Great Southern Bancorp, Inc.

NASDAQ•GSBC

CEO: Mr. Joseph William Turner J.D.

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

417-887-4400

www.greatsouthernbank.com

市值

$689.48M

市盈率 (TTM)

9.9

14.6

股息率

2.7%

52周最高

$67.70

52周最低

$47.57

52周范围

70%

排名48Top 64.4%

3.3

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

疲弱 • 3.3 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$80.76M-9.78%

近4季度走势

每股收益

$1.43+12.60%

近4季度走势

自由现金流

-$68.16M+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

BFST

$511.93M

+11.8%

HAFC

$444.43M

+3.5%

CCNE

$413.63M

+14.9%

毛利率 (最新季度)

THFF

96.6%

+26.3pp

CCBG

88.4%

+2.5pp

BCAL

83.9%

+0.0pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
BFST	$869.12M	8.9	10.2%	6.7%
HBNC	$828.19M	-5.5	-20.6%	6.3%
MCBS	$814.98M	11.0	14.8%	11.3%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

-2.5%

基本持平

4季度净利润复合增长率

-1.7%

盈利能力基本稳定

现金流稳定性

75%

现金流波动较大

深度研究

下次财报:2026年4月15日

每股收益:$1.27

营业收入:$54.75M

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据