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GSBCGreat Southern Bancorp, Inc.
$80.76$880M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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GSBC logo

Great Southern Bancorp, Inc.

GSBC
NASDAQ · Regional Banks
$80.76
At close - Nov 6, 4:00 PM EST - USD
Market Cap$880M
P/E14.0x
52W High$84.36
Volume59.3K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Thin Margins and Shrinking Fees Pressure GSBC Earnings

Great Southern Bancorp's net interest income has drifted from $51.0M in 2025Q2 to $50.3M in 2026Q3, and its net interest margin has stayed in a narrow 0.8 to 0.9 percent band, suggesting repricing pressure is outweighing loan growth.

GrowthContracting
ProfitabilityStrained
ValuationExpensive
TechnicalsStrong
Explore valuation models
MARKET ACTION

GSBC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

+11% Peers

P/E is 11% above peer median

03

Market leadership

RS 80 · Leader

High momentum (Outperforming 80% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 21

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
GSBC+33.83%
S&P 500 (^GSPC)+7.63%
1-Year Return
GSBC+44.68%
S&P 500 (^GSPC)+9.69%
3-Year Return
GSBC+65.02%
S&P 500 (^GSPC)+68.82%
5-Year Return
GSBC+52.24%
S&P 500 (^GSPC)+56.85%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
14.0x
Forward P/EExpansion
13.9x
EV/EBITDA100th %ile
14.6x
FCF YieldCash Flow
7.9%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
14.0x
10.6x
100th· High
EV/EBITDA
14.6x
8.0x
100th· High
Price/FCF
12.7x
10.6x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$230M+4.6% YoY
Net income FY25
$71M+14.8% YoY
Free cash flow FY25
$66M+69.2% YoY
Operating margin FY25
38%+3.6 pts YoY
ROIC (FY25)7.2%
Avg ROIC 5Y7.8%
ROE (TTM)10.1%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate10/12 (83%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 21, 2026
$1.27-8.6%
vs $1.39
$54M-4.3%
vs $56M
Q3 2026
Jul 15, 2026
$1.45+5.1%
vs $1.38
$57M+2.9%
vs $55M
Q2 2026
Apr 15, 2026
$1.58+24.4%
vs $1.27
$55M+1.1%
vs $55M
Q1 2026
Jan 21, 2026
$1.45+5.1%
vs $1.38
$56M+2.4%
vs $55M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·Oct 22, 2026
Great Southern Bancorp, Inc. (GSBC) Q3 2026 Earnings Call Transcript

Great Southern Bancorp, Inc. ( GSBC ) Q3 2026 Earnings Call October 22, 2026 3:00 PM EDT Company Participants Christina Maldonado Joseph Turner - President, CEO & Director Rex Copeland - CFO & Treasurer Conference Call Participants John Rodis - Brean Capital, LLC, Research Division Damon Del Monte - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Thank you. Good day and thank you for standing by.

MarketBeat·Oct 22, 2026
Great Southern Bancorp Q3 Earnings Call Highlights

Great Southern Bancorp NASDAQ: GSBC reported third-quarter 2026 preliminary net income of $14.0 million, or $1.27 per diluted share, as a non-cash hedge accounting adjustment reduced reported earnings. Excluding that item, the company said operating, non-GAAP net income was $16.5 million, or $1.50 per diluted share.

Zacks Investment Research·Oct 21, 2026
Great Southern Bancorp (GSBC) Beats Q3 Earnings and Revenue Estimates

Great Southern Bancorp (GSBC) came out with quarterly earnings of $1.5 per share, beating the Zacks Consensus Estimate of $1.39 per share. This compares to earnings of $1.56 per share a year ago.

GlobeNewsWire·Oct 21, 2026
Great Southern Bancorp, Inc. Reports Preliminary Third Quarter Earnings of $1.27 Per Diluted Common Share Earnings Negatively Impacted in This Period by Non-Cash Hedge Accounting Adjustment

Preliminary Financial Results and Business Update for the Quarter Ended September 30, 2026 Preliminary Financial Results and Business Update for the Quarter Ended September 30, 2026

Filtered for Great Southern Bancorp, Inc.More Headlines
04

Compare before deciding

Benchmark GSBC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Great Southern Bancorp, Inc. (GSBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
GSBC logoGSBCGreat Southern Bancorp, Inc.Current
$80.76$879.73M14.024.59%29.51%10.07%2.03%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
IBCP logoIBCPIndependent Bank Corporation
$36.31$748.21M11.254.57%29.92%13.61%2.85%
SFNC logoSFNCSimmons First National Corporation
$23.34$3.39B13.00-86.6%27.54%7.61%3.66%
UBSI logoUBSIUnited Bankshares, Inc.
$48.22$6.64B12.8820.13%41.28%9.37%3.07%
CBSH logoCBSHCommerce Bancshares, Inc.
$55.04$8.02B13.116.26%32.56%14.27%1.97%

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

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

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

Oct 22, 2026·SEC

Material company update

Jul 16, 2026·SEC

Material company update

Jun 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 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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GSBC Frequently Asked Questions

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

Growth & Financials
How fast is Great Southern Bancorp, Inc. growing?

Great Southern Bancorp, Inc. (GSBC) revenue fell by 6.5% over the trailing twelve months, compared with the twelve months before.

Is GSBC profitable?

Yes. Great Southern Bancorp, Inc. (GSBC) earned $63.6M in net income over the trailing twelve months (a 29.5% net margin).

Dividend & Returns
Does GSBC pay dividends?

Yes. Great Southern Bancorp, Inc. (GSBC) pays a dividend that yields 2.03% at the current price, a moderate yield.

What is GSBC's return on equity?

Great Southern Bancorp, Inc. (GSBC) had a return on equity (ROE) of 10.1% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Great Southern Bancorp, Inc.'s net interest margin?

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

What is Great Southern Bancorp, Inc.'s efficiency ratio?

Great Southern Bancorp, Inc. (GSBC) has an efficiency ratio of 62.0%. This is reasonable for a bank.

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

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

See returns →