Great Southern Bancorp, Inc. (GSBC)
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 Southern Bancorp, Inc. (GSBC) trades at $78.95 with AI Score 91/100 (Grade A+). Great Southern Bancorp, Inc. is a regional bank holding company providing financial services across several states. Market cap: $860.02M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for GSBC: GSBC 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 GSBC against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
GSBC: 5/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Great Southern Bancorp, Inc. (GSBC) Financial Services Profile
Great Southern Bancorp, Inc., founded in 1923, operates as a regional bank holding company, offering a comprehensive suite of deposit and loan products. With a focus on traditional banking services, the company maintains a significant presence in the Midwest and South Central U.S., evidenced by its network of retail banking centers and ATMs.
What Is the Investment Thesis for GSBC?
Great Southern Bancorp presents a stable investment opportunity within the regional banking sector. With a P/E ratio of 11.6 and a dividend yield of 2.42%, the company offers a blend of value and income. A profit margin of 21.7% indicates efficient operations. Growth catalysts include expansion into new markets and increased adoption of digital banking services. Potential risks involve interest rate sensitivity and regulatory changes impacting the banking industry. The company's beta of 0.48 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
GSBC Key Highlights
- Market capitalization of $860.02M indicates a solid mid-cap valuation.
- Profit margin of 21.7% demonstrates efficient profitability within the banking sector.
- Gross margin of 67.7% reflects a strong ability to manage costs associated with its financial products and services.
- Dividend yield of 2.42% provides a steady income stream for investors.
- Beta of 0.48 suggests lower volatility compared to the overall market, indicating a relatively stable investment.
Who Are GSBC's Competitors?
GSBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| OZK Bank OZK | $49.65 | -0.38% | 6B | 91 |
| HBAN Huntington Bancshares Incorporated | $17.89 | +0.17% | $36.27B | 68 |
| CMA Comerica Incorporated | $88.67 | -4.51% | $11.35B | 48 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LRBI Lake Ridge Bancorp Inc. | $143.25 | +0.00% | $281.73M | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GSBC's Key Strengths?
- Strong regional presence in multiple states.
- Diversified loan portfolio.
- Established history and reputation.
- Solid deposit base.
What Are GSBC's Weaknesses?
- Limited geographic diversification.
- Reliance on traditional banking services.
- Exposure to interest rate risk.
- Competition from larger national banks.
What Could Drive GSBC Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract younger customers.
- Strategic acquisitions of smaller banks to expand market share.
- Growth in commercial lending to small and medium-sized businesses.
What Are the Key Risks for GSBC?
- Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Insider selling — insiders were net sellers of roughly $1.2M recently.
- Economic downturns could lead to increased loan defaults.
- Rising interest rates could negatively impact loan demand.
- Increased regulatory scrutiny could increase compliance costs.
- Cybersecurity threats could compromise customer data and disrupt operations.
- Competition from larger national banks could erode market share.
What Are the Growth Opportunities for GSBC?
- Expansion into Adjacent Markets: Great Southern can grow by expanding its physical and digital presence into adjacent markets within its existing geographic footprint. This includes targeting underserved communities and offering specialized financial products tailored to their needs. The market size for community banking in the U.S. is estimated at $2.8 trillion in assets, providing a substantial opportunity for growth. Timeline: Ongoing.
- Increased Adoption of Digital Banking Services: Investing in and promoting digital banking services can attract younger customers and improve operational efficiency. This includes mobile banking, online account management, and digital loan applications. The global digital banking market is projected to reach $1.61 trillion by 2027, growing at a CAGR of 8.4%. Timeline: Ongoing.
- Strategic Acquisitions: Great Southern can pursue strategic acquisitions of smaller banks or credit unions to expand its market share and geographic reach. This can provide access to new customer bases and synergistic cost savings. The value of M&A deals in the U.S. banking sector reached $27.7 billion in 2023, indicating a viable pathway for growth. Timeline: Ongoing.
- Enhanced Commercial Lending: Focusing on commercial lending to small and medium-sized businesses (SMBs) can drive revenue growth. This includes offering tailored loan products, lines of credit, and other financial services to support SMB expansion. The U.S. SMB lending market is estimated at $800 billion annually, presenting a significant growth opportunity. Timeline: Ongoing.
- Wealth Management Services: Expanding wealth management services can generate fee income and diversify revenue streams. This includes offering financial planning, investment management, and trust services to high-net-worth individuals and families. The global wealth management market is projected to reach $145.7 trillion by 2030, growing at a CAGR of 6.7%. Timeline: Ongoing.
What Opportunities Does GSBC Have?
- Expansion into new markets.
- Increased adoption of digital banking services.
- Strategic acquisitions.
- Growth in wealth management services.
What Threats Does GSBC Face?
- Economic downturns.
- Increased regulatory scrutiny.
- Rising interest rates.
- Cybersecurity risks.
What Are GSBC's Competitive Advantages?
- Established regional presence with a strong local brand.
- Diversified loan portfolio reduces risk.
- Extensive network of retail banking centers and ATMs.
- Long-standing customer relationships.
What Does GSBC Do?
Great Southern Bancorp, Inc., established in 1923 and headquartered in Springfield, Missouri, functions as the bank holding company for Great Southern Bank. The company provides a diverse array of financial services, including deposit accounts such as regular savings, checking, money market, and individual retirement accounts. Its loan portfolio encompasses residential and commercial real estate, construction, commercial business, home improvement, and various consumer loans. Great Southern also offers insurance and merchant banking services. Over the years, Great Southern has expanded its footprint, now operating 93 retail banking centers and approximately 200 ATMs across Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas. Additionally, it maintains six commercial and one mortgage loan production offices in strategic locations like Atlanta, Chicago, Dallas, Denver, Omaha, Phoenix, Tulsa, and Springfield. This extensive network allows Great Southern to serve a broad customer base and support local economies within its operating regions. The bank's commitment to traditional banking values, coupled with its strategic expansion, positions it as a key player in the regional banking sector.
What Products and Services Does GSBC Offer?
- Offers regular savings accounts and checking accounts.
- Provides money market accounts and certificates of deposit.
- Originates residential and commercial real estate loans.
- Provides construction and commercial business loans.
- Offers home improvement and consumer loans.
- Provides insurance services.
- Provides merchant banking services.
How Does GSBC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other services.
- Manages risk through diversification of loan portfolio.
- Expands market reach through retail banking centers and ATMs.
What Industry Does GSBC Operate In?
Great Southern Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by macroeconomic factors such as interest rates and economic growth. Regulatory compliance and technological advancements also play significant roles. Great Southern's focus on traditional banking services and its regional presence position it to capitalize on local market opportunities. The U.S. banking industry is projected to reach $947.41 billion in 2026, growing at a CAGR of 6.49%.
Who Are GSBC's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing construction financing.
- High-net-worth individuals seeking wealth management services.
Net sellingInsider Activity
Over the past six months, Great Southern Bancorp, Inc. insiders filed 30 SEC Form 4 transactions — 15 sales and 15 purchases. On net that is roughly 17K shares disposed (about $1.2M), a signal worth weighing alongside the fundamentals.
GSBC Valuation & Market Position
With a $860.02M market cap, Great Southern Bancorp, Inc. sits in the small-cap segment of the market. Relative to its peer group, GSBC's quantitative score of 91/100 is above the peer average of 69/100.
ROE 11%Key Financial Metrics
Return on equity for Great Southern Bancorp, Inc. stands at 11.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. GSBC trades at a trailing price-to-earnings ratio of 11.62, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.24 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.5%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Great Southern Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Great Southern Bancorp, Inc. revenue of about $220.8M for fiscal 2026, with EPS near $5.70.
Company Profile
Great Southern Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Springfield, US. The company is led by CEO Joseph William Turner. GSBC has traded publicly since 1989.
GSBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe the stock is undervalued.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong customer service and local market presence.
- The company has been praised for its solid loan growth, which could enhance revenue streams and profitability moving forward.
- Recent developments in regional economic conditions appear favorable, potentially benefiting the bank's operations and growth prospects.
Bear Case
- Concerns over rising interest rates have led to skepticism about the bank's ability to maintain margins, impacting overall profitability.
- Social sentiment has shown some caution, with discussions around potential regulatory challenges that could affect operations.
- Some community members express worries about the competitive landscape, particularly from larger banks that may overshadow GSBC's growth.
- Recent earnings reports have raised questions about loan performance, suggesting potential risks in asset quality that could affect investor confidence.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GSBC Latest News
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Great Southern Bancorp (GSBC) Upgraded to Strong Buy: Here's Why
zacks.com · Jun 5, 2026
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Undiscovered Gems in the US Market to Explore This May 2026
Yahoo! Finance: GSBC News · May 22, 2026
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Best Income Stocks to Buy for May 19th
zacks.com · May 19, 2026
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Great Southern Bancorp, Inc. (GSBC) Shareholder/Analyst Call Prepared Remarks Transcript
seekingalpha.com · May 13, 2026
GSBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GSBC.
Price Targets
Wall Street price target analysis for GSBC.
GSBC MoonshotScore
What does this score mean?
The MoonshotScore rates GSBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Great Southern Bancorp (GSBC) Upgraded to Strong Buy: Here's Why
Undiscovered Gems in the US Market to Explore This May 2026
Best Income Stocks to Buy for May 19th
Great Southern Bancorp, Inc. (GSBC) Shareholder/Analyst Call Prepared Remarks Transcript
Latest Great Southern Bancorp, Inc. Analysis
Leadership: Joseph William Turner
CEO
Joseph William Turner serves as the CEO of Great Southern Bancorp, Inc. His career spans several decades in the financial services industry, with a focus on community banking and regional development. Turner has held various leadership positions within Great Southern, contributing to the company's strategic growth and operational efficiency. He is actively involved in community initiatives and serves on several boards, demonstrating his commitment to local economic development. Turner's expertise lies in strategic planning, risk management, and customer relationship management.
Track Record: Under Joseph William Turner's leadership, Great Southern Bancorp has maintained a consistent track record of profitability and growth. He has overseen the expansion of the company's branch network and the implementation of new technologies to enhance customer service. Turner has also guided the company through periods of economic uncertainty, ensuring its financial stability and resilience. His strategic decisions have contributed to Great Southern's strong market position in the regional banking sector.
What Investors Ask About Great Southern Bancorp, Inc. (GSBC) — Financial Services
What does Great Southern Bancorp, Inc. do?
Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank, providing a range of financial services. These include deposit products like savings, checking, and money market accounts, as well as loan products such as residential and commercial real estate loans, construction loans, and consumer loans. The company operates through a network of retail banking centers and loan production offices across several states, focusing on serving individuals, small businesses, and commercial clients within its regional footprint.
What do analysts say about GSBC stock?
Analyst coverage of Great Southern Bancorp, Inc. (GSBC) typically focuses on its regional banking performance, asset quality, and profitability metrics. Key valuation metrics such as the P/E ratio and dividend yield are closely monitored. Growth considerations include the company's ability to expand its loan portfolio, manage interest rate risk, and adapt to changing regulatory requirements. Analyst consensus generally reflects a neutral to positive outlook, contingent on the company's ability to maintain its financial stability and capitalize on growth opportunities within its operating regions.
What are the main risks for GSBC?
Great Southern Bancorp, Inc. faces several key risks inherent to the banking industry. These include interest rate risk, which can impact net interest margin, credit risk associated with loan defaults, and regulatory risk related to compliance with banking regulations. Economic downturns in its operating regions could also negatively affect loan demand and asset quality. Additionally, cybersecurity threats pose a risk to customer data and operational stability. Effective risk management and diversification are critical for mitigating these potential challenges.
What are the key factors to evaluate for GSBC?
Great Southern Bancorp, Inc. (GSBC) holds an AI score of 91/100 (high). P/E: 11.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does GSBC data refresh on this page?
GSBC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GSBC's recent stock price performance?
Great Southern Bancorp, Inc. (GSBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in multiple states. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GSBC overvalued or undervalued right now?
Great Southern Bancorp, Inc. (GSBC) trades at 11.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GSBC?
Before investing in Great Southern Bancorp, Inc. (GSBC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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 company data and market analysis.
- Financial metrics are as of the latest reporting period.