Great Southern Bancorp, Inc. (GSBC)
Valuation Overview•Is Great Southern Bancorp, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 60/100, reflecting stable operating margins and manageable leverage.
Analysts remain cautious, with consensus price targets indicating limited room for upside expansion.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is cautious, forecasting potential downside. This outlook is strongly supported by highly attractive capital returns, driven by a balanced mix of reliable dividends and share buybacks.
GSBC demonstrates strong business quality with robust profitability and healthy margins. However, the balance sheet carries elevated leverage, requiring careful monitoring of debt servicing capabilities.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 25.4% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $80.8M | -3.4% | — | — | +4.7% | |
| EBITDA | $19.5M | — | -5.6% | — | — | |
| Net Income | $16.3M | +14.8% | -2.2% | — | +4.3% | |
| EPS (Diluted) | $1.43 | +17.7% | +0.9% | +8.0% | +6.6% | |
| Free Cash Flow | $14.4M | +69.2% | +12.5% | +11.9% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 67.0% | 65.8% | 75.6% | 78.2% |
| Operating Margin | 25.4% | 24.3% | 29.7% | 30.7% |
| Net Margin | 20.6% | 19.6% | 23.9% | 24.4% |
| FCF Margin | 19.3% | 17.6% | 20.8% | 24.0% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.27 | $1.58 | +24.4% | ||
| Q1'26 | — | $1.43 | — | ||
| Q1'26 | $1.38 | $1.45 | +5.1% | ||
| Q4'25 | $1.55 | $1.56 | +0.6% | ||
| Q3'25 | $1.37 | $1.72 | +25.5% | ||
| Q2'25 | $1.26 | $1.47 | +16.7% | ||
| Q1'25 | $1.32 | $1.27 | -3.8% | ||
| Q4'24 | $1.26 | $1.41 | +11.9% |
Total return is +35.7% (1Y), outperforming the benchmark by +10.8%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +21.8% | +12.5% | — |
| 1Y | +35.7% | +10.8% | +3.0% |
| 3YCAGR | +14.5% | -5.3% | +9.3% |
| 5YCAGR | +9.2% | -4.3% | +15.0% |
| 10YCAGR | +9.0% | -4.6% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Great Southern Bancorp, Inc. (GSBC) valuation, health, and returns.
Based on peer relative multiples, Great Southern Bancorp, Inc. appears Fair versus peers compared to industry peers.
Great Southern Bancorp, Inc. has multiple valuation anchors: Peer Relative Fair Value: $75.39 | Wall Street Analyst Target: $62.00 (implying -16.5% upside). A convergence of these signals offers higher conviction.
Great Southern Bancorp, Inc. displays good financial health with a composite quality score of 60/100, supported by a Piotroski F-Score of 8/9, Return on Invested Capital (ROIC) of 7.2%.
Great Southern Bancorp, Inc. pays a 2.2% dividend yield, covered by a 26% payout ratio with 1 years of growth, supplemented by a 5.3% buyback yield.
Great Southern Bancorp, Inc.'s current growth trajectory is Decelerating. The company achieved -3.4% 1Y revenue growth and +17.7% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 6 analysts, beating EPS expectations in 83% of recent quarters with a 5-quarter streak. The consensus price target represents a -16.5% change from current levels.
Investment risks for Great Southern Bancorp, Inc. include: -13.7% 1-year max drawdown. Volatility risk is characterized by a beta of 0.68x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.