Stocks · Financial Services · Banks - Regional
Great Southern Bancorp, Inc. GSBC
$79.27 +1.49% Close, Oct 2, 2026 · NASDAQ · Market cap $863.5M
Strong trend
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 13.2× trailing earnings, higher than 95% of the company's own readings over the past five years.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +8.8%).
- Net debt is 5.1× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth5Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 11%
- EPS growth (TTM, YoY)Bottom 30%
- FCF growth (TTM, YoY)Bottom 13%
- Revenue growth, 3-year CAGRBottom 29%
- Revenue growth accelerationBottom 34%
Quality33Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 46%
- Gross marginTop 40%
- Operating marginTop 47%
- Cash conversion (OCF / net income)Bottom 31%
- Accruals (lower is better)Bottom 28%
- Net debt / EBITDA (lower is better)Bottom 25%
- Interest coverBottom 41%
Value33Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 42%
- Free-cash-flow yieldBottom 36%
- EBITDA / enterprise valueBottom 48%
- Sales / enterprise valueBottom 35%
- P/E vs own 5-year history (lower is better)Bottom 7%
Momentum90Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnTop 15%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highTop 20%
- Trend checklist (0–4)Top 27%
Revisions33Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 32%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyBottom 11%
- Upside to consensus price targetBottom 1%
Stability60Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 24%
- Maximum drawdown, 3 yearsTop 36%
- Beta vs S&P 500 (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Bottom 25%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -8.4% | -10.8% | ↓ |
| EPS growth (YoY) | 12.3% | 2.2% | ↓ |
| Gross margin | 63.0% | 68.9% | ↑ |
| Operating margin | 23.5% | 23.2% | ↓ |
| FCF margin | 20.4% | 13.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -10.8% | -8.4% | ↓ | Bottom 11% |
| EPS growth (TTM, YoY) | 2.2% | 12.3% | ↓ | Bottom 30% |
| Gross margin | 68.9% | 63.0% | ↑ | Top 40% |
| Operating margin | 23.2% | 23.5% | ↓ | Top 47% |
| Net margin | 21.1% | 19.1% | ↑ | — |
| Free-cash-flow margin | 13.8% | 20.4% | ↓ | — |
| Return on invested capital | 1.1% | — | Bottom 46% | |
| Revenue growth, 3-year CAGR | 9.6% | — | Bottom 29% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.81×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -52.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.15×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.18%
- Net buyback yield (TTM)
- 4.22%
- Shareholder yield
- 6.40%
- Share count change, 1 year
- -3.1%
- Share count change, 3-year CAGR
- -2.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +8.8%
- Average 2-day reaction, last 8
- +1.3%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $62.00
- Target vs current price
- -21.8%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 17%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 15, 2026 | +5.1% | +0.8% | +2.3% | +4.4% | — |
| Apr 15, 2026 | +24.4% | +0.1% | -1.3% | +1.5% | +15.0% |
| Jan 21, 2026 | +5.1% | +6.3% | -3.6% | +1.3% | +6.2% |
| Oct 15, 2025 | +0.6% | -0.2% | -8.2% | -6.8% | +0.0% |
| Jul 16, 2025 | +25.5% | +0.3% | +2.4% | +0.9% | +3.5% |
| Apr 16, 2025 | +16.7% | +1.0% | +7.6% | +14.3% | +19.4% |
| Jan 21, 2025 | -3.8% | +2.6% | -1.5% | -0.9% | -14.6% |
| Oct 16, 2024 | +11.9% | -0.4% | -3.8% | +8.3% | -1.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 15, 2026 | $1.45 | $1.38 | +5.1% | $56.9M |
| Apr 15, 2026 | $1.58 | $1.27 | +24.4% | $55.4M |
| Jan 21, 2026 | $1.45 | $1.38 | +5.1% | $56.4M |
| Oct 15, 2025 | $1.56 | $1.55 | +0.6% | $57.8M |
| Jul 16, 2025 | $1.72 | $1.37 | +25.5% | $59.2M |
| Apr 16, 2025 | $1.47 | $1.26 | +16.7% | $55.9M |
| Jan 21, 2025 | $1.27 | $1.32 | -3.8% | $56.5M |
| Oct 16, 2024 | $1.41 | $1.26 | +11.9% | $55.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.2× | 10.4× | 95th | Top 42% |
| P/E (forward) | 13.6× | — | — | — |
| EV / EBITDA | 15.9× | — | — | Bottom 48% |
| EV / Sales | 4.01× | — | — | Bottom 35% |
| Free-cash-flow yield | 5.11% | — | — | Bottom 36% |
| Earnings yield | 7.57% | — | — | Top 42% |
P/E over the past five years
Range 7.8× – 13.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +30.6%
- Earnings per share growth (TTM)
- +2.2%
- Change in P/E multiple
- +40.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 137
- 50-day average slope (20 days)
- +0.4%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- -0.3%
- Distance from 200-day average
- +12.3%
- RSI (14)
- 52.9
- Relative volume
- 0.71×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.5%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.64
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -3.4%
- Maximum drawdown, 3 years
- -24.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Aug 16, 2022 | Oct 13, 2023 | -26.0% | 292 days | 189 days (Jul 17, 2024) |
| Nov 6, 2024 | Apr 10, 2025 | -24.5% | 105 days | 195 days (Jan 21, 2026) |
| Mar 12, 2021 | Jul 19, 2021 | -16.9% | 88 days | 120 days (Jan 6, 2022) |
| Jul 26, 2024 | Aug 12, 2024 | -16.6% | 11 days | 61 days (Nov 6, 2024) |
| Jan 21, 2026 | Jan 28, 2026 | -11.2% | 5 days | 48 days (Apr 8, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $863.5M
- P/E (TTM)
- 13.2
- EPS, diluted (TTM)
- $6.00
- Revenue (TTM)
- $318.4M
- Dividend yield
- 2.17%
- 52-week range
- $53.76 – $82.91
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $237.0M | $261.1M | $326.9M | $355.3M | $343.3M |
| Gross profit | $222.0M | $227.6M | $226.4M | $217.0M | $229.8M |
| Operating income | $94.4M | $94.2M | $85.3M | $75.5M | $87.3M |
| Net income | $74.6M | $75.9M | $67.8M | $61.8M | $71.0M |
| EPS (diluted) | $5.46 | $6.02 | $5.61 | $5.26 | $6.19 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $90.8M | $89.5M | $87.1M | $89.5M | $86.5M | $80.8M | $71.2M | $79.9M |
| Net income | $16.5M | $14.9M | $17.2M | $19.8M | $17.8M | $16.3M | $17.5M | $15.8M |
| EPS (diluted) | $1.41 | $1.27 | $1.47 | $1.72 | $1.56 | $1.43 | $1.58 | $1.43 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $85.0M | $66.6M | $80.7M | $44.1M | $77.7M |
| Capital expenditure | -$5.7M | -$20.1M | -$7.3M | -$4.9M | -$11.5M |
| Free cash flow | $79.2M | $46.5M | $73.4M | $39.1M | $66.2M |
| Dividends paid | -$18.8M | -$19.2M | -$19.3M | -$18.7M | -$18.7M |
| Net share buybacks | -$39.1M | -$61.8M | -$23.3M | -$15.2M | -$39.6M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $97.2M
- Total assets
- $5.52B
- Total liabilities
- $4.88B
- Total debt
- $511.2M
- Net debt
- $414.0M
- Shareholders’ equity
- $641.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 28, 2026 | $0.43 | Oct 14, 2026 |
| Jun 29, 2026 | $0.43 | Jul 14, 2026 |
| Mar 30, 2026 | $0.43 | Apr 14, 2026 |
| Dec 29, 2025 | $0.43 | Jan 13, 2026 |
| Sep 29, 2025 | $0.43 | Oct 14, 2025 |
| Jun 30, 2025 | $0.40 | Jul 15, 2025 |
| Mar 31, 2025 | $0.40 | Apr 14, 2025 |
| Dec 30, 2024 | $0.40 | Jan 14, 2025 |
Short interest
- Shares sold short
- 583,493
- Days to cover
- 7.05
- Change vs previous report
- +6.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 2, 2004
- 2-for-1
- Oct 22, 1996
- 2-for-1
- Jul 26, 1994
- 3-for-1