Great Southern Bancorp, Inc. (GSBC) Fair Value 2026

GSBC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-28, Great Southern Bancorp, Inc. (GSBC) trades at $78.87, versus a $59.65 median fair value across its 6 active models — 24.4% below the current price. QOC: 7.9/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
GSBC
Price
$78.87
Quality Score
7.9/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Great Southern Bancorp, Inc. (GSBC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Great Southern Bancorp, Inc. (GSBC) appears overvalued as of : the median of 6 independent fair value estimates is $59.65, 24.4% below the current price of $78.87. Estimates range from $43.42 to $66.83. GSBC scores 7.9/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. GSBC’s -24.4% gap is wider than that market norm, and the Banks - Regional sector median is -22.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Great Southern Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give GSBC?

6 Intrinsic Value Models vs. Current Price ($78.87)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $66.83 -15.3%
Ensemble · Medium Conviction
 $59.37 -24.7%
Intrinsic · High Conviction
 $59.94 -24.0%
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What Is GSBC's Fair Value Range?

Spread across 6 independent models · $43.42 to $66.83

CirclFi's 6 active models place Great Southern Bancorp, Inc. (GSBC) between $43.42 and $66.83 per share, a spread of 39% of the median. The median of that range — $59.65 — is the fair value CirclFi publishes for GSBC, against a current price of $78.87.

Low · Regime CrossHigh · EPV
$43.42median $59.65$66.83
Where the range comes from
Most bearish modelRegime Cross-Sectional$43.42
Most bullish modelEarnings Power Value (EPV)$66.83
Model agreement0 bullish · 6 bearishtight

The methods largely agree on GSBC. A band this narrow usually means stable, predictable cash flows that every approach reads the same way, and it is the strongest form of confirmation this engine can produce.

Every figure above is one model's standalone output on GSBC, not a CirclFi price target. How each model works →

What Is Great Southern Bancorp, Inc. (GSBC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Great Southern Bancorp, Inc.'s intrinsic value is estimated at $59.65, suggesting the stock is overvalued at its current price of $78.87. With 6 out of 6 models flagging downside (-24.4% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About GSBC?

6 of 13 models are currently active for GSBC. All 6 active models suggest the stock trades above fair value. Taken together, their median fair value for GSBC is $59.65 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does GSBC Rank in Banks - Regional?

Among 352 Banks - Regional stocks, GSBC ranks #193 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, Great Southern Bancorp, Inc. competes in an environment where loan loss provisions often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is GSBC a Value Trap?

CirclFi's Value Trap algorithm assigns GSBC a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Great Southern Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Great Southern Bancorp, Inc. is rated at 7.9/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

Models cluster within a tight range (+29.7% spread), increasing conviction. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every GSBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across GSBC's 6 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Great Southern Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

ACNBACNB CorporationQOC 7.9AUBAtlantic Union Bankshares CorporationQOC 7.9HBIAHills BancorporationQOC 7.9EBMTEagle Bancorp Montana, Inc.QOC 7.9CATYCathay General BancorpQOC 7.9FITBFifth Third BancorpQOC 7.9ALRSAlerus Financial CorporationQOC 7.3TCBITexas Capital Bancshares, Inc.QOC 8.8FULTFulton Financial CorporationQOC 8.3STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: ACNB · AUB · HBIA · EBMT · CATY · FITB · ALRS · TCBI · FULT · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to GSBC?

7 companies across all industries closest to GSBC’s Quality of Company score of 7.9/10.

MDPediatrix Medical Group, Inc.QOC 7.9CLXThe Clorox CompanyQOC 7.9LHXL3Harris Technologies, Inc.QOC 7.9IMXIInternational Money Express, Inc.QOC 7.9HCAHCA Healthcare, Inc.QOC 7.9HPQHP Inc.QOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MD · CLX · LHX · IMXI · HCA · HPQ · NVDA

Where Does GSBC Sit in CirclFi's Banks - Regional Rankings?

GSBC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Great Southern Bancorp, Inc.’s Valuation?

What is Great Southern Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Great Southern Bancorp, Inc. (GSBC)'s intrinsic value at $59.65 — the median of 6 independent model estimates as of 2026-08-28, ranging from $43.42 to $66.83. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is GSBC overvalued or undervalued right now?

At $78.87, 0 of 6 active models suggest GSBC may be undervalued, while 6 indicate potential overvaluation. The median of all 6 fair value estimates is $59.65, 24.4% below the current price of $78.87 — a consensus view that GSBC is overvalued. The assessment depends on which methodology best fits Great Southern Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.9 mean for GSBC?

Great Southern Bancorp, Inc.'s QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on GSBC?

CirclFi analyzes GSBC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on GSBC?

Of the 6 models currently active on GSBC, Earnings Power Value (EPV) is the most bullish at $66.83 per share, and Regime Cross-Sectional is the most bearish at $43.42. CirclFi's published fair value for GSBC is the median of that range, $59.65, not either extreme. The gap between the two ends equals 39% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is GSBC a value trap in 2026?

Great Southern Bancorp, Inc.'s Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Great Southern Bancorp, Inc. (GSBC) has a median fair value of $59.65 — 24.4% below the current price of $78.87 — as of 2026-08-28.” Source: circlfi.com/stock/GSBC/ · Methodology
Primary sources for this GSBC valuation
  • Financial statements: Great Southern Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000854560) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for GSBC as of ; valuations recomputed .

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