Great Southern Bancorp, Inc.

NASDAQ•GSBC

執行長: Mr. Joseph William Turner J.D.

板塊: Financial Services

行業: 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.

聯絡資訊

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

417-887-4400

www.greatsouthernbank.com

市值

$681.43M

本益比 (TTM)

9.8

14.5

股息率

2.7%

52周最高

$67.70

52周最低

$47.57

52周範圍

66%

排名48Top 64.4%

3.3

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 3.3 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$80.76M-9.78%

近4季度走勢

每股收益

$1.43+12.60%

近4季度走勢

自由現金流

-$68.16M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
BFST	$853.41M	8.8	10.2%	6.7%
MCBS	$816.13M	11.0	14.8%	11.3%
HBNC	$813.84M	-5.4	-20.6%	6.3%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

-2.5%

基本持平

4季度淨利複合增長率

-1.7%

盈利能力基本穩定

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年4月15日

每股收益:$1.27

營業收入:$54.75M

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

無資料