Great Southern Bancorp, Inc. Fundamental Analysis (NASDAQ: GSBC)
Great Southern Bancorp, Inc. Fundamental Analysis (NASDAQ: GSBC)
Great Southern Bancorp, Inc. (NASDAQ: GSBC) shows moderate financial fundamentals with a PE ratio of 13.04, profit margin of 21.14%, and ROE of 10.58%. The company generates $0.3B in annual revenue with weak year-over-year growth of -3.37%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze GSBC's fundamental strength across five key dimensions:
Efficiency Score
WeakGSBC struggles to generate sufficient returns from assets.
Valuation Score
ModerateGSBC shows balanced valuation metrics.
Growth Score
ModerateGSBC shows steady but slowing expansion.
Financial Health Score
ModerateGSBC shows balanced financial health with some risks.
Profitability Score
ModerateGSBC maintains healthy but balanced margins.
Key Financial Metrics
Is GSBC Expensive or Cheap?
P/E Ratio
GSBC trades at 13.04 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, GSBC's PEG of 4.79 indicates potential overvaluation.
Price to Book
The market values Great Southern Bancorp, Inc. at 1.34 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.52 times EBITDA. This is generally considered low.
How Well Does GSBC Make Money?
Net Profit Margin
For every $100 in sales, Great Southern Bancorp, Inc. keeps $21.14 as profit after all expenses.
Operating Margin
Core operations generate 23.16 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.58 in profit for every $100 of shareholder equity.
ROA
Great Southern Bancorp, Inc. generates $1.22 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Great Southern Bancorp, Inc. produces operating cash flow of $54.54M, showing steady but balanced cash generation.
Free Cash Flow
Great Southern Bancorp, Inc. generates strong free cash flow of $44.09M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $4.05 in free cash annually.
FCF Yield
GSBC converts 5.14% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.04
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.79
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.34
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.69
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.80
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.24
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How GSBC Stacks Against Its Sector Peers
| Metric | GSBC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.04 | 21.07 | Better (Cheaper) |
| ROE | 10.58% | 647.00% | Weak |
| Net Margin | 21.14% | -1593.00% (disorted) | Strong |
| Debt/Equity | 0.80 | 0.90 | Neutral |
| Current Ratio | 0.24 | 911.99 | Weak Liquidity |
| ROA | 1.22% | -578.00% (disorted) | Weak |
GSBC outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Great Southern Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
67.37%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
47.45%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
107.94%
Industry Style: Value, Dividend, Cyclical
High Growth