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Great Southern Bancorp, Inc.

Great Southern Bancorp, Inc.

NASDAQ•GSBC
CEO: Mr. Joseph William Turner J.D.
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1989-12-15
Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides 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, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. The company was founded in 1923 and is headquartered in Springfield, Missouri.
Contact Information
1451 East Battlefield, Springfield, MO, 65804, United States
417-887-4400
www.greatsouthernbank.com
Market Cap
$731.72M
P/E (TTM)
10.9
14.8
Dividend Yield
2.5%
52W High
$66.85
52W Low
$47.57
52W Range
92%
Rank50Top 56.1%
3.5
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$86.14M-5.12%
4-Quarter Trend

EPS

$1.56+10.64%
4-Quarter Trend

FCF

$3.85M-76.72%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Growth Strong Net income rose 7.7% to $17.8M for the quarter, driven by NII growth and significantly lower credit loss provisions.
NIM Expansion Continues Quarterly Net Interest Margin improved 30 basis points to 3.72% year-over-year, benefiting from lower funding costs outpacing loan yield declines.
Capital Strength Significantly Improved Tangible common equity ratio reached 10.88%, up 101 basis points from year-end 2024, reflecting strong retained earnings and capital management.
Credit Costs Remain Low No provision expense recorded for loans this quarter; ACL coverage remains adequate at 1.45% of net loans ($64.7M coverage).

Risk Factors

Net Loan Portfolio Shrinking Net loans decreased $222.7M year-to-date to $4.47B, primarily due to payoffs in construction and other residential segments.
Interest Rate Risk Exposure Significant loan portfolio ($1.54B) tied to SOFR indexes, sensitive to future rate movements despite current portfolio matching strategies.
Deposit Base Contracted Sequentially Total deposits fell $77.5M sequentially, driven by a $92.1M reduction in brokered deposits used to repay short-term borrowings.
Non-Interest Expense Rising Quarterly non-interest expense increased 7.1% ($2.4M), driven by technology upgrades and higher salaries and employee benefits costs.

Outlook

Focus on Credit Quality Strategy continues focusing on maintaining appropriate credit risk levels, emphasizing pricing discipline and credit quality in loan originations.
Technology Investment Continues Core provider projects are moving to trial phase; new next-generation banking center opened in October 2025 to test innovations.
Tax Rate Assessment Ongoing Assessing the expected impact of the One Big Beautiful Bill Act (OBBBA) enacted in July 2025 on future tax provisions.
Liquidity Management Stable Management believes liquidity is sufficient, supported by FHLB line availability ($1.11B remaining credit line at period end).

Peer Comparison

Revenue (TTM)

Business First Bancshares, Inc.BFST
$509.73M
+18.0%
Hanmi Financial CorporationHAFC
$438.96M
+3.1%
CNB Financial CorporationCCNE
$395.00M
+11.3%

Gross Margin (Latest Quarter)

CNB Financial CorporationCCNE
92.8%
+33.8pp
MetroCity Bankshares, Inc.MCBS
62.7%
+2.6pp
Five Star BancorpFSBC
58.1%
+4.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HBNC$945.99M-4.6-25.2%6.8%
HAFC$869.00M12.09.6%0.0%
TRST$840.47M14.88.3%2.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-1.3%
Flat Growth
4Q Net Income CAGR
6.0%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 20, 2026
|
EPS:$1.38
|
Revenue:$55.03M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $86.14M-5.1%
    |
    EPS: $1.56+10.6%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $89.19M-1.7%
    |
    EPS: $1.73+18.5%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $86.83M+3.1%
    |
    EPS: $1.47+28.9%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 7, 2025|
    Revenue: $355.26M+8.7%
    |
    EPS: $5.28-6.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $90.79M+9.2%
    |
    EPS: $1.41+6.0%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $90.76M+11.5%
    |
    EPS: $1.46-3.9%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: Apr 30, 2024|
    Revenue: $84.20M+6.1%
    |
    EPS: $1.14-32.1%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 12, 2024|
    Revenue: $326.91M+25.2%
    |
    EPS: $5.65-6.9%
    Beat