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GSBC

Great Southern Bancorp, Inc.

GSBC

Great Southern Bancorp, Inc. • NASDAQ
$60.16 ▼ -0.12% (-0.07)
Market Cap $673.15 M
52w High $66.98
52w Low $47.57
Dividend Yield 1.63%
P/E 10.01
Volume 22.88K
Outstanding Shares 11.19M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $86.141M ▼ $36.116M ▲ $17.752M ▼ 20.608% ▼ $1.56 ▼ $24.192M ▼
Q2-2025 $89.187M ▲ $34.895M ▲ $19.786M ▲ 22.185% ▲ $1.73 ▲ $26.342M ▲
Q1-2025 $86.833M ▼ $34.822M ▼ $17.16M ▲ 19.762% ▲ $1.47 ▲ $23.605M ▲
Q4-2024 $89.519M ▼ $36.947M ▲ $14.922M ▼ 16.669% ▼ $1.27 ▼ $20.159M ▼
Q3-2024 $90.788M $33.717M $16.49M 18.163% $1.41 $21.538M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $673.837M ▼ $5.738B ▼ $5.105B ▼ $632.926M ▲
Q2-2025 $721.687M ▲ $5.855B ▼ $5.232B ▼ $622.368M ▲
Q1-2025 $217.181M ▲ $5.994B ▲ $5.381B ▼ $613.293M ▲
Q4-2024 $195.756M ▼ $5.982B ▼ $5.382B ▼ $599.568M ▼
Q3-2024 $773.59M $6.037B $5.424B $612.09M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $17.752M ▼ $5.588M ▼ $68.645M ▼ $-123.911M ▲ $-49.678M ▼ $3.851M ▼
Q2-2025 $19.786M ▲ $39.308M ▲ $161.552M ▲ $-172.128M ▼ $28.732M ▲ $34.911M ▲
Q1-2025 $17.16M ▲ $15M ▲ $9.392M ▼ $-2.967M ▲ $21.425M ▲ $13.068M ▲
Q4-2024 $14.922M ▼ $9.786M ▼ $16.112M ▲ $-38.507M ▼ $-12.609M ▼ $8.354M ▼
Q3-2024 $16.49M $17.712M $-47.318M $51.502M $21.896M $16.54M

Revenue by Products

Product Q1-2025Q2-2025Q3-2025
Banking Segment
Banking Segment
 $0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has been edging higher over the past few years, showing a slow but steady growth path. Profitability has been consistently positive, which is important for a regional bank, but earnings per share have slipped from their recent peak. That suggests pressure on margins, likely from higher funding costs and competitive deposit rates, even as the core business remains healthy. Operating and pre‑tax profits have been relatively stable, indicating disciplined cost control and credit quality, but not explosive growth. Overall, this looks like a conservative, steady earner dealing with a tougher interest‑rate and competition backdrop.

Balance Sheet

Balance Sheet The balance sheet looks conservative and fairly resilient. Total assets have grown gradually, not aggressively, which fits a cautious lending culture. Equity has trended upward, pointing to ongoing retention of earnings and a solid capital base. Debt levels appear manageable relative to the size of the bank, suggesting limited reliance on wholesale borrowing. Cash balances spiked earlier in the decade and have since normalized to more typical levels, which is common as stimulus‑era liquidity worked through the system. The picture is of a bank that prioritizes stability and capital strength over rapid balance‑sheet expansion.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive, though it moves around from year to year as you would expect in a bank. Free cash flow largely tracks operating cash flow, helped by relatively light spending on physical capital. That indicates the business is not very capital‑intensive outside of technology and branch investments. The pattern suggests the bank is able to fund its needs and shareholder returns from internal cash generation rather than stretching its finances, but investors should remember that for banks, cash‑flow statements can be noisy because of loan and deposit movements.

Competitive Edge

Competitive Edge Great Southern sits in the regional bank space with deep community roots and a reputation for conservative lending. Its long history and local relationships can be a meaningful edge in winning and keeping customers, particularly small businesses and real estate borrowers. Strong credit discipline, with historically low problem loans, is a competitive strength during downturns. At the same time, it faces the usual pressures: intense competition for deposits, larger national banks with broader product sets, and digital‑only players attacking fee and lending niches. The bank’s mix of community focus and selective specialization in commercial and real estate lending gives it a defensible niche, but not an unassailable one, so maintaining credit quality and deposit loyalty is key.

Innovation and R&D

Innovation and R&D For a bank of its size, Great Southern is leaning fairly hard into technology. The move to a modern Fiserv core system should make it easier to launch new products, connect with fintech partners, and improve efficiency, though execution risk and transition costs are real. Interactive Teller Machines extend branch hours and blend human service with automation, giving the bank a differentiated “high‑tech, high‑touch” feel in its markets. The use of nCino for commercial lending streamlines loan processing and can improve both customer experience and internal productivity. Digital initiatives like the Business+ platform (in another market) show a willingness to experiment with niche, digital‑first offerings. Overall, innovation spend is more about systems and process modernization than classic R&D, with the potential to slowly widen margins and deepen customer ties if well executed.

Summary

Great Southern Bancorp comes across as a cautious, consistently profitable regional bank that is modernizing its operations. Earnings have been solid but not on a straight upward path, reflecting interest‑rate swings and competitive pressure on margins. The balance sheet looks sturdy, with steady capital build and prudent leverage, consistent with a conservative credit culture. Cash generation supports the idea of a self‑funding, stable franchise rather than a high‑growth story. Competitively, its strengths lie in community relationships, credit discipline, and improved technology, offset by the usual regional‑bank risks: economic downturns in its footprint, commercial real‑estate exposure, and deposit competition. Its technology projects and branch innovations aim to keep it relevant and efficient, but investors will want to watch how those initiatives translate into better customer growth, sustained credit quality, and more resilient profitability over time.

NEWS

October 15, 2025 · 6:00 PM UTC

Great Southern Bancorp, Inc. Reports Preliminary Third Quarter Earnings of $1.56 Per Diluted Common Share

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September 26, 2025 · 4:05 PM UTC

Great Southern Bancorp, Inc. Announces Third Quarter 2025 Preliminary Earnings Release Date and Conference Call

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September 17, 2025 · 4:01 PM UTC

Great Southern Bancorp, Inc. announces quarterly dividend of $0.43 per common share

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