Great Southern Bancorp (GSBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Great Southern Bancorp

NasdaqGS•Financial Services•Banks - Regional

$79.49-0.75(-0.01%)Pre-market

Market Cap

$872.06M

P/E

13.0x

P/S

2.7x

P/B

1.4x

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The company's deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. Its loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

How this company scores

WeakMetricSide Score: 52/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Balance Sheet & Red Flags (16/25); weakest: Growth (8/25).

Profitability14/25

Growth8/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality14/25

Strengths

Strong marginsLow leverageConsistent free cash flowNet cash position

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.0x5y range 8.7x – 13.0x

Currently above its 20-quarter median.

P/S · 2.7x5y range 1.8x – 3.3x

Currently above its 20-quarter median.

P/B · 1.4x5y range 1.1x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Revenue Decline

Red Flag

Revenue declined in 5 of the last 7 quarters — persistent contraction signals a fundamental problem.

Price & Volume

Market Cap $872.06M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $324.79M
Q. Revenue: $79.84M
TTM EBITDA: $93.75M
TTM Op. Income: $81.28M
Q. Op. Income: $18.65M
TTM Net Income: $67.30M
Q. Net Income: $15.79M
EPS: $1.45
Shares Out.: $10.88M

$324.79M in TTM revenue declined 8.8% YoY, reaching $79.84M last quarter. TTM EBITDA of $93.75M and TTM operating income of $81.28M show growth is flowing through to the bottom line. TTM net income of $67.30M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 5 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 71.2%
EBITDA Margin: 26.1%
Op. Margin: 23.4%
Net Margin: 19.8%

Op. margin of 23.4% is down 3.7% YoY — costs are rising relative to revenue. Net margin at 19.8% and gross margin of 71.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 14% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.0x
P/S Ratio: 2.7x
P/B Ratio: 1.4x

At 13.0x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 31% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.52B
Cash: $179.98M
Long-Term Debt: $25.77M
Book Value: $641.60M
D/E Ratio: 0.0
Debt/EBITDA: 1.2

With $5.52B in assets and $25.77M in long-term debt, D/E is 0.0and book value is $641.60M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 3% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.14M
TTM Free Cash Flow: $44.67M
FCF Margin: 13.8%
FCF / Net Income: 0.7

TTM FCF of $44.67M on $6.14M in operating cash flow. The FCF / Net Income ratio of 0.7x means cash covers only part of net income — earnings quality needs attention. Over the past year, free cash flow is down 39% — a weakening trend.