-Score of 0.3 is a glaring red flag regarding financial stability. Debt to Equity at 38.10% adds leverage sensitivity, while the absence of a PEG ratio and a Forward P/E of 12.5 without clearly defined growth (Sales Growth Next Year listed at $5.42) clouds visibility. The market may be pricing in the risk that earnings quality deteriorates, and with a Consensus Rating of 3.90% and a Mean Consensus Target Price of 3, there is little evidence of strong external conviction.

Market Sentiment & Smart Money

Short Interest %

3.90%

Analyst Consensus

3

Average Analyst Price Target

$64.00

Institutional Ownership %

47.10%

1-Year Beta

0.8

Insider Buying % (6 Mo)

28.40%%

Distance to 52-Week High

98.60%

Distance to 52-Week Low

137.40%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

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This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.