GSBC
Financial ServicesGreat Southern Bancorp, Inc. · Banks - Regional · $770M
What is Great Southern Bancorp, Inc.?
Great Southern Bancorp is a Missouri-based bank holding company that has served retail and commercial customers across the central United States for over a century.
Great Southern Bank provides everyday banking products — deposits, loans, and related financial services — to individuals and businesses. Revenue comes primarily from interest earned on a diversified loan portfolio spanning residential real estate, commercial real estate, construction, and consumer lending, supplemented by insurance and merchant banking services.
Founded in 1923 and headquartered in Springfield, Missouri.
- Deposit accounts (savings, checking, money market, CDs)
- Residential and commercial real estate loans
- Construction and commercial business loans
- Insurance and merchant banking services
Is GSBC a Good Stock to Buy?
UQS Score rates GSBC as Below Average overall.
The Quality and Risk pillars both come in at Good, reflecting a relatively stable balance sheet and manageable risk profile for a community bank. Valuation also registers as Good, suggesting the stock is not obviously expensive relative to its fundamentals.
The Moat and Growth pillars are both Weak, pointing to limited competitive differentiation and subdued expansion prospects in a competitive regional banking landscape.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does GSBC pay dividends?
Yes — Great Southern Bancorp, Inc. pays a dividend.
Great Southern Bancorp pays a regular dividend, consistent with the income-oriented tradition of community banks. The dividend reflects the company's relatively stable earnings base and its commitment to returning capital to shareholders over time.
When does GSBC report earnings?
Great Southern Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
Results have reflected the broader pressures facing regional banks, including interest rate sensitivity and competition for deposits. Growth trends have been modest relative to sector peers, consistent with the Weak Growth pillar rating.
For the most recent quarter's results, visit Great Southern Bancorp's investor relations page.
GSBC Price History
+35.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Great Southern Bancorp, Inc.?
Based on Great Southern Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Great Southern Bancorp do?
Great Southern Bancorp is the holding company for Great Southern Bank, which offers deposit accounts, real estate and commercial loans, consumer lending, insurance, and merchant banking services across Missouri and several neighboring states.
Does GSBC pay dividends?
Yes, Great Southern Bancorp pays a regular dividend. This is common among community banks that generate relatively stable earnings and prioritize returning capital to shareholders. Check the company's investor relations page for the current dividend schedule.
When does GSBC report earnings?
GSBC reports on a standard quarterly schedule. For exact dates, refer to Great Southern Bancorp's investor relations page, which publishes the earnings calendar in advance.
Is GSBC a good stock to buy?
UQS Score rates GSBC as Below Average overall. While Quality and Risk are rated Good, the Weak Moat and Weak Growth pillars weigh on the composite score. Investors should review the full pillar breakdown before drawing conclusions.
Is GSBC overvalued?
The UQS Valuation pillar for GSBC is rated Good, suggesting the stock does not appear significantly overpriced relative to its fundamentals. Full valuation metrics are available to Pro members.
What is GSBC's market cap bracket?
Great Southern Bancorp is classified as a small-cap company, placing it among smaller publicly traded banks that typically serve regional or community markets rather than national ones.
Is GSBC a long-term quality investment?
As a long-term quality indicator, GSBC's Below Average UQS Score reflects concerns around competitive moat and growth. The relatively Good Risk rating offers some stability, but the full picture warrants a closer look at the pillar-level data.
What sector does GSBC belong to?
GSBC operates in the Financial Services sector, specifically as a community bank holding company. It competes with other regional and community banks across the central United States.
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Pro Analysis
GSBC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 20, 2026 | 44.0 | 76.0 | 25.0 | 17.0 | 24.8 | 77.8 | -5.6 |
| May 7, 2026 | 49.6 | 76.0 | 25.0 | 17.0 | 63.3 | 76.5 | -0.1 |
| May 3, 2026 | 49.7 | 76.0 | 25.0 | 17.0 | 63.3 | 77.2 | -0.2 |
| Apr 26, 2026 | 49.9 | 76.0 | 25.0 | 17.0 | 63.3 | 78.4 | +0.1 |
| Apr 25, 2026 | 49.8 | 76.0 | 25.0 | 17.0 | 63.3 | 77.6 | -0.3 |
| Apr 23, 2026 | 50.1 | 76.0 | 25.0 | 17.0 | 63.3 | 79.9 | 0.0 |
| Apr 21, 2026 | 50.1 | 76.0 | 25.0 | 17.0 | 63.3 | 79.8 | 0.0 |
| Apr 19, 2026 | 50.1 | 76.0 | 25.0 | 17.0 | 63.3 | 79.5 | +0.3 |
| Apr 18, 2026 | 49.8 | 76.0 | 25.0 | 16.5 | 63.3 | 78.3 | -0.7 |
| Apr 12, 2026 | 50.5 | 75.7 | 25.0 | 16.4 | 58.8 | 88.3 | -0.5 |
GSBC — Pillar Breakdown
Quality
— 76.0/100 (25%)Great Southern Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 17.0/100 (20%)Great Southern Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 24.8/100 (15%)Great Southern Bancorp, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 76.7/100 (15%)Great Southern Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 25/100 (25%)Great Southern Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for GSBC.
Score Composition
Financial Data
More Stock Analysis
How is the GSBC UQS Score Calculated?
The UQS (Unified Quality Score) for Great Southern Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Great Southern Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Great Southern Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.