📊 GSBC Key Takeaways
Is GSBC a Good Investment? Thesis Analysis
GSBC demonstrates exceptional revenue growth of 56.7% YoY with strong operating margins of 27.8% and robust free cash flow generation of $70.1M. The company maintains a conservative capital structure with zero long-term debt and solid profitability metrics, though flat net income growth relative to revenue expansion indicates margin compression requiring monitoring.
GSBC shows strong core profitability (1.3% ROA, 11.2% ROE) and robust free cash generation with healthy margins, supported by solid capitalization. Revenue growth is strong, suggesting franchise momentum, while flat net income indicates near-term pressure from funding costs and/or provisioning. On balance, fundamentals are sound with manageable risks, favoring continued earnings power through the cycle.
Why Buy GSBC? Key Strengths
- Exceptional revenue growth of 56.7% YoY, unusual strength for commercial bank sector
- Zero long-term debt with conservative capital structure and Debt/Equity ratio of 0.00x
- Strong free cash flow generation of $70.1M (22.3% FCF margin) demonstrating cash conversion capability
- Solid operating and net margins of 27.8% and 22.6% respectively
- EPS growth of 17.7% YoY showing earnings power despite flat net income
- Solid profitability metrics (ROA 1.3%, ROE 11.2%, net margin 22.6%)
- Strong operating efficiency and cash conversion (27.8% operating margin, 22.3% FCF margin)
- Healthy capitalization (equity/assets ~11%) and no reported long-term debt
GSBC Investment Risks to Consider
- Flat net income growth (0.0% YoY) despite 56.7% revenue growth signals margin compression or integration costs requiring explanation
- ROA of 1.3% is low for commercial bank; suggests operational efficiency challenges or dilutive assets
- Interest coverage ratio of 2.7x is modest, indicating moderate financial stress relative to interest obligations
- Significant disconnect between revenue and net income growth may indicate one-time charges or structural cost pressures
- Net interest margin pressure amid higher funding costs (interest coverage 2.7x)
- Credit quality/provision swings could cap earnings growth
- Liquidity and funding mix sensitivity with modest cash relative to assets
Key Metrics to Watch
- Net income margin trend and operating leverage realization
- Return on Assets improvement and cost-to-income ratio
- Interest coverage ratio and loan loss provision trends
- Net interest margin (NIM)
- Provision for credit losses and NPL ratio
GSBC Financial Metrics
💡 AI Analyst Insight
The 22.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
GSBC Profitability Ratios
GSBC vs Finance Sector
How GREAT SOUTHERN BANCORP, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GSBC Overvalued or Undervalued?
Based on fundamental analysis, GREAT SOUTHERN BANCORP, INC. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
GSBC Balance Sheet & Liquidity
GSBC 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: GREAT SOUTHERN BANCORP, INC.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $5.61 reflects profitable operations.
GSBC Growth Metrics (YoY)
GSBC Capital Allocation
GSBC SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for GREAT SOUTHERN BANCORP, INC. (CIK: 0000854560)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GSBC
What is the AI rating for GSBC?
GREAT SOUTHERN BANCORP, INC. (GSBC) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are GSBC's key strengths?
Claude: Exceptional revenue growth of 56.7% YoY, unusual strength for commercial bank sector. Zero long-term debt with conservative capital structure and Debt/Equity ratio of 0.00x. ChatGPT: Solid profitability metrics (ROA 1.3%, ROE 11.2%, net margin 22.6%). Strong operating efficiency and cash conversion (27.8% operating margin, 22.3% FCF margin).
What are the risks of investing in GSBC?
Claude: Flat net income growth (0.0% YoY) despite 56.7% revenue growth signals margin compression or integration costs requiring explanation. ROA of 1.3% is low for commercial bank; suggests operational efficiency challenges or dilutive assets. ChatGPT: Net interest margin pressure amid higher funding costs (interest coverage 2.7x). Credit quality/provision swings could cap earnings growth.
What is GSBC's revenue and growth?
GREAT SOUTHERN BANCORP, INC. reported revenue of $313.7M.
Does GSBC pay dividends?
GREAT SOUTHERN BANCORP, INC. pays dividends, with $18.7M distributed to shareholders in the trailing twelve months.
Where can I find GSBC SEC filings?
Official SEC filings for GREAT SOUTHERN BANCORP, INC. (CIK: 0000854560) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GSBC's EPS?
GREAT SOUTHERN BANCORP, INC. has a diluted EPS of $6.19.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is GSBC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, GREAT SOUTHERN BANCORP, INC. has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is GSBC stock overvalued or undervalued?
Valuation metrics for GSBC: ROE of 11.2% (sector avg: 12%), net margin of 22.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy GSBC stock in 2026?
Our dual AI analysis gives GREAT SOUTHERN BANCORP, INC. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is GSBC's free cash flow?
GREAT SOUTHERN BANCORP, INC.'s operating cash flow is $81.5M, with capital expenditures of $11.5M. FCF margin is 22.3%.
How does GSBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.6% (avg: 25%), ROE 11.2% (avg: 12%), current ratio N/A (avg: 1.2).