GREAT SOUTHERN BANCORP INC (GSBC)
US3909051076 - Common Stock
We assign a fundamental rating of 3 out of 10 to GSBC. GSBC was compared to 411 industry peers in the Banks industry. There are concerns on the financial health of GSBC while its profitability can be described as average. GSBC does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
GSBC had positive earnings in the past year.
In the past year GSBC had a positive cash flow from operations.
GSBC had positive earnings in each of the past 5 years.
Each year in the past 5 years GSBC had a positive operating cash flow.
1.2 Ratios
GSBC has a Return On Assets of 1.05%. This is in the better half of the industry: GSBC outperforms 68.45% of its industry peers.
GSBC has a better Return On Equity (10.75%) than 68.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 10.75% | ||
| ROIC | N/A |
ROA(3y)1.29%
ROA(5y)1.28%
ROE(3y)12.73%
ROE(5y)11.96%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
GSBC's Profit Margin of 28.41% is fine compared to the rest of the industry. GSBC outperforms 74.03% of its industry peers.
GSBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for GSBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.41% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.81%
PM growth 5Y-1.55%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
GSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, GSBC has less shares outstanding
The number of shares outstanding for GSBC has been reduced compared to 5 years ago.
Compared to 1 year ago, GSBC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GSBC is 8.25, which is on the high side as it means it would take GSBC, 8.25 years of fcf income to pay off all of its debts.
GSBC has a Debt to FCF ratio of 8.25. This is in the lower half of the industry: GSBC underperforms 76.21% of its industry peers.
GSBC has a Debt/Equity ratio of 0.63. This is a neutral value indicating GSBC is somewhat dependend on debt financing.
GSBC's Debt to Equity ratio of 0.63 is on the low side compared to the rest of the industry. GSBC is outperformed by 75.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | 8.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for GSBC have decreased strongly by -20.59% in the last year.
The Earnings Per Share has been growing slightly by 6.04% on average over the past years.
Looking at the last year, GSBC shows a very negative growth in Revenue. The Revenue has decreased by -11.78% in the last year.
The Revenue has been growing slightly by 1.78% on average over the past years.
EPS 1Y (TTM)-20.59%
EPS 3Y10.17%
EPS 5Y6.04%
EPS growth Q2Q-32.34%
Revenue 1Y (TTM)-11.78%
Revenue growth 3Y1.71%
Revenue growth 5Y1.78%
Revenue growth Q2Q-26.63%
3.2 Future
GSBC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.21% yearly.
GSBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.07% yearly.
EPS Next Y-15.3%
EPS Next 2Y-4.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.91%
Revenue Next 2Y0.07%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.46, which indicates a very decent valuation of GSBC.
The rest of the industry has a similar Price/Earnings ratio as GSBC.
GSBC is valuated cheaply when we compare the Price/Earnings ratio to 28.60, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.31, the valuation of GSBC can be described as reasonable.
GSBC's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.15, GSBC is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 10.31 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, GSBC is valued a bit more expensive than 70.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as GSBC's earnings are expected to decrease with -4.21% in the coming years.
PEG (NY)N/A
PEG (5Y)1.73
EPS Next 2Y-4.21%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.02%, GSBC has a reasonable but not impressive dividend return.
GSBC's Dividend Yield is comparable with the industry average which is at 3.65.
Compared to an average S&P500 Dividend Yield of 2.32, GSBC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
5.2 History
On average, the dividend of GSBC grows each year by 7.55%, which is quite nice.
GSBC has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of GSBC decreased in the last 3 years.
Dividend Growth(5Y)7.55%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
31.45% of the earnings are spent on dividend by GSBC. This is a low number and sustainable payout ratio.
DP31.45%
EPS Next 2Y-4.21%
EPS Next 3YN/A
GREAT SOUTHERN BANCORP INC
NASDAQ:GSBC (5/17/2024, 7:02:45 PM)
After market: 53.24 0 (0%)53.24
+0.23 (+0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap622.91M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.02% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(8)
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EPS beat(12)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(8)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 10.31 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 10.75% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.41% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.63 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-20.59%
EPS 3Y10.17%
EPS 5Y
EPS growth Q2Q
EPS Next Y-15.3%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-11.78%
Revenue growth 3Y1.71%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y