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Upturn AI SWOT - About
GSBC 
Great Southern Bancorp Inc (GSBC)
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Upturn Advisory Summary
07/10/2025: 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 $59.5
1 Year Target Price $59.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.33% | Avg. Invested days 30 | 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 07/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 706.54M USD | Price to earnings Ratio 11 | 1Y Target Price 59.5 |
Price to earnings Ratio 11 | 1Y Target Price 59.5 | ||
Volume (30-day avg) 2 | Beta 0.55 | 52 Weeks Range 47.25 - 66.63 | Updated Date 07/10/2025 |
52 Weeks Range 47.25 - 66.63 | Updated Date 07/10/2025 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 5.6 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-07-16 | When After Market | Estimate 1.35 | Actual - |
Profitability
Profit Margin 29.86% | Operating Margin (TTM) 40.26% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 11.13% |
Valuation
Trailing PE 11 | Forward PE 12.12 | Enterprise Value 1010632320 | Price to Sales(TTM) 3.22 |
Enterprise Value 1010632320 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 3.62 | Enterprise Value to EBITDA - | Shares Outstanding 11467900 | Shares Floating 8466765 |
Shares Outstanding 11467900 | Shares Floating 8466765 | ||
Percent Insiders 26.94 | Percent Institutions 44.62 |
Upturn AI SWOT
Great Southern Bancorp Inc
Company Overview
History and Background
Great Southern Bancorp, Inc. was founded in 1923. Initially a building and loan association, it evolved into a full-service commercial bank. Over the decades, it has grown through organic expansion and strategic acquisitions, focusing primarily on markets in the Midwest and South.
Core Business Areas
- Commercial Banking: Offers a range of commercial loans, deposit accounts, and cash management services to businesses of various sizes.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Offers trust and investment management services to individuals and institutions.
Leadership and Structure
The leadership team is headed by the CEO and includes executives overseeing various departments such as lending, finance, and operations. The organizational structure is typical of a regional bank holding company, with a board of directors providing oversight.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to pinpoint exactly but Great Southern is a leader in their geographical region. Competitors include other regional and national banks like U.S. Bancorp (USB) and Commerce Bancshares, Inc. (CBSH).
- Residential Mortgages: Mortgages for purchasing or refinancing residential properties. Great Southern competes with national lenders like Rocket Mortgage and local credit unions. Market share figures are localized and dependent on their branch footprint.
- Checking Accounts: Various checking account products for individuals and businesses. Competitors include national banks like Bank of America (BAC) and JPMorgan Chase (JPM), as well as online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Consolidation is also a significant trend.
Positioning
Great Southern Bancorp, Inc. is positioned as a strong regional bank with a focus on community banking and customer service. Its competitive advantage lies in its local market knowledge and long-standing customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Great Southern's operating area is estimated to be in the billions of dollars. Great Southern is positioned to capture a portion of this market through its branch network and online banking services.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Established presence in key markets
- High customer satisfaction
Weaknesses
- Limited geographic diversification
- Exposure to interest rate risk
- Dependence on traditional banking model
- Higher cost structure than some competitors
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- USB
- CBSH
- OZK
- FFWM
Competitive Landscape
Great Southern's advantages include its customer service and market presence, while disadvantages may include its smaller size compared to national banks and regional powerhouses.
Major Acquisitions
First Bancshares
- Year: 2019
- Acquisition Price (USD millions): 60
- Strategic Rationale: Expanded its footprint in Southwest Missouri.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is projected to be in line with the overall economic growth in its markets, with potential upside from new initiatives.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion into new markets. Focus on enhancing digital banking platforms is high
Summary
Great Southern Bancorp is a solid regional bank with a long history. Strengths include its established market presence, strong capital base, and customer service. Its weakness is its smaller size and exposure to economic downturns. It needs to continue investment in digital banking to stay competitive
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions may change rapidly and are subject to various risks and uncertainties.
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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