Great Southern Bancorp (NASDAQ:GSBC) & AMB Financial (OTCMKTS:AMFC) Financial Analysis

Great Southern Bancorp (NASDAQ:GSBC) and AMB Financial (OTCMKTS:AMFC) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, risk, profitability, earnings and valuation.

Analyst Ratings

This is a breakdown of recent recommendations for Great Southern Bancorp and AMB Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Great Southern Bancorp	0	3	1	0	2.25
AMB Financial	0	0	0	0	0.00

Great Southern Bancorp currently has a consensus price target of $59.50, suggesting a potential downside of 6.65%. Given Great Southern Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Great Southern Bancorp is more favorable than AMB Financial.

Dividends

Great Southern Bancorp pays an annual dividend of $1.72 per share and has a dividend yield of 2.7%. AMB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 0.9%. Great Southern Bancorp pays out 28.6% of its earnings in the form of a dividend.

Insider and Institutional Ownership

41.7% of Great Southern Bancorp shares are held by institutional investors. Comparatively, 1.2% of AMB Financial shares are held by institutional investors. 27.9% of Great Southern Bancorp shares are held by insiders. Comparatively, 37.7% of AMB Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Great Southern Bancorp and AMB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Great Southern Bancorp	19.80%	11.28%	1.18%
AMB Financial	N/A	N/A	N/A

Risk and Volatility

Great Southern Bancorp has a beta of 0.52, meaning that its share price is 48% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.16, meaning that its share price is 84% less volatile than the S&P 500.

Earnings & Valuation

This table compares Great Southern Bancorp and AMB Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Great Southern Bancorp	$355.26 million	2.01	$61.81 million	$6.02	10.59
AMB Financial	$18.97 million	1.50	$2.19 million	N/A	N/A

Great Southern Bancorp has higher revenue and earnings than AMB Financial.

Summary

Great Southern Bancorp beats AMB Financial on 12 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 provides 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 deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. The company was founded in 1923 and is headquartered in Springfield, Missouri.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.