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Upturn AI SWOT - About
GSBC 
Great Southern Bancorp Inc (GSBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/16/2025: GSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $63.5
1 Year Target Price $63.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.35% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 710.40M USD | Price to earnings Ratio 10.71 | 1Y Target Price 63.5 |
Price to earnings Ratio 10.71 | 1Y Target Price 63.5 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 47.25 - 66.63 | Updated Date 09/15/2025 |
52 Weeks Range 47.25 - 66.63 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.55% | Basic EPS (TTM) 5.85 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.48% | Operating Margin (TTM) 42.7% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 11.48% |
Valuation
Trailing PE 10.71 | Forward PE 12.12 | Enterprise Value 923070400 | Price to Sales(TTM) 3.17 |
Enterprise Value 923070400 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 4.88 | Enterprise Value to EBITDA - | Shares Outstanding 11328300 | Shares Floating 8329166 |
Shares Outstanding 11328300 | Shares Floating 8329166 | ||
Percent Insiders 27.28 | Percent Institutions 45.37 |
Upturn AI SWOT
Great Southern Bancorp Inc
Company Overview
History and Background
Great Southern Bancorp, Inc. was founded in 1923. It started as a savings and loan association and has grown into a diversified financial services company, providing banking and lending services primarily in the Midwest.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit accounts, and treasury management services to businesses of various sizes.
- Retail Banking: Provides personal checking and savings accounts, mortgages, consumer loans, and other services to individual customers.
- Wealth Management: Offers investment advisory and trust services to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives responsible for various divisions. The company is structured with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for the acquisition, development, and construction of commercial properties. Limited market share data available. Competitors include regional and national banks like UMB Financial Corporation and Bank of America. Revenue is dependent on interest income from outstanding loans.
- Residential Mortgages: Mortgages for the purchase or refinance of residential properties. Market share data varies by region. Competitors include Quicken Loans (Rocket Mortgage), Wells Fargo, and local mortgage brokers. Revenue is generated from interest income and loan origination fees.
- Checking and Savings Accounts: Various deposit accounts for individuals and businesses. Market share is regionally focused. Competitors include Chase, U.S. Bank, and smaller community banks. Revenue is obtained from account fees and loan interest rates.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased competition from fintech companies, and regulatory changes. Economic conditions and consumer confidence heavily influence the industry's performance.
Positioning
Great Southern Bancorp Inc. is a regional bank focusing on community banking and relationship-based services. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
TAM for banking services is substantial. The TAM is expected to continue to grow with the growth in the economy and population. Great Southern is positioned to capitalize on the TAM through its expansion strategy and strong customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Solid customer relationships
- Experienced management team
- Diversified loan portfolio
- Healthy capital ratios
Weaknesses
- Limited geographic reach
- Dependence on interest rate spreads
- Smaller scale compared to national banks
- Potential exposure to credit risk in certain loan segments
Opportunities
- Expansion into new markets within the Midwest
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- Commerce Bancshares, Inc. (CBSH)
- Simmons First National Corporation (SFNC)
Competitive Landscape
Great Southern Bancorp Inc. competes with larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its strong local presence and relationship-based services.
Major Acquisitions
First Home Savings Bank
- Year: 2022
- Acquisition Price (USD millions): 55
- Strategic Rationale: Expanded market presence in southwest Missouri.
Growth Trajectory and Initiatives
Historical Growth: Great Southern Bancorp Inc. has experienced moderate growth over the past few years, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued moderate growth, supported by expansion into new markets and increasing digital banking adoption. Revenue is expected to grow by 5-7% annually.
Recent Initiatives: Recent initiatives include investing in digital banking platforms, expanding into new markets through branch openings, and acquiring smaller community banks.
Summary
Great Southern Bancorp Inc. is a financially stable regional bank with a solid history and strong presence in the Midwest. It benefits from its customer focus and diversified loan portfolio, but faces challenges from larger competitors and changing market conditions. The company's strategic initiatives, including digital banking investments and expansion, will be crucial for future growth. Continued attention to credit risk and interest rate management will also be essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, market research reports.
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share and TAM estimates are based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Great Southern Bancorp Inc
Exchange NASDAQ | Headquaters Springfield, MO, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Joseph William Turner J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 882 | |
Full time employees 882 | |||
Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in the United States. 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.
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