Company Overview
Great Southern Bancorp, Inc. functions as a bank holding company that facilitates a diverse range of financial services for customers located in Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas. The firm operates within the Financial Services sector, specifically categorized under the Banks - Regional industry, which distinguishes its focus on localized banking operations rather than nationwide or international reach. The company's current market capitalization stands at $694.85M, and it employs a workforce of 857 individuals to support its regional banking activities. These valuation and revenue figures, combined with a trailing twelve-month revenue of $229.24M, indicate that Great Southern Bancorp, Inc. maintains a mid-sized position within the regional banking landscape, reflecting a substantial yet contained asset base relative to larger national financial institutions.
Financial Health
Great Southern Bancorp, Inc. reported a revenue of $229.24M for the trailing twelve months, generated net income of $70.97M, and has an EBITDA metric listed as N/A. The significant gap between the total revenue of $229.24M and the net income of $70.97M reveals a cost structure where operating expenses and provisions for loan losses consume approximately 69% of top-line earnings, which is typical for banking institutions where cost of funds and administrative costs are high. While the company holds cash reserves of $195.22M, the free cash flow metric is unavailable, meaning external analysis cannot directly quantify the cash generated after capital expenditures without relying on proxy metrics. The gross margin is recorded at 0.0%, which is standard for financial service providers as their primary cost is the cost of funds rather than manufacturing or raw materials. The operating margin sits at 37.0%, indicating efficient management of core banking operations before interest and taxes, while the profit margin of 31.0% demonstrates the company's ability to retain a significant portion of revenue after all expenses. On the liability side, the company has total debt of $420.64M, which exceeds its cash position of $195.22M, but the debt-to-equity ratio is not available to fully assess leverage intensity. The current ratio is also unavailable, preventing a direct calculation of short-term liquidity based solely on current assets versus current liabilities. Return on Equity stands at 11.5%, suggesting that shareholders are receiving a solid return relative to the equity invested, while Return on Assets is 1.2%, reflecting the lower-yield nature of typical bank assets compared to the equity capital base.
Valuation Assessment
The trailing twelve-month P/E ratio is 10.03, while the forward P/E ratio is projected at 11.46. The difference between the trailing and forward P/E ratios implies that the market expects earnings growth in the coming year, as the forward multiple is higher than the historical average, suggesting anticipated expansion in profitability. The price-to-book ratio is 1.08, which indicates that the stock trades at a slight premium over its book value, reflecting market confidence in the quality of the bank's asset portfolio and future earnings potential. Alternative valuation metrics include a price-to-sales ratio of 3.03 and an EV/EBITDA of N/A, where the P/S ratio suggests the market values the company based on its revenue generation capabilities rather than just earnings per share. The 52-week high is $67.70 and the 52-week low is $47.57, and without a specific current price provided in the source facts, the trading range establishes the volatility floor and ceiling for the stock over the past year. The beta value is 0.51, indicating that the stock price is less volatile than the broader market, moving at roughly half the magnitude of market swings.
Growth & Income
Revenue growth year-over-year is 1.0%, whereas earnings growth year-over-year is 15.0%. This divergence implies that earnings are growing significantly faster than revenue, likely driven by improved operational efficiency, cost controls, or higher net interest margins rather than an expansion of the total loan or deposit portfolio. For investors focused on income, the company offers a dividend yield of 2.8% with a payout ratio of 26.8%. The low payout ratio of 26.8% relative to the net income suggests that the dividend is highly sustainable, as the company retains the majority of its earnings to bolster capital reserves and fund organic growth initiatives. Given that the dividend yield is available, the company is an active dividend payer rather than one that reinvests all earnings, though the high retention rate still allows for significant internal growth. Overall, the growth and income profile presents a balanced case with moderate revenue expansion accelerating into strong earnings growth, supported by a conservative and highly sustainable dividend policy.