Latest Ratios: P/E Ratio 14.0x · EV/EBITDA 14.6x · ROE 11.5%. (1995–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $880M | $702M | $702M | $717M | $750M | $810M | $690M | $907M | $656M | $732M | $772M |
| Enterprise Value | $1.1B | $917M | $672M | $678M | $859M | $331M | $466M | $1.1B | $851M | $814M | $909M |
| P/E Ratio → | 14.02 | 9.95 | 11.35 | 10.58 | 9.88 | 10.85 | 11.62 | 12.32 | 9.77 | 14.19 | 17.02 |
| P/S Ratio | 4.08 | 3.05 | 3.19 | 3.21 | 3.21 | 3.75 | 3.25 | 4.29 | 3.33 | 3.93 | 3.89 |
| P/B Ratio | 1.45 | 1.10 | 1.17 | 1.25 | 1.41 | 1.31 | 1.10 | 1.50 | 1.23 | 1.55 | 1.80 |
| P/FCF | 12.66 | 10.59 | 17.93 | 9.77 | 16.14 | 10.22 | 18.30 | 12.18 | 7.74 | 13.25 | 11.09 |
| P/OCF | 11.32 | 9.03 | 15.93 | 8.88 | 11.26 | 9.53 | 14.98 | 10.50 | 6.96 | 11.66 | 9.57 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.99 | 3.06 | 3.04 | 3.68 | 1.53 | 2.20 | 5.06 | 4.32 | 4.37 | 4.58 |
| EV / EBITDA | 14.58 | 9.57 | 7.96 | 7.17 | 8.27 | 3.14 | 5.47 | 10.51 | 9.11 | 9.91 | 12.07 |
| EV / EBIT | 12.55 | 10.51 | 8.91 | 7.95 | 9.12 | 3.51 | 6.37 | 11.87 | 10.38 | 11.58 | 14.69 |
| EV / FCF | — | 13.85 | 17.18 | 9.24 | 18.49 | 4.18 | 12.36 | 14.34 | 10.04 | 14.73 | 13.06 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 98.8% | 101.4% | 97.4% | 102.7% | 92.5% | 97.1% | 96.4% | 95.1% | 95.3% |
| Operating Margin | 38.0% | 38.0% | 34.4% | 38.2% | 40.3% | 43.6% | 34.4% | 42.6% | 41.6% | 37.7% | 31.2% |
| Net Profit Margin | 30.9% | 30.9% | 28.1% | 30.4% | 32.5% | 34.5% | 28.0% | 34.8% | 34.1% | 27.7% | 22.8% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.5% | 11.5% | 10.6% | 12.3% | 13.2% | 12.0% | 9.6% | 13.0% | 13.4% | 11.4% | 11.0% |
| ROA | 1.2% | 1.2% | 1.0% | 1.2% | 1.4% | 1.4% | 1.1% | 1.5% | 1.5% | 1.2% | 1.0% |
| ROIC | 7.2% | 7.2% | 7.5% | 8.2% | 8.5% | 7.8% | 5.6% | 7.1% | 7.1% | 6.4% | 5.6% |
| ROCE | 8.6% | 8.6% | 6.8% | 10.2% | 12.8% | 12.2% | 9.4% | 13.0% | 12.2% | 11.1% | 9.8% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.64 | 0.64 | 0.28 | 0.30 | 0.52 | 0.39 | 0.54 | 0.63 | 0.75 | 0.69 | 0.97 |
| Debt / EBITDA | 4.23 | 4.23 | 1.97 | 1.83 | 2.68 | 2.26 | 3.99 | 3.75 | 4.26 | 3.94 | 5.53 |
| Net Debt / Equity | — | 0.34 | -0.05 | -0.07 | 0.21 | -0.78 | -0.36 | 0.27 | 0.37 | 0.17 | 0.32 |
| Net Debt / EBITDA | 2.25 | 2.25 | -0.35 | -0.41 | 1.05 | -4.54 | -2.63 | 1.59 | 2.09 | 1.00 | 1.82 |
| Debt / FCF | — | 3.25 | -0.75 | -0.52 | 2.36 | -6.04 | -5.94 | 2.17 | 2.30 | 1.48 | 1.97 |
| Interest Coverage | 0.77 | 0.77 | 0.56 | 0.82 | 3.44 | 4.55 | 1.80 | 1.65 | 2.17 | 2.52 | 2.80 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.14 | 0.14 | 0.16 | 0.15 | 0.16 | 0.27 | 0.22 | 0.16 | 0.13 | 0.13 | 0.14 |
| Quick Ratio | 0.14 | 0.14 | 0.16 | 0.15 | 0.16 | 0.27 | 0.22 | 0.16 | 0.13 | 0.13 | 0.14 |
| Cash Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.15 | 0.12 | 0.05 | 0.05 | 0.07 | 0.07 |
| Asset Turnover | — | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.0% | 2.7% | 2.7% | 2.7% | 2.6% | 2.3% | 4.8% | 3.2% | 2.4% | 1.8% | 1.6% |
| Payout Ratio | 26.4% | 26.4% | 30.3% | 28.4% | 25.3% | 25.2% | 56.4% | 39.5% | 23.6% | 25.0% | 27.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.1% | 10.1% | 8.8% | 9.5% | 10.1% | 9.2% | 8.6% | 8.1% | 10.2% | 7.0% | 5.9% |
| FCF Yield | 7.9% | 9.4% | 5.6% | 10.2% | 6.2% | 9.8% | 5.5% | 8.2% | 12.9% | 7.6% | 9.0% |
| Buyback Yield | 5.1% | 6.3% | 2.2% | 3.3% | 8.2% | 4.8% | 3.2% | 0.1% | 0.1% | 0.0% | 0.0% |
| Total Shareholder Yield | 7.1% | 9.0% | 4.8% | 5.9% | 10.8% | 7.1% | 8.1% | 3.3% | 2.5% | 1.8% | 1.6% |
| Shares Outstanding | — | $11M | $12M | $12M | $13M | $14M | $14M | $14M | $14M | $14M | $14M |
Includes 30+ ratios · 30 years · Updated daily
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Quick answers to the most common questions about buying GSBC stock.
Great Southern Bancorp, Inc.'s current P/E ratio is 14.0x. The historical average is 14.4x. This places it at the 66th percentile of its historical range.
Great Southern Bancorp, Inc.'s current EV/EBITDA is 14.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.2x.
Great Southern Bancorp, Inc.'s return on equity (ROE) is 11.5%. The historical average is 14.6%.
Based on historical data, Great Southern Bancorp, Inc. is trading at a P/E of 14.0x. This is at the 66th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Great Southern Bancorp, Inc.'s current dividend yield is 2.03% with a payout ratio of 26.4%.
Great Southern Bancorp, Inc. has 100.0% gross margin and 38.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Great Southern Bancorp, Inc.'s Debt/EBITDA ratio is 4.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.
Key Metrics
Top Statement Risk
Thin Margins Amid Fee Erosion
Metrics are mathematically derived from official filings.
Discount to Book Reflects Subdued Returns
Based on the supplied valuation metrics, GSBC trades at 1.45 times book and a 13.05 trailing P/E, a multiple that implies the market expects returns closer to the lower end of its recent ROE range rather than a premium franchise.
The P/B of 1.45 sits well below the 2.28 for FFIN and 2.00 for CBSH, and only modestly above IBCP and UBSI, suggesting investors are pricing GSBC as a commodity balance sheet with limited franchise premium. With quarterly ROE recently between 2.2 and 3.2 percent, the multiple appears to embed a sustained return well below peer levels. Investors should monitor whether ROTCE recovers toward the peer median, since the current valuation depends heavily on that normalization.
ROE Driven by Thin Margin and Leverage
Decomposing reported figures, GSBC's roughly 2.5 percent average ROE rests on a NIM near 0.9 percent and an equity-to-assets ratio near 0.11, meaning leverage is doing much of the work that asset yield cannot.
A NIM of 0.8 to 0.9 percent is thin in absolute terms, so the ROE of 2.2 to 3.2 percent reflects returns generated mostly through balance sheet scale rather than spread income. Fee income has fallen from 17.4 percent of revenue in 2024Q2 to 6.2 percent in 2026Q3, removing a contribution that previously supported the non-interest income leg of the DuPont structure. This combination suggests profitability quality has weakened, and warrants further investigation into whether the spread compression is cyclical or structural.
Efficiency Ratio Elevated Against Thin Spreads
According to the supplied quarterly data, GSBC's efficiency ratio reached 72.0 percent in 2026Q1 and sits at 67.5 percent in 2026Q3, well above the 59 to 65 percent band seen through 2025 and leaving limited operating leverage.
With NIM stuck near 0.9 percent, cost control is the main lever available to lift earnings, and the efficiency ratio trend suggests costs have not scaled down in step with declining fee revenue. The deterioration from the 2025 range implies operating leverage has turned negative as revenue softened. Investors should monitor whether management can bring the ratio back toward the mid-60s, as failure to do so would likely keep ROE depressed regardless of any stabilization in funding costs.
Equity Cushion Rebuilding Gradually
As reported in financial statements, GSBC's equity-to-assets ratio moved from about 0.10 in 2024 to 0.11 in 2026Q3, indicating a modest strengthening of the capital cushion while the asset base itself contracted.
The rise in the equity ratio is partly a function of shrinking assets rather than purely of earnings retention, since equity growth has been muted by weak net income. Based on the supplied data, the cushion is adequate but not generous given the thin margin profile. Capacity for capital return appears limited, which is consistent with the uneven dividend and buyback pattern observed in the cash flow data.
Provision Swings Obscure Credit Direction
Based on GSBC's reported figures, provisions moved from $1.6M in 2024Q4 to negative values in several 2025 quarters and back to $674.0K in 2026Q3, making it difficult to judge whether reserve levels are adequate.
Negative provisions in some periods may reflect reserve releases rather than improving credit, and the data does not include charge-off or non-performing loan figures needed to confirm the trend. Given the data gap, any conclusion about reserve adequacy would be speculative. Investors should monitor provision levels alongside NPL and coverage disclosures before drawing a firm view on credit quality.
Price-to-Book Misleads on Earnings Power
The P/B ratio is most commonly misread for GSBC because a 1.45 multiple looks inexpensive, yet with ROE near 2.5 percent the discount may reflect poor returns rather than mispricing.
Investors often treat a sub-1.5 P/B as a value signal, but for a bank earning returns near 2.5 percent, book value overstates the economic worth of the equity. A more informative lens is price-to-tangible-book adjusted for ROTCE, which allows direct comparison of the return earned against the cost of equity. Based on the supplied data, the appropriate adjustment is to assess whether the discount compensates for the earnings shortfall, rather than to infer undervaluation from the headline multiple alone.