Stocks › GSBC
Great Southern Bancorp GSBC
US equityMarket cap rank #3315
$80.76 +$0.03 (+0.04%)
Market closed · Nov 6, 8:20 pm ET · Last extended-hours $80.76 0.00%
Open$80.36
Prev close$80.73
Day range$79.95 – $81.18
Volume59.3K
Market cap$868.31M
P/E (TTM)14.1
Dividend yield2.13%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$53.68M-7.2% YoY
Net profit$14.01M-21.1% YoY
Diluted EPS$1.27-18.6% YoY
Free cash flow$2.13M-93.9% YoY
Operating cash flow$6.14M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin28.6%
Return on equity10.2%
Return on assets1.1%
Liabilities / assets89.5%
Cash & investments$161.74M
Total debt$1.02B
Net cash (debt)-$859.57M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $53.68M | $56.87M | $55.36M | $229.29M | $56.35M |
| Net Interest Income | $50.27M | $49.49M | $48.33M | $200.23M | $49.16M |
| -Interest Income | $74.12M | $72.46M | $71.17M | $313.73M | $73.44M |
| -Interest Expense | $23.85M | $22.97M | $22.84M | $113.50M | $24.27M |
| Non-Interest Income | $3.41M | $7.38M | $7.03M | $29.05M | $7.19M |
| -Fees and Commissions | $5.57M | $5.59M | $5.08M | $21.20M | $5.38M |
| -Other Non-Interest Income | $944,000.00 | $989,000.00 | $1.23M | $4.64M | $958,000.00 |
| -Gain Loss on Sale of Assets | -$3.10M | $800,000.00 | $717,000.00 | $3.21M | $854,000.00 |
| Credit Losses Provision | -$674,000.00 | -$8,000.00 | $931,000.00 | -$45,000.00 | -$882,000.00 |
| Non-Interest Expense | $36.27M | $38.22M | $34.79M | $141.94M | $36.00M |
| Occupancy and Equipment | $9.30M | $10.68M | $8.86M | $35.30M | $9.46M |
| Professional Expense and Contract Services Expense | $1.06M | $967,000.00 | $690,000.00 | $4.17M | $951,000.00 |
| Selling and Admin Expenses | $21.65M | $22.63M | $21.52M | $87.34M | $21.67M |
| -Selling & Marketing Expense | $938,000.00 | $836,000.00 | $372,000.00 | $2.93M | $949,000.00 |
| -General & Admin Expense | $20.71M | $21.79M | $21.14M | $84.41M | $20.72M |
| Depreciation & Amortization & Depletion | $113,000.00 | $108,000.00 | $108,000.00 | $434,000.00 | $109,000.00 |
| -Depreciation & Amortization | $113,000.00 | $108,000.00 | $108,000.00 | $434,000.00 | $109,000.00 |
| Other Non-Interest Expenses | $4.15M | $3.84M | $3.62M | $14.71M | $3.81M |
| Pretax Profit | $16.73M | $18.64M | $21.50M | $87.30M | $19.47M |
| Tax | $2.72M | $2.84M | $4.02M | $16.32M | $3.19M |
| Net Profit | $14.01M | $15.80M | $17.48M | $70.97M | $16.28M |
| Profit from Continuing Operations | $14.01M | $15.80M | $17.48M | $70.97M | $16.28M |
| Net Income to Parent Company | $14.01M | $15.80M | $17.48M | $70.97M | $16.28M |
| Net Income to Common Stockholders | $14.01M | $15.80M | $17.48M | $70.97M | $16.28M |
| Basic EPS | $1.29 | $1.45 | $1.59 | $6.23 | $1.46 |
| Diluted EPS | $1.27 | $1.43 | $1.58 | $6.19 | $1.45 |
| Dividend Per Share | $0.43 | $0.43 | $0.43 | $1.66 | $0.43 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $5.82B | $5.52B | $5.69B | $5.60B | $5.60B |
| Cash, Cash Equivalents & Federal Funds Sold | $161.74M | $179.98M | $187.40M | $189.55M | $189.55M |
| -Cash and Cash Equivalents | $161.74M | $179.98M | $187.40M | $189.55M | $189.55M |
| Securities Investment | $1.02B | $679.06M | $691.44M | $703.03M | $703.03M |
| -Held to Maturity Securities | $169.03M | $175.26M | $177.59M | $179.20M | $179.20M |
| -Short Term Investments | $853.22M | $0.00 | $463.03M | $472.43M | $472.43M |
| Net Loan | $4.25B | $4.32B | $4.46B | $4.36B | $4.36B |
| -Gross Loan | $4.32B | $4.39B | $4.53B | $4.43B | $4.43B |
| -Allowance for Loans and Lease Losses | $63.57M | $63.97M | $64.78M | $64.77M | $64.77M |
| Receivables | $58.70M | $47.14M | $44.99M | $44.68M | $44.68M |
| -Accounts Receivable | $19.15M | $18.47M | $19.72M | $18.07M | $18.07M |
| -Other Receivables | $39.55M | $28.68M | $25.28M | $26.62M | $26.62M |
| Net PPE | $120.41M | $132.84M | $132.11M | $133.26M | $133.26M |
| Goodwill and Other Intangible Assets | $9.63M | $9.44M | $9.55M | $9.66M | $9.66M |
| Foreclosed Assets | $20.42M | $8.36M | $6.62M | $6.04M | $6.04M |
| Federal Home Loan Bank Stock | $52.03M | $27.41M | $27.72M | $20.08M | $20.08M |
| Other Assets | $122.94M | $123.01M | $124.02M | $128.62M | $128.62M |
| Total Liabilities | $5.21B | $4.88B | $5.05B | $4.96B | $4.96B |
| Total Deposits | $4.07B | $4.30B | $4.45B | $4.48B | $4.48B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $41.23M | $39.91M | $37.20M | $48.47M | $48.47M |
| Short-Term Debt and Capital Lease Obligation | $995.53M | $445.56M | $470.66M | $330.93M | $330.93M |
| -Current Debt | $995.53M | $445.56M | $470.66M | $330.93M | $330.93M |
| Payables | $56.75M | $3.08M | $3.25M | $3.61M | $3.61M |
| -Accounts Payable | $56.75M | $3.08M | $3.25M | $3.61M | $3.61M |
| Long Term Debt and Capital Lease Obligation | $25.77M | $25.77M | $25.77M | $25.77M | $25.77M |
| -Long Term Debt | $25.77M | $25.77M | $25.77M | $25.77M | $25.77M |
| Other Liabilities | $19.23M | $64.83M | $71.65M | $70.93M | $70.93M |
| Total Equity | $612.53M | $641.60M | $633.63M | $636.13M | $636.13M |
| Stockholders' Equity | $612.53M | $641.60M | $633.63M | $636.13M | $636.13M |
| Capital Stock | $108,000.00 | $83,000.00 | $83,000.00 | $111,000.00 | $111,000.00 |
| -Common Stock | $108,000.00 | $83,000.00 | $83,000.00 | $111,000.00 | $111,000.00 |
| -Preferred Stock | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Additional Paid-In Capital | $60.37M | $59.28M | $56.13M | $54.12M | $54.12M |
| Retained Earnings | $617.48M | $619.96M | $612.57M | $614.10M | $614.10M |
| Gains/Losses Not Affecting Retained Earnings | -$65.42M | -$37.72M | -$35.15M | -$32.20M | -$32.20M |
| -Available for Sale Securities | – | $503.80M | $50.81M | $51.40M | $51.40M |
| -Unearned Income | – | -$5.46M | -$5.58M | -$6.05M | -$6.05M |
| -Gross PPE | – | $228.87M | $226.79M | $227.07M | $227.07M |
| -Accumulated Depreciation | – | -$96.04M | -$94.68M | -$93.81M | -$93.81M |
| -Goodwill | – | $5.40M | $5.40M | $5.40M | $5.40M |
| -Other Intangible Assets | – | $4.05M | $4.16M | $4.26M | $4.26M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $6.14M | $21.18M | $81.52M | $21.63M | $5.59M |
| Net cash flow from continuing operations | $6.14M | $21.18M | $81.52M | $21.63M | $5.59M |
| Net Income from Continuing Operations | $15.80M | $17.48M | $70.97M | $16.28M | $17.75M |
| Gain/Loss from Continuing Operations | -$887,000.00 | -$724,000.00 | -$3.00M | -$622,000.00 | -$915,000.00 |
| Depreciation & Depletion & Amortization | $2.31M | $2.26M | $8.51M | $2.20M | $2.09M |
| Deferred Tax | -$1.71M | -$958,000.00 | -$1.32M | -$697,000.00 | -$341,000.00 |
| Other Non-Cash Items | -$249,000.00 | $1.40M | $3.82M | -$379,000.00 | $939,000.00 |
| Change in Working Capital | -$9.59M | $3.36M | $13.48M | $5.21M | -$10.38M |
| -Change in Receivables | $1.25M | -$1.65M | $2.36M | $1.86M | $713,000.00 |
| -Change in Prepaid Assets | $1.44M | $2.93M | $5.58M | $4.66M | -$228,000.00 |
| -Change in Payables and Accrued Expense | -$11.43M | -$1.18M | $4.46M | -$1.31M | -$12.25M |
| -Change in Other Working Capital | -$844,000.00 | $3.26M | $1.08M | -$9,000.00 | $1.38M |
| Net cash flow from investing | $156.40M | -$99.83M | $367.18M | $127.59M | $68.65M |
| Net Cash Flow from Continuing Investing Activities | $156.40M | -$99.83M | $367.18M | $127.59M | $68.65M |
| Net PPE Purchase and Sale | -$3.36M | -$1.27M | -$11.34M | -$3.35M | -$1.69M |
| Net Investment Purchase and Sale | $11.45M | $10.12M | $44.66M | $25.18M | -$4.29M |
| Net Income from Loans | $147.87M | -$100.51M | $336.91M | $111.74M | $67.41M |
| Net Other Investing Changes | $1.03M | -$8.17M | -$3.05M | -$5.98M | $7.22M |
| Financing Cash Flow | -$169.96M | $76.49M | -$454.90M | -$155.90M | -$123.91M |
| Net Cash Flow from Continuing Financing Activities | -$169.96M | $76.49M | -$454.90M | -$155.90M | -$123.91M |
| Increase/Decrease in Deposit | -$143.09M | -$37.61M | -$122.75M | -$45.26M | -$156.07M |
| Net Issuance Payments of Debt | -$22.39M | $128.46M | -$274.30M | -$89.19M | $43.87M |
| Net Common Stock Issuance | -$7.85M | -$16.92M | -$44.46M | -$14.41M | -$10.04M |
| Cash Dividends Paid | -$4.68M | -$4.76M | -$18.72M | -$4.85M | -$4.56M |
| Proceeds from Stock Option Exercised | $6.78M | $4.09M | $4.82M | $1.93M | $1.81M |
| Net Other Financing Activities | $1.26M | $3.24M | $509,000.00 | -$4.12M | $1.08M |
| Ending Cash Balance | $179.98M | $187.40M | $189.55M | $189.55M | $196.24M |
| Net Change in Cash | -$7.42M | -$2.15M | -$6.20M | -$6.68M | -$49.68M |
| Beginning Cash Balance | $187.40M | $189.55M | $195.76M | $196.24M | $245.91M |
| Free Cash Flow | $2.13M | $19.88M | $70.06M | $18.23M | $3.85M |
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