Great Southern Bancorp, Inc. Financial Ratios — GSBC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	11.49	18.72	11.48	13.57	13.12	11.77	12.21	14.36	14.3	11	13.73	13.94	12.17	10.53	11.66
Return on Assets (%)	0.84	1.26	0.9	1.16	1.15	1.05	1.15	1.48	1.52	1.13	1.36	1.36	1.18	1.05	1.23
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	5.01	7.15	8.49	6.01	6.94	6.79	6.36	5.79	5.5	5.69	5.15	4.14	4.17	4.07	3.71
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	18.44	29.55	22.03	28.73	30.99	31.16	37.71	41.6	42.61	34.45	43.64	40.3	38.22	34.36	38.07
Profit Margin (%)	16.02	24.54	17.74	21.83	23.22	22.84	27.65	34.07	34.83	27.95	34.51	32.49	30.36	28.13	30.95
Net Income to Common Margin (%)	13.9	24.23	17.43	21.54	22.94	22.84	27.65	34.07	34.83	27.95	34.51	32.49	30.36	28.13	30.95
Effective Tax Rate (%)	14.88	24.85	19.51	24.01	25.08	26.7	26.67	18.11	18.26	18.85	20.92	19.38	20.56	18.13	18.7
Dvd Payout Ratio (%)	32.08	28.48	22.28	24.86	25.54	26.98	25.01	23.57	39.47	56.36	25.19	25.26	28.44	30.27	26.38
Sustainable Growth Rate (%)	7.8	13.39	8.92	10.19	9.77	8.59	9.16	10.98	8.66	4.8	10.27	10.42	8.71	7.34	8.58

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	216	158	159	345	291	303	244	292	297	176	101	190	353	615	357
ST Debt	1	1	1	42	1	172	17	193	197	2	1	90	253	514	331
LT Debt	215	158	158	303	289	131	227	100	100	174	100	100	100	101	26
Total Debt/EBITDA	22.84	11.16	9.84	28.78	20.92	22.5	20.55	25.62	25.58	14.54	9.09	19.6	37.9	68.7	41.91
Net Debt/EBITDA	-12.73	-17.28	-4.28	10.54	6.58	1.73	0.11	7.85	6.64	-32.12	-55.31	2.18	15.21	46.83	19.64
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.25	7	8.45	8.41	8.97	8.84	10.02	10.53	10.71	9.8	10.01	9.58	9.81	10.09	10.97
Long-Term Debt/Equity (%)	66.35	42.63	41.42	72.08	72.65	30.42	48.12	18.73	16.59	27.66	16.17	18.77	17.55	16.79	4.05
Long-Term Debt/Capital (%)	42.14	31.96	30.47	41.14	43.92	18.54	33.1	12.7	11.99	24.28	15.42	13.64	10.87	8.26	2.65
Long-Term Debt/Total Assets (%)	5.68	3.99	4.43	7.66	7.05	2.87	5.14	2.13	1.99	3.15	1.83	1.76	1.73	1.68	0.46
Total Debt/Equity (%)	66.55	42.83	41.72	82.2	72.98	70.52	51.64	54.95	49.3	27.9	16.41	35.57	61.73	102.56	56.07
Total Debt/Capital (%)	42.27	32.12	30.69	46.92	44.11	42.97	35.52	37.26	35.62	24.49	15.65	25.85	38.24	50.46	36.74
Total Debt/Total Assets (%)	5.7	4.01	4.46	8.73	7.08	6.66	5.52	6.25	5.93	3.18	1.86	3.34	6.07	10.28	6.37
Net Debt to Equity	-37.11	-66.34	-18.15	30.11	22.96	5.43	0.28	16.84	12.79	-61.62	-99.89	3.96	24.77	69.91	26.28
Net Debt/Capital (%)	-69.01	-274.29	-23.87	24.46	19.89	5.48	0.3	15.4	12.56	-252.72	875.32	3.74	19.9	40.98	21.39
EBITDA	9	14	16	12	14	13	12	11	12	12	11	10	9	9	9
EBITDA-CapEx	-10	-14	2	-6	-3	3	4	2	- -	4	5	-10	2	4	-3
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.25	7	8.45	8.41	8.97	8.84	10.02	10.53	10.71	9.8	10.01	9.58	9.81	10.09	10.97
Long-Term Debt/Equity (%)	66.35	42.63	41.42	72.08	72.65	30.42	48.12	18.73	16.59	27.66	16.17	18.77	17.55	16.79	4.05
Long-Term Debt/Capital (%)	42.14	31.96	30.47	41.14	43.92	18.54	33.1	12.7	11.99	24.28	15.42	13.64	10.87	8.26	2.65
Long-Term Debt/Total Assets (%)	5.68	3.99	4.43	7.66	7.05	2.87	5.14	2.13	1.99	3.15	1.83	1.76	1.73	1.68	0.46
Total Debt/Equity (%)	66.55	42.83	41.72	82.2	72.98	70.52	51.64	54.95	49.3	27.9	16.41	35.57	61.73	102.56	56.07
Total Debt/Capital (%)	42.27	32.12	30.69	46.92	44.11	42.97	35.52	37.26	35.62	24.49	15.65	25.85	38.24	50.46	36.74
Total Debt/Total Assets (%)	5.7	4.01	4.46	8.73	7.08	6.66	5.52	6.25	5.93	3.18	1.86	3.34	6.07	10.28	6.37
CFO/Total Liabilities	2.93	4.1	2.95	1.91	1.93	1.96	1.59	2.27	1.96	0.94	1.94	1.65	1.54	0.82	1.64
CFO/CapEx	5.22	5.28	6.78	3.76	4.28	7.41	8.48	10.11	7.33	5.6	16.33	4.22	11.05	8.95	7.11
Altman's Z-Score	0.19	0.21	0.25	0.26	0.28	0.28	0.29	0.28	0.31	0.26	0.28	0.26	0.26	0.26	0.28

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	14.27	14.92	15.74	17.62	18.08	17.41	15.4	15.28	15.67	16.12	18.4	15.68	11.08	10.55	11.91
Days Sales Outstanding	25.57	24.46	23.19	20.71	20.18	20.97	23.7	23.89	23.3	22.64	19.83	23.28	32.95	34.58	30.64
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	318	345	410	543	625	760	722	650	900	687	804	744	712	699	701
- Cash & Cash Equivalents	336	404	228	219	199	280	242	203	220	564	717	169	211	196	190
+ Preferred Equity and Hybrid Capital	58	58	58	58	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	216	158	159	345	291	303	244	292	297	176	101	190	353	615	357
Enterprise Value	-620	-650	-157	361	453	570	544	496	603	-116	-313	275	376	585	396
Total Capital	511	493	517	735	659	705	686	785	835	717	647	734	923	1,218	971
Total Debt/Capital (%)	42.27	32.12	30.69	46.92	44.11	42.97	35.52	37.26	35.62	24.49	15.65	25.85	38.24	50.46	36.74
Total Debt / EV	-0.35	-0.24	-1.01	0.95	0.64	0.53	0.45	0.59	0.49	-1.52	-0.32	0.69	0.94	1.05	0.9
EV/Sales	- -	- -	- -	1.81	2.26	2.87	2.92	2.52	2.85	- -	- -	1.18	1.68	2.66	1.73
EV/EBITDA	- -	- -	- -	30.15	32.61	42.28	45.89	43.47	51.86	- -	- -	28.4	40.34	65.32	46.53
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	5.36	6.34	7.06	8.66	5.27	6.98	- -	- -	3.24	4.65	13.27	4.86
EV/Free Cash Flow to Firm	- -	- -	- -	4.23	5.14	6.22	7.75	4.79	6.14	- -	- -	2.62	4.27	11.93	4.26
Diluted Market Cap	321	346	417	550	634	772	730	656	907	689	810	751	717	701	706
Diluted Enterprise Value	258	158	405	734	725	795	731	745	984	301	194	772	859	1,121	873
EV per Share	- -	- -	- -	26.42	32.84	40.95	38.92	35.1	42.42	- -	- -	21.97	31.3	49.94	34.76
TTM Sales	189	199	190	199	200	199	186	197	211	212	216	234	223	220	229
TTM EBITDA	9	14	16	12	14	13	12	11	12	12	11	10	9	9	9
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	101	147	94	67	71	81	63	94	86	46	94	85	81	44	82
TTM Free Cash Flow to Firm	121	175	108	85	88	92	70	104	98	54	99	105	88	49	93

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	2.66	1.98	3.87	6.44	7.19	8.43	10.39	6.34	9.23	12.69	8.14	7.15	8.15	14.32	7.59
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-620	-650	-157	361	453	570	544	496	603	-116	-313	275	376	585	396
Low Price	15.01	20.6	22.6	26.95	35.1	34.48	47.25	43.3	45.44	32.23	47.22	50.3	45.39	48.19	47.57
EV/Sales	- -	- -	- -	1.81	2.26	2.87	2.92	2.52	2.85	- -	- -	1.18	1.68	2.66	1.73
EV/EBITDA	- -	- -	- -	30.15	32.61	42.28	45.89	43.47	51.86	- -	- -	28.4	40.34	65.32	46.53
Price/Earnings	12.1	7.17	12.36	12.63	13.59	16.76	14	9.69	12.22	11.59	10.77	9.8	10.5	11.31	9.88
Price/Earnings Average	10.15	7.32	10.94	10.04	12.57	12.63	14.01	11.45	11.02	10.32	10	9.87	9.39	10.64	9.45
Price/Earnings High	12.53	8.96	12.7	12.83	15.9	17.39	15.84	12.98	12.45	15.06	11.01	10.57	10.96	12.88	10.69
Price/Earnings Low	7.7	5.8	9.19	8.58	10.54	10.58	12.8	9.12	8.77	7.64	8.59	8.29	8.03	9.13	7.64
Price/Book Value	1.34	1.25	1.36	1.63	1.7	1.89	1.63	1.32	1.67	1.27	1.47	1.37	1.25	1.16	1.14
Price/Book Value Average	1.12	1.27	1.21	1.3	1.57	1.42	1.63	1.56	1.51	1.13	1.37	1.38	1.12	1.09	1.09
Price/Book Value High	1.39	1.56	1.4	1.66	1.98	1.96	1.85	1.77	1.71	1.65	1.51	1.48	1.3	1.32	1.24
Price/Book Value Low	0.85	1.01	1.01	1.11	1.32	1.19	1.49	1.24	1.2	0.84	1.17	1.16	0.96	0.93	0.88
Price/Tangible Book Value	1.22	1.13	1.29	1.53	1.59	1.82	1.57	1.24	1.51	1.1	1.32	1.43	1.27	1.19	1.12
Price/Tangible Book Value Average	1.03	1.15	1.14	1.22	1.47	1.37	1.57	1.47	1.36	0.98	1.22	1.43	1.13	1.12	1.07
Price/Tangible Book Value High	1.27	1.41	1.32	1.56	1.86	1.89	1.77	1.67	1.54	1.43	1.35	1.54	1.32	1.35	1.21
Price/Tangible Book Value Low	0.78	0.91	0.96	1.04	1.23	1.15	1.43	1.17	1.09	0.73	1.05	1.21	0.97	0.96	0.87
Price/Sales	1.68	1.74	2.15	2.72	3.12	3.83	3.87	3.3	4.26	3.24	3.72	3.18	3.19	3.18	3.06
Price/Sales Average	1.41	1.77	1.91	2.16	2.88	2.88	3.87	3.9	3.84	2.88	3.45	3.21	2.85	2.99	2.92
Price/Sales High	1.74	2.17	2.21	2.76	3.65	3.97	4.38	4.42	4.34	4.21	3.8	3.43	3.33	3.62	3.31
Price/Sales Low	1.07	1.41	1.6	1.85	2.42	2.42	3.54	3.11	3.06	2.13	2.96	2.69	2.44	2.57	2.36
Price/Cash Flow	3.13	2.35	4.36	8.05	8.74	9.43	11.49	6.9	10.41	14.93	8.58	8.77	8.83	15.86	8.6
Price/Cash Flow Average	2.63	2.4	3.86	6.39	8.09	7.1	11.5	8.16	9.39	13.29	7.96	8.83	7.89	14.92	8.23
Price/Cash Flow High	3.24	2.93	4.48	8.17	10.23	9.78	13	9.25	10.6	19.4	8.76	9.46	9.21	18.07	9.31
Price/Cash Flow Low	1.99	1.9	3.24	5.47	6.78	5.95	10.51	6.49	7.47	9.84	6.83	7.42	6.75	12.8	6.65
Price/Free Cash Flow Average	2.23	2.02	3.42	5.12	6.65	6.35	10.4	7.48	8.33	11.3	7.55	7.2	7.29	13.47	7.26
Price/Free Cash Flow High	2.75	2.47	3.97	6.54	8.42	8.75	11.76	8.49	9.4	16.5	8.32	7.71	8.51	16.32	8.21
Price/Free Cash Flow Low	1.69	1.6	2.87	4.37	5.58	5.32	9.51	5.96	6.63	8.37	6.49	6.05	6.23	11.56	5.87
EV/Sales Average	1.08	0.83	1.85	3.09	3.34	3	3.88	4.35	4.2	1.06	0.6	3.3	3.49	4.9	3.65
EV/Sales High	1.41	1.23	2.15	3.69	4.1	4.09	4.39	4.88	4.7	2.38	0.95	3.52	3.96	5.53	4.04
EV/Sales Low	0.74	0.46	1.54	2.77	2.87	2.53	3.55	3.56	3.42	0.31	0.11	2.78	3.07	4.48	3.09
EV/EBITDA Average	21.57	11.6	21.77	51.34	48.15	44.22	61.07	75.19	76.43	18.53	11.66	79.61	83.57	120.3	98.42
EV/EBITDA High	28.18	17.15	25.38	61.33	59.15	60.27	69.03	84.2	85.46	41.81	18.45	85.14	95.03	135.8	108.77
EV/EBITDA Low	14.76	6.46	18.17	46.12	41.44	37.33	55.83	61.47	62.19	5.38	2.21	67.22	73.7	109.86	83.31
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	23.59	25.45	30.41	39.67	45.26	54.65	51.65	46.03	63.32	48.9	59.25	59.49	59.35	59.7	61.56
High Price	24.44	31.81	31.23	40.28	52.94	56.7	58.45	61.65	64.48	63.55	60.55	64.16	61.94	68.02	66.59
Enterprise Value Average	204	165	351	616	669	596	724	858	889	224	130	770	778	1,077	838
Enterprise Value High	267	244	410	735	822	812	818	961	993	505	206	824	885	1,215	926
Enterprise Value Low	140	92	293	553	576	503	662	701	723	65	25	650	686	983	709

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	13	14	14	14	14	14	14	14	14	14	13	12	12	12	11
Diluted Weighted Avg Shares	14	14	14	14	14	14	14	14	14	14	14	13	12	12	11
Basic Weighted Avg Shares	13	14	13	14	14	14	14	14	14	14	14	13	12	12	11
Revenue per Share	14.03	14.65	14.11	14.57	14.51	14.27	13.34	13.94	14.87	15.1	15.94	18.68	18.61	18.77	20.13
EBITDA per Share	0.7	1.05	1.2	0.88	1.01	0.97	0.85	0.81	0.82	0.86	0.82	0.77	0.78	0.76	0.75
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.95	3.55	2.46	3.14	3.33	3.26	3.69	4.75	5.18	4.22	5.5	6.07	5.65	5.28	6.23
Basic EPS from Cont Ops	2.2	3.25	2.5	3.18	3.37	3.26	3.69	4.75	5.18	4.22	5.5	6.07	5.65	5.28	6.23
Diluted EPS, GAAP	1.93	3.54	2.42	3.1	3.28	3.21	3.65	4.71	5.14	4.21	5.46	6.02	5.61	5.26	6.19
Diluted EPS from Cont Ops	2.18	3.24	2.46	3.14	3.32	3.21	3.65	4.71	5.14	4.21	5.46	6.02	5.61	5.26	6.19
Dividend per Share	0.91	0.96	0.59	0.82	0.89	0.88	0.92	1.12	2.04	2.38	1.39	1.53	1.61	1.6	1.64
Cash Flow per Share	7.53	10.84	6.97	4.93	5.18	5.8	4.5	6.67	6.08	3.28	6.91	6.78	6.72	3.76	7.16
Free Cash Flow per Basic Share	6.09	8.79	5.94	3.62	3.97	5.02	3.97	6.01	5.25	2.69	6.49	5.17	6.12	3.34	6.15
Cash & Equivalents per Share	90	89.37	58.12	42.71	33.49	35.49	30.16	31.62	41.82	69.63	89.79	52.68	57.46	62.29	58.11
Book Value per Share	17.6	20.44	22.32	24.3	26.68	28.93	31.65	34.84	37.81	38.53	40.22	43.48	47.5	51.56	53.91
Tangible Book Value per Share	19.29	22.59	23.61	25.9	28.44	30	32.98	37	41.87	44.31	45.01	41.74	46.78	50.36	54.99

Great Southern Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)