Great Southern Bancorp, Inc.

NASDAQ•GSBC

CEO: Mr. Joseph William Turner J.D.

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

1451 East Battlefield, Springfield, MO, 65804, United States

417-887-4400

www.greatsouthernbank.com

時価総額

$681.43M

PER (TTM)

9.8

14.2

配当利回り

2.7%

52週高値

$67.70

52週安値

$47.57

52週レンジ

66%

順位48Top 64.4%

3.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$80.76M-9.78%

直近4四半期の推移

EPS

$1.43+12.60%

直近4四半期の推移

フリーCF

-$68.16M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

BFST

$511.93M

+11.8%

HAFC

$444.43M

+3.5%

CCNE

$413.63M

+14.9%

粗利益率 (最新四半期)

THFF

96.6%

+26.3pp

CCBG

88.4%

+2.5pp

BCAL

83.9%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
BFST	$857.01M	8.8	10.2%	6.7%
MCBS	$814.69M	11.0	14.8%	11.3%
HBNC	$813.84M	-5.4	-20.6%	6.3%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-2.5%

横ばい

4四半期純利益CAGR

-1.7%

収益性の安定

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月15日

EPS:$1.29

売上高:$54.75M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし