Great Southern Bancorp Inc. Common Stock (GSBC)

FairStock Score: 51/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett-style investor, I start with the business: Great Southern Bancorp is a traditional community bank holding company operating across six Midwest states with 857 employees. Banking is a commodity business, so I look for conservative underwriting, a low-cost deposit base, and consistent returns. The data is mixed. Return on equity is 10.65% and price-to-book is 1.31 at the 2026-10-13 close of $76.93. That is not a bargain multiple for a bank earning around 10.65% on equity, though it is not extreme. The P/E is 12.82 on EPS of $6.00. Earnings have been lumpy: net income was $67.8M in FY2023, $61.8M in FY2024, and $71.0M in FY2025. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $15.8M and diluted EPS $1.43, down from $19.8M and $1.72 in fiscal Q2 2025. Fiscal Q1 2026 net income was $17.5M. The provided data lists revenue growth of -1.01% and profit growth of 1.84%, with the computed Lynch category a slow grower at 3.7% annual profit growth over five years. The PEG of 6.97 confirms the growth does not support a rich multiple. The 2.24% dividend yield and beta of 0.52 add some defensive appeal, but Piotroski F-Score 4/9 and a FairStock score 51/100 suggest average financial momentum. CET1, net interest margin, credit costs, nonperforming assets, reserve coverage, and combined ratio are not in the data. Without them, I see a fair-to-fully-valued, steady regional bank, not a compelling margin-of-safety opportunity.

In plain English: Great Southern Bancorp is a small regional bank holding company with offices in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. Its profits have been fairly steady but not growing much, and the latest reported quarter's profit was lower than the year-earlier quarter. At the recent price, the stock looks neither an obvious bargain nor wildly expensive compared with its earnings and accounting value; it looks roughly fair for a steady, slow-growing bank.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer