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Upturn AI Summary - About
Great Southern Bancorp Inc(GSBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for GSBC
10/23/2026: GSBC (2-star) is currently NOT-A-BUY. Pass it for now.
Great Southern Bancorp is a stable, Midwest-focused regional bank that offers a traditional suite of retail and commercial banking services. The company's strengths include a long-standing reputation for conservative asset quality and consistent dividend payments, making it a potentially suitable choice for income-oriented value investors. Its growth story is built on steady organic performance and strategic market expansion within its regional footprint. However, the bank faces risks related to geographic concentration, interest rate sensitivity, and intensifying competition from national and digital-first financial institutions. Investors should monitor the company's ability to navigate the interest rate cycle, manage its loan portfolio, and successfully execute digital transformations to sustain competitive relevance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature regional bank with stable, slow-growth characteristics rather than high-growth potential. |
| Momentum investor | Weak fit | Stock performance is generally tied to long-term banking fundamentals rather than short-term price momentum. |
| Value investor | Strong fit | GSBC is often priced based on book value and earnings, making it attractive to investors seeking fundamental value. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, supporting income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the company is subject to the inherent cyclical risks and volatility of the regional banking sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can react sharply to interest rate announcements and economic data. |
| Valuation risk | Medium | Changes in market sentiment toward banking stocks can cause valuation multiples to contract. |
| Competition risk (Banking) | Medium / high | Competition from larger national banks and fintechs for deposits puts pressure on margins. |
| Business quality | Medium | The business relies on traditional banking models that are sensitive to macroeconomic conditions. |
| Dividend income | Low | The dividend is generally considered stable but could be adjusted during significant economic downturns. |
| Execution risk | Medium | Integrating acquisitions and managing credit risk requires consistent management execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 4.77% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 881.94M USD | Price to earnings Ratio 14.15 | 1Y Target Price 78 |
Price to earnings Ratio 14.15 | 1Y Target Price 78 | ||
Volume (30-day avg) 86.0K shares | Beta 0.52 | 52 Weeks Range 52.45 - 82.46 | Updated Date 10/23/2026 |
52 Weeks Range 52.45 - 82.46 | Updated Date 10/23/2026 | ||
Dividends yield (FY) 2.18% | Basic EPS (TTM) 5.72 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and residential loans minus interest paid on deposits. | The bank earns money primarily by lending out deposited funds at higher rates than it pays to depositors. |
| Non-Interest Income | Service charges, mortgage banking fees, and investment services income. | Additional revenue is generated from fees for various financial services and selling mortgage loans. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 1.39 | Actual 1.5 |
Profitability
Profit Margin 28.16% | Operating Margin (TTM) 38.65% |
Management Effectiveness
Return on Assets (TTM) 1.1% | Return on Equity (TTM) 10.21% |
Valuation
Trailing PE 14.15 | Forward PE 12.12 | Enterprise Value 1.77B | Price to Sales(TTM) 3.91 |
Enterprise Value 1.77B | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 5.86 | Enterprise Value to EBITDA - | Shares Outstanding 10.90M | Shares Floating 7.79M |
Shares Outstanding 10.90M | Shares Floating 7.79M | ||
Percent Insiders 28.52 | Percent Institutions 52.72 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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