公司概述
Great Southern Bancorp, Inc. operates as a bank holding company that provides a comprehensive range of financial services to customers across Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas, with core deposit products including regular savings, checking, and money market accounts. The company functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which denotes its focus on localized lending and deposit gathering rather than national or global commercial banking operations. In terms of scale, the entity holds a market capitalization of $763.78 million, generates annual revenue of $229.24 million, and employs a workforce of 857 individuals. These valuation and revenue figures indicate that the company maintains a mid-sized market presence typical of regional banking institutions, suggesting a business model deeply embedded in specific geographic communities rather than seeking broad national diversification.
财务健康
The financial performance metrics reveal a revenue stream of $229.24 million over the trailing twelve months, accompanied by a net income of $70.97 million, while EBITDA data is not available for this entity. The significant gap between total revenue and net income, representing a reduction from approximately 31% of revenue to the final profit figure, highlights the substantial operating expenses inherent in the banking industry, including compensation, technology costs, and regulatory compliance. Although free cash flow figures are not reported, the company reports a cash balance of $195.22 million against a total debt obligation of $420.64 million. The debt-to-equity ratio is not explicitly provided in the available data, yet the presence of debt exceeding cash on hand indicates a leveraged balance sheet structure common in capital-intensive banking operations. Regarding liquidity, the current ratio is not disclosed in the provided facts, preventing a direct assessment of short-term asset coverage relative to liabilities. Profitability is evidenced by a gross margin of 0.0%, an operating margin of 37.0%, and a profit margin of 31.0%, where the zero gross margin reflects the financial services nature where cost of goods sold is negligible or immaterial, while the high operating and profit margins demonstrate efficient cost management. Return on Equity stands at 11.5% and Return on Assets at 1.2%, metrics that collectively reveal management's effectiveness in deploying shareholder capital and generating income from the total asset base.
估值评估
Valuation multiples show a trailing P/E ratio of 10.82 and a forward P/E of 12.59, implying that the market expects earnings growth that would justify a higher multiple in the future compared to historical performance. The price-to-book ratio is recorded at 1.19, indicating that the market values the company at a slight premium over its book value, which is typical for stable regional banks with solid capitalization. Alternative valuation metrics include a price-to-sales ratio of 3.33, while the EV/EBITDA multiple is not available due to the absence of EBITDA data in the financial reports. The stock has traded between a 52-week high of $68.74 and a 52-week low of $49.31, with the current price positioning relative to this range dependent on real-time market fluctuations not captured in static historical data points. The beta value is 0.48, which signifies that the stock exhibits significantly lower price volatility than the broader market, suggesting a defensive characteristic often found in smaller regional financial institutions.
Growth & Income
Growth dynamics are characterized by a revenue growth rate of 1.0% year-over-year and an earnings growth rate of 15.0% year-over-year, indicating that earnings are expanding at a pace substantially faster than revenue, likely driven by margin expansion or one-time items. As a dividend-paying entity, the company offers a dividend yield of 2.5% with a payout ratio of 26.8%, a low payout level that suggests the retention of most earnings for internal use or debt repayment, thereby supporting the sustainability of the dividend even if earnings fluctuate. Since the payout ratio is well below 100%, the company maintains the flexibility to reinvest retained earnings into organic growth initiatives rather than being forced to pay out all profits. The overall profile presents a balance of modest revenue stability paired with accelerated earnings growth and a conservative yet attractive dividend yield suitable for income-focused portfolios.