Head-To-Head Analysis: Great Southern Bancorp (GSBC) & Pinnacle Bancshares (PCLB)

Great Southern Bancorp (NASDAQ:GSBC) and Pinnacle Bancshares (OTCMKTS:PCLB) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, valuation, dividends, profitability, institutional ownership, earnings and analyst recommendations.

Profitability

This table compares Great Southern Bancorp and Pinnacle Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Great Southern Bancorp 26.65% 12.81% 1.39%
Pinnacle Bancshares 25.28% 9.71% 1.12%

Dividends

Great Southern Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 2.5%. Pinnacle Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 1.8%. Great Southern Bancorp pays out 34.8% of its earnings in the form of a dividend. Great Southern Bancorp has raised its dividend for 4 consecutive years. Great Southern Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Insider & Institutional Ownership

43.3% of Great Southern Bancorp shares are held by institutional investors. Comparatively, 6.0% of Pinnacle Bancshares shares are held by institutional investors. 23.0% of Great Southern Bancorp shares are held by company insiders. Comparatively, 14.4% of Pinnacle Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Risk and Volatility

Great Southern Bancorp has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500. Comparatively, Pinnacle Bancshares has a beta of 0.13, meaning that its share price is 87% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for Great Southern Bancorp and Pinnacle Bancshares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Great Southern Bancorp 0 2 0 0 2.00
Pinnacle Bancshares 0 0 0 0 N/A

Great Southern Bancorp currently has a consensus price target of $57.00, suggesting a potential upside of 9.91%. Given Great Southern Bancorp’s higher possible upside, equities research analysts clearly believe Great Southern Bancorp is more favorable than Pinnacle Bancshares.

Earnings and Valuation

This table compares Great Southern Bancorp and Pinnacle Bancshares’ top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Great Southern Bancorp $221.59 million 3.31 $51.56 million $3.68 14.09
Pinnacle Bancshares $9.43 million 2.67 $2.29 million N/A N/A

Great Southern Bancorp has higher revenue and earnings than Pinnacle Bancshares.

Summary

Great Southern Bancorp beats Pinnacle Bancshares on 13 of the 14 factors compared between the two stocks.

About Great Southern Bancorp

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposits, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, and commercial business loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits, home improvement loans, and unsecured consumer loans. As of October 17, 2018, it operated 99 retail banking centers and approximately 200 automated teller machines in Missouri, Arkansas, Iowa, Kansas, Minnesota, and Nebraska; and commercial lending offices in Atlanta, Chicago, Dallas, Omaha, Nebraska, as well as in Tulsa, Okla. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

About Pinnacle Bancshares

Pinnacle Bancshares, Inc. operates as the bank holding company for Pinnacle Bank that provides banking products and services in Alabama. The company's deposit products include savings accounts, checking accounts, individual retirement accounts, money market deposit accounts, certificates of deposit, interest accounts, and student accounts, as well as demand and time deposits. Its loan portfolio comprises commercial real estate loans, real estate construction and development loans, residential real estate loans, and other real estate loans; commercial non-real estate loans, such as commercial, financial, agricultural, and municipal tax free loans; home mortgage loans; and consumer loans comprising installment loans, overdrafts, and other revolving credit loans, as well as automobile, recreational vehicle, boat, second and vacation home, construction, and bridge loans. The company also offers phone and online banking services; and other services, including merchant services, transfer and payment, automated clearing house, payroll direct deposit, e-statement, safe deposit box, and remote deposit services, as well as notary services. It operates seven offices in the central and northwest Alabama. Pinnacle Bancshares, Inc. was founded in 1935 and is based in Jasper, Alabama.

Receive News & Ratings for Great Southern Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Great Southern Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.

Leave a Reply