Great Southern Bancorp, Inc. (GSBC) 10-Year Financial Performance & Capital Metrics

GSBC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingMidwest Community Banks

AboutGreat 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 deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.Show more

Net Interest Income $189M -2.1%
Total Revenue $355M +8.7%
Net Income $62M -8.8%
Return on Equity 10.55% -14.0%
Net Interest Margin 3.16% -4.9%
Efficiency Ratio 39.83% -7.7%
ROA 1.05% -11.2%
Equity / Assets 10.02% +1.9%
Book Value per Share 51.01 +7.7%
Tangible BV/Share 50.15 +7.9%
Debt/Equity 0.28 -8.2%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 39.8% efficiency ratio
✓Well capitalized: 10.0% equity/assets
✓Healthy dividend yield of 2.5%
✓Share count reduced 2.7% through buybacks
✓Trading near 52-week high
✓Trading at only 1.3x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y5.14%

5Y5.96%

3Y14.45%

TTM-

Profit (Net Income) CAGR

10Y3.57%

5Y-3.44%

3Y-6.09%

TTM15.98%

EPS CAGR

10Y5.43%

5Y0.46%

3Y-1.24%

TTM18.04%

ROCE

10Y Avg10.63%

5Y Avg10.27%

3Y Avg9.91%

Latest6.76%

Peer Comparison

Midwest Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFSLTFS Financial Corporation	3.97B	14.13	44.16	4.37%	11.49%	4.41%	1.15%	2.57
ASBAssociated Banc-Corp	4.43B	26.70	37.08	4.42%	5.85%	3.62%	12.08%	0.69
ASBAAssociated Banc-Corp	4.11B	24.78	30.98	-6.56%	12.92%	3.77%	13.02%	0.17
BANFBancFirst Corporation	3.81B	114.30	17.75	12.28%	23.81%	13.33%	5.89%	0.05
SYBTStock Yards Bancorp, Inc.	2.03B	68.83	17.69	15.84%	22.86%	12.99%	6.56%	0.53
PRKPark National Corporation	2.63B	163.76	17.57	14.4%	23.46%	13.22%	6.44%	0.24
NICNicolet Bankshares, Inc.	1.97B	133.08	16.53	24.6%	23.88%	11.4%	5.95%	0.14
LKFNLakeland Financial Corporation	1.52B	59.47	16.38	9.38%	21.74%	13.06%	6.18%

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	168.35M	163.06M	155.16M	168.19M	180.39M	177.14M	177.92M	199.61M	193.22M	189.14M
NII Growth %	0%	-0.03%	-0.05%	0.08%	0.07%	-0.02%	0%	0.12%	-0.03%	-0.02%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	184.35M	185.18M	183.06M	205.95M	234.99M	217.7M	198.67M	226.98M	296.83M	324.7M
Interest Expense	16M	22.12M	27.91M	37.76M	54.6M	40.56M	20.75M	27.36M	103.62M	135.56M
Loan Loss Provision	5.52M	9.28M	9.1M	7.15M	6.15M	15.87M	-5.76M	6.19M	-3.08M	2.72M
Non-Interest Income+	31.93M	35.45M	31.31M	28.8M	30.96M	35.05M	38.32M	34.14M	30.07M	30.57M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	216.28M	220.62M	214.37M	234.75M	265.95M	252.75M	236.99M	261.12M	326.91M	355.26M
Revenue Growth %	0.01%	0.02%	-0.03%	0.1%	0.13%	-0.05%	-0.06%	0.1%	0.25%	0.09%
Non-Interest Expense	132.69M	127.36M	107.04M	107.9M	115.14M	123.22M	127.64M	133.37M	141.02M	141.5M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	62.07M	61.86M	70.32M	81.95M	90.06M	73.09M	94.36M	94.2M	85.34M	75.5M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.08%	-0%	0.14%	0.17%	0.1%	-0.19%	0.29%	-0%	-0.09%	-0.12%
Pretax Income+	62.07M	61.86M	70.32M	81.95M	90.06M	73.09M	94.36M	94.2M	85.34M	75.5M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	15.56M	16.52M	18.76M	14.84M	16.45M	13.78M	19.74M	18.25M	17.54M	13.69M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	46.5M	45.34M	51.56M	67.11M	73.61M	59.31M	74.63M	75.95M	67.8M	61.81M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.07%	-0.02%	0.14%	0.3%	0.1%	-0.19%	0.26%	0.02%	-0.11%	-0.09%
Net Income (Continuing)	46.5M	45.34M	51.56M	67.11M	73.61M	59.31M	74.63M	75.95M	67.8M	61.81M
EPS (Diluted)+	3.28	3.21	3.64	4.71	5.14	4.21	5.46	6.02	5.61	5.26
EPS Growth %	0.06%	-0.02%	0.13%	0.29%	0.09%	-0.18%	0.3%	0.1%	-0.07%	-0.06%
EPS (Basic)	3.33	3.26	3.67	4.75	5.18	4.22	5.50	6.07	5.65	5.28
Diluted Shares Outstanding	14.01M	14.13M	14.18M	14.25M	14.33M	14.1M	13.67M	12.61M	12.08M	11.76M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	199.18M	279.77M	242.25M	202.74M	220.16M	563.73M	717.27M	168.52M	211.33M	195.76M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Total Investments+	3.62B	3.99B	3.91B	4.23B	4.54B	4.73B	4.52B	5.2B	5.27B	5.42B
Investments Growth %	0.06%	0.1%	-0.02%	0.08%	0.07%	0.04%	-0.04%	0.15%	0.01%	0.03%
Long-Term Investments	3.35B	3.78B	3.73B	3.99B	4.16B	4.31B	4.02B	4.71B	4.79B	5.42B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	1.17M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M
Intangible Assets	4.59M	7.1M	5.45M	3.89M	2.7M	1.55M	685K	5.42M	5.13M	4.7M
PP&E (Net)	129.66M	140.6M	138.02M	132.42M	141.91M	139.17M	132.73M	141.07M	138.59M	132.47M
Other Assets	71.28M	58.84M	33.18M	20.88M	19M	11.68M	8.74M	31.05M	132.56M	170.98M
Total Current Assets	544.35M	562.07M	497.83M	522.96M	682.84M	1.05B	1.29B	783.63M	740.23M	249.95M
Total Non-Current Assets	3.56B	3.99B	3.92B	4.15B	4.33B	4.47B	4.16B	4.9B	5.07B	5.73B
Total Assets+	4.1B	4.55B	4.41B	4.68B	5.02B	5.53B	5.45B	5.68B	5.81B	5.98B
Asset Growth %	0.04%	0.11%	-0.03%	0.06%	0.07%	0.1%	-0.01%	0.04%	0.02%	0.03%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	1.08M	2.72M	2.9M	3.57M	4.25M	2.59M	646K	3.01M	6.22M	12.76M
Total Debt+	406.8M	416.79M	324.1M	397.59M	381.48M	339.86M	238.32M	277.98M	172.81M	166.34M
Net Debt	207.61M	137.02M	81.84M	194.85M	161.33M	-223.87M	-478.94M	109.46M	-38.53M	-29.41M
Long-Term Debt	289.32M	130.76M	226.96M	99.62M	100.05M	174.17M	99.76M	100.06M	100.35M	100.65M
Short-Term Debt	117.48M	286.02M	97.14M	297.98M	281.43M	165.69M	138.56M	177.93M	72.45M	65.69M
Other Liabilities	4.68M	4.64M	5.32M	5.09M	41.26M	7.54M	16.17M	107.91M	263.43M	597.41M
Total Current Liabilities	3.41B	3.99B	3.71B	4.04B	4.27B	4.71B	4.72B	4.94B	4.88B	4.68B
Total Non-Current Liabilities	294M	135.41M	232.28M	104.71M	141.31M	181.71M	115.92M	207.96M	363.79M	698.06M
Total Liabilities	3.71B	4.12B	3.94B	4.14B	4.41B	4.9B	4.83B	5.15B	5.24B	5.38B
Total Equity+	398.23M	429.81M	471.66M	531.98M	603.07M	629.74M	616.75M	533.09M	571.83M	599.57M
Equity Growth %	-0.05%	0.08%	0.1%	0.13%	0.13%	0.04%	-0.02%	-0.14%	0.07%	0.05%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.11%	0.11%	0.11%	0.13%	0.13%	0.1%	0.12%	0.13%	0.12%	0.11%
Book Value per Share	28.43	30.43	33.26	37.34	42.08	44.65	45.10	42.29	47.34	51.01
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	139K	140K	141K	142K	143K	138K	131K	122K	118K	117K
Additional Paid-in Capital	24.37M	25.94M	28.2M	30.12M	33.51M	35M	38.31M	42.45M	44.32M	50.34M
Retained Earnings	368.05M	402.17M	442.08M	492.09M	537.17M	541.45M	545.55M	543.88M	569.87M	603.48M
Accumulated OCI	5.66M	1.56M	1.24M	9.63M	32.25M	53.15M	32.76M	-53.35M	-42.48M	-54.36M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	71.43M	80.64M	62.82M	94.19M	86.42M	46.05M	84.98M	66.58M	80.7M	44.06M
Operating CF Growth %	0.06%	0.13%	-0.22%	0.5%	-0.08%	-0.47%	0.85%	-0.22%	0.21%	-0.45%
Net Income	46.5M	45.34M	51.56M	67.11M	73.61M	59.31M	74.63M	75.95M	67.8M	61.81M
Depreciation & Amortization	13.89M	13.47M	11.85M	11.41M	11.63M	12.08M	11.14M	9.68M	9.31M	8.95M
Deferred Taxes	-4.67M	-3.62M	9.42M	-4.45M	1.07M	-11.48M	3.71M	2.48M	2.98M	457K
Other Non-Cash Items	12.3M	8.08M	8.56M	5.7M	-4.72M	3.67M	-6.77M	2.88M	-17.59M	-15.64M
Working Capital Changes	3.02M	16.88M	-19.15M	13.69M	3.91M	-18.69M	1.04M	-25.85M	16.57M	-13.28M
Cash from Investing+	-196.19M	-198.73M	81.38M	-381.32M	-295.15M	-131.35M	190.71M	-801.28M	-88.21M	-175.39M
Purchase of Investments	-21.34M	-71.9M	-3.85M	-93.38M	-207.63M	-118.3M	-177.47M	-360.73M	-5.44M	-92.63M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	26.54M	0	-50.36M	-178.4M	-153.94M	296.39M	3.98M	0	0
Other Investing	-278.24M	-258.42M	55.76M	-254.49M	14.33M	7.89M	5.38M	-517.97M	-109.59M	-116.63M
Cash from Financing+	105.3M	198.68M	-181.71M	247.62M	226.14M	428.87M	-122.15M	185.95M	50.32M	115.75M
Dividends Paid	-12.29M	-12.23M	-12.89M	-15.82M	-29.05M	-33.43M	-18.8M	-19.18M	-19.28M	-18.71M
Share Repurchases	0	0	0	-903K	-849K	-22.1M	-39.12M	-61.85M	-23.33M	-15.15M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	281.45M	200.96M	-76M	191M	241.7M	557.52M	37.51M	139.51M	35.9M	-105.63M
Net Change in Cash+	-19.46M	80.59M	-37.52M	-39.51M	17.41M	343.57M	153.54M	-548.75M	42.81M	-15.58M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	218.65M	199.18M	279.77M	242.25M	202.74M	220.16M	563.73M	717.27M	168.52M	211.33M
Cash at End	199.18M	279.77M	242.25M	202.74M	220.16M	563.73M	717.27M	168.52M	211.33M	195.76M
Interest Paid	0	0	0	0	0	0	22.7M	25M	100.41M	129.02M
Income Taxes Paid	0	0	0	0	0	0	12.96M	10.26M	7.89M	3.65M
Free Cash Flow+	54.71M	69.61M	55.3M	84.72M	74.51M	37.7M	79.24M	46.47M	73.4M	39.14M
FCF Growth %	0.11%	0.27%	-0.21%	0.53%	-0.12%	-0.49%	1.1%	-0.41%	0.58%	-0.47%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	11.37%	10.95%	11.44%	13.37%	12.97%	9.62%	11.97%	13.21%	12.27%	10.55%
Return on Assets (ROA)	1.15%	1.05%	1.15%	1.48%	1.52%	1.13%	1.36%	1.36%	1.18%	1.05%
Net Interest Margin	4.1%	3.58%	3.51%	3.6%	3.6%	3.21%	3.26%	3.51%	3.32%	3.16%
Efficiency Ratio	61.35%	57.73%	49.93%	45.96%	43.29%	48.75%	53.86%	51.07%	43.14%	39.83%
Equity / Assets	9.7%	9.44%	10.68%	11.38%	12.03%	11.4%	11.32%	9.38%	9.84%	10.02%
Book Value / Share	28.43	30.43	33.26	37.34	42.08	44.65	45.1	42.28	47.34	51.01
NII Growth	0.47%	-3.15%	-4.84%	8.4%	7.25%	-1.8%	0.44%	12.19%	-3.21%	-2.11%
Dividend Payout	26.43%	26.98%	25.01%	23.57%	39.47%	56.36%	25.19%	25.26%	28.44%	30.27%

Revenue by Segment

	2024
Banking	1.23M
Banking Growth	-

Frequently Asked Questions

Valuation & Price

Great Southern Bancorp, Inc. (GSBC) has a price-to-earnings (P/E) ratio of 12.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Great Southern Bancorp, Inc. (GSBC) grew revenue by 8.7% over the past year. This is steady growth.

Yes, Great Southern Bancorp, Inc. (GSBC) is profitable, generating $69.6M in net income for fiscal year 2024 (17.4% net margin).

Dividend & Returns

Yes, Great Southern Bancorp, Inc. (GSBC) pays a dividend with a yield of 2.47%. This makes it attractive for income-focused investors.

Great Southern Bancorp, Inc. (GSBC) has a return on equity (ROE) of 10.6%. This is reasonable for most industries.

Industry Metrics

Great Southern Bancorp, Inc. (GSBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

Great Southern Bancorp, Inc. (GSBC) has an efficiency ratio of 39.8%. This is excellent, indicating strong cost control.

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