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Upturn AI SWOT - About
GSBC 
Great Southern Bancorp Inc (GSBC)
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Upturn Advisory Summary
08/28/2025: 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 -21.48% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 721.05M USD | Price to earnings Ratio 10.85 | 1Y Target Price 63.5 |
Price to earnings Ratio 10.85 | 1Y Target Price 63.5 | ||
Volume (30-day avg) 2 | Beta 0.59 | 52 Weeks Range 47.25 - 66.63 | Updated Date 08/28/2025 |
52 Weeks Range 47.25 - 66.63 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.51% | 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 10.85 | Forward PE 12.12 | Enterprise Value 932246336 | Price to Sales(TTM) 3.21 |
Enterprise Value 932246336 | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 4.92 | 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 as a building and loan association in Springfield, Missouri. It has evolved into a regional bank holding company offering a variety of financial services. Significant milestones include expansion through acquisitions and organic growth across the Midwest.
Core Business Areas
- Commercial Banking: Provides lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers personal banking services including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides investment advisory, trust, and insurance services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives overseeing various departments. The organizational structure is a traditional hierarchical structure with regional management teams.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share information is fragmented but they are a significant player in their geographic footprint. Competitors include regional and national banks like U.S. Bank and Commerce Bancshares.
- Residential Mortgages: Loans for purchasing or refinancing residential properties. Market share is dependent on the local market and interest rate environment. Competitors include Quicken Loans, Wells Fargo, and local credit unions.
- Checking Accounts: Basic banking services provided to individuals. Market share is driven by competitive rates and convenience. Competitors include national banks like Bank of America and Chase, as well as fintech companies.
Market Dynamics
Industry Overview
The banking industry is currently facing rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Banks are focused on digital transformation and adapting to changing customer preferences.
Positioning
Great Southern Bancorp Inc. is positioned as a community-focused bank with a strong regional presence. Its competitive advantages include its long-standing customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in the Midwest is estimated to be in the hundreds of billions of dollars. Great Southern Bancorp Inc. captures a small but significant portion of this TAM through its regional focus.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Long-standing customer relationships
- Conservative lending practices
- Experienced management team
Weaknesses
- Limited geographic diversification
- Dependence on local economy
- Lower brand awareness compared to national banks
- Slower adoption of new technologies compared to larger competitors
Opportunities
- Expansion into new markets within the Midwest
- Increased adoption of digital banking services
- Acquisitions of smaller community 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
- USB
- CFBK
- OZK
Competitive Landscape
Great Southern Bancorp Inc. faces intense competition from larger national banks and smaller community banks. Its advantage lies in its local market expertise and customer relationships. The larger banks have more technology and compliance resources, the smaller banks have less resources but the same requirements.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable to provide precise numbers.
Future Projections: Future projections are unavailable to provide precise numbers.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
Great Southern Bancorp Inc. is a stable regional bank with a strong presence in the Midwest. Its conservative lending practices and long-standing customer relationships are strengths. The bank needs to navigate the challenges of rising interest rates and increased competition from fintech companies and to manage increased regulatory requirements. Future growth may depend on successful expansion into new markets and increased adoption of digital banking services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- SEC.gov
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share estimates are approximations and may vary. Financial metrics are not precise numbers. Refer to Great Southern Bancorp Inc's official filings for accurate information.
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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