Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
GSBC logo GSBC
Upturn stock ratingUpturn stock rating
GSBC logo

Great Southern Bancorp Inc (GSBC)

Upturn stock ratingUpturn stock rating
$61.97
Last Close (24-hour delay)
Profit since last BUY-0.71%
upturn advisory
Consider higher Upturn Star rating
BUY since 16 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

09/16/2025: GSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$63.5 Target price
52w Low $47.25
Current$61.97
52w High $66.63

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 stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn 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

ai summary icon Upturn AI SWOT

Great Southern Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.