Great Southern Bancorp, Inc. (GSBC) Financial Ratios
31 years of historical data (1995–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.21
↑+73% vs avg
5yr avg: 7.62
30Y Low3.1·High18.7
P/FCF
↑
12.77
-1% vs avg
5yr avg: 12.93
30Y Low2.9·High20.2
P/B Ratio
↓
1.33
+6% vs avg
5yr avg: 1.25
30Y Low0.7·High3.5
ROE
↓
11.5%
-3% vs avg
5yr avg: 11.9%
30Y Low-2%·High24%
Debt/EBITDA
↑
4.64
↑+74% vs avg
5yr avg: 2.67
30Y Low1.8·High13.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
GSBC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Great Southern Bancorp, Inc. trades at 12.0x earnings, 14% above its 5-year average of 10.5x, sitting at the 41st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 12%. On a free-cash-flow basis, the stock trades at 12.8x P/FCF, roughly in line with the 5-year average of 12.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $846M | $702M | $702M | $717M | $750M | $810M | $690M | $907M | $656M | $732M | $772M |
| Enterprise Value | $1.2B | $1.0B | $672M | $678M | $859M | $331M | $466M | $1.1B | $851M | $814M | $909M |
| P/E Ratio → | 11.99 | 9.95 | 11.35 | 10.58 | 9.88 | 10.85 | 11.62 | 12.32 | 9.77 | 14.19 | 17.02 |
| P/S Ratio | 2.46 | 2.04 | 1.98 | 2.19 | 2.87 | 3.42 | 2.73 | 3.41 | 2.79 | 3.42 | 3.50 |
| P/B Ratio | 1.33 | 1.10 | 1.17 | 1.25 | 1.41 | 1.31 | 1.10 | 1.50 | 1.23 | 1.55 | 1.80 |
| P/FCF | 12.77 | 10.59 | 17.93 | 9.77 | 16.14 | 10.22 | 18.30 | 12.18 | 7.74 | 13.25 | 11.09 |
| P/OCF | 10.89 | 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
GSBC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Great Southern Bancorp, Inc.'s enterprise value stands at 13.2x EBITDA, 73% above its 5-year average of 7.6x. The Financial Services sector median is 11.4x, placing the stock at a 16% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.94 | 1.89 | 2.08 | 3.29 | 1.40 | 1.84 | 4.02 | 3.62 | 3.80 | 4.12 |
| EV / EBITDA | 13.21 | 11.56 | 7.96 | 7.17 | 8.27 | 3.14 | 5.47 | 10.51 | 9.11 | 9.91 | 12.07 |
| EV / EBIT | 13.21 | 11.56 | 8.91 | 7.95 | 9.12 | 3.51 | 6.37 | 11.87 | 10.38 | 11.58 | 14.69 |
| EV / FCF | — | 15.23 | 17.18 | 9.24 | 18.49 | 4.18 | 12.36 | 14.34 | 10.04 | 14.73 | 13.06 |
GSBC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Great Southern Bancorp, Inc. earns an operating margin of 25.4%, above the Financial Services sector average of 20.3%. ROE of 11.5% is modest. ROIC of 7.2% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
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 | 66.9% | 66.9% | 61.1% | 69.2% | 87.2% | 93.7% | 77.7% | 77.2% | 80.9% | 82.7% | 85.8% |
| Operating Margin | 25.4% | 25.4% | 21.3% | 26.1% | 36.1% | 39.8% | 28.9% | 33.9% | 34.9% | 32.8% | 28.0% |
| Net Profit Margin | 20.7% | 20.7% | 17.4% | 20.7% | 29.1% | 31.5% | 23.5% | 27.7% | 28.6% | 24.1% | 20.6% |
Return on Capital
| 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 | 2.7% | 2.7% | 6.8% | 10.2% | 12.8% | 12.2% | 9.4% | 13.0% | 12.2% | 11.1% | 9.8% |
GSBC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Great Southern Bancorp, Inc. carries a Debt/EBITDA ratio of 4.6x, which is highly leveraged (9% above the sector average of 4.3x). Net debt stands at $307M ($405M total debt minus $98M cash). Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| 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 | 4.64 | 4.64 | 1.97 | 1.83 | 2.68 | 2.26 | 3.99 | 3.75 | 4.26 | 3.94 | 5.53 |
| Net Debt / Equity | — | 0.48 | -0.05 | -0.07 | 0.21 | -0.78 | -0.36 | 0.27 | 0.37 | 0.17 | 0.32 |
| Net Debt / EBITDA | 3.52 | 3.52 | -0.35 | -0.41 | 1.05 | -4.54 | -2.63 | 1.59 | 2.09 | 1.00 | 1.82 |
| Debt / FCF | — | 4.64 | -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 |
GSBC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Great Southern Bancorp, Inc.'s current ratio of 2.54x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.15x to 2.54x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.54 | 2.54 | 0.05 | 0.15 | 0.16 | 0.27 | 0.22 | 0.16 | 0.13 | 0.13 | 0.14 |
| Quick Ratio | 2.54 | 2.54 | 0.05 | 0.15 | 0.16 | 0.27 | 0.22 | 0.16 | 0.13 | 0.13 | 0.14 |
| Cash Ratio | 0.30 | 0.30 | 0.04 | 0.04 | 0.03 | 0.15 | 0.12 | 0.05 | 0.05 | 0.07 | 0.07 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
GSBC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Great Southern Bancorp, Inc. returns 7.5% to shareholders annually — split between a 2.2% dividend yield and 5.3% buyback yield. The payout ratio of 26.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | 2.2% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 26.4% | 26.4% | 30.3% | 28.4% | 25.3% | 25.2% | 56.4% | 39.5% | 23.6% | 25.0% | 27.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.3% | 10.1% | 8.8% | 9.5% | 10.1% | 9.2% | 8.6% | 8.1% | 10.2% | 7.0% | 5.9% |
| FCF Yield | 7.8% | 9.4% | 5.6% | 10.2% | 6.2% | 9.8% | 5.5% | 8.2% | 12.9% | 7.6% | 9.0% |
| Buyback Yield | 5.3% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 7.5% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $11M | $12M | $12M | $13M | $14M | $14M | $14M | $14M | $14M | $14M |
Peer Comparison
Compare GSBC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 GSBCYou | $846M | 12.0 | 13.2 | 12.8 | 66.9% | 25.4% | 11.5% | 7.2% | 4.6 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 IBCP | $706M | 10.5 | 9.5 | 10.1 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 SFNC | $3B | -7.4 | — | 7.5 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 UBSI | $6B | 13.6 | 7.8 | 12.9 | 65.4% | 32.4% | 8.9% | 7.2% | 1.6 |
 CBSH | $8B | 13.4 | 13.3 | 13.6 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 HOMB | $5B | 11.5 | 9.3 | 11.3 | 77.3% | 43.8% | 11.5% | 8.7% | 1.5 |
 FBIZ | $503M | 10.0 | 12.1 | 8.2 | 57.3% | 21.6% | 14.4% | 7.0% | 4.3 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 GABC | $2B | 14.7 | 12.9 | 11.0 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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GSBC — Frequently Asked Questions
Quick answers to the most common questions about buying GSBC stock.
What is Great Southern Bancorp, Inc.'s P/E ratio?
Great Southern Bancorp, Inc.'s current P/E ratio is 12.0x. The historical average is 14.4x. This places it at the 41th percentile of its historical range.
What is Great Southern Bancorp, Inc.'s EV/EBITDA?
Great Southern Bancorp, Inc.'s current EV/EBITDA is 13.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.3x.
What is Great Southern Bancorp, Inc.'s ROE?
Great Southern Bancorp, Inc.'s return on equity (ROE) is 11.5%. The historical average is 14.6%.
Is GSBC stock overvalued?
Based on historical data, Great Southern Bancorp, Inc. is trading at a P/E of 12.0x. This is at the 41th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Great Southern Bancorp, Inc.'s dividend yield?
Great Southern Bancorp, Inc.'s current dividend yield is 2.21% with a payout ratio of 26.4%.
What are Great Southern Bancorp, Inc.'s profit margins?
Great Southern Bancorp, Inc. has 66.9% gross margin and 25.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Great Southern Bancorp, Inc. have?
Great Southern Bancorp, Inc.'s Debt/EBITDA ratio is 4.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.