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GSBCGreat Southern Bancorp, Inc.
$74.23$846M
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GSBC logoGreat Southern Bancorp, Inc.(GSBC)Earnings, Financials & Key Ratios

GSBC•NASDAQ•Banking & Credit
12.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional 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$200M+5.9%
  • Total Revenue$343M-3.4%
  • Net Income$71M+14.8%
  • Return on Equity11.49%+8.9%
  • Net Interest Margin3.58%+13.1%
  • Efficiency Ratio41.5%+4.2%
  • ROA1.23%+17.0%
  • Equity / Assets11.36%+13.4%
  • Book Value per Share55.82+9.4%

GSBC Key Insights

Great Southern Bancorp, Inc. (GSBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Strong NIM of 3.6%
  • ✓Efficient operations: 41.5% efficiency ratio
  • ✓Well capitalized: 11.4% equity/assets
  • ✓Healthy dividend yield of 2.2%
  • ✓Share count reduced 3.0% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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GSBC Price & Volume

Great Southern Bancorp, Inc. (GSBC) stock price & volume — 10-year historical chart

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GSBC Growth Metrics

Great Southern Bancorp, Inc. (GSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.73%
5 Years6.32%
3 Years9.55%
TTM-

Profit CAGR

10 Years4.32%
5 Years3.65%
3 Years-2.23%
TTM14.83%

EPS CAGR

10 Years6.56%
5 Years8.01%
3 Years0.93%
TTM17.49%

Return on Capital

10 Years10.02%
5 Years8.92%
3 Years6.53%
Last Year2.66%

GSBC Recent Earnings

Great Southern Bancorp, Inc. (GSBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 9/12 qtrs (90%)
Q2 2026Latest
Apr 15, 2026
Metric
Actual
Est
EPS
$1.58+24.4%
$1.27
Rev
$55M+1.1%
$55M
Q2 2026
Mar 6, 2026
Metric
Actual
Est
EPS
$1.43
—
Rev
$81M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.45+5.1%
$1.38
Rev
$56M+2.4%
$55M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$1.56+0.6%
$1.55
Rev
$58M+5.1%
$55M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 15, 2026
$1.58vs $1.27+24.4%
$55Mvs $55M+1.1%
Q2 2026Mar 6, 2026
$1.43
$81M
Q1 2026Jan 21, 2026
$1.45vs $1.38+5.1%
$56Mvs $55M+2.4%
Q4 2025Oct 15, 2025
$1.56vs $1.55+0.6%
$58Mvs $55M+5.1%
Based on last 12 quarters of dataView full earnings history →

GSBC Peer Comparison

Great Southern Bancorp, Inc. (GSBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
UBSI logoUBSIUnited Bankshares, Inc.Direct Competitor6.2B44.4213.5812.33%25.52%8.6%0.17
CBSH logoCBSHCommerce Bancshares, Inc.Direct Competitor8.04B54.7313.412.23%26.47%15.34%0.79
BOKF logoBOKFBOK Financial CorporationDirect Competitor7.92B130.3314.20-1.07%17.38%9.79%0.78
HOMB logoHOMBHome Bancshares, Inc.Product Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
FBIZ logoFBIZFirst Business Financial Services, Inc.Product Competitor503.41M60.349.966.43%18.74%14.12%0.70

Compare GSBC vs Peers

Great Southern Bancorp, Inc. (GSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for GSBC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare GSBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, IBCP, SFNC, UBSI

GSBC Income Statement

Great Southern Bancorp, Inc. (GSBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
155.16M168.19M180.39M177.14M177.92M199.61M193.22M189.14M200.23M
NII Growth %
-4.84%8.4%7.25%-1.8%0.44%12.19%-3.21%-2.11%5.86%
Net Interest Margin %
3.51%3.6%3.6%3.21%3.26%3.51%3.32%3.16%3.58%
Interest Income
183.06M205.95M234.99M217.7M198.67M226.98M296.83M324.7M313.73M
Interest Expense
27.91M37.76M54.6M40.56M20.75M27.36M103.62M135.56M113.5M
Loan Loss Provision
9.1M7.15M6.15M15.87M-5.76M6.19M-3.08M2.72M45K
Non-Interest Income
31.31M28.8M30.96M35.05M38.32M34.14M30.07M30.57M29.57M
Non-Interest Income %
14.6%12.27%11.64%13.87%16.17%13.07%9.2%8.6%8.61%
Total Revenue
214.37M▲ 0%
234.75M▲ 9.5%
265.95M▲ 13.3%
252.75M▼ 5.0%
236.99M▼ 6.2%
261.12M▲ 10.2%
326.91M▲ 25.2%
355.26M▲ 8.7%
343.3M▼ 3.4%
Revenue Growth %
-2.83%9.51%13.29%-4.96%-6.24%10.18%25.2%8.67%-3.37%
Non-Interest Expense
107.04M107.9M115.14M123.22M127.64M133.37M141.02M141.5M142.46M
Efficiency Ratio
49.93%45.96%43.29%48.75%53.86%51.07%43.14%39.83%41.5%
Operating Income
70.32M▲ 0%
81.95M▲ 16.5%
90.06M▲ 9.9%
73.09M▼ 18.8%
94.36M▲ 29.1%
94.2M▼ 0.2%
85.34M▼ 9.4%
75.5M▼ 11.5%
87.3M▲ 15.6%
Operating Margin %
32.8%34.91%33.86%28.92%39.82%36.08%26.11%21.25%25.43%
Operating Income Growth %
13.68%16.54%9.9%-18.84%29.1%-0.17%-9.4%-11.54%15.63%
Pretax Income
70.32M▲ 0%
81.95M▲ 16.5%
90.06M▲ 9.9%
73.09M▼ 18.8%
94.36M▲ 29.1%
94.2M▼ 0.2%
85.34M▼ 9.4%
75.5M▼ 11.5%
87.3M▲ 15.6%
Pretax Margin %
32.8%34.91%33.86%28.92%39.82%36.08%26.11%21.25%25.43%
Income Tax
18.76M14.84M16.45M13.78M19.74M18.25M17.54M13.69M16.32M
Effective Tax Rate %
26.67%18.11%18.26%18.85%20.92%19.38%20.56%18.13%18.7%
Net Income
51.56M▲ 0%
67.11M▲ 30.1%
73.61M▲ 9.7%
59.31M▼ 19.4%
74.63M▲ 25.8%
75.95M▲ 1.8%
67.8M▼ 10.7%
61.81M▼ 8.8%
70.97M▲ 14.8%
Net Margin %
24.05%28.59%27.68%23.47%31.49%29.09%20.74%17.4%20.67%
Net Income Growth %
13.72%30.15%9.69%-19.42%25.82%1.77%-10.73%-8.84%14.83%
Net Income (Continuing)
51.56M67.11M73.61M59.31M74.63M75.95M67.8M61.81M70.97M
EPS (Diluted)
3.64▲ 0%
4.71▲ 29.4%
5.14▲ 9.1%
4.21▼ 18.1%
5.46▲ 29.7%
6.02▲ 10.3%
5.61▼ 6.8%
5.26▼ 6.2%
6.19▲ 17.7%
EPS Growth %
13.4%29.4%9.13%-18.09%29.69%10.26%-6.81%-6.24%17.68%
EPS (Basic)
3.674.755.184.225.506.075.655.286.23
Diluted Shares Outstanding
14.18M14.25M14.33M14.1M13.67M12.61M12.08M11.76M11.4M

GSBC Balance Sheet

Great Southern Bancorp, Inc. (GSBC) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
421.43M446.71M594.33M978.66M1.22B659.11M689.54M195.76M825.51M
Cash & Due from Banks
242.25M202.74M220.16M563.73M717.27M168.52M211.33M195.76M97.97M
Short Term Investments
179.18M243.97M374.18M414.93M501.03M490.59M478.21M0727.55M
Total Investments
3.91B4.23B4.54B4.73B4.52B5.2B5.27B5.42B5.17B
Investments Growth %
-1.92%8.2%7.15%4.23%-4.49%15.22%1.23%2.84%-4.53%
Long-Term Investments
3.73B3.99B4.16B4.31B4.02B4.71B4.79B5.42B5.17B
Accounts Receivables
12.34M13.45M13.53M12.79M10.71M19.11M21.21M20.43M18.07M
Goodwill & Intangibles
10.85M9.29M8.1M6.94M6.08M10.81M10.53M10.09M9.66M
Goodwill
5.4M5.4M5.4M5.4M5.4M5.4M5.4M5.4M5.4M
Intangible Assets
5.45M3.89M2.7M1.55M685K5.42M5.13M4.7M4.26M
PP&E (Net)
138.02M132.42M141.91M139.17M132.73M141.07M138.59M132.47M133.26M
Other Assets
33.18M20.88M19M11.68M8.74M31.05M132.56M170.98M-542.38M
Total Current Assets
497.83M522.96M682.84M1.05B1.29B783.63M740.23M249.95M825.51M
Total Non-Current Assets
3.92B4.15B4.33B4.47B4.16B4.9B5.07B5.73B4.77B
Total Assets
4.41B▲ 0%
4.68B▲ 5.9%
5.02B▲ 7.2%
5.53B▲ 10.2%
5.45B▼ 1.4%
5.68B▲ 4.2%
5.81B▲ 2.3%
5.98B▲ 2.9%
5.6B▼ 6.4%
Asset Growth %
-2.99%5.93%7.25%10.2%-1.38%4.23%2.32%2.91%-6.4%
Return on Assets (ROA)
1.15%1.48%1.52%1.13%1.36%1.36%1.18%1.05%1.23%
Accounts Payable
2.9M3.57M4.25M2.59M646K3.01M6.22M12.76M3.61M
Total Debt
324.1M397.59M381.48M339.86M238.32M277.98M172.81M166.34M405.17M
Net Debt
81.84M194.85M161.33M-223.87M-478.94M109.46M-38.53M-29.41M307.2M
Long-Term Debt
226.96M99.62M100.05M174.17M99.76M100.06M100.35M100.65M25.77M
Short-Term Debt
97.14M297.98M281.43M165.69M138.56M177.93M72.45M65.69M379.39M
Other Liabilities
5.32M5.09M41.26M7.54M16.17M107.91M263.43M597.41M3.16B
Total Current Liabilities
3.71B4.04B4.27B4.71B4.72B4.94B4.88B4.68B325.06M
Total Non-Current Liabilities
232.28M104.71M141.31M181.71M115.92M207.96M363.79M698.06M3.19B
Total Liabilities
3.94B4.14B4.41B4.9B4.83B5.15B5.24B5.38B4.96B
Total Equity
471.66M▲ 0%
531.98M▲ 12.8%
603.07M▲ 13.4%
629.74M▲ 4.4%
616.75M▼ 2.1%
533.09M▼ 13.6%
571.83M▲ 7.3%
599.57M▲ 4.9%
636.13M▲ 6.1%
Equity Growth %
9.74%12.79%13.36%4.42%-2.06%-13.57%7.27%4.85%6.1%
Equity / Assets (Capital Ratio)
10.68%11.38%12.03%11.4%11.32%9.38%9.84%10.02%11.36%
Return on Equity (ROE)
11.44%13.37%12.97%9.62%11.97%13.21%12.27%10.55%11.49%
Book Value per Share
33.2637.3442.0844.6545.1042.2947.3451.0155.82
Tangible BV per Share
32.5036.6941.5244.1644.6641.4346.4750.1554.97
Common Stock
141K142K143K138K131K122K118K117K111K
Additional Paid-in Capital
28.2M30.12M33.51M35M38.31M42.45M44.32M50.34M54.12M
Retained Earnings
442.08M492.09M537.17M541.45M545.55M543.88M569.87M603.48M614.1M
Accumulated OCI
1.24M9.63M32.25M53.15M32.76M-53.35M-42.48M-54.36M-32.2M
Treasury Stock
000000000
Preferred Stock
000000000

GSBC Cash Flow Statement

Great Southern Bancorp, Inc. (GSBC) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
62.82M94.19M86.42M46.05M84.98M66.58M80.7M44.06M77.71M
Operating CF Growth %
-22.1%49.95%-8.26%-46.72%84.54%-21.65%21.21%-45.4%76.35%
Net Income
51.56M67.11M73.61M59.31M74.63M75.95M67.8M61.81M70.97M
Depreciation & Amortization
11.85M11.41M11.63M12.08M11.14M9.68M9.31M8.95M0
Deferred Taxes
9.42M-4.45M1.07M-11.48M3.71M2.48M2.98M457K0
Other Non-Cash Items
8.56M5.7M-4.72M3.67M-6.77M2.88M-17.59M-15.64M-6.75M
Working Capital Changes
-19.15M13.69M3.91M-18.69M1.04M-25.85M16.57M-13.28M13.48M
Cash from Investing
81.38M-381.32M-295.15M-131.35M190.71M-801.28M-88.21M-175.39M370.99M
Purchase of Investments
-3.85M-93.38M-207.63M-118.3M-177.47M-360.73M-5.44M-92.63M0
Sale/Maturity of Investments
36.87M26.37M88.46M141.35M72.15M93.54M34.12M38.79M0
Net Investment Activity
33.02M-67.01M-119.17M23.05M-105.32M-267.18M28.68M-53.84M0
Acquisitions
0-50.36M-178.4M-153.94M296.39M3.98M000
Other Investing
55.76M-254.49M14.33M7.89M5.38M-517.97M-109.59M-116.63M370.99M
Cash from Financing
-181.71M247.62M226.14M428.87M-122.15M185.95M50.32M115.75M-454.9M
Dividends Paid
-12.89M-15.82M-29.05M-33.43M-18.8M-19.18M-19.28M-18.71M-18.72M
Share Repurchases
0-903K-849K-22.1M-39.12M-61.85M-23.33M-15.15M-44.46M
Stock Issued
000000004.82M
Net Stock Activity
0-903K-849K-22.1M-39.12M-61.85M-23.33M-15.15M-39.64M
Debt Issuance (Net)
-1000K1000K1000K-1000K-1000K1000K1000K1000K-1000K
Other Financing
-76M191M241.7M557.52M37.51M139.51M35.9M-105.63M-122.24M
Net Change in Cash
-37.52M▲ 0%
-39.51M▼ 5.3%
17.41M▲ 144.1%
343.57M▲ 1873.1%
153.54M▼ 55.3%
-548.75M▼ 457.4%
42.81M▲ 107.8%
-15.58M▼ 136.4%
-6.2M▲ 60.2%
Exchange Rate Effect
000000000
Cash at Beginning
279.77M242.25M202.74M220.16M563.73M717.27M168.52M211.33M195.76M
Cash at End
242.25M202.74M220.16M563.73M717.27M168.52M211.33M195.76M189.55M
Interest Paid
000022.7M25M100.41M129.02M122.65M
Income Taxes Paid
000012.96M10.26M7.89M3.65M4.33M
Free Cash Flow
55.3M▲ 0%
84.72M▲ 53.2%
74.51M▼ 12.1%
37.7M▼ 49.4%
79.24M▲ 110.2%
46.47M▼ 41.4%
73.4M▲ 58.0%
39.14M▼ 46.7%
66.24M▲ 69.2%
FCF Growth %
-20.57%53.22%-12.06%-49.4%110.19%-41.35%57.95%-46.68%69.24%

GSBC Banking Ratios

Great Southern Bancorp, Inc. (GSBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
10.95%11.44%13.37%12.97%9.62%11.97%13.21%12.27%10.55%11.49%
Return on Assets (ROA)
1.05%1.15%1.48%1.52%1.13%1.36%1.36%1.18%1.05%1.23%
Net Interest Margin
3.58%3.51%3.6%3.6%3.21%3.26%3.51%3.32%3.16%3.58%
Efficiency Ratio
57.73%49.93%45.96%43.29%48.75%53.86%51.07%43.14%39.83%41.5%
Equity / Assets
9.44%10.68%11.38%12.03%11.4%11.32%9.38%9.84%10.02%11.36%
Book Value / Share
30.4333.2637.3442.0844.6545.142.2847.3451.0155.82
NII Growth
-3.15%-4.84%8.4%7.25%-1.8%0.44%12.19%-3.21%-2.11%5.86%
Dividend Payout
26.98%25.01%23.57%39.47%56.36%25.19%25.26%28.44%30.27%26.38%
Related:GSBC Dividend History·GSBC Revenue History·GSBC Price History·GSBC P/E History·GSBC Financial Ratios·GSBC Institutional Holders

GSBC SEC Filings & Documents

Great Southern Bancorp, Inc. (GSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 16, 2026·SEC

Material company update

Mar 18, 2026·SEC

Material company update

Feb 17, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 12, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 7, 2025·SEC

GSBC Frequently Asked Questions

Great Southern Bancorp, Inc. (GSBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Great Southern Bancorp, Inc. (GSBC) saw revenue decline by 3.4% over the past year.

Yes, Great Southern Bancorp, Inc. (GSBC) is profitable, generating $71.0M in net income for fiscal year 2025 (20.7% net margin).

Dividend & Returns

Yes, Great Southern Bancorp, Inc. (GSBC) pays a dividend with a yield of 2.21%. This makes it attractive for income-focused investors.

Great Southern Bancorp, Inc. (GSBC) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.

Industry Metrics

Great Southern Bancorp, Inc. (GSBC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

Great Southern Bancorp, Inc. (GSBC) has an efficiency ratio of 41.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in GSBC back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

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How much would $100/month in GSBC be worth today?

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