What is Great Southn Bancorp Inc's earnings per share (EPS)?

Great Southn Bancorp Inc (GSBC) reported diluted earnings per share of $6.19 for fiscal year 2025. This represents a 17.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Great Southn Bancorp Inc Financials

GSBC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Great Southn Bancorp Inc (GSBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 36/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Great Southn Bancorp Inc's revenue declined 3.4% year-over-year, from $324.7M to $313.7M. This contraction results in a growth score of 28/100.

Leverage

Great Southn Bancorp Inc has elevated debt relative to equity (D/E of 7.80), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Great Southn Bancorp Inc converts 22.3% of revenue into free cash flow ($70.1M). This strong cash generation earns a score of 81/100.

Returns

Great Southn Bancorp Inc's ROE of 11.2% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.3% the prior year.

Piotroski F-Score Neutral

6/9

Great Southn Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.15x

For every $1 of reported earnings, Great Southn Bancorp Inc generates $1.15 in operating cash flow ($81.5M OCF vs $71.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$313.7M

YoY-3.4%

5Y CAGR+7.6%

10Y CAGR+5.5%

Great Southn Bancorp Inc generated $313.7M in revenue in fiscal year 2025. This represents a decrease of 3.4% from the prior year.

EBITDA

N/A

Net Income

$71.0M

YoY+14.8%

5Y CAGR+3.7%

10Y CAGR+4.3%

Great Southn Bancorp Inc reported $71.0M in net income in fiscal year 2025. This represents an increase of 14.8% from the prior year.

EPS (Diluted)

$6.19

YoY+17.7%

5Y CAGR+8.0%

10Y CAGR+6.6%

Great Southn Bancorp Inc earned $6.19 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$70.1M

YoY+79.0%

5Y CAGR+13.1%

10Y CAGR+2.5%

Great Southn Bancorp Inc generated $70.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 79.0% from the prior year.

Cash & Debt

$189.6M

YoY-3.2%

5Y CAGR-19.6%

10Y CAGR-0.5%

Great Southn Bancorp Inc held $189.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.66

YoY+3.7%

5Y CAGR-6.8%

Great Southn Bancorp Inc paid $1.66 per share in dividends in fiscal year 2025. This represents an increase of 3.7% from the prior year.

Shares Outstanding

11M

YoY-5.6%

5Y CAGR-4.3%

10Y CAGR-2.2%

Great Southn Bancorp Inc had 11M shares outstanding in fiscal year 2025. This represents a decrease of 5.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.6%

YoY+3.6pp

5Y CAGR-4.6pp

10Y CAGR-2.6pp

Great Southn Bancorp Inc's net profit margin was 22.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.6 percentage points from the prior year.

Return on Equity

11.2%

YoY+0.9pp

5Y CAGR+1.7pp

10Y CAGR-0.5pp

Great Southn Bancorp Inc's ROE was 11.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$44.5M

YoY+193.4%

5Y CAGR+15.0%

Great Southn Bancorp Inc spent $44.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 193.4% from the prior year.

Capital Expenditures

$11.5M

YoY+132.8%

5Y CAGR+6.9%

Great Southn Bancorp Inc invested $11.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 132.8% from the prior year.

GSBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$313.7M-3.4%	$324.7M+9.4%	$296.8M+30.8%	$227.0M+14.2%	$198.7M-8.7%	$217.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$113.5M-16.3%	$135.6M+30.8%	$103.6M+278.7%	$27.4M+31.9%	$20.8M-48.8%	$40.6M
Income Tax	$16.3M+19.2%	$13.7M-22.0%	$17.5M-3.9%	$18.3M-7.5%	$19.7M+43.2%	$13.8M
Net Income	$71.0M+14.8%	$61.8M-8.8%	$67.8M-10.7%	$75.9M+1.8%	$74.6M+25.8%	$59.3M
EPS (Diluted)	$6.19+17.7%	$5.26-6.2%	$5.61-6.8%	$6.02+10.3%	$5.46+29.7%	$4.21

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$73.4M-7.1%	$79.1M-2.3%	$81.0M+0.9%	$80.2M-2.8%	$82.6M-1.4%	$83.8M+3.5%	$80.9M+4.6%	$77.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$24.3M-14.3%	$28.3M-5.7%	$30.0M-2.9%	$30.9M-6.5%	$33.1M-7.7%	$35.8M+5.0%	$34.1M+4.7%	$32.6M
Income Tax	$3.2M-26.5%	$4.3M-3.3%	$4.5M+4.8%	$4.3M+41.0%	$3.0M-16.0%	$3.6M-6.2%	$3.9M+22.1%	$3.2M
Net Income	$16.3M-8.3%	$17.8M-10.3%	$19.8M+15.3%	$17.2M+15.0%	$14.9M-9.5%	$16.5M-2.9%	$17.0M+26.7%	$13.4M
EPS (Diluted)	N/A	$1.56-9.3%	$1.72+17.0%	$1.47	N/A	$1.41-2.8%	$1.45+28.3%	$1.13

GSBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.6B-6.4%	$6.0B+2.9%	$5.8B+2.3%	$5.7B+4.2%	$5.4B-1.4%	$5.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$189.6M-3.2%	$195.8M-7.4%	$211.3M+25.4%	$168.5M-76.5%	$717.3M+27.2%	$563.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.7M-4.3%	$10.1M-4.1%	$10.5M-2.6%	$10.8M+77.8%	$6.1M-12.4%	$6.9M
Total Liabilities	$5.0B-7.8%	$5.4B+2.7%	$5.2B+1.8%	$5.1B+6.5%	$4.8B-1.3%	$4.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$636.1M+6.1%	$599.6M+4.9%	$571.8M+7.3%	$533.1M-13.6%	$616.8M-2.1%	$629.7M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$5.6B-2.4%	$5.7B-2.0%	$5.9B-2.3%	$6.0B+0.2%	$6.0B-0.9%	$6.0B+1.3%	$6.0B+3.1%	$5.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$189.6M-3.4%	$196.2M-20.2%	$245.9M+13.2%	$217.2M+10.9%	$195.8M-6.1%	$208.4M+11.7%	$186.5M+8.8%	$171.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$9.7M-1.1%	$9.8M-1.1%	$9.9M-1.1%	$10.0M-1.1%	$10.1M-1.1%	$10.2M-1.0%	$10.3M-1.0%	$10.4M
Total Liabilities	$5.0B-2.8%	$5.1B-2.4%	$5.2B-2.8%	$5.4B0.0%	$5.4B-0.8%	$5.4B+0.6%	$5.4B+3.4%	$5.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$636.1M+0.5%	$632.9M+1.7%	$622.4M+1.5%	$613.3M+2.3%	$599.6M-2.0%	$612.1M+7.6%	$568.8M+0.6%	$565.2M
Retained Earnings	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

GSBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$81.5M+85.0%	$44.1M-45.4%	$80.7M-4.9%	$84.8M-9.5%	$93.7M+103.6%	$46.0M
Capital Expenditures	$11.5M+132.8%	$4.9M-32.5%	$7.3M-63.7%	$20.1M+250.4%	$5.7M-30.2%	$8.2M
Free Cash Flow	$70.1M+79.0%	$39.1M-46.7%	$73.4M+13.4%	$64.7M-26.4%	$88.0M+132.7%	$37.8M
Investing Cash Flow	$367.2M+309.3%	-$175.4M-98.8%	-$88.2M+89.2%	-$819.5M-550.4%	$181.9M+238.5%	-$131.3M
Financing Cash Flow	-$454.9M-493.0%	$115.8M+130.0%	$50.3M-72.9%	$186.0M+252.2%	-$122.2M-128.5%	$428.9M
Dividends Paid	$18.7M+0.1%	$18.7M-3.0%	$19.3M+0.5%	$19.2M+2.0%	$18.8M-43.8%	$33.4M
Share Buybacks	$44.5M+193.4%	$15.2M-35.0%	$23.3M-62.3%	$61.8M+58.1%	$39.1M+77.0%	$22.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$21.6M+287.0%	$5.6M-85.8%	$39.3M+162.1%	$15.0M+53.3%	$9.8M-44.7%	$17.7M-59.3%	$43.5M+261.5%	-$26.9M
Capital Expenditures	$3.4M+95.7%	$1.7M-60.5%	$4.4M+127.6%	$1.9M+34.9%	$1.4M+22.2%	$1.2M-22.4%	$1.5M+86.8%	$809K
Free Cash Flow	$18.2M+373.3%	$3.9M-89.0%	$34.9M+167.1%	$13.1M+56.4%	$8.4M-49.5%	$16.5M-60.6%	$42.0M+251.3%	-$27.7M
Investing Cash Flow	$127.6M+85.9%	$68.6M-57.5%	$161.6M+1620.1%	$9.4M-41.7%	$16.1M+134.1%	-$47.3M+70.0%	-$157.7M-1264.3%	$13.5M
Financing Cash Flow	-$155.9M-25.8%	-$123.9M+28.0%	-$172.1M-5701.4%	-$3.0M+92.3%	-$38.5M-174.8%	$51.5M-60.2%	$129.3M+587.8%	-$26.5M
Dividends Paid	$4.8M+6.3%	$4.6M-1.4%	$4.6M-1.4%	$4.7M+0.4%	$4.7M+0.8%	$4.6M-1.0%	$4.7M-0.9%	$4.7M
Share Buybacks	$14.4M+43.5%	$10.0M+2.5%	$9.8M-4.1%	$10.2M+280.7%	$2.7M+2384.3%	$108K-98.3%	$6.5M+11.8%	$5.8M

GSBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.6%+3.6pp	19.0%-3.8pp	22.8%-10.6pp	33.5%-4.1pp	37.6%+10.3pp	27.2%
Return on Equity	11.2%+0.9pp	10.3%-1.6pp	11.9%-2.4pp	14.2%+2.1pp	12.1%+2.7pp	9.4%
Return on Assets	1.3%+0.2pp	1.0%-0.1pp	1.2%-0.2pp	1.3%-0.0pp	1.4%+0.3pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.80-1.2	8.98-0.2	9.16-0.5	9.66+1.8	7.84+0.1	7.78
FCF Margin	22.3%+10.3pp	12.0%-12.7pp	24.7%-3.8pp	28.5%-15.8pp	44.3%+26.9pp	17.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.2%-0.3pp	22.4%-2.0pp	24.4%+3.0pp	21.4%+3.3pp	18.1%-1.6pp	19.7%-1.3pp	21.0%+3.7pp	17.3%
Return on Equity	2.6%-0.2pp	2.8%-0.4pp	3.2%+0.4pp	2.8%+0.3pp	2.5%-0.2pp	2.7%-0.3pp	3.0%+0.6pp	2.4%
Return on Assets	0.3%-0.0pp	0.3%-0.0pp	0.3%+0.1pp	0.3%+0.0pp	0.3%-0.0pp	0.3%-0.0pp	0.3%+0.1pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.80-0.3	8.07-0.3	8.41-0.4	8.77-0.2	8.98+0.1	8.86-0.6	9.48+0.3	9.22
FCF Margin	24.8%+20.0pp	4.9%-38.2pp	43.1%+26.8pp	16.3%+6.2pp	10.1%-9.6pp	19.7%-32.1pp	51.9%+87.7pp	-35.9%

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Frequently Asked Questions

What is Great Southn Bancorp Inc's annual revenue?

Great Southn Bancorp Inc (GSBC) reported $313.7M in total revenue for fiscal year 2025. This represents a -3.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Great Southn Bancorp Inc's revenue growing?

Great Southn Bancorp Inc (GSBC) revenue declined by 3.4% year-over-year, from $324.7M to $313.7M in fiscal year 2025.

Is Great Southn Bancorp Inc profitable?

Yes, Great Southn Bancorp Inc (GSBC) reported a net income of $71.0M in fiscal year 2025, with a net profit margin of 22.6%.

What is Great Southn Bancorp Inc's net profit margin?

Great Southn Bancorp Inc (GSBC) had a net profit margin of 22.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Great Southn Bancorp Inc pay dividends?

Yes, Great Southn Bancorp Inc (GSBC) paid $1.66 per share in dividends during fiscal year 2025.

What is Great Southn Bancorp Inc's return on equity (ROE)?

Great Southn Bancorp Inc (GSBC) has a return on equity of 11.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Great Southn Bancorp Inc's free cash flow?

Great Southn Bancorp Inc (GSBC) generated $70.1M in free cash flow during fiscal year 2025. This represents a 79.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Great Southn Bancorp Inc's operating cash flow?

Great Southn Bancorp Inc (GSBC) generated $81.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Great Southn Bancorp Inc's total assets?

Great Southn Bancorp Inc (GSBC) had $5.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Great Southn Bancorp Inc's capital expenditures?

Great Southn Bancorp Inc (GSBC) invested $11.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Great Southn Bancorp Inc buy back shares?

Yes, Great Southn Bancorp Inc (GSBC) spent $44.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Great Southn Bancorp Inc have outstanding?

Great Southn Bancorp Inc (GSBC) had 11M shares outstanding as of fiscal year 2025.

What is Great Southn Bancorp Inc's debt-to-equity ratio?

Great Southn Bancorp Inc (GSBC) had a debt-to-equity ratio of 7.80 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Great Southn Bancorp Inc's return on assets (ROA)?

Great Southn Bancorp Inc (GSBC) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Great Southn Bancorp Inc's Piotroski F-Score?

Great Southn Bancorp Inc (GSBC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Great Southn Bancorp Inc's earnings high quality?

Great Southn Bancorp Inc (GSBC) has an earnings quality ratio of 1.15x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Great Southn Bancorp Inc?

Great Southn Bancorp Inc (GSBC) scores 36 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.