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GSBCGreat Southern Bancorp, Inc.
$77.51$844M
Overview & Verdict
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GSBC logoGreat Southern Bancorp, Inc.(GSBC)Earnings, Financials & Key Ratios

GSBC•NASDAQ•Banking & Credit
$77.51
12.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutGreat Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers 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, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.Show more
  • Net Interest Income$200M+5.9%
  • Total Revenue$343M-3.4%
  • Net Income$71M+14.8%
  • Return on Equity11.49%+8.9%
  • Net Interest Margin3.58%+13.1%
  • Efficiency Ratio41.5%+4.2%
  • ROA1.23%+17.0%
  • Equity / Assets11.36%+13.4%
  • Book Value per Share55.82+9.4%

GSBC Price & Volume

Great Southern Bancorp, Inc. (GSBC) stock price & volume — 10-year historical chart

Loading chart...

Urban CRE Exposure Clouds Stagnant Revenue Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Contracting
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Urban CRE concentration risk

Key Thesis Takeaways

  • Great Southern Bancorp faces a challenging outlook as its net interest income has contracted to $48.3 million in 2026Q1, reflecting broader stagnation in core regional lending.
  • While the bank maintains a fortress-like capital position with an equity-to-assets ratio of 0.11, its aggressive expansion into urban commercial real estate markets introduces significant geographic risk.
  • Investors should monitor whether the recent $16.9 million in share buybacks during 2026Q1 will impair the bank's ability to absorb potential credit losses in its concentrated loan portfolio.

Verdict Logic

while the bank maintains a stable equity-to-assets ratio of 0.11, the combination of a 0.8% net interest margin and significant urban CRE concentration risk warrants a cautious, wait-and-see approach.

GSBC Growth Metrics

Great Southern Bancorp, Inc. (GSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.73%
5 Years6.32%
3 Years9.55%
TTM-

Profit CAGR

10 Years4.32%
5 Years3.65%
3 Years-2.23%
TTM8.74%

EPS CAGR

10 Years6.56%
5 Years8.01%
3 Years0.93%
TTM12.32%

Return on Capital

10 Years10.61%
5 Years10.11%
3 Years8.51%
Last Year8.6%

GSBC Recent Earnings

Great Southern Bancorp, Inc. (GSBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (80%)●Beat Revenue 9/12 qtrs (90%)
Q2 2026Latest
Apr 15, 2026
Metric
Actual
Est
EPS
$1.58+24.4%
$1.27
Rev
$55M+1.1%
$55M
Q2 2026
Mar 6, 2026
Metric
Actual
Est
EPS
$1.43
—
Rev
$81M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.45+5.1%
$1.38
Rev
$56M+2.4%
$55M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$1.56+0.6%
$1.55
Rev
$58M+5.1%
$55M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 15, 2026
$1.58vs $1.27+24.4%
$55Mvs $55M+1.1%
Q2 2026Mar 6, 2026
$1.43
$81M
Q1 2026Jan 21, 2026
$1.45vs $1.38+5.1%
$56Mvs $55M+2.4%
Q4 2025Oct 15, 2025
$1.56vs $1.55+0.6%
$58Mvs $55M+5.1%
Based on last 12 quarters of dataView full earnings history →

Latest GSBC News

Recent stock market news and headlines for Great Southern Bancorp, Inc. (GSBC)

GlobeNewsWire·Jun 18, 2026
Great Southern Bancorp, Inc. Announces Second Quarter 2026 Preliminary Earnings Release Date and Conference Call

SPRINGFIELD, Mo., June 18, 2026 (GLOBE NEWSWIRE) -- Great Southern Bancorp, Inc. (NASDAQ:GSBC), the holding company for Great Southern Bank, expects to report second quarter preliminary earnings after the market closes on Wednesday, July 15, 2026, and host a conference call on Thursday, July 16, 2026, at 2:00 p.m. Central Time (3:00 p.m. Eastern Time).

GlobeNewsWire·Jun 17, 2026
Great Southern Bancorp, Inc. announces quarterly dividend of $0.43 per common share

SPRINGFIELD, Mo., June 17, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of Great Southern Bancorp, Inc. (NASDAQ:GSBC), the holding company for Great Southern Bank, declared a $0.43 per common share dividend for the second quarter of the calendar year ending December 31, 2026.

Peers Comparison

Key metrics vs top competitors for Great Southern Bancorp, Inc. (GSBC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
GSBC logoGSBCGreat Southern Bancorp, Inc.Current
$77.51$844.33M12.52-3.37%20.67%11.49%2.12%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
UBSI logoUBSIUnited Bankshares, Inc.
$46.14$6.36B14.1112.33%36.72%9.27%—
CBSH logoCBSHCommerce Bancshares, Inc.
$58.84$8.58B14.422.23%26.11%14.78%—

Compare GSBC vs Peers

Great Southern Bancorp, Inc. (GSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for GSBC.

Scale Benchmark

vs ICE

Larger-name benchmark to compare GSBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, IBCP, SFNC, UBSI

GSBC SEC Filings & Documents

Great Southern Bancorp, Inc. (GSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 17, 2026·SEC

Material company update

May 15, 2026·SEC

Material company update

Apr 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 6, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Mar 12, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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GSBC Frequently Asked Questions

Great Southern Bancorp, Inc. (GSBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Great Southern Bancorp, Inc. growing?

Great Southern Bancorp, Inc. (GSBC) saw revenue decline by 3.4% over the past year.

Is GSBC profitable?

Yes, Great Southern Bancorp, Inc. (GSBC) is profitable, generating $71.3M in net income for fiscal year 2025 (20.7% net margin).

Dividend & Returns
Does GSBC pay dividends?

Yes, Great Southern Bancorp, Inc. (GSBC) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.

What is GSBC's return on equity?

Great Southern Bancorp, Inc. (GSBC) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.

Industry Metrics
What is Great Southern Bancorp, Inc.'s net interest margin?

Great Southern Bancorp, Inc. (GSBC) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

What is Great Southern Bancorp, Inc.'s efficiency ratio?

Great Southern Bancorp, Inc. (GSBC) has an efficiency ratio of 41.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in GSBC back in 1995?

Total return calculator · dividends reinvested · 31+ years of data

See returns →