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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
10/08/2026: GSBC (2-star) is currently NOT-A-BUY. Pass it for now.
Great Southern Bancorp Inc is a stable regional financial institution primarily serving the Midwest through a traditional community banking model. The company's main strength lies in its reliable core deposit base and disciplined approach to commercial and residential lending. Its growth story centers on balancing steady organic business expansion with strategic digital improvements to maintain relevance in a changing landscape. However, the bank faces competitive risks from both digital-first banks and established larger peers, alongside sensitivities to regional economic shifts. It may best suit value and dividend-oriented investors looking for exposure to the regional banking sector, with a focus on monitoring net interest margins.
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 | Mixed fit | The company focuses on steady, manageable growth rather than rapid, high-risk expansion. |
| Momentum investor | Weak fit | Regional bank stocks typically lack the volatility and rapid price movement sought by momentum traders. |
| Value investor | Strong fit | The stock often trades at valuation multiples that appeal to investors focused on bank fundamentals and book value. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments, making it attractive for income-oriented portfolios. |
| Low-risk investor | Strong fit | As a regulated regional bank, it offers a more stable profile compared to high-growth, speculative sectors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to changes in economic outlooks and interest rate environments. |
| Valuation risk | Low | The stock is generally valued based on tangible book value and recurring earnings, reducing extreme valuation swings. |
| Competition risk (traditional and digital banking) | Medium / high | Increased competition for deposits and loans from both large banks and digital entrants threatens margins. |
| Business quality | Medium | The company possesses a stable business model, though it lacks the competitive moats of larger financial giants. |
| Dividend income | Low / none | Dividends are relatively stable, providing reliable income for shareholders. |
| Execution risk | Medium | Success depends on prudent loan underwriting and effective cost management in a competitive market. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
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 10/08/2026 |
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 847.72M USD | Price to earnings Ratio 12.96 | 1Y Target Price 76 |
Price to earnings Ratio 12.96 | 1Y Target Price 76 | ||
Volume (30-day avg) 89.1K shares | Beta 0.52 | 52 Weeks Range 52.45 - 82.46 | Updated Date 10/07/2026 |
52 Weeks Range 52.45 - 82.46 | Updated Date 10/07/2026 | ||
Dividends yield (FY) 2.17% | Basic EPS (TTM) 6 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on customer deposits. | The bank primarily makes money by collecting more interest on loans than it pays out for deposits. |
| Non-Interest Income | Fees from deposit accounts, mortgage banking services, and other financial services. | The company supplements its earnings through service charges and fee-based products. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.96 | Forward PE 12.12 | Enterprise Value 1.19B | Price to Sales(TTM) 3.74 |
Enterprise Value 1.19B | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 5.86 | Enterprise Value to EBITDA - | Shares Outstanding 10.90M | Shares Floating 7.90M |
Shares Outstanding 10.90M | Shares Floating 7.90M | ||
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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