Great Southern Bancorp, Inc. (GSBC) 주식 분석

회사 개요

Great Southern Bancorp, Inc. operates primarily as a bank holding company that facilitates the provision of a comprehensive suite of financial services across the states of Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas. This entity functions within the Financial Services sector, specifically classified under the Banks - Regional industry, which implies a focus on serving local communities and regional economic needs rather than nationwide operations. The company's scale is defined by a market capitalization of $763.78M and an annual revenue of $229.24M, supported by a workforce of 857 employees. These valuation and revenue figures indicate that Great Southern Bancorp, Inc. holds a significant but regional position within the banking landscape, reflecting a moderate size typical of specialized regional lenders rather than large national institutions.

재무 건전성

The company reported a trailing twelve-month revenue of $229.24M and a corresponding net income of $70.97M, while EBITDA data is not available for this specific reporting period. The substantial gap between the total revenue of $229.24M and the net income of $70.97M reveals a cost structure where operational expenses and interest costs consume a significant portion of gross earnings before arriving at the final profit figure. Although free cash flow is not explicitly listed in the provided data, the cash position of $195.22M suggests a liquidity buffer that supports ongoing operations without immediate reliance on external financing. The company's margin profile shows a gross margin of 0.0%, which is standard for financial institutions where revenue is net interest income, an operating margin of 37.0%, and a profit margin of 31.0%. These margin levels indicate efficient cost management relative to the scale of lending operations, as the operating margin demonstrates that more than a third of revenue remains after covering operating expenses. Regarding leverage, the total cash of $195.22M is lower than the total debt of $420.64M, and while the debt-to-equity ratio is not provided, the capital structure involves a mix of funding sources typical for banking. The current ratio is not available in the dataset, preventing a direct assessment of short-term liquidity via this specific metric, though the cash on hand provides immediate liquidity coverage. Management effectiveness is highlighted by a Return on Equity of 11.5% and a Return on Assets of 1.2%, metrics that demonstrate the company's ability to generate returns on shareholder capital and total assets respectively.

밸류에이션 평가

The valuation metrics for Great Southern Bancorp, Inc. show a P/E Ratio (TTM) of 10.82 and a Forward P/E of 12.59. The difference between the trailing P/E of 10.82 and the forward P/E of 12.59 implies that the market expects earnings to grow at a rate that would justify a higher multiple in the coming year, suggesting anticipated improvements in profitability. The Price to Book ratio stands at 1.19, indicating that the stock trades at a slight premium over its book value, reflecting investor confidence in the quality of the company's assets and future earnings potential. Alternative valuation measures include a Price to Sales ratio of 3.33 and an EV/EBITDA of N/A, which suggests that analysts may rely more heavily on revenue-based multiples given the lack of EBITDA data for banking comparisons. The stock's trading range is bounded by a 52-Week High of $68.74 and a 52-Week Low of $49.31, providing a context for price volatility and historical support/resistance levels. The Beta value of 0.48 indicates that the stock's price volatility is significantly lower than the broader market, suggesting it behaves as a defensive asset within the financial sector.

Growth & Income

The company demonstrates a Revenue Growth (YoY) of 1.0% and an Earnings Growth (YoY) of 15.0%, indicating that earnings are growing substantially faster than revenue. This divergence suggests that the company is improving its efficiency or benefiting from pricing power that allows net income to expand at a much higher rate than top-line revenue. As a dividend payer, the company offers a Dividend Yield of 2.5% with a Payout Ratio of 26.8%, a figure that is highly sustainable given the strong earnings growth and healthy profit margins. The low payout ratio relative to the robust earnings growth implies that the company retains the majority of its profits to reinvest in the business or strengthen the balance sheet rather than distributing all earnings as dividends. The overall growth and income profile presents a scenario of steady top-line expansion paired with accelerated earnings growth and a conservative yet rewarding dividend distribution strategy.