Great Southern Bancorp Inc (GSBC)vsU.S. Bancorp (USB)
GSBC
Great Southern Bancorp Inc
$62.29
-0.50%
FINANCIAL SERVICES · Cap: $700.22M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 11396% more annual revenue ($26.35B vs $229.24M). GSBC leads profitability with a 31.0% profit margin vs 28.7%. USB appears more attractively valued with a PEG of 1.80. USB earns a higher WallStSmart Score of 75/100 (B).
GSBC
Buy65
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.8%
Fair Value
$190.65
Current Price
$62.29
$128.36 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 37.0%
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Expensive relative to growth rate
1.0% revenue growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GSBC
The strongest argument for GSBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.0% and operating margin at 37.0%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : GSBC
The primary concerns for GSBC are PEG Ratio, Revenue Growth, Market Cap.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
GSBC profiles as a value stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
USB is growing revenue faster at 5.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 65/100), backed by strong 28.7% margins. GSBC offers better value entry with a 66.8% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Great Southern Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Great Southern Bancorp, Inc. is a banking holding company for Great Southern Bank offering a range of financial services in the United States. The company is headquartered in Springfield, Missouri.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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