Back to Dashboard
45

GSBC

🏦 Financial Services

Great Southern Bancorp, Inc.

Conservative #693Aggressive #1123Low RiskMixed 55ML↑ 23pt
$63.63+1.91%
Day High$64.04
Day Low$62.45
Volume0.1M
Mkt Cap$712M
52W Low $4852W High $68
Market Cap
$721M
P/E Ratio
10.4
Sector avg: 49.4
Rev Growth
-3.4%
Sector avg: 13.4%
Earnings Growth
14.8%
Profit Margin
20.6%
Sector avg: -2.8%
Debt/Equity
0.64

Why This Score

GSBC scores 45.6 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • High net margin of 20.6%, indicating pricing power and operational efficiency.
  • Attractively valued at 10.4x earnings, below the market average.
  • Low volatility (5.4% annualized) — well-suited for risk-averse portfolios.
  • Positive but moderate momentum (12%) — steady appreciation without overheating.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 15-point penalty for execution risk.

Net penalties of -17.8 points significantly impact the ranking. Without these adjustments, GSBC would rank considerably higher.

Score Breakdown

Overall Score45.6
Fundamental Score63.3
ML Score44.0

Score by Horizon

3 Month
70.3
6 Month
78.5
Primary
1 Year
82.7

Quality Assessment

A
Earnings Grade
Strong fundamentals, high earnings quality
Quality Flags
False stability: 0.054 vol with only -3.4% revenue growth — stagnation, not safety (declining revenue overrides sector exemption)

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
100
Advancing
Sentiment (2.5%)
45
Neutral
Analyst (6.4%)
54
Neutral
Tradability (post-hoc)
24
Grade Dlow volume, low dollar volume
Base
42.2
SHAP
+3.2
Factors
+0.8
Divergence
-0.6
Final
45.6
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)62.0
Technical (Momentum, Weinstein, Volatility)76.0
External (Sentiment, Analyst, Macro)75.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-2.0% to +4.2%
Medium-term
-2.7% to +6.7%
Long-term
-3.4% to +9.3%

ML Model Core Features100 trained inputs → ML Score: 44

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score54.2/100
Target Upside+0.5%
Coverage6 analysts
Market Sentiment
Sentiment Score45.0/100
News Volume1 articles
Technical Stage
Weinstein Stage2 — Advancing
12M Momentum+0.1%
6M Momentum+0.0%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration+9.0%
Momentum ConsistencyWeak (0.23)
Relative Strength vs Sector+2.9%
Trend Strength (ADX Proxy)Moderate (2.2)
Momentum Quality+0.104
Momentum BreadthBroad ✓
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
35%
High risk — cheap + stagnating
Sector RevGr Rank
P13
Revenue growth vs Financial Services peers
Sector PE Rank
P71
Valuation vs Financial Services peers
Sector FCF Rank
P57
Free cash flow vs Financial Services peers
Growth Deviation
-0.1σ
Z-score vs sector median
Stagnation Flag
YES
Below-sector growth + cheap PE
Value trap warning: This stock scores in the top quartile for value trap risk. The combination of below-sector-median revenue growth, low PE, and high free cash flow yield suggests the market is pricing in stagnation. The ML model's sector-relative features (trained on 30 years of data) reduce this stock's score accordingly.

Analysis Signals

Scoring Factors
Fundamental score of 60 relative to sector peers60/100
Machine learning model ranks this stock at the 83th percentileP83
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +4.3pt (features align with model priorities)—
Blend: 91% fund (60.5) + 9% ML (83.1) + SHAP(+4.3) = 66.9—
Factor quality: +1.1pt (multi-factor composite)—
Risk assessment: low. Annualized volatility 5.4%. Stability bonus of +11.1 points. Max drawdown 11% (-1.4 pts)Low
Market cap adjustment: -15.0 points ($0.7B market cap)-15.0 pts
Divergence penalty: -1.8pt (ML 23pt higher)—
Risk Factors
Earnings quality grade A: strong earnings quality and financial health. Score adjusted by -23 pointsGrade A
Quality concern: False stability: 0.1 vol with only -3.4% revenue growth — stagnation, not safety (declining revenue overrides sector exemption); CRE concentration risk: regional bank with likely elevated commercial real estate exposure — forward-looking impairment risk not captured by trailing fundamentalsFlag

Sector Peer Comparison(Financial Services — Rank #199 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
GSBC45.610.4-3.4%20.6%$721M
CME84.927.29.9%57.5%$109.0B
CINF82.310.711.4%18.9%$25.4B
ACT82.08.92.4%54.6%$6.0B
SEIC80.914.010.7%27.3%$9.6B
TROW79.310.13.1%28.5%$20.5B
FHB78.311.83.2%24.2%$3.3B
MCHB77.70.0123.7%23.2%$3.4B
TRMK75.611.934.8%19.3%$2.7B
BCAL74.39.926.2%27.1%$613M
NMIH73.97.78.4%55.1%$3.0B
FFIN73.218.811.7%30.7%$4.8B
TW73.130.018.9%39.6%$24.8B
VCTR73.118.38.8%32.3%$4.9B
VLY72.412.5-2.2%17.1%$7.5B
QQQX72.310.448.6%257.3%$1.4B
Sector Average45.849.413.4%-2.8%—

Market Sentimentvia FMP

Analyst Consensus
Hold6 analysts
Buy: 1Hold: 5
Price Target
$62consensus
Low $62Median $62High $62
-2.6% to consensus target

Company Overviewvia FMP

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. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

CEO
Joseph William Turner
Employees
882
Beta
0.53
Industry
Banks - Regional
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
51.6
Neutral
Trend
Bullish
10-day vs 50-day MA
From 52W High
-6%
High: $67.7
From 52W Low
+33.8%
Low: $47.57
Moving Averages
10-Day
$63.60
Above
20-Day
$63.10
Above
50-Day
$63.20
Above
200-Day
$60.40
Above
60-Day Support
$59.28
60-Day Resistance
$67.7
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 2 — AdvancingScore: 64/100

Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.

Favorable technical position; 50-day SMA acts as support
Price vs 200 SMA
+5.3%
200 SMA Slope (60d)
+3.6%
Rising
Volume Ratio
1.26x
10d avg vs 50d avg
Days in Stage
19
Confidence: 90%

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$81M$87M$90M$87M
Gross Profit$56M$59M$60M$57M
Operating Income$19M$22M$24M$21M
Net Income$16M$18M$20M$17M
EPS (Diluted)$1.43$1.56$1.72$1.47
Gross Margin68.9%67.7%66.6%64.9%
Operating Margin24.1%25.5%27.1%24.6%
Net Margin20.2%20.5%22.1%19.7%

Why This Stock

Financial ServicesP/E ratio of 10.4Profit margin 20.6%Valuation below sector median (P/E 10.4)

Tradability FilterGrade D — 24/100Score impact: -10.6pt

Low Tradability Warning

This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor — it is a practical tradability overlay).

Volume
3
58K avg/day
Dollar Vol
32
$4M/day
Float
10
8M shares
Mkt Cap
34
$721M
Range
81
42% spread
Composite Liquidity Score24/100
FDCBA
low volumelow dollar volumelow floatrange bound

Multi-Year Range Analysis

Range-BoundSideways: 44/100
Range-Bound Stock

This stock has traded in a compressed range for 2 of the last 5 years (3-year range: 39.9%). Range-bound stocks may indicate limited upside potential. A -2.2pt penalty has been applied.

YearLowHighRangeStatus
2021$49.53$60.5520%Narrow
2022$50.30$64.1624.2%Narrow
2023$45.39$61.9430.8%Moderate
2024$48.19$68.0234.1%Moderate
2025$47.57$66.5933.3%Moderate
3-Year Range
39.9%
Narrow Years
2 / 5
Sideways Penalty
-2.2pt

Growth Projection Adjustment

0.34x dampening
slight revenue declinestagnation flagrange bound

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
72.4%
Outstanding Shares
11M
Bid-Ask Spread
42.0%
Institutional Tradable
No

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.