Great Southern Bancorp

GSBC

Banks - Regional · Financial Services

Price

$78.25

-1.86 (-2.32%)

Market Cap

$852.4M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−16.7% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 13.7M (2021) → 11.4M (2025)

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its 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. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, comm

Winston Score History

Score breakdown

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Quality

Gross Margin

67.9%

Premium pricing power — 67.9% gross margin

Operating Margin

19.0%

Healthy — 19.0% operating margin

ROCE

1.2%

Weak — 1.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-8.4%

Shrinking sales (-8.4% YoY)

EPS YoY

+12.7%

Earnings growing (12.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

118%

Turns 118% of profit into real cash

FCF Margin

22.3%

Converts sales into free cash efficiently (22.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.84

Moderate — manageable debt (0.84)

Interest Cover

0.75x

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.4x

Attractive valuation — P/E 12.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

-1.5

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

2.18%

Moderate income — 2.18% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+7.5%

Dividend growing modestly (7.5% YoY)

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