Saturday 17 October 2026 Export GSBC’s income statement to Excel — free account

Great Southern Bancorp, Inc.

Great Southern Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $342.8 million, down 3.51% from fiscal 2024. In the quarter to June 2026, revenue fell 10.5%, EPS fell 16.2%, free cash flow fell 93.7% and total debt was flat, each against the same quarter a year earlier. Dividend growth for five consecutive years.

78.05 0.42 +0.54%

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Market cap: $846.0M
P/E: 12.9×
Fwd P/E: 12.9×
Dividend yield: 2.20%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 3.22

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	2	—	3	3	—	3	4	—	—	1	—	—

Insider Ownership 31.80%

Capital & Financial Ratios $m

Market Cap 845.97

Revenue 324.79

Net Income 67.30

Free Cash Flow 44.29

Net Debt (154.21)

Current Ratio 0.93

Debt/Equity 0.04

P/E ratio 12.86

Fwd P/E 12.90

P/S ratio 2.61

P/B ratio 1.32

Past 5Y EPS Growth 8.01%

This Y EPS Growth (5.82%)

Next Y EPS Growth (3.09%)

Next Y revenue growth (34.59%)

Next 5Y EPS Growth (1.03%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 78.40%

10-year low 10-year high

P/S against its own 10 years 40.10%

10-year low 10-year high

P/B against its own 10 years 55.62%

10-year low 10-year high

Dividends

Payout Ratio 0.29

Annual Dividend Rate 1.72

Annual Dividend Yield 2.20%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.75	0.43 0.43 0.43
2025	1.66	0.40 0.40 0.43 0.43
2024	1.60	0.40 0.40 0.40 0.40
2023	1.60	0.40 0.40 0.40 0.40
2022	1.56	0.36 0.40 0.40 0.40
2021	1.40	0.34 0.34 0.36 0.36
2020	1.36	1.00 0.34 0.34 0.34 0.34
2019	1.32	0.75 0.32 0.32 0.34 0.34
2018	1.20	0.28 0.28 0.32 0.32
2017	0.94	0.22 0.24 0.24 0.24
2016	0.88	0.22 0.22 0.22 0.22

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	34.48	47.25	43.30	45.44	32.23	47.22	50.30	45.39	48.19	47.57	Analyst estimates 2026–2028 Powerpack
	High	56.70	58.45	61.65	64.48	63.55	60.55	64.16	61.94	68.02	66.59
People
People	Employees	1,263	1,225	1,182	1,191	1,156	1,105	1,124	1,352	1,108	1,075
	Revenue/emp, $m	0.17	0.18	0.20	0.22	0.22	0.21	0.23	0.24	0.32	0.32
Income, $m
Income, $m	Revenue	214	222	242	266	253	237	261	327	355	343
	Gross margin, %	89.65	87.41	84.41	79.47	83.95	91.24	89.52	68.30	61.84	66.89
	EBT	62	70	82	90	73	94	94	85	75	87
	EBT margin, %	28.95	31.74	33.84	33.86	28.92	39.82	36.08	26.11	21.25	25.47
	Net income	45	52	67	74	59	75	76	68	62	71
	Depreciation	18	10	8	8	6	(7)	(6)	(4)	(5)	(4)
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
	Earnings	3.26	3.69	4.75	5.18	4.22	5.50	6.07	5.65	5.28	6.23
	Cash flow	5.80	4.48	6.67	6.09	3.28	6.91	6.78	6.73	3.77	7.15
	Capex	(0.70)	(0.49)	(0.49)	(0.82)	(0.53)	(0.38)	(1.29)	(0.59)	(0.41)	(0.99)
	Free cash flow	5.10	3.99	6.17	5.27	2.75	6.53	5.49	6.14	3.36	6.16
	Book value	30.89	33.61	37.64	42.47	44.84	45.49	42.59	47.68	51.27	55.82
	Shares, m	14	14	14	14	14	14	13	12	12	11
Valuation, ×
Valuation, ×	P/E	16.59	13.92	9.71	12.22	11.53	10.77	9.74	10.65	11.33	9.88
	P/S	3.53	3.24	2.69	3.38	2.72	3.39	2.84	2.20	1.97	2.05
	P/B	1.76	1.52	1.22	1.49	1.09	1.30	1.39	1.26	1.16	1.10
	EV/Sales	2.83	3.17	2.26	2.93	1.18	0.78	2.58	1.86	1.70	1.57
	EV/FCF	8.54	12.54	6.28	10.41	7.70	2.10	9.79	8.28	15.34	7.66
Cash, $m
Cash, $m	Operating cash flow	81	63	94	86	46	94	85	81	44	82
	Capex	(10)	(7)	(7)	(12)	(7)	(5)	(16)	(7)	(5)	(11)
	Free cash flow	71	56	87	75	39	89	69	74	39	70
Balance, $m
Balance, $m	Working capital	83	279	167	95	176	27	(329)	(300)	(354)	(351)
	Total debt	131	227	100	100	174	100	100	100	101	26
	Net debt	(149)	(15)	(103)	(120)	(390)	(618)	(68)	(111)	(95)	(164)
	Shareholders’ equity	430	472	532	603	630	617	533	572	600	636
Returns, %
Returns, %	ROA	1.05	1.15	1.48	1.52	1.13	1.36	1.36	1.18	1.05	1.23
	ROIC	13.77	9.63	11.94	11.65	19.02	0.00	12.67	11.57	9.35	11.55
	ROE	10.95	11.44	13.37	12.97	9.62	11.97	13.21	12.27	10.55	11.49

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%	Compare
FMNB Farmers National Banc Corp.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
THFF First Financial Corporation Indiana	$876.8M	10.4×	9.7×	+12.19% (above 0%: growing)	+21.66% (above 0%: growing)	+44.71% (above 0%: growing)	75.76%	0.00%	Compare
SMBK SmartFinancial, Inc.	$861.9M	14.9×	11.5×	+9.67% (above 0%: growing)	+38.57% (above 0%: growing)	+68.13% (above 0%: growing)	65.11%	0.00%	Compare
EGBN Eagle Bancorp, Inc.	$854.2M	— (loss-making)	15.8×	−13.00% (below 0%: shrinking)	n/m	+207.40% (above 0%: growing)	53.23%	0.00%	Compare
GSBC Great Southern Bancorp, Inc.	$846.0M	12.9×	12.9×	−10.48% (below 0%: shrinking)	−16.18% (below 0%: shrinking)	−93.70% (below 0%: shrinking)	71.23%	0.00%
CCBG Capital City Bank Group	$836.5M	13.6×	12.5×	+1.35% (above 0%: growing)	+7.95% (above 0%: growing)	−75.79% (below 0%: shrinking)	89.45%	0.00%	Compare
ORRF Orrstown Financial Services Inc	$816.1M	9.3×	8.8×	+0.90% (above 0%: growing)	+8.91% (above 0%: growing)	−5.50% (below 0%: shrinking)	70.78%	0.00%	Compare
SPFI South Plains Financial, Inc.	$809.1M	11.4×	11.7×	+16.84% (above 0%: growing)	+10.00% (above 0%: growing)	+104.00% (above 0%: growing)	72.34%	0.00%	Compare
Median of peers	$858.1M	11.4×	10.6×	+8.10%	+10.00%	+86.07%	70.44%	0.00%

All 323 Banks Regional stocks →

Great Southern Bancorp, Inc. (GSBC) key facts

Concern: Great Southern Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $342.8 million, down 3.51% from fiscal 2024.
Strength: Net income was $71.0 million, or $6.23 per share (basic), a net margin of 20.7%.
Great Southern Bancorp, Inc. (GSBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, GSBC traded at $78.05, a market capitalization of $846.0 million.
At that price the stock trades at 12.9× trailing-twelve-month earnings and 2.6× sales; its P/E is higher than 78% of its own readings over the past ten years.
Great Southern Bancorp, Inc. pays an annual dividend of $1.72 per share, a yield of 2.20%, with a payout ratio of 28.6%.
Return on equity was 11.5% and debt-to-equity 0.04.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.