Great Southern Bancorp, Inc. (GSBC) stock analysis

P/E above its 5-year median

Great Southern Bancorp's P/E of 14.3 is above its own 5-year median of 10.7.

P/E above the industry

Great Southern Bancorp's P/E of 14.3 is above the Commercial Banks median of 12.1.

P/S above the industry

Great Southern Bancorp's price-to-sales of 4.00 is above the Commercial Banks median of 3.60.

P/B above the industry

Great Southern Bancorp's price-to-book of 1.45 is above the Commercial Banks median of 1.29.

Trading above fair value

The share price of $81.60 is above our fair value estimate of $67.07.

Margin of safety under 20%

The price is 21.7% above fair value, so there is no margin of safety.

Revenue growing under 10% a year

Revenue grew -0.6% a year over the last three fiscal years, short of the 10% we look for.

EPS growing under 10% a year

Diluted EPS grew 0.9% a year over the last three fiscal years.

Earnings growth not accelerating

Net income grew -8.7% over the last twelve months, against a 5-year average of 3.7% a year.

Growing slower than the industry

Revenue grew -3.1% over the last twelve months; the Commercial Banks median is 11.3%.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity under 15%

Return on equity was 10.2% over the last twelve months and averaged 11.9% over five years; we look for 15% on both.

Return on assets over 1%

Return on assets was 1.1%; for a bank or insurer, 1% or more is considered good.

Return on equity below the industry

Great Southern Bancorp's return on equity of 10.2% is below the Commercial Banks median of 11.5%.

Earnings grew over 5 years

Net income grew 3.7% a year on average over the last five fiscal years.

Net margin below its 5-year average

Net margin was 28.6% over the last twelve months, against a 5-year average of 31.3%.

Net margin below the industry

Great Southern Bancorp's net margin of 28.6% is below the Commercial Banks median of 30.3%.

Well capitalized

Equity is 10.5% of total assets; 8% or more is a comfortable cushion.

Loans funded by deposits

Needs loans and deposits.

Adequate loan-loss reserve

The allowance for credit losses is not reported.

High cost base

Non-interest expense takes 65.4% of revenue; under 60% is efficient for a bank.

Deposits shrinking

Deposits fell 10.1% over the past year.

Borrowings

Needs debt and equity figures.

Pays a dividend

Great Southern Bancorp paid dividends worth 2.1% of the share price over the last twelve months.

Yield below Treasuries

The 2.1% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; Great Southern Bancorp yields 2.1%.

Dividend was cut

The dividend per share fell by more than 10% at least once in the last 8 fiscal years.

Covered by earnings

Dividends take 29.8% of net income.

Covered by free cash flow

Dividends take 29.8% of free cash flow.