Great Southern Bancorp Inc GSBC

FinancialsBanking ServicesUnited States of America

Last close 81.23 USD on Nov 1, 2026, +34.3% year to date

Quant rating

Quant rating C Rank 372 of 799 in Financials

Growth C 451 of 799
Valuation D 668 of 799
Quality C 361 of 799
Revisions C 437 of 799
Momentum B 154 of 799

Wall Street consensus Hold (3.00)Average target 78.00 USD −4.0%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 873M
Enterprise value: 1.8B
52-week range: 54.85 – 83.00
3-year range: 49.46 – 83.00
Dividend yield: 2.12%
Beta (5 years): 0.53
Shares outstanding: 10.8M
Next earnings: Jan 21, 2027

About the company

Great Southern Bancorp, Inc. is a bank holding company of Great Southern Bank (the Bank). The Company conducts its business as a financial holding company. Through the Bank and subsidiaries of the Bank, the Company primarily offers a variety of banking and banking-related services. The Company operates through a single segment, banking operation. The banking operation segment is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The Bank offers a range of banking services through its 89 banking centers located in southern and central Missouri; the Kansas City, Missouri area; the St. Louis area; eastern Kansas; northwestern Arkansas; the Minneapolis area and eastern, western and central Iowa.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	314	325	297	227	199	–
Revenue growth	−3.4%	9.4%	30.8%	14.2%	−8.7%	7.6%
EPS (basic, normalized)	6.15	5.10	5.65	6.07	5.63	–
EPS growth	20.7%	−9.9%	−6.8%	7.7%	31.4%	7.5%
Gross margin	–	–	–	–	–	–
Net margin	22.6%	19.0%	22.8%	33.5%	37.6%	27.1%
ROE	11.5%	10.6%	12.3%	13.4%	11.9%	11.9%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	14.6%
Long-term debt (mil)	25.8
Net debt (mil)	–
Total equity (mil)	613
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	314	−3.4%	5.9x	57.50	+7.7%	1.4x	5.26	0.0%	15.4x
2026	198	−37.0%	9.3x	57.76	+0.4%	1.4x	5.90	+12.2%	13.8x
2027	199	+0.5%	9.3x	61.77	+6.9%	1.3x	5.93	+0.5%	13.7x
2028	205	+3.2%	9.0x	66.00	+6.8%	1.2x	6.15	+3.6%	13.2x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	198	+1.4%	+1.4%	+1.6%	5.90	+0.1%	+0.1%	+3.7%
2027	199	+0.7%	+0.7%	−0.4%	5.93	+3.6%	+3.6%	+4.9%
2028	205	–	–	–	6.15	–	–	–

Earnings surprises EPS beat in 4 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	44.8	46.8	48.0	49.5	56.3	51.0	50.8	56.4	48.3	49.5
Sales mean (mil)	47.5	46.7	51.0	48.5	48.8	49.3	50.0	48.1	47.9	48.4
Surprise	−5.7%	+0.3%	−6.0%	+2.1%	+15.4%	+3.3%	+1.6%	+17.2%	+0.8%	+2.3%
EPS reported	1.13	1.45	1.41	1.27	1.47	1.72	1.56	1.45	1.58	1.57
EPS mean	1.04	1.21	1.26	1.32	1.27	1.34	1.48	1.34	1.29	1.38
Surprise	+9.0%	+20.1%	+11.9%	−3.8%	+16.1%	+28.2%	+5.4%	+8.3%	+22.5%	+14.2%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
GSBC Great Southern Bancorp Inc	873M	14.6%	22.6%	1.03x	13.8x	13.7x	1.4x	1.3x
MBWM Mercantile Bank Corporation	1.0B	12.3%	26.9%	1.11x	10.7x	10.3x	1.3x	1.2x
Mean		13.5%	24.8%	1.07x	12.3x	12.0x	1.4x	1.3x
Median		13.5%	24.8%	1.07x	12.3x	12.0x	1.4x	1.3x

Technical analysis

1M+4.2%
3M+1.1%
1Y+44.6%
3Y+81.6%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Great Southern Bancorp Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	314	325	297	227	199	218
Total interest expense	113	136	104	27.4	20.8	40.6
Net interest income	200	189	193	200	178	177
Loan loss provision	0	2.7	−3.1	6.2	−5.8	15.9
Net interest income after loan loss provision	200	186	196	193	184	161
Non-interest income	29.1	30.6	30.1	34.1	38.3	35.0
Non-interest expense	−142	−141	−141	−133	−128	−123
Net income before taxes	87.3	75.5	85.3	94.2	94.4	73.1
Provision for taxes	16.3	13.7	17.5	18.3	19.7	13.8
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	71.0	61.8	67.8	75.9	74.6	59.3
Extraordinary items	–	–	–	–	–	–
Net income	71.0	61.8	67.8	75.9	74.6	59.3
Basic weighted average shares (mil)	11.4	11.7	12.0	12.5	13.6	14.0
Diluted weighted average shares (mil)	11.5	11.8	12.1	12.6	13.7	14.1
Basic EPS excluding extraordinary items	6.23	5.28	5.65	6.07	5.50	4.22
Basic EPS, normalized	6.15	5.10	5.65	6.07	5.63	4.29

Balance sheet in millions of USD, fiscal years

Balance sheet, Great Southern Bancorp Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	110	109	103	105	90.0	92.4
Other earning assets	810	843	814	792	1,144	914
Net loans	4,357	4,690	4,590	4,507	4,008	4,297
Property, plant & equipment	133	132	139	141	133	139
Goodwill	–	–	–	–	–	–
Intangibles	9.7	10.1	10.5	10.8	6.1	6.9
Long-term investments	–	–	–	–	–	–
Other long-term assets	26.6	33.8	29.5	36.0	12.0	3.7
Other assets	153	163	127	88.8	58.0	73.6
Total assets	5,599	5,982	5,812	5,681	5,450	5,526
Liabilities
Accounts payable	3.6	12.8	6.2	3.0	0.6	2.6
Payable/accrued	–	–	–	–	–	–
Accrued expenses	56.6	70.6	76.4	73.8	26.0	29.8
Total deposits	4,483	4,606	4,722	4,685	4,552	4,517
Other bearing liabilities	330	513	–	–	–	0
Short-term borrowings	49.4	65.7	323	266	139	166
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	25.8	101	100	100	99.8	174
Minority interest	–	–	–	–	–	–
Other liabilities	14.3	13.8	12.4	19.4	15.8	7.5
Total liabilities	4,962	5,382	5,241	5,148	4,833	4,897
Shareholders' equity
Preferred stock	–	0	0	0	0	0
Common stock	0.1	0.1	0.1	0.1	0.1	0.1
Additional paid-in capital	54.1	50.3	44.3	42.4	38.3	35.0
Retained earnings (accumulated deficit)	614	603	570	544	546	541
Treasury stock	–	–	–	–	–	–
Other equity	−32.2	−54.4	−42.5	−53.4	32.8	53.2
Total equity	636	600	572	533	617	630
Total liabilities & shareholders' equity	5,599	5,982	5,812	5,681	5,450	5,526

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Great Southern Bancorp Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	71.0	61.8	67.8	75.9	74.6	59.3
Depreciation, depletion & amortization	8.5	8.9	9.3	9.7	11.1	12.1
Deferred taxes	−1.3	0.5	3.0	2.5	3.7	−11.5
Non-cash items	−10.7	−14.3	−17.1	−4.4	−8.4	−4.8
Changes in working capital	14.0	−12.9	17.7	−17.1	3.9	−9.1
Cash from operations	81.5	44.1	80.7	66.6	85.0	46.0
Investing activities
Capital expenditures	−11.5	−4.9	−7.3	−20.1	−5.7	−8.2
Other investing cash flows	379	−170	−80.9	−781	196	−123
Cash from investing	367	−175	−88.2	−801	191	−131
Financing activities
Financing cash flow items	−122	64.3	35.0	133	33.8	557
Cash dividends paid	−18.7	−18.7	−19.3	−19.2	−18.8	−33.4
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−314	70.2	34.6	71.9	−137	−94.6
Cash from financing	−455	116	50.3	186	−122	429
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−6.2	−15.6	42.8	−549	154	344
Free cash flow	70.1	39.1	73.4	46.5	79.2	37.8

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.