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Upturn AI SWOT - About
GSBC 
Great Southern Bancorp Inc (GSBC)
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Upturn Advisory Summary
10/01/2025: 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 -24.4% | Avg. Invested days 32 | 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 10/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 700.09M USD | Price to earnings Ratio 10.54 | 1Y Target Price 63.5 |
Price to earnings Ratio 10.54 | 1Y Target Price 63.5 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 46.93 - 66.17 | Updated Date 10/1/2025 |
52 Weeks Range 46.93 - 66.17 | Updated Date 10/1/2025 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 5.76 |
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 10.54 | Forward PE 12.12 | Enterprise Value 900640256 | Price to Sales(TTM) 3.12 |
Enterprise Value 900640256 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 4.87 | Enterprise Value to EBITDA - | Shares Outstanding 11328345 | Shares Floating 8329166 |
Shares Outstanding 11328345 | 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. Originally a savings and loan association, it has grown into a diversified financial services provider with a strong presence in the Midwest, particularly in Missouri, Arkansas, Iowa, Kansas, and Tennessee. It converted to a stock corporation in 1993.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, business loans, and lines of credit.
- Retail Banking: Provides deposit accounts, residential mortgage loans, consumer loans, and other retail banking services to individuals and small businesses.
- Wealth Management: Offers trust and investment management services to individuals, families, and businesses.
Leadership and Structure
The leadership team includes Joseph Turner (President and CEO). The organizational structure consists of various departments responsible for different business functions, overseen by senior management and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects. Market share data is not readily available at a granular level. Competitors include other regional and national banks like U.S. Bancorp and Commerce Bancshares.
- Residential Mortgages: Mortgage loans for homebuyers. Market share data is difficult to pinpoint precisely. Competitors include Quicken Loans, Wells Fargo, and other mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts. Market share is fragmented across numerous banks and credit unions. Competitors include Bank of America, Chase, and local community banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, technological disruption from fintech companies, fluctuating interest rates, and economic uncertainty.
Positioning
Great Southern Bancorp, Inc. is positioned as a community-focused bank with a strong regional presence. Its competitive advantage lies in its local market knowledge, customer relationships, and efficient operations.
Total Addressable Market (TAM)
The total addressable market for banking services in Great Southern's footprint is estimated to be in the billions of dollars. Great Southern is positioned well within its core market, aiming for sustainable growth through relationship banking.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Conservative lending practices
- Solid capital position
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking services
- Lower brand recognition compared to national banks
- Vulnerability to interest rate fluctuations
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Economic downturn
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- CINF
- OZK
- BOKF
- FFWM
Competitive Landscape
Great Southern possesses competitive advantages within its key markets due to established customer relationships and local market understanding. Disadvantages include its smaller scale and geographic reach compared to national banks.
Major Acquisitions
Freedom Bank of Southern Missouri
- Year: 2015
- Acquisition Price (USD millions): 28.6
- Strategic Rationale: Expanded branch network and market presence in Southern Missouri.
Growth Trajectory and Initiatives
Historical Growth: Great Southern has achieved growth through organic expansion and strategic acquisitions. Requires access to their past 10K reports.
Future Projections: Analyst estimates project continued growth in earnings per share (EPS) and asset base. Specific figures depend on economic conditions and company performance.
Recent Initiatives: Recent initiatives include investments in technology, expansion of branch network, and enhancement of wealth management services.
Summary
Great Southern Bancorp, Inc. is a financially sound regional bank with a strong presence in the Midwest. The company has consistently grown through organic expansion and strategic acquisitions. However, it faces challenges from increased competition, rising interest rates, and regulatory burden. Its conservative lending practices and strong capital position provide a solid foundation for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Financial news outlets
- Industry reports
- Analyst estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source.
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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