Great Southern Bancorp Inc (GSBC)vsU.S. Bancorp (USB)
GSBC
Great Southern Bancorp Inc
$82.02
+0.63%
FINANCIAL SERVICES · Cap: $860.14M
USB
U.S. Bancorp
$59.60
+1.75%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 12194% more annual revenue ($27.89B vs $226.83M). USB leads profitability with a 30.0% profit margin vs 29.7%. USB appears more attractively valued with a PEG of 1.79. USB earns a higher WallStSmart Score of 73/100 (B).
GSBC
Buy58
out of 100
Grade: C
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 34.7%
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Elevated debt levels
Revenue declined 4.1%
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : GSBC
The strongest argument for GSBC centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 29.7% and operating margin at 34.7%.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : GSBC
The primary concerns for GSBC are PEG Ratio, Market Cap, Debt/Equity. Debt-to-equity of 1.73 is elevated, increasing financial risk.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
GSBC profiles as a declining stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 58/100), backed by strong 30.0% margins. 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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