Great American Bancorp, Inc (GTPS) Fair Value & Analysis

Financial Services · US · Market cap $25.3M

A solid business, screening 65% undervalued on our models.

What matters now

• The price is below even our cautious bear case ($90.21). The market is more pessimistic than our downside scenario.
• Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $17.60 – $77.62 · fair‑value band $90.21 – $150.35 · the $72.80 price screens below the $120.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Great American Bancorp, Inc (GTPS) currently trades at $72.80, while our model-based Fair Value estimate is $120.28, implying the stock looks roughly 65.2% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Great American Bancorp, Inc generated revenue of $13.6M at a net margin of 24.6%. Revenue grew 3.7% year over year. It earns a return on equity of 12.9%. The balance sheet holds a net cash position of $3.8M. Fundamentals as of Jul 26, 2026

Our scenario range runs from $90.21 (bear case) to $150.35 (bull case); at $72.80, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 37% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 65%, GTPS screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples ($105.73) versus Dividend Discount ($8.42). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Great American Bancorp, Inc. operates as a thrift holding company for First Federal Savings Bank of Champaign-Urbana that provides various banking and financial services to individual and corporate customers primarily in Champaign County, Illinois.

Full company description

Great American Bancorp, Inc. operates as a thrift holding company for First Federal Savings Bank of Champaign-Urbana that provides various banking and financial services to individual and corporate customers primarily in Champaign County, Illinois. The company's deposit products include demand deposits, non-interest-bearing and interest-bearing deposits, savings accounts, time deposits, and money market accounts. It also provides loan products comprising 1-4 family residential real estate loans; loans secured by multi-family residential real estate and commercial properties or land; construction loans, including 1-4 family, multi-family, and commercial construction loans; commercial loans; and consumer loans, such as home equity loans, auto and mobile home loans, other secured and unsecured loans, and lines of credit. It also provides full-service brokerage activities through a third-party broker-dealer. In addition, the company offers insurance products, including life, health, auto, property, and casualty insurance to individuals and businesses. Great American Bancorp, Inc. was founded in 1908 and is based in Champaign, Illinois.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Great American Bancorp, Inc reported revenue of $13.5M in FY2025 versus $8.4M in FY2021, a compound +12.6%/yr. Reported net income was $3.3M in FY2025, compounding +69.7%/yr from FY2021.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.