Great Southern Bancorp, Inc. logo

Great Southern Bancorp, Inc.

GSBC

NASDAQFinancial ServicesBanks - Regional

Previous close

$79.12

+$0.34 · +0.43%

Aug 21, 4:00 PM ET

Pre-market

$79.1417

+$0.0217 · +0.03%

Aug 24, 4:13 AM ET

GSBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

70

Undervalued

Momentum

59

Neutral

Sentiment

57

Mixed

Risk resilience

77

Moderate Risk

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Company profile

Company website

Great Southern Bancorp, Inc. functions as the bank holding company for Great Southern Bank, delivering a wide array of financial services across the United States. For depositors, the institution offers various account types, including standard savings, checking, and money market accounts. Its certificate products encompass fixed-rate certificates with diverse maturities, certificates of deposit (CDs), and brokered certificates, alongside individual retirement accounts (IRAs). The company's loan portfolio is extensive, featuring residential and commercial real estate loans, construction financing, and commercial business loans. It also provides consumer credit, ranging from unsecured personal loans to secured options such as automobile loans, boat loans, home equity loans, and loans backed by savings deposits. Beyond its core banking activities, Great Southern Bancorp also offers insurance and merchant banking services. As of December 31, 2021, the company maintained a significant operational footprint, with 93 retail banking centers and roughly 200 automated teller machines situated across Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas. Additionally, it operated seven loan production offices—six focusing on commercial lending and one on mortgages—in key metropolitan areas like Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix, Tulsa, Oklahoma, and Springfield, Missouri. Established in 1923, the company's primary offices are located in Springfield, Missouri.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Joseph William Turner
Listed since
Dec 15, 1989
Employees
966

Market position

Day range

Current $79.12

52-week range

Current $79.12

Open
$78.52
Previous close
$78.78
Volume
141.68K
1.35× average
Average volume
104.8K
Average daily volume
Market cap
861.87M USD
Beta
0.51
Market reference 1
50-day average
$78.544
+0.73% above average
200-day average
$67.803
+16.69% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
917.19M USD
P/E (TTM)
13.1×
P/B (TTM)
1.34×
P/S (TTM)
2.71×
EV / EBITDA
9.57×
Earnings yield
10.12%
Free cash flow yield
9.44%
Dividend yield
2.17%

Profitability & efficiency

Gross margin
68.94%
Operating margin
23.16%
Net margin
21.14%
Return on equity
11.16%
Return on assets
1.27%
Return on invested capital
6.38%

Financial health

Debt / equity
0.8×
Current ratio
0.14×
Altman Z-score
0.28
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%71%40%10%Gross margin, FY2021: 93.67%Gross margin, FY2022: 87.15%Gross margin, FY2023: 69.24%Gross margin, FY2024: 61.08%Gross margin, FY2025: 66.93%Operating margin, FY2021: 39.82%Operating margin, FY2022: 36.08%Operating margin, FY2023: 26.11%Operating margin, FY2024: 21.25%Operating margin, FY2025: 25.43%Net margin, FY2021: 31.49%Net margin, FY2022: 29.09%Net margin, FY2023: 20.74%Net margin, FY2024: 17.40%Net margin, FY2025: 20.67%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.67%. Gross margin FY2022 87.15%. Gross margin FY2023 69.24%. Gross margin FY2024 61.08%. Gross margin FY2025 66.93%. Operating margin FY2021 39.82%. Operating margin FY2022 36.08%. Operating margin FY2023 26.11%. Operating margin FY2024 21.25%. Operating margin FY2025 25.43%. Net margin FY2021 31.49%. Net margin FY2022 29.09%. Net margin FY2023 20.74%. Net margin FY2024 17.40%. Net margin FY2025 20.67%.

Income trends

Revenue

343.3M USD-3.37%

Operating income

87.3M USD+15.63%

Net income

70.97M USD+14.83%
Income trends across reported periods384.61M USD267.23M USD149.84M USD32.46M USDRevenue, FY2021: 236.99M USDRevenue, FY2022: 261.12M USDRevenue, FY2023: 326.91M USDRevenue, FY2024: 355.26M USDRevenue, FY2025: 343.3M USDOperating income, FY2021: 94.36M USDOperating income, FY2022: 94.2M USDOperating income, FY2023: 85.34M USDOperating income, FY2024: 75.5M USDOperating income, FY2025: 87.3M USDNet income, FY2021: 74.63M USDNet income, FY2022: 75.95M USDNet income, FY2023: 67.8M USDNet income, FY2024: 61.81M USDNet income, FY2025: 70.97M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 236.99M USD. Revenue FY2022 261.12M USD. Revenue FY2023 326.91M USD. Revenue FY2024 355.26M USD. Revenue FY2025 343.3M USD. Operating income FY2021 94.36M USD. Operating income FY2022 94.2M USD. Operating income FY2023 85.34M USD. Operating income FY2024 75.5M USD. Operating income FY2025 87.3M USD. Net income FY2021 74.63M USD. Net income FY2022 75.95M USD. Net income FY2023 67.8M USD. Net income FY2024 61.81M USD. Net income FY2025 70.97M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue343.3M USD355.26M USD326.91M USD261.12M USD236.99M USD
Cost of goods sold113.54M USD138.27M USD100.54M USD33.55M USD14.99M USD
Gross profit229.76M USD216.99M USD226.37M USD227.57M USD222M USD
Selling, general, and administrative115.26M USD86.35M USD86.46M USD81.76M USD76.42M USD
Operating expenses142.46M USD141.5M USD141.02M USD133.37M USD127.64M USD
Interest income313.73M USD324.7M USD296.84M USD226.98M USD198.67M USD
Interest expense113.5M USD135.56M USD103.62M USD27.36M USD20.75M USD
Depreciation and amortization8.51M USD8.95M USD9.31M USD9.68M USD11.14M USD
Operating income87.3M USD75.5M USD85.34M USD94.2M USD94.36M USD
Net income70.97M USD61.81M USD67.8M USD75.95M USD74.63M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+10.13%
11 comparable reports
Latest EPS result
1.45
Estimate 1.38 · Beat by 5.07%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.791.591.391.19Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 1.27, estimate 1.32, surprise -3.79%, Miss. Q2 2025, reported Apr 16, 2025: actual 1.47, estimate 1.26, surprise +16.67%, Beat. Q3 2025, reported Jul 16, 2025: actual 1.72, estimate 1.37, surprise +25.55%, Beat. Q4 2025, reported Oct 15, 2025: actual 1.56, estimate 1.55, surprise +0.65%, Beat. Q1 2026, reported Jan 21, 2026: actual 1.45, estimate 1.38, surprise +5.07%, Beat. Q2 2026, reported Apr 15, 2026: actual 1.58, estimate 1.27, surprise +24.41%, Beat. Q3 2026, reported Jul 15, 2026: actual 1.45, estimate 1.38, surprise +5.07%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 1.39, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates61.54M58.49M55.44M52.38MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 56.47M USD, estimate 55.53M USD, surprise +1.69%, Beat. Q2 2025, reported Apr 16, 2025: actual 55.92M USD, estimate 55.53M USD, surprise +0.71%, Beat. Q3 2025, reported Jul 16, 2025: actual 59.18M USD, estimate 55.61M USD, surprise +6.42%, Beat. Q4 2025, reported Oct 15, 2025: actual 57.84M USD, estimate 55.03M USD, surprise +5.10%, Beat. Q1 2026, reported Jan 21, 2026: actual 56.35M USD, estimate 55.03M USD, surprise +2.40%, Beat. Q2 2026, reported Apr 15, 2026: actual 55.36M USD, estimate 54.75M USD, surprise +1.11%, Beat. Q3 2026, reported Jul 15, 2026: actual 56.87M USD, estimate 55.26M USD, surprise +2.92%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 56.07M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$62.00

21.64% downside
Past 12 months12-month forecast

Price history unavailable

High $62.00Average $62.00Low $62.00

Rating distribution

6 ratings
Strong buy00%
Buy117%
Hold583%
Sell00%
Strong sell00%

Recent analyst actions

2 institutions

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.66

2025 complete year+18.6% since 2021

2026 partial: $0.86

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 29, 2026

$0.43

Quarterly

Record Jun 29, 2026 · Payment Jul 14, 2026

Dividend

Ex-dividend Mar 30, 2026

$0.43

Quarterly

Record Mar 30, 2026 · Payment Apr 14, 2026

Dividend

Ex-dividend Dec 29, 2025

$0.43

Quarterly

Record Dec 29, 2025 · Payment Jan 13, 2026

Dividend

Ex-dividend Sep 29, 2025

$0.43

Quarterly

Record Sep 29, 2025 · Payment Oct 14, 2025

Dividend

Ex-dividend Jun 30, 2025

$0.40

Quarterly

Record Jun 30, 2025 · Payment Jul 15, 2025

Dividend

Ex-dividend Mar 31, 2025

$0.40

Quarterly

Record Mar 31, 2025 · Payment Apr 14, 2025

GSBC peers

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