Pricing Log in Create free account
Friday 6 November 2026 Export GSBC’s income statement to Excel — free account

Great Southern Bancorp, Inc.

GSBC Financial Banks Regional

Great Southern Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $342.8 million, down 3.51% from fiscal 2024.

Revenue
−10.5%
EPS
−16.2%
Free cash flow
−93.7%
Total debt
0.00%

Quarter to June 2026, against a year earlier

80.78 2.00 −2.42%
Market cap
$868.0M
P/E
13.3×
Fwd P/E
13.9×
Dividend yield
2.13%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 3.04
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — 3 3 — 3 4 — — 1 — — —
Insider Ownership 32.71%

Capital & Financial Ratios $m

Size
Market Cap 867.99
Revenue ttm 324.79
Net income ttm 67.30
Free cash flow ttm 44.29
Net debt Q (154.21)
Valuation
P/E 13.31
Forward P/E 13.90
Price / sales 2.71
Forward P/S Powerpack
Price / FCF 19.84
Price / book 1.37
Financial health
Current ratio Q 0.93
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q −10.48% (below 0%: shrinking)
Operating income growth Q −23.24% (below 0%: shrinking)
EPS, this year −5.90% (below 0%: weak)
EPS, next year A +1.80%
Revenue, next year A −33.78% (below 0%: weak)
EPS, past 5 yrs +8.01%
EPS, next 5 yrs A −0.22% (below 0%: weak)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 81.70%
10-year low 10-year high
P/S against its own 10 years 45.03%
10-year low 10-year high
P/B against its own 10 years 64.54%
10-year low 10-year high

Dividends

Yield
2.13%
Annual rate
1.72
Payout ratio
28.6%
Growth, 2018–26
+0.91%/yr
  1. 1.20 ’18
  2. 1.32 ’19 +10
  3. 1.36 ’20 +3
  4. 1.40 ’21 +3
  5. 1.56 ’22 +11
  6. 1.60 ’23 +3
  7. 1.60 ’24 +0
  8. 1.66 ’25 +4
  9. 1.29 ’26 −22
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 211 196 190 180
Receivables — — — —
Inventory — — — —
Other — — — —
4,828 4,914 4,571 4,514
2023 2024 2025 Q'26
Payables 4,722 4,606 4,483 4,349
ST’ Debt — — — —
Other — — — —
5,128 5,268 4,922 4,838

Compound Annual Growth %

10y 5y 3y
Sales 5.65% 6.28% 9.50%
Cash Flow 1.33% 12.10% (1.32%)
Earnings 4.44% 3.65% (2.23%)
Book Value 4.80% 0.20% 6.07%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.39 Actual 1.50

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.38 1.45 Beat by 0.07
Q1 FY26 1.27 1.58 Beat by 0.31
Q2 FY26 1.38 1.57 Beat by 0.19
Q3 FY26 1.39 1.50 Beat by 0.11
Q4 FY26 1.57 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.58 1.43 — — —
’25 1.47 1.72 1.56 1.45 6.19
’24 1.13 1.45 1.41 1.27 5.26
’23 1.67 1.52 1.33 1.11 5.61
’22 1.30 1.44 1.46 1.84 6.02
’21 1.36 1.46 1.49 1.14 5.46
’20 1.04 0.93 0.96 1.28 4.21
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 78 80 — — —
’25 87 89 86 81 343
’24 84 91 91 90 355
’23 79 81 83 83 327
’22 56 62 68 76 261
’21 60 60 59 57 237
’20 65 62 63 63 253
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 21 6 — — —
’25 15 39 6 22 82
’24 (27) 44 18 10 44
’23 15 44 8 14 81
’22 31 5 17 31 85
’21 25 30 23 16 94
’20 18 18 0 10 46
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 20 2 — — —
’25 13 35 4 18 70
’24 (28) 42 17 8 39
’23 13 42 6 13 74
’22 30 0 12 27 69
’21 23 29 22 14 89
’20 15 17 (2) 9 39
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 214 222 242 266 253 237 261 327 355 343 325 +5.4% 227 229 236 (11.7%)
Gross margin, % 89.65 87.41 84.41 79.47 83.95 91.24 89.52 68.30 61.84 66.89 69.71 (22.8) pt
EBT 62 70 82 90 73 94 94 85 75 87 82 +3.9%
EBT margin, % 28.95 31.74 33.84 33.86 28.92 39.82 36.08 26.11 21.25 25.47 25.15 (3.5) pt
Net income 45 52 67 74 59 75 76 68 62 71 67 +5.1%
Per share, $
Per share, $ Revenue 15.36 15.79 17.14 18.73 18.00 17.48 20.86 27.26 30.38 30.08 29.86 +7.8%
Earnings 3.26 3.69 4.75 5.18 4.22 5.50 6.07 5.65 5.28 6.23 6.07 +7.5%
Cash flow 5.80 4.48 6.67 6.09 3.28 6.91 6.78 6.73 3.77 7.15 5.01 +2.4%
Capex (0.70) (0.49) (0.49) (0.82) (0.53) (0.38) (1.29) (0.59) (0.41) (0.99) (0.94) +4.0%
Free cash flow 5.10 3.99 6.17 5.27 2.75 6.53 5.49 6.14 3.36 6.16 4.07 +2.1%
Book value 30.89 33.61 37.64 42.47 44.84 45.49 42.59 47.68 51.27 55.82 58.98 +6.8%
Shares, m 14 14 14 14 14 14 13 12 12 11 11 (2.2%)
Valuation, ×
Valuation, × P/E 16.59 13.92 9.71 12.22 11.53 10.77 9.74 10.65 11.33 9.88 13.31 11.6
P/S 3.53 3.24 2.69 3.38 2.72 3.39 2.84 2.20 1.97 2.05 2.71 2.8
P/B 1.76 1.52 1.22 1.49 1.09 1.30 1.39 1.26 1.16 1.10 1.37 1.3
EV/Sales 2.83 3.17 2.26 2.93 1.18 0.78 2.58 1.86 1.70 1.57 — 2.1
EV/FCF 8.54 12.54 6.28 10.41 7.70 2.10 9.79 8.28 15.34 7.66 — 8.9
Cash, $m
Cash, $m Operating cash flow 81 63 94 86 46 94 85 81 44 82 55 +0.1%
Capex (10) (7) (7) (12) (7) (5) (16) (7) (5) (11) (10) +1.7%
Free cash flow 71 56 87 75 39 89 69 74 39 70 44 (0.1%)
Balance, $m
Balance, $m Working capital 83 279 167 95 176 27 (329) (300) (354) (351) (324) n/m
Net debt (149) (15) (103) (120) (390) (618) (68) (111) (95) (164) (154) +1.1%
Shareholders’ equity 430 472 532 603 630 617 533 572 600 636 642 +4.5%
Returns, %
Returns, % ROA 1.05 1.15 1.48 1.52 1.13 1.36 1.36 1.18 1.05 1.23 1.18 +0.2 pt
ROIC 13.77 9.63 11.94 11.65 19.02 0.00 12.67 11.57 9.35 11.55 10.48 (2.2) pt
ROE 10.95 11.44 13.37 12.97 9.62 11.97 13.21 12.27 10.55 11.49 10.65 +0.5 pt
People
People Employees 1,263 1,225 1,182 1,191 1,156 1,105 1,124 1,352 1,108 1,075 — (1.8%)
Revenue/emp, $m 0.17 0.18 0.20 0.22 0.22 0.21 0.23 0.24 0.32 0.32 — +7.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Great Southern Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FMNB Farmers National Banc Corp. $919.5M 10.6× 10.9× +43.94% (above 0%: growing) +5.41% (above 0%: growing) +114.21% (above 0%: growing) 70.09% 0.00% Compare
NBBK NB Bancorp, Inc. $899.0M 13.2× 11.0× +39.49% (above 0%: growing) +37.21% (above 0%: growing) −112.43% (below 0%: shrinking) 63.66% 0.00% Compare
MPB Mid Penn Bancorp $869.3M 11.8× 11.2× +13.23% (above 0%: growing) +6.25% (above 0%: growing) −3.90% (below 0%: shrinking) 69.39% 0.00% Compare
GSBC Great Southern Bancorp, Inc. $868.0M 13.3× 13.9× −10.48% (below 0%: shrinking) −16.18% (below 0%: shrinking) −93.70% (below 0%: shrinking) 71.23% 0.00%
ORRF Orrstown Financial Services Inc $864.7M 9.8× 9.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00% Compare
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00% Compare
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
Median of peers $863.2M 13.2× 11.0× +13.23% +8.91% +47.12% 70.44% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 31 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.82m 1.72m 144.49
2024 1.56m 1.59m 110.75
2023 1.78m 1.65m 107.03
2022 1.70m 1.77m 104.07
2021 1.67m 1.84m 100.94

Ownership

Directors and executive officers, together 29.75%
Joseph W. Turner c/o Great Southern Bancorp, Inc. 17.08%
Joseph W. Turner 17.08%
Julie Turner Brown c/o Great Southern Bancorp, Inc. 15.69%
Julie Turner Brown 15.69%
Earl A. Steinert, Jr. c/o Great Southern Bancorp, Inc. 8.61%
Earl A. Steinert, Jr. 8.61%
BlackRock, Inc. 7.54%
Dimensional Fund Advisors, LP Building One 6.71%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Great Southern Bancorp, Inc. (GSBC) Latest News

22 Oct

Impact 4 · · The Motley Fool
Impact 4 · · Moby
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat

21 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Associated Press

14 Oct

Impact 3 · · Zacks

16 Jul

Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby transcript

8 Jul

Impact 3 ·

21 Apr

Impact 3 ·

17 Apr

Impact 3 · · GuruFocus.com

16 Apr

Impact 4 · · Moby
Impact 3 · · MarketBeat

15 Apr

Impact 4 · · Zacks
Impact 3 · · GlobeNewswire

22 Jan

Impact 4 · · GuruFocus.com transcript
Impact 4 · · MarketBeat transcript

21 Jan

Impact 4 · · Associated Press Finance
Impact 3 · · GlobeNewswire

20 Jan

Impact 4 · · Simply Wall St.

19 Jan

Impact 3 · · Simply Wall St.

17 Dec

Impact 3 · · GlobeNewswire

9 Dec

Impact 4 · · Simply Wall St.

7 Nov

Impact 4 · · Simply Wall St.

18 Oct

Impact 4 · · Simply Wall St.

16 Oct

Impact 4 · · GuruFocus.com

15 Oct

Impact 4 · · Zacks
stockrow.com/GSBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com