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Upturn AI SWOT - About
GSBC 
Great Southern Bancorp Inc (GSBC)
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Upturn Advisory Summary
03/27/2025: GSBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -23.41% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 645.54M USD | Price to earnings Ratio 10.58 | 1Y Target Price 63.67 |
Price to earnings Ratio 10.58 | 1Y Target Price 63.67 | ||
Volume (30-day avg) 34024 | Beta 0.64 | 52 Weeks Range 48.36 - 67.08 | Updated Date 04/2/2025 |
52 Weeks Range 48.36 - 67.08 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.86% | Basic EPS (TTM) 5.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.84% | Operating Margin (TTM) 35.28% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 10.55% |
Valuation
Trailing PE 10.58 | Forward PE 12.12 | Enterprise Value 1155002496 | Price to Sales(TTM) 3.01 |
Enterprise Value 1155002496 | Price to Sales(TTM) 3.01 | ||
Enterprise Value to Revenue 3.41 | Enterprise Value to EBITDA - | Shares Outstanding 11600000 | Shares Floating 8219352 |
Shares Outstanding 11600000 | Shares Floating 8219352 | ||
Percent Insiders 26.71 | Percent Institutions 45.59 |
Analyst Ratings
Rating 3 | Target Price 64.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Great Southern Bancorp Inc
Company Overview
History and Background
Great Southern Bancorp, Inc. was founded in 1923 as a building and loan association. It evolved into a full-service commercial bank, expanding its operations through organic growth and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides personal checking and savings accounts, mortgage loans, consumer loans, and other retail banking services to individuals.
- Wealth Management: Offers wealth management and financial planning services through its subsidiary, Great Southern Financial Services.
Leadership and Structure
The company is led by its CEO and President, Joseph P. Turner. It has a board of directors overseeing the company's strategic direction. Great Southern operates through a network of banking centers and a holding company structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial real estate loans, business loans, and lines of credit. Competitors include other regional and national banks, such as UMB Financial Corporation and Commerce Bancshares, Inc. Market share data specific to product is not publicly available, however the loan portfolio makes up 60% of gross revenue.
- Mortgage Loans: Residential mortgage loans for home purchase and refinance. Competitors include national mortgage lenders and other regional banks. Market share data specific to product is not publicly available, however residential real estate makes up 25% of gross revenue.
- Deposit Accounts: Checking, savings, money market, and certificate of deposit accounts. Competitors include online banks and other regional banks. Market share data specific to product is not publicly available, however this contributes to the overall profitability by providing a low cost source of funding.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Great Southern Bancorp, Inc. is a regional bank focused on serving the needs of businesses and individuals in its markets. Its competitive advantages include its strong local presence, experienced management team, and commitment to customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in Great Southern's geographic footprint is estimated to be $50 billion. Great Southern is positioned to capture a portion of this market through its branch network and online banking platforms.
Upturn SWOT Analysis
Strengths
- Strong capital base
- Experienced management team
- Established branch network
- Good asset quality
- Diversified loan portfolio
Weaknesses
- Limited geographic footprint
- Dependence on net interest income
- Relatively small market capitalization
- Higher efficiency ratio than peers
- Lack of diversification of sources of funding
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Acquisition of smaller banks
- Growth in wealth management business
- Increasing focus on cost efficiencies
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Credit risk
Competitors and Market Share
Key Competitors
- UMB Financial Corporation (UMBF)
- Commerce Bancshares, Inc. (CBSH)
- MidFirst Bank (Private)
Competitive Landscape
Great Southern Bancorp, Inc. competes with other regional and national banks in its markets. Its advantages include its strong local presence and commitment to customer service. Disadvantages include its limited geographic footprint and smaller market capitalization.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Great Southern Bancorp, Inc. has grown steadily through organic growth and strategic acquisitions. Revenue growth has been driven by increased lending activity and deposit growth.
Future Projections: Analysts expect Great Southern Bancorp, Inc. to continue to grow at a moderate pace. Revenue growth is projected to be in the 3-5% range, and EPS growth is expected to be in the 5-7% range.
Recent Initiatives: Recent initiatives include expanding its digital banking platform and focusing on commercial lending opportunities in its markets.
Summary
Great Southern Bancorp, Inc. is a financially stable regional bank with a solid track record. Its strengths include a strong capital base and experienced management. Its limited geographic footprint and dependence on net interest income are potential weaknesses. The company is well-positioned to capitalize on growth opportunities in its markets.
Similar Companies
CBSH
Commerce Bancshares Inc
CBSH
Commerce Bancshares Inc
CFR
Cullen/Frost Bankers Inc
CFR
Cullen/Frost Bankers Inc
OZK
Bank Ozk
OZK
Bank Ozk
UMBF
UMB Financial Corporation
UMBF
UMB Financial Corporation
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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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