Great Southern Bancorp, Inc. (GSBC) vs South Plains Financial, Inc. (SPFI)

Great Southern Bancorp, Inc. and South Plains Financial, Inc. are both Banks Regional companies. Great Southern Bancorp, Inc. and South Plains Financial, Inc. are of similar size ($859.1M and $807.3M). South Plains Financial, Inc. trades at the lower P/E: 11.3× against 13.0×. South Plains Financial, Inc. grew revenue faster over the last twelve months: 6.59% against −8.85%. South Plains Financial, Inc. has the higher net margin (20.8% vs 20.7%) and the lower return on invested capital (0.00% vs 10.5%). Both pay a dividend; Great Southern Bancorp, Inc. yields more (3.23% vs 2.08%). Across the 20 metrics below, South Plains Financial, Inc. leads on 16 and Great Southern Bancorp, Inc. on 4.

Valuation

Metric GSBC SPFI Banks Regional median
P/E 13.00 11.26 12.15
P/S 2.64 2.62 2.37
P/B 1.34 1.30 1.21
Price to free cash flow 19.38 10.87 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.17 0.30 2.27
Earnings yield 7.69% 8.88% 8.11%
Free cash flow yield 5.16% 9.20% 8.98%

Profitability

Metric GSBC SPFI Banks Regional median
Gross margin 69.71% 72.40% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.72% 20.79% 18.66%
Free cash flow margin 13.64% 24.14% 21.18%
Return on equity 10.65% 12.01% 10.64%
Return on assets 1.18% 1.33% 1.13%
Return on invested capital 10.48% 0.00% 8.33%

Growth

Metric GSBC SPFI Banks Regional median
Revenue growth (TTM) (8.85%) 6.59% 6.61%
EPS growth (last fiscal year) 17.68% 17.81% —
Revenue growth, 5-year CAGR 6.28% 4.36% 12.30%
Net income growth, 5-year CAGR 3.65% 5.21% 9.71%

Health

Metric GSBC SPFI Banks Regional median
Debt to equity 0.04 0.10 0.22
Current ratio 0.93 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GSBC SPFI Banks Regional median
Dividend yield 3.23% 2.08% 3.75%
Payout ratio 0.25 0.13 0.27

Size

Metric GSBC SPFI Banks Regional median
Market cap 859.05m 807.26m 921.07m

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