Descripción de la empresa
Great Southern Bancorp, Inc. operates as a bank holding company that oversees Great Southern Bank, providing a comprehensive range of financial services across the states of Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas. The institution functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized community banking rather than nationwide operations. The company maintains a market capitalization of $729.76M and employs a workforce of 857 individuals to support its regional footprint. With an annual revenue of $229.24M, these valuation and operational metrics indicate that the entity holds a moderate scale within the regional banking landscape, reflecting a business model that relies on steady, localized deposits and lending activities rather than massive corporate scale.
Salud financiera
The company reported a total revenue of $229.24M for the trailing twelve months, generating a net income of $70.97M, while the EBITDA figure is not available for this specific reporting period. The substantial gap between the reported revenue of $229.24M and the net income of $70.97M reveals a significant operational cost structure, where expenses such as personnel costs, technology infrastructure, and regulatory compliance consume a large portion of gross revenue before reaching the bottom line. Although free cash flow data is not disclosed, the analysis must note that this metric is unavailable, which limits the immediate assessment of operational cash generation flexibility outside of reported earnings. The company exhibits a gross margin of 0.0%, a standard characteristic for banking institutions where interest income and expense are netted, followed by an operating margin of 37.0% that highlights efficient internal management of operational costs, and a profit margin of 31.0% that demonstrates the effectiveness of converting revenue into net earnings. Regarding liquidity, the company holds $195.22M in cash against $420.64M in total debt, indicating a leveraged balance sheet where debt obligations exceed liquid cash reserves; however, the debt-to-equity ratio is not available to provide a precise leverage multiple, and the current ratio is also not available, meaning short-term liquidity relative to current liabilities cannot be quantified via this specific metric. Return on Equity stands at 11.5%, indicating that the company generates over 11 cents of profit for every dollar of shareholder equity, while Return on Assets is 1.2%, reflecting the efficiency with which the company utilizes its total asset base to generate income.
Evaluación de valoración
The trailing twelve-month P/E ratio is 10.54, while the forward P/E is 12.03, suggesting that the market anticipates earnings growth that will take the price-to-earnings multiple higher in the future relative to current earnings. The price-to-book ratio is 1.13, indicating that the market values the company at a slight premium over its tangible book value, which is typical for financial institutions with solid asset quality. Alternative valuation metrics include a price-to-sales ratio of 3.18 and an EV/EBITDA that is not available, providing limited data points for cross-comparison with peers that utilize enterprise value measures. The stock has traded between a 52-week low of $49.31 and a 52-week high of $67.70, establishing a trading range of $18.39 where the current price position can be contextualized against these historical extremes to assess relative valuation within the recent trading cycle. The beta value of 0.48 indicates that the stock exhibits significantly lower price volatility than the broader market, moving with roughly half the intensity of a standard market benchmark, which offers a defensive characteristic for portfolios seeking stability.
Growth & Income
Revenue growth year-over-year is 1.0%, while earnings growth year-over-year is 15.0%, demonstrating that the company's profitability is expanding at a rate substantially faster than its top-line revenue generation. The dividend yield is 2.6% with a payout ratio of 26.8%, indicating that the company distributes a small fraction of its earnings to shareholders, leaving ample room to retain capital for growth initiatives or to weather potential downturns in the banking sector. Because the payout ratio is low at 26.8%, the company maintains a highly sustainable dividend profile that is unlikely to face pressure from fluctuating earnings, allowing for potential future increases if performance improves. Overall, the growth and income profile reflects a mature regional bank with modest revenue expansion but robust earnings acceleration and a conservative, sustainable approach to dividend distribution.