GSBC
GREAT SOUTHERN BANCORP, INC.
Next earnings Jul 15, 2026 · consensus $1.39 EPS, $49.3M rev
Last earnings -1.0% on 2026-04-16
$79.05
▲ +2.82%$79.05▲ +46.01%
over 1Y
L $54.14EODHDH $79.05
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.8%
1W+5.7%
1M+11.5%
3M+28.2%
YTD+29.8%
1Y+46.0%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 7 analysts
Sell
Cheap, well-capitalized community bank with expanding NIM, pristine credit, and aggressive buybacks at 1.34x book — a quiet compounder.
The read
Quality fundamentals and an attractive price line up (~141% below fair value) — the rarer case where both the business and the entry look good.
GSBC is a textbook conservative community bank trading at a discount to its underlying quality. FY2025 net income rebounded 14.8% to $71.0M and diluted EPS jumped 17.7% to $6.19 — a sharper EPS gain than net income because share count fell 5.5% as the company paid $44.5M in buybacks (nearly triple the prior year). At $77.23 the stock trades at just 12.5x earnings and roughly 1.34x the disclosed $57.50 book value per share, which is undemanding for a bank earning an 11.38% return on average equity with a 61.9% efficiency ratio.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $74.6M | $75.9M | $67.8M | $61.8M | $71.0M |
| Diluted EPS | $5.46 | $6.02 | $5.61 | $5.26 | $6.19 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF12.4
PEG (trailing)0.86
Earnings yield8.2%
FCF yield8.1%
Quality & risk
ROIC (est.)—
Free cash flow$70.1M
Total debt$228M
Net cash-$38.6M
Capital returns
Buyback yield5.1%
Dividend yield (est.)2.2%
Shareholder yield7.3%
Shares Δ YoY-5.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Other event2026-06-17
Other-events disclosure with exhibit; likely quarterly dividend declaration
- 8-K Officer / director change2026-05-15
Annual meeting voting results and director/officer election outcomes
- 10-Q Quarterly report2026-05-07
Q1 2026 10-Q detailing balance sheet shrinkage offset by margin gains
- 8-K Earnings results2026-04-16
Q1 2026 earnings release; continuing the FY25 NIM expansion trend
- DEF 14A Proxy statement2026-03-31
Proxy: director slate, exec comp, auditor ratification — routine governance
- 8-K Other event2026-03-18
Other-events disclosure with exhibit; likely routine dividend or buyback notice
- 10-K Annual report2026-03-06
FY25 10-K: NI $71M (+14.8%), NIM 3.67%, NPAs 0.18%, book value $57.50
- 8-K Other event2026-02-17
Other-events disclosure with exhibit; likely cash dividend declaration
- 8-K Earnings results2026-01-22
Q4/FY25 earnings: EPS $6.19 (+17.7%), NIM 3.67%, buybacks tripled
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-172026-06-17open ↗S-8Filing2026-06-12open ↗4Period ending 2026-05-262026-05-26open ↗144Filing2026-05-26open ↗4Period ending 2026-04-142026-05-20open ↗4Period ending 2026-05-182026-05-19open ↗144Filing2026-05-18open ↗8-KPeriod ending 2026-05-132026-05-15open ↗4Period ending 2026-04-142026-05-14open ↗4Period ending 2026-04-142026-05-14open ↗4Period ending 2026-04-142026-05-14open ↗4Period ending 2026-04-142026-05-14open ↗
Frequently asked
- Is GREAT SOUTHERN BANCORP, INC. (GSBC) a buy?
- GSBC currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Cheap, well-capitalized community bank with expanding NIM, pristine credit, and aggressive buybacks at 1.34x book — a quiet compounder.
- What is GSBC's fair value?
- A Modified-Graham model based on GSBC's SEC fundamentals estimates a fair value of about $190.31. It is an estimate from reported earnings, not a price target.
- Is GSBC overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, GSBC currently appears undervalued relative to its SEC-grounded earnings power.
- What is GREAT SOUTHERN BANCORP, INC.'s quality score?
- GSBC scores 77.23529411764706/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000854560, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/25/2026, 2:54:35 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.