Great Southern Financials

GSBC Stock  USD 56.53  0.61  1.07%   
Based on the analysis of Great Southern's profitability, liquidity, and operating efficiency, Great Southern Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Great Southern's Total Current Liabilities is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 1.6 B, whereas Total Assets are forecasted to decline to about 2.9 B. Key indicators impacting Great Southern's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.01320.0112
Fairly Up
Slightly volatile
Return On Equity0.03840.0405
Notably Down
Very volatile
Debt Equity Ratio0.220.2345
Notably Down
Slightly volatile
Current Ratio2.162.2783
Notably Down
Slightly volatile
The financial analysis of Great Southern is a critical element in measuring its lifeblood. Investors should not minimize Great Southern's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

34.58 Million

  
Understanding current and past Great Southern Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Great Southern's financial statements are interrelated, with each one affecting the others. For example, an increase in Great Southern's assets may result in an increase in income on the income statement.
Please note, the presentation of Great Southern's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Great Southern's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Great Southern's management manipulating its earnings.

Great Southern Stock Summary

Great Southern competes with First Northwest, Community West, First Financial, First Capital, and Home Bancorp. Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri. Great Southern operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 885 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS3909051076
CUSIP390905107
LocationMissouri; U.S.A
Business Address1451 East Battlefield,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.greatsouthernbank.com
Phone417 887 4400
CurrencyUSD - US Dollar

Great Southern Key Financial Ratios

Great Southern Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets5.5B5.4B5.7B5.8B5.5B2.9B
Other Current Liab(4.1M)(2.1M)(4.1M)52.0M(12.8M)(12.1M)
Net Debt(388.0M)(615.7M)21.1M(109.4M)261.6M274.7M
Retained Earnings541.4M545.5M543.9M569.9M603.5M633.7M
Cash563.7M717.3M168.5M211.3M96.7M184.5M
Other Assets4.0B3.6B4.1B(827.1M)4.7B2.5B
Net Receivables16.5M22.7M55.1M50.7M54.2M56.9M
Total Liab4.9B4.8B5.1B5.2B4.4B2.6B
Total Current Assets995.2M1.2B714.2M1.1B816.2M1.5B
Short Term Debt1.5M1.4M1.1M1.6M358.3M376.2M
Accounts Payable2.6M646K3.0M6.2M12.8M10.2M
Other Current Assets58.9M45.2M69.5M232.6M209.3M198.8M
Other Liab7.5M7.5M15.8M19.4M17.5M13.4M
Long Term Debt174.2M99.8M100.1M100.4M100.7M90.8M
Inventory(578.4M)(730.1M)(187.9M)51.8M46.7M49.0M
Intangible Assets1.5M685K5.4M5.1M4.7M4.3M
Net Tangible Assets595.0M622.8M610.7M522.3M600.6M493.4M
Long Term Debt Total74.3M174.2M99.8M100.1M115.1M75.1M
Capital Surpluse33.5M35.0M38.3M42.4M48.8M30.7M
Short Long Term Debt1.5M1.8M89.6M1.6M1.2M1.2M

Great Southern Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense40.6M20.8M27.4M85.6M135.6M142.3M
Operating Income73.1M94.4M130.5M34.2M(220.0M)(209.0M)
Ebit73.1M94.4M94.2M34.2M39.4M76.6M
Ebitda85.2M105.5M103.9M34.2M39.4M37.4M
Net Income59.3M74.6M75.9M67.8M61.8M34.6M
Income Tax Expense13.8M19.7M18.3M17.5M13.7M11.6M
Total Revenue212.2M216.2M233.8M46.3M520.0494.0
Gross Profit206.0M216.2M225.5M37.6M219.7M126.0M
Income Before Tax73.1M94.4M94.2M85.3M75.5M47.2M
Tax Provision13.8M19.7M18.3M18.8M13.7M18.3M
Net Interest Income177.1M177.9M199.6M202.7M189.1M196.0M
Interest Income217.7M198.7M227.0M288.3M324.7M247.5M

Great Southern Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash343.6M153.5M(548.7M)42.8M(15.6M)(14.8M)
Free Cash Flow37.7M79.2M46.5M73.4M39.1M42.0M
Depreciation12.1M11.1M9.7M9.3M9.0M6.2M
Other Non Cash Items3.7M(6.8M)2.9M(17.6M)(26.7M)(25.4M)
Dividends Paid33.4M18.8M19.2M19.3M18.7M10.4M
Capital Expenditures8.4M5.7M20.1M7.3M4.9M9.0M
Net Income59.3M74.6M75.9M67.8M61.8M35.0M
End Period Cash Flow563.7M717.3M168.5M211.3M195.8M188.9M
Change To Netincome73.6M58.0M82.2M88.4M101.7M106.8M
Investments(173.7M)193.6M(653.2M)(51.4M)(175.4M)(166.6M)
Change Receivables(82K)362K2.1M(8.4M)(7.6M)(7.2M)
Net Borrowings14.3M73.5M(101.7M)127.5M114.7M109.0M

Great Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Great Southern's current stock value. Our valuation model uses many indicators to compare Great Southern value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Great Southern competition to find correlations between indicators driving Great Southern's intrinsic value. More Info.
Great Southern Bancorp is rated # 2 in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Great Southern Bancorp is roughly  10.05 . At present, Great Southern's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Great Southern's earnings, one of the primary drivers of an investment's value.

Great Southern Bancorp Systematic Risk

Great Southern's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Great Southern volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was five with a total number of output elements of fifty-six. The Beta measures systematic risk based on how returns on Great Southern Bancorp correlated with the market. If Beta is less than 0 Great Southern generally moves in the opposite direction as compared to the market. If Great Southern Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Great Southern Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Great Southern is generally in the same direction as the market. If Beta > 1 Great Southern moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Great Southern Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Great Southern's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Great Southern growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.64)

At present, Great Southern's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Great Southern March 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Great Southern help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Great Southern Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Great Southern Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Great Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Great Southern's daily price indicators and compare them against related drivers.

Complementary Tools for Great Stock analysis

When running Great Southern's price analysis, check to measure Great Southern's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Great Southern is operating at the current time. Most of Great Southern's value examination focuses on studying past and present price action to predict the probability of Great Southern's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Great Southern's price. Additionally, you may evaluate how the addition of Great Southern to your portfolios can decrease your overall portfolio volatility.
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