企業概要
Great Southern Bancorp, Inc. functions as a bank holding company that oversees Great Southern Bank, offering a comprehensive suite of financial services to customers across Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas. The firm operates within the Financial Services sector, specifically categorized under the Banks - Regional industry, which implies a focus on localized lending and deposit-taking activities rather than national-scale operations. The company employs 857 individuals and maintains a total market capitalization of $763.78M, with an annual revenue (TTM) of $229.24M. These financial figures indicate that the entity holds a mid-tier position within the regional banking landscape, reflecting a stable operational scale supported by a substantial cash reserve of $195.22M relative to its overall revenue generation capabilities.
財務健全性
The company reported a revenue of $229.24M and a net income of $70.97M for the trailing twelve months, while the EBITDA figure is not available for citation in the provided data. The significant disparity between the total revenue and net income reveals a cost structure where operating expenses consume a considerable portion of top-line earnings, leaving a net profit margin of 31.0%. Free cash flow metrics are not available for this specific reporting period, meaning external analysis cannot definitively quantify the immediate cash conversion efficiency or short-term liquidity flexibility derived from operations. The gross margin stands at 0.0%, which is characteristic of the banking industry where interest income and expenses are netted directly rather than treated as a traditional manufacturing gross profit. In contrast, the operating margin of 37.0% and the profit margin of 31.0% demonstrate that the bank successfully manages its overhead and non-interest expenses to convert a substantial amount of revenue into retained earnings. Regarding leverage, the total debt stands at $420.64M against a cash balance of $195.22M, while the debt-to-equity ratio is not listed; this imbalance suggests a balance sheet that relies heavily on borrowed funds relative to its liquid cash holdings. The current ratio is not available for citation, preventing a direct assessment of short-term liquidity coverage using this specific metric. Return on Equity is recorded at 11.5%, indicating that shareholders are receiving a robust return on their invested capital, while the Return on Assets sits at 1.2%, which reflects the inherent low-yield nature of asset-heavy banking models compared to the higher ROE.
バリュエーション評価
The stock trades with a trailing P/E ratio of 10.82 and a forward P/E ratio of 12.59, suggesting that the market anticipates a slowdown in earnings growth or a re-rating of expectations as the forward multiple widens relative to the historical trailing performance. The price-to-book ratio is 1.19, indicating that the market values the company at a slight premium over its tangible book value, reflecting confidence in the quality of its loan portfolio and intangible assets. Alternative valuation metrics such as the price-to-sales ratio of 3.33 are available, whereas the EV/EBITDA multiple is not applicable for this entity given the lack of EBITDA data. The 52-week high is $68.74 and the 52-week low is $49.31, and without a specific current share price provided in the facts, the precise trading percentage relative to this range cannot be calculated, though the range defines the volatility band for the past year. The beta is 0.48, which signifies that the stock price exhibits significantly lower volatility than the broader market, making it a less sensitive instrument to general market fluctuations compared to large-cap equities.
Growth & Income
Revenue growth stands at 1.0% year-over-year, while earnings growth is recorded at 15.0% year-over-year, implying that the company is leveraging operational efficiencies or margin expansion to grow profits at a pace substantially faster than its top-line revenue. As a dividend payer, the company offers a dividend yield of 2.5% with a payout ratio of 26.8%, suggesting that the dividend payments are highly sustainable and cover only a fraction of the generated earnings, leaving ample room for reinvestment. The low payout ratio further confirms that the company retains a majority of its earnings to strengthen its capital base and potentially fuel future organic growth initiatives rather than distributing all profits to shareholders. Overall, the growth and income profile presents a hybrid characteristic of steady, single-digit revenue expansion coupled with double-digit earnings acceleration and a conservative, sustainable dividend strategy that protects shareholder income while prioritizing internal capital accumulation.