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Great Southern BancorpGSBC +3.55%61 Debt-to-Equity is 0.78 as of Mar. 2026, which is 59% above its 10-year median of 0.49. GuruFocus rates GSBC with a GF Score™ of 61/100 and a GF Value™ of $58.44 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,423 Banks companies, Great Southern Bancorp ranks worse than 59.87% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Great Southern Bancorp's Debt-to-Equity or its related term are showing as below:
GSBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.16 Med: 0.49 Max: 1.11
Current: 0.78
During the past 13 years, the highest Debt-to-Equity Ratio of Great Southern Bancorp was 1.11. The lowest was 0.16. And the median was 0.49.
GSBC's Debt-to-Equity is ranked worse than 59.87% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs GSBC: 0.78
Great Southern Bancorp (NAS:GSBC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Great Southern Bancorp Debt-to-Equity Related Terms
Great Southern Bancorp Debt-to-Equity Historical Data
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The historical data trend for Great Southern Bancorp's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
GSBC vs CCBG, FCBC, PGC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Great Southern Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Great Southern Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Great Southern Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Great Southern Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Great Southern Bancorp (GSBC) has a Debt-to-Equity of 0.78 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Great Southern Bancorp and its competitors. This is 59% above median its historical median of 0.49. Over the past decade, Great Southern Bancorp's Debt-to-Equity has ranged from 0.16 to 1.11. According to the industry distribution chart, Great Southern Bancorp ranks #852 out of 1423 companies in the Banks industry, placing it in the top 59.9%.
Is Great Southern Bancorp's Debt-to-Equity too high?
Great Southern Bancorp's current Debt-to-Equity of 0.78 is 59% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.11. The Banks industry median Debt-to-Equity is 0.56. Great Southern Bancorp's value of 0.78 is 39.3% above this industry median. Based on the distribution chart, Great Southern Bancorp ranks #852 out of 1423 companies in the Banks industry, which is below the industry midpoint. Overall, Great Southern Bancorp has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great Southern Bancorp's Debt-to-Equity compare to CCBG and FCBC?
According to the Banks industry distribution chart, Great Southern Bancorp ranks #852 out of 1423 companies for Debt-to-Equity. This places Great Southern Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Great Southern Bancorp's value of 0.78 is 39.3% above this benchmark. Historically, Great Southern Bancorp's own Debt-to-Equity has ranged from 0.16 to 1.11 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 0.56, Great Southern Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Great Southern Bancorp's current Debt-to-Equity of 0.78 is 39.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Great Southern Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Great Southern Bancorp's current Debt-to-Equity is 0.78, which is 59% above median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great Southern Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great Southern Bancorp (GSBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.44, compared to a current price of $80.11 — trading 37.1% above its estimated fair value. The current Debt-to-Equity is 0.78, which is 59% above median its 10-year median of 0.49 and 39.3% above the Banks industry median of 0.56. Great Southern Bancorp's overall GF Score™ is 61/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Great Southern Bancorp (GSBC), the current Debt-to-Equity is 0.78 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Great Southern Bancorp (GSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Great Southern Bancorp stock appears to be overvalued.
The current stock price of $80.11 is trading 37.1% above its estimated GF Value™ of $58.44.
GuruFocus considers Great Southern Bancorp to be Significantly Overvalued.
Key valuation signals for GSBC:
Debt-to-Equity: 0.78 (59% above median its 10-year median of 0.49)
GF Value™: $58.44 vs. price of $80.11 (37.1% above fair value)
Industry Position: 39.3% above the Banks median (#852 of 1423)
No single metric tells the full story. See the GSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great Southern Bancorp Inc is a bank holding company. Through its subsidiaries, the company mainly offers a variety of banking and banking-related services, such as accepting deposits, granting loans and advances, offering mobile banking services, issuing debit and credit cards, safe deposit boxes, ATM facilities, and other related products and services. These services are offered through full-service retail banking offices and loan production offices located across different states in the U.S., including Missouri, Iowa, Kansas, Minnesota, Nebraska, Arkansas, and others.
61GF Score
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