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

$758.30M

P/E (TTM)

10.9

15.4

Dividend Yield

2.5%

52W High

$68.74

52W Low

$49.31

52W Range

95%

Rank48Top 64.4%

3.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$80.76M-9.78%

4-Quarter Trend

EPS

$1.43+12.60%

4-Quarter Trend

FCF

$14.41M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income and NIM Improvement Net Income rose 14.8% to $71.0M in 2025. NIM improved 25 basis points to 3.67% driven by lower funding costs.

Asset Quality Shows Improvement Asset quality improved significantly; NPL ratio dropped to 0.05% of total loans. ACL coverage remains strong at 1.46% of loans.

Strong Capital Adequacy Maintained Capital strength remains robust; Bank's CET1 ratio was 13.0% at year-end 2025, well above required regulatory minimums.

Efficiency Ratio Improved Efficiency ratio improved to 61.91% in 2025, reflecting better cost control. Non-interest expense growth moderated despite technology investments.

Risk Factors

Macroeconomic Conditions Risk Economic downturns in key markets like Missouri/Texas could impair borrower repayment ability and increase loan defaults and losses.

Interest Rate Sensitivity Risk Rapid shifts in market rates could still negatively impact net interest income if asset/liability repricing lags, despite current NIM stability.

Wholesale Funding Volatility Reliance on brokered deposits ($663.4M) and FHLB advances exposes funding costs to volatile wholesale market conditions.

Technology and Cybersecurity Exposure Exposure to operational risks, including cybersecurity threats and potential system failures/disruptions from increasing AI adoption, remains a concern.

Outlook

Focus on CRE Lending Strategy emphasizes commercial real estate lending growth while maintaining appropriate credit risk levels across the portfolio composition.

Branch Network Optimization Continued focus on optimizing physical footprint, including ITM installations and transitioning select branches to next-generation Express Centers.

Gradual Economic Normalization Expects gradual rent growth moderation in commercial real estate, but overall economic expansion supports steady long-term performance.

Capital Maintenance Priority Management prioritizes maintaining capital well above regulatory minimums while supporting business growth initiatives and managing regulatory expectations.

Peer Comparison

Revenue (TTM)

BFST

$511.93M

+11.8%

HAFC

$444.43M

+3.5%

CCNE

$413.63M

+14.9%

Gross Margin (Latest Quarter)

THFF

96.6%

+26.3pp

CCBG

88.4%

+2.5pp

BCAL

83.9%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
BFST	$934.21M	9.6	10.2%	6.7%
CCNE	$924.62M	13.9	8.9%	3.9%
HBNC	$906.70M	-6.0	-20.6%	6.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-2.5%

Flat Growth

4Q Net Income CAGR

-1.7%

Stable Profitability

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 15, 2026

EPS:$1.27

Revenue:$54.75M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data