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GREAT SOUTHERN BANCORP INC (GSBC) Stock Fundamental Analysis

NASDAQ:GSBC - Nasdaq - US3909051076 - Common Stock

61.16  -0.84 (-1.35%)

Fundamental Rating

3

Taking everything into account, GSBC scores 3 out of 10 in our fundamental rating. GSBC was compared to 405 industry peers in the Banks industry. GSBC may be in some trouble as it scores bad on both profitability and health. GSBC has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year GSBC was profitable.
GSBC had a positive operating cash flow in the past year.
Of the past 5 years GSBC 4 years were profitable.
Of the past 5 years GSBC 4 years had a positive operating cash flow.
GSBC Yearly Net Income VS EBIT VS OCF VS FCFGSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M

1.2 Ratios

GSBC's Return On Assets of 0.99% is fine compared to the rest of the industry. GSBC outperforms 69.60% of its industry peers.
Looking at the Return On Equity, with a value of 9.81%, GSBC is in the better half of the industry, outperforming 69.85% of the companies in the same industry.
Industry RankSector Rank
ROA 0.99%
ROE 9.81%
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
GSBC Yearly ROA, ROE, ROICGSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

The Profit Margin of GSBC (27.93%) is better than 78.64% of its industry peers.
In the last couple of years the Profit Margin of GSBC has declined.
The Operating Margin and Gross Margin are not available for GSBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.93%
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
GSBC Yearly Profit, Operating, Gross MarginsGSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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2

2. Health

2.1 Basic Checks

GSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for GSBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
GSBC Yearly Shares OutstandingGSBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M
GSBC Yearly Total Debt VS Total AssetsGSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of GSBC is 2.53, which is a good value as it means it would take GSBC, 2.53 years of fcf income to pay off all of its debts.
GSBC's Debt to FCF ratio of 2.53 is in line compared to the rest of the industry. GSBC outperforms 52.26% of its industry peers.
GSBC has a Debt/Equity ratio of 0.29. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.29, GSBC is doing worse than 64.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.53
Altman-Z N/A
ROIC/WACCN/A
WACC13.28%
GSBC Yearly LT Debt VS Equity VS FCFGSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
GSBC Yearly Current Assets VS Current LiabilitesGSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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2

3. Growth

3.1 Past

The earnings per share for GSBC have decreased by -6.57% in the last year.
GSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.62% yearly.
EPS 1Y (TTM)-6.57%
EPS 3Y-0.93%
EPS 5Y0.62%
EPS Q2Q%14.41%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.08%

3.2 Future

The Earnings Per Share is expected to grow by 3.98% on average over the next years.
Based on estimates for the next years, GSBC will show a small growth in Revenue. The Revenue will grow by 4.75% on average per year.
EPS Next Y-0.52%
EPS Next 2Y3.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.75%
Revenue Next 2Y4.75%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
GSBC Yearly Revenue VS EstimatesGSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
GSBC Yearly EPS VS EstimatesGSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.63, the valuation of GSBC can be described as reasonable.
GSBC's Price/Earnings ratio is a bit cheaper when compared to the industry. GSBC is cheaper than 68.09% of the companies in the same industry.
GSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
A Price/Forward Earnings ratio of 11.69 indicates a reasonable valuation of GSBC.
GSBC's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of GSBC to the average of the S&P500 Index (24.44), we can say GSBC is valued rather cheaply.
Industry RankSector Rank
PE 11.63
Fwd PE 11.69
GSBC Price Earnings VS Forward Price EarningsGSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

GSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GSBC is cheaper than 67.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.15
EV/EBITDA N/A
GSBC Per share dataGSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)18.76
EPS Next 2Y3.98%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

GSBC has a Yearly Dividend Yield of 2.65%. Purely for dividend investing, there may be better candidates out there.
GSBC's Dividend Yield is comparable with the industry average which is at 3.22.
Compared to an average S&P500 Dividend Yield of 2.28, GSBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.65%

5.2 History

The dividend of GSBC is nicely growing with an annual growth rate of 7.55%!
GSBC has paid a dividend for at least 10 years, which is a reliable track record.
GSBC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.55%
Div Incr Years2
Div Non Decr Years3
GSBC Yearly Dividends per shareGSBC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

5.3 Sustainability

GSBC pays out 31.35% of its income as dividend. This is a sustainable payout ratio.
GSBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.35%
EPS Next 2Y3.98%
EPS Next 3YN/A
GSBC Yearly Income VS Free CF VS DividendGSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M
GSBC Dividend Payout.GSBC Dividend Payout, showing the Payout Ratio.GSBC Dividend Payout.PayoutRetained Earnings

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GREAT SOUTHERN BANCORP INC

NASDAQ:GSBC (1/22/2025, 10:19:50 AM)

61.16

-0.84 (-1.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/amc
Earnings (Next)N/A N/A
Inst Owners42.43%
Inst Owner Change0.02%
Ins Owners26.63%
Ins Owner Change-0.66%
Market Cap713.74M
Analysts47.5
Price Target65.96 (7.85%)
Short Float %1.57%
Short Ratio4.31
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend1.61
Dividend Growth(5Y)7.55%
DP31.35%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.74%
Min EPS beat(2)9.71%
Max EPS beat(2)17.78%
EPS beat(4)3
Avg EPS beat(4)7.25%
Min EPS beat(4)-5.32%
Max EPS beat(4)17.78%
EPS beat(8)7
Avg EPS beat(8)6.56%
EPS beat(12)9
Avg EPS beat(12)3.95%
EPS beat(16)13
Avg EPS beat(16)7.15%
Revenue beat(2)0
Avg Revenue beat(2)-4.72%
Min Revenue beat(2)-7.8%
Max Revenue beat(2)-1.65%
Revenue beat(4)0
Avg Revenue beat(4)-6.33%
Min Revenue beat(4)-8.35%
Max Revenue beat(4)-1.65%
Revenue beat(8)2
Avg Revenue beat(8)-1.83%
Revenue beat(12)6
Avg Revenue beat(12)5.64%
Revenue beat(16)10
Avg Revenue beat(16)9.43%
PT rev (1m)3.74%
PT rev (3m)4.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.39%
EPS NY rev (1m)0%
EPS NY rev (3m)4.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.15%
Valuation
Industry RankSector Rank
PE 11.63
Fwd PE 11.69
P/S 3.32
P/FCF 10.15
P/OCF 9.53
P/B 1.17
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)5.26
EY8.6%
EPS(NY)5.23
Fwd EY8.56%
FCF(TTM)6.02
FCFY9.85%
OCF(TTM)6.42
OCFY10.49%
SpS18.42
BVpS52.45
TBVpS51.58
PEG (NY)N/A
PEG (5Y)18.76
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 9.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.93%
GM N/A
FCFM 32.7%
ROA(3y)1.29%
ROA(5y)1.28%
ROE(3y)12.73%
ROE(5y)11.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 2.53
Debt/EBITDA N/A
Cap/Depr 51.2%
Cap/Sales 2.14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.28%
ROIC/WACCN/A
Cap/Depr(3y)112.17%
Cap/Depr(5y)101.03%
Cap/Sales(3y)4.84%
Cap/Sales(5y)4.79%
Profit Quality(3y)91.94%
Profit Quality(5y)88.19%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.57%
EPS 3Y-0.93%
EPS 5Y0.62%
EPS Q2Q%14.41%
EPS Next Y-0.52%
EPS Next 2Y3.98%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%25.08%
Revenue Next Year4.75%
Revenue Next 2Y4.75%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y61.21%
FCF growth 3Y24.76%
FCF growth 5Y-2.87%
OCF growth 1Y22.35%
OCF growth 3Y20.61%
OCF growth 5Y-3.05%