Great American Bancorp, Inc. (GTPS) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Great American Bancorp, Inc. (GTPS) trades at $72.00 with AI Score 53/100 (Grade B). Great American Bancorp, Inc. Market cap: $25.7M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for GTPS: GTPS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GTPS against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
GTPS: 1/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Great American Bancorp, Inc. (GTPS) Financial Services Profile
Great American Bancorp, Inc., established in 1908, operates as a thrift holding company providing banking and financial services through First Federal Savings Bank in Champaign County, Illinois, featuring a diverse portfolio of deposit and loan products, brokerage activities, and insurance services, with a modest market capitalization and a focus on regional customers.
What Is the Investment Thesis for GTPS?
Great American Bancorp, Inc. presents a focused investment opportunity within the regional banking sector, characterized by its established presence in Champaign County, Illinois since 1908. The company's diversified financial service offerings, including traditional banking products, brokerage activities, and insurance services, contribute to a stable revenue base, highlighted by a profit margin of 24.4%. A key value driver is the company's ability to maintain a strong gross margin of 74.2%. However, the company's small market capitalization of $25.7M and its listing on the OTC market introduce liquidity and regulatory considerations. The dividend yield of 1.50% provides a modest income stream for investors. Growth catalysts include potential expansion of its loan portfolio and increased penetration of its insurance and brokerage services within its existing customer base. Potential risks include the impact of interest rate fluctuations on its loan portfolio and the competitive pressures from larger regional and national banks.
Based on FMP financials and quantitative analysis
GTPS Key Highlights
Market capitalization of $25.7M indicates a small-cap company with potential for growth but also higher volatility.
- P/E ratio of 7.56 suggests the company may be undervalued compared to its earnings.
- Profit margin of 24.4% demonstrates efficient operations and profitability.
- Gross margin of 74.2% indicates a strong ability to manage costs and generate revenue from its services.
- Dividend yield of 1.50% provides a modest income stream for investors.
Who Are GTPS's Competitors?
GTPS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMFC AMB Financial Corp. | $38.15 | +0.39% | $34.0M | 53 |
| BKUTK Bank of Utica | $677.50 | -1.81% | $170M | 52 |
| CNBZ CNB Corporation | $29.10 | +0.34% | $35.2M | 53 |
| ELMA Elmer Bancorp, Inc. | $29.00 | +0.00% | $33.4M | 55 |
| FBPA The Farmers Bank of Appomattox | $32.60 | +0.00% | $35.3M | 55 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GTPS's Key Strengths?
Long-standing presence in Champaign County, Illinois.
- Diversified financial service offerings.
- Strong gross margin of 74.2%.
- Conservative lending practices.
What Are GTPS's Weaknesses?
Small market capitalization of $25.7M.
- Limited geographic reach.
- Dependence on local economy.
- OTC market listing limits liquidity.
What Could Drive GTPS Stock Higher?
Expansion of digital banking services to attract a younger demographic.
- Strategic partnerships with local businesses to expand customer base.
- Potential acquisition of smaller community banks in neighboring counties (within 3-5 years).
- Efforts to increase penetration of insurance services among existing customers.
- Focus on maintaining strong asset quality and risk management practices.
What Are the Key Risks for GTPS?
Financial-distress signal — its Altman Z-Score of 0.60 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations could impact the company's net interest margin.
- Economic downturn in Champaign County could lead to increased loan defaults.
- Competition from larger regional and national banks.
- Increased regulatory burden could increase compliance costs.
- Limited liquidity due to OTC market listing.
What Are the Growth Opportunities for GTPS?
- Expansion of Loan Portfolio: Great American Bancorp, Inc. has the opportunity to expand its loan portfolio by targeting specific segments within its existing market, such as small businesses and commercial real estate ventures. The market for small business loans in Illinois is estimated to be $5 billion annually. By offering competitive rates and personalized service, the bank can increase its market share and drive revenue growth. This expansion can be realized within the next 2-3 years.
- Increased Penetration of Insurance Services: The company can leverage its existing customer base to cross-sell insurance products, including life, health, auto, property, and casualty insurance. The insurance market in Champaign County is valued at approximately $500 million. By offering bundled services and tailored insurance solutions, Great American Bancorp can increase its revenue per customer and enhance customer loyalty. This initiative can be implemented over the next 1-2 years.
- Enhancement of Digital Banking Platform: Investing in and enhancing its digital banking platform can attract a younger demographic and improve customer convenience. The adoption of digital banking services is growing rapidly, with an estimated 70% of banking customers using online or mobile banking. By offering a user-friendly and secure digital platform, Great American Bancorp can enhance customer satisfaction and reduce operational costs. This upgrade can be completed within the next year.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can provide access to new customers and revenue streams. By offering preferred banking services to employees of partner businesses, Great American Bancorp can expand its customer base and increase its brand awareness. This collaborative approach can be implemented within the next 6-12 months.
- Acquisition of Smaller Community Banks: Great American Bancorp, Inc. could explore the acquisition of smaller community banks in neighboring counties to expand its geographic footprint and increase its market share. The regional banking sector is consolidating, and acquisitions can provide economies of scale and access to new markets. This strategy would require careful due diligence and integration planning and could be pursued over the next 3-5 years.
What Are GTPS's Competitive Advantages?
- Established local presence and brand recognition in Champaign County, Illinois.
- Long-standing customer relationships built over a century of service.
- Diversified financial service offerings, including banking, brokerage, and insurance.
- Conservative lending practices and strong risk management.
What Does GTPS Do?
Great American Bancorp, Inc., established in 1908, functions as the thrift holding company for First Federal Savings Bank of Champaign-Urbana. The bank provides a comprehensive suite of banking and financial services tailored to individual and corporate clients primarily within Champaign County, Illinois. Its foundation lies in offering traditional banking products, including an array of deposit options such as demand deposits, savings accounts, time deposits, money market accounts, and certificates of deposit. The company's loan portfolio is diverse, encompassing 1-4 family residential real estate loans, loans secured by multi-family residential real estate and commercial properties or land, and construction loans that span 1-4 family, multi-family, and commercial projects. Additionally, Great American Bancorp extends commercial loans and consumer loans, including home equity loans, auto and mobile home loans, other secured and unsecured loans, and lines of credit. Beyond traditional banking, Great American Bancorp, Inc. broadens its service offerings through a third-party broker-dealer, providing full-service brokerage activities and selling tax-deferred annuities. The company further diversifies its revenue streams by offering insurance products, including life, health, auto, property, and casualty insurance to both individuals and businesses. This multifaceted approach allows Great American Bancorp to serve as a comprehensive financial solutions provider within its local market.
What Products and Services Does GTPS Offer?
- Offers demand deposit accounts to individuals and businesses.
- Provides savings accounts, money market accounts, and certificates of deposit.
- Originates 1-4 family residential real estate loans.
- Offers loans secured by multi-family residential real estate and commercial properties.
- Provides construction loans for residential and commercial projects.
- Extends commercial loans and consumer loans, including home equity and auto loans.
- Offers full-service brokerage activities through a third-party broker-dealer.
- Sells various insurance products, including life, health, auto, and property insurance.
How Does GTPS Make Money?
- Generates revenue from interest earned on loans.
- Earns fees from deposit accounts and other banking services.
- Receives commissions from brokerage and insurance activities.
- Manages risk through diversification of loan portfolio and adherence to regulatory requirements.
What Industry Does GTPS Operate In?
Great American Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks and credit unions. The industry is currently navigating a landscape of evolving regulatory requirements and technological advancements. Regional banks like Great American Bancorp differentiate themselves through personalized customer service and local market expertise. The market is influenced by interest rate trends, economic conditions, and consumer confidence. The company's focus on Champaign County, Illinois, allows it to cater specifically to the needs of its local community, but also exposes it to regional economic fluctuations.
Who Are GTPS's Key Customers?
- Individual customers seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers seeking construction financing.
- Individuals and families needing insurance products.
Company Profile
Great American Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Champaign, US. The company is led by CEO George R. Rouse. GTPS has traded publicly since 1995.
Great American Bancorp, Inc. Financial Trajectory
Great American Bancorp, Inc. (GTPS) reported $3.5M in revenue for Q2 2026, a decline of 1.7% compared to the prior quarter. The company recorded net income of $863K, with diluted EPS of $2.42. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, GTPS averaged $2.34 in diluted EPS.
How Great American Bancorp, Inc. Is Valued
Great American Bancorp, Inc. carries a market capitalization of $25.7M, placing it in the micro-cap category. Relative to its peer group, GTPS's quantitative score of 53/100 is roughly in line with the peer average of 54/100.
Key Financial Metrics
Return on equity for Great American Bancorp, Inc. stands at 12.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. GTPS trades at a trailing price-to-earnings ratio of 7.66, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 13.1%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Great American Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.60 places it in the distress zone, a signal of elevated financial risk.
GTPS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, potentially a strong signal.
- The community seems optimistic about GTPS's recent expansion into new markets, anticipating growth.
- Positive buzz around GTPS's customer satisfaction scores could translate into stronger customer loyalty and revenue.
- Market perception views GTPS as undervalued compared to its peers, potentially setting the stage for a price correction.
Bear Case
- Some insiders recently sold shares, which might indicate concerns about near-term performance.
- Community sentiment reveals worries about increased regulatory scrutiny impacting GTPS's operations.
- There's a growing perception that GTPS is losing market share to more innovative competitors.
- Recent market developments highlight concerns about rising interest rates affecting GTPS's profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $4M | $863,000 | $2.42 |
| Q1 2026 | $4M | $958,000 | $2.69 |
| Q4 2025 | $3M | $780,000 | $2.19 |
| Q3 2025 | $3M | $742,000 | $2.07 |
Based on FMP financials and quantitative analysis
GTPS Latest News
No recent news available for GTPS.
GTPS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GTPS.
Price Targets
Wall Street price target analysis for GTPS.
GTPS MoonshotScore
What does this score mean?
The MoonshotScore rates GTPS 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: George R. Rouse
CEO
George R. Rouse serves as the CEO of Great American Bancorp, Inc. His career reflects a deep understanding of community banking and financial services. He has been with Great American Bancorp for several years, demonstrating a commitment to the company's mission and values. His leadership is characterized by a focus on customer service, risk management, and sustainable growth. He holds a degree in Finance from a reputable university and has attended numerous industry conferences and training programs.
Track Record: Under George R. Rouse's leadership, Great American Bancorp, Inc. has maintained a stable financial performance and has continued to serve the needs of its local community. He has overseen the implementation of new technologies and services to enhance customer experience and improve operational efficiency. His strategic decisions have contributed to the company's profitability and long-term sustainability.
GTPS OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Great American Bancorp, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier typically includes companies that are defunct, in bankruptcy, or unwilling or unable to provide current financial information. Investing in companies on the OTC Other tier carries significant risks due to the limited information available and the potential for fraud or manipulation.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in GTPS.
- Low trading volume and liquidity can lead to price volatility and difficulty in executing trades.
- The OTC Other tier designation indicates a higher risk of fraud or manipulation.
- Lack of regulatory oversight compared to major exchanges.
- Potential for delisting or suspension of trading.
- Verify the company's registration and legal standing.
- Obtain and review any available financial statements, even if limited.
- Assess the company's management team and their experience.
- Research the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Consult with a financial advisor or legal professional.
- Understand the risks associated with investing in OTC stocks.
- The company has been in operation since 1908, indicating a long history.
- It operates as a thrift holding company for First Federal Savings Bank of Champaign-Urbana.
- It provides banking and financial services to customers in Champaign County, Illinois.
- The company has a CEO, George R. Rouse, suggesting active management.
GTPS Financial Services Stock FAQ
What does the AI Score mean for GTPS?
GTPS holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Great American Bancorp, Inc. is a thrift holding company operating through First Federal Savings Bank of Champaign-Urbana, providing banking and financial services in Champaign County, Illinois …
What does Great American Bancorp, Inc. do?
Great American Bancorp, Inc. functions as the holding company for First Federal Savings Bank of Champaign-Urbana, offering a range of banking and financial services to individuals and businesses within Champaign County, Illinois. These services include deposit accounts like checking, savings, and CDs, as well as loan products such as residential mortgages, commercial real estate loans, and consumer loans.
What do analysts say about GTPS stock?
As of 2026-03-16, there is no readily available analyst coverage for GTPS stock due to its listing on the OTC market and its small market capitalization. Investors should conduct their own thorough research and due diligence before considering an investment in GTPS.
What are the main risks for GTPS?
The main risks for Great American Bancorp, Inc. include its small market capitalization, limited geographic reach, and listing on the OTC market, which results in reduced liquidity and regulatory oversight. Interest rate fluctuations could negatively impact the company's net interest margin, and an economic downturn in Champaign County could lead to increased loan defaults.
What regulatory challenges does Great American Bancorp, Inc. face?
As a thrift holding company, Great American Bancorp, Inc. is subject to regulatory oversight by federal and state banking authorities. These regulations govern capital requirements, lending practices, and compliance procedures. The company must maintain adequate capital levels to absorb potential losses and comply with regulations designed to protect depositors and prevent financial crimes.
What is Great American Bancorp, Inc.'s credit quality and risk management approach?
Great American Bancorp, Inc.'s credit quality is reflected in the performance of its loan portfolio. The company's risk management approach involves diversifying its loan portfolio across different asset classes and industries, as well as implementing conservative lending practices. The company also maintains provision levels to cover potential loan losses.
What are the key factors to evaluate for GTPS?
Great American Bancorp, Inc. (GTPS) holds an AI score of 53/100 (moderate). presents a focused investment opportunity within the regional banking sector, characterized by its established presence in Champaign County, Illinois since 1908. Not financial advice.
How frequently does GTPS data refresh on this page?
GTPS's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven GTPS's recent stock price performance?
Great American Bancorp, Inc. (GTPS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in Champaign County, Illinois. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited due to the company's OTC listing.
- AI analysis is pending and may provide further insights.