8-K Announcements
6Apr 16, 2026·SEC
Mar 18, 2026·SEC
Feb 17, 2026·SEC
Great Southern Bancorp, Inc. (GSBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Great Southern Bancorp, Inc. (GSBC) stock price & volume — 10-year historical chart
Great Southern Bancorp, Inc. (GSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Great Southern Bancorp, Inc. (GSBC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 15, 2026 | $1.58vs $1.27+24.4% | $55Mvs $55M+1.1% |
| Q2 2026 | Mar 6, 2026 | $1.43 | $81M |
| Q1 2026 | Jan 21, 2026 | $1.45vs $1.38+5.1% | $56Mvs $55M+2.4% |
| Q4 2025 | Oct 15, 2025 | $1.56vs $1.55+0.6% | $58Mvs $55M+5.1% |
Great Southern Bancorp, Inc. (GSBC) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
Great Southern Bancorp, Inc. (GSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Great Southern Bancorp, Inc. (GSBC) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 155.16M | 168.19M | 180.39M | 177.14M | 177.92M | 199.61M | 193.22M | 189.14M | 200.23M |
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 | 183.06M | 205.95M | 234.99M | 217.7M | 198.67M | 226.98M | 296.83M | 324.7M | 313.73M |
Interest Expense | 27.91M | 37.76M | 54.6M | 40.56M | 20.75M | 27.36M | 103.62M | 135.56M | 113.5M |
Loan Loss Provision | 9.1M | 7.15M | 6.15M | 15.87M | -5.76M | 6.19M | -3.08M | 2.72M | 45K |
Non-Interest Income | 31.31M | 28.8M | 30.96M | 35.05M | 38.32M | 34.14M | 30.07M | 30.57M | 29.57M |
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 | 107.04M | 107.9M | 115.14M | 123.22M | 127.64M | 133.37M | 141.02M | 141.5M | 142.46M |
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 | 18.76M | 14.84M | 16.45M | 13.78M | 19.74M | 18.25M | 17.54M | 13.69M | 16.32M |
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) | 51.56M | 67.11M | 73.61M | 59.31M | 74.63M | 75.95M | 67.8M | 61.81M | 70.97M |
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) | 3.67 | 4.75 | 5.18 | 4.22 | 5.50 | 6.07 | 5.65 | 5.28 | 6.23 |
Diluted Shares Outstanding | 14.18M | 14.25M | 14.33M | 14.1M | 13.67M | 12.61M | 12.08M | 11.76M | 11.4M |
Great Southern Bancorp, Inc. (GSBC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 421.43M | 446.71M | 594.33M | 978.66M | 1.22B | 659.11M | 689.54M | 195.76M | 825.51M |
Cash & Due from Banks | 242.25M | 202.74M | 220.16M | 563.73M | 717.27M | 168.52M | 211.33M | 195.76M | 97.97M |
Short Term Investments | 179.18M | 243.97M | 374.18M | 414.93M | 501.03M | 490.59M | 478.21M | 0 | 727.55M |
Total Investments | 3.91B | 4.23B | 4.54B | 4.73B | 4.52B | 5.2B | 5.27B | 5.42B | 5.17B |
Investments Growth % | -1.92% | 8.2% | 7.15% | 4.23% | -4.49% | 15.22% | 1.23% | 2.84% | -4.53% |
Long-Term Investments | 3.73B | 3.99B | 4.16B | 4.31B | 4.02B | 4.71B | 4.79B | 5.42B | 5.17B |
Accounts Receivables | 12.34M | 13.45M | 13.53M | 12.79M | 10.71M | 19.11M | 21.21M | 20.43M | 18.07M |
Goodwill & Intangibles | 10.85M | 9.29M | 8.1M | 6.94M | 6.08M | 10.81M | 10.53M | 10.09M | 9.66M |
Goodwill | 5.4M | 5.4M | 5.4M | 5.4M | 5.4M | 5.4M | 5.4M | 5.4M | 5.4M |
Intangible Assets | 5.45M | 3.89M | 2.7M | 1.55M | 685K | 5.42M | 5.13M | 4.7M | 4.26M |
PP&E (Net) | 138.02M | 132.42M | 141.91M | 139.17M | 132.73M | 141.07M | 138.59M | 132.47M | 133.26M |
Other Assets | 33.18M | 20.88M | 19M | 11.68M | 8.74M | 31.05M | 132.56M | 170.98M | -542.38M |
Total Current Assets | 497.83M | 522.96M | 682.84M | 1.05B | 1.29B | 783.63M | 740.23M | 249.95M | 825.51M |
Total Non-Current Assets | 3.92B | 4.15B | 4.33B | 4.47B | 4.16B | 4.9B | 5.07B | 5.73B | 4.77B |
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 | 2.9M | 3.57M | 4.25M | 2.59M | 646K | 3.01M | 6.22M | 12.76M | 3.61M |
Total Debt | 324.1M | 397.59M | 381.48M | 339.86M | 238.32M | 277.98M | 172.81M | 166.34M | 405.17M |
Net Debt | 81.84M | 194.85M | 161.33M | -223.87M | -478.94M | 109.46M | -38.53M | -29.41M | 307.2M |
Long-Term Debt | 226.96M | 99.62M | 100.05M | 174.17M | 99.76M | 100.06M | 100.35M | 100.65M | 25.77M |
Short-Term Debt | 97.14M | 297.98M | 281.43M | 165.69M | 138.56M | 177.93M | 72.45M | 65.69M | 379.39M |
Other Liabilities | 5.32M | 5.09M | 41.26M | 7.54M | 16.17M | 107.91M | 263.43M | 597.41M | 3.16B |
Total Current Liabilities | 3.71B | 4.04B | 4.27B | 4.71B | 4.72B | 4.94B | 4.88B | 4.68B | 325.06M |
Total Non-Current Liabilities | 232.28M | 104.71M | 141.31M | 181.71M | 115.92M | 207.96M | 363.79M | 698.06M | 3.19B |
Total Liabilities | 3.94B | 4.14B | 4.41B | 4.9B | 4.83B | 5.15B | 5.24B | 5.38B | 4.96B |
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 | 33.26 | 37.34 | 42.08 | 44.65 | 45.10 | 42.29 | 47.34 | 51.01 | 55.82 |
Tangible BV per Share | 32.50 | 36.69 | 41.52 | 44.16 | 44.66 | 41.43 | 46.47 | 50.15 | 54.97 |
Common Stock | 141K | 142K | 143K | 138K | 131K | 122K | 118K | 117K | 111K |
Additional Paid-in Capital | 28.2M | 30.12M | 33.51M | 35M | 38.31M | 42.45M | 44.32M | 50.34M | 54.12M |
Retained Earnings | 442.08M | 492.09M | 537.17M | 541.45M | 545.55M | 543.88M | 569.87M | 603.48M | 614.1M |
Accumulated OCI | 1.24M | 9.63M | 32.25M | 53.15M | 32.76M | -53.35M | -42.48M | -54.36M | -32.2M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Great Southern Bancorp, Inc. (GSBC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 62.82M | 94.19M | 86.42M | 46.05M | 84.98M | 66.58M | 80.7M | 44.06M | 77.71M |
Operating CF Growth % | -22.1% | 49.95% | -8.26% | -46.72% | 84.54% | -21.65% | 21.21% | -45.4% | 76.35% |
Net Income | 51.56M | 67.11M | 73.61M | 59.31M | 74.63M | 75.95M | 67.8M | 61.81M | 70.97M |
Depreciation & Amortization | 11.85M | 11.41M | 11.63M | 12.08M | 11.14M | 9.68M | 9.31M | 8.95M | 0 |
Deferred Taxes | 9.42M | -4.45M | 1.07M | -11.48M | 3.71M | 2.48M | 2.98M | 457K | 0 |
Other Non-Cash Items | 8.56M | 5.7M | -4.72M | 3.67M | -6.77M | 2.88M | -17.59M | -15.64M | -6.75M |
Working Capital Changes | -19.15M | 13.69M | 3.91M | -18.69M | 1.04M | -25.85M | 16.57M | -13.28M | 13.48M |
Cash from Investing | 81.38M | -381.32M | -295.15M | -131.35M | 190.71M | -801.28M | -88.21M | -175.39M | 370.99M |
Purchase of Investments | -3.85M | -93.38M | -207.63M | -118.3M | -177.47M | -360.73M | -5.44M | -92.63M | 0 |
Sale/Maturity of Investments | 36.87M | 26.37M | 88.46M | 141.35M | 72.15M | 93.54M | 34.12M | 38.79M | 0 |
Net Investment Activity | 33.02M | -67.01M | -119.17M | 23.05M | -105.32M | -267.18M | 28.68M | -53.84M | 0 |
Acquisitions | 0 | -50.36M | -178.4M | -153.94M | 296.39M | 3.98M | 0 | 0 | 0 |
Other Investing | 55.76M | -254.49M | 14.33M | 7.89M | 5.38M | -517.97M | -109.59M | -116.63M | 370.99M |
Cash from Financing | -181.71M | 247.62M | 226.14M | 428.87M | -122.15M | 185.95M | 50.32M | 115.75M | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.82M |
Net Stock Activity | 0 | -903K | -849K | -22.1M | -39.12M | -61.85M | -23.33M | -15.15M | -39.64M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K |
Other Financing | -76M | 191M | 241.7M | 557.52M | 37.51M | 139.51M | 35.9M | -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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 279.77M | 242.25M | 202.74M | 220.16M | 563.73M | 717.27M | 168.52M | 211.33M | 195.76M |
Cash at End | 242.25M | 202.74M | 220.16M | 563.73M | 717.27M | 168.52M | 211.33M | 195.76M | 189.55M |
Interest Paid | 0 | 0 | 0 | 0 | 22.7M | 25M | 100.41M | 129.02M | 122.65M |
Income Taxes Paid | 0 | 0 | 0 | 0 | 12.96M | 10.26M | 7.89M | 3.65M | 4.33M |
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% |
Great Southern Bancorp, Inc. (GSBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
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 | 30.43 | 33.26 | 37.34 | 42.08 | 44.65 | 45.1 | 42.28 | 47.34 | 51.01 | 55.82 |
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% |
Great Southern Bancorp, Inc. (GSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 16, 2026·SEC
Mar 18, 2026·SEC
Feb 17, 2026·SEC
Great Southern Bancorp, Inc. (GSBC) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.