Great Southern Bancorp Inc (GSBC) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the GSBC SEC filings page.
Great Southern Bancorp Inc (GSBC) reported $226.4M in revenue over the twelve months to Jun 30, 2026, down 0.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
2025 earnings recovered with better cash conversion, while a smaller balance sheet and lower leverage changed how the bank was financed.
The earnings recovery was cash-backed: net income reached$71.0M in FY2025 while operating cash flow reached$81.5M , indicating profit was accompanied by cash generation. Cash conversion improved as free-cash-flow margin rose to30.6% while net margin reached31.0% , bringing reported cash output much closer to accounting profit after investment.
The bank’s reported leverage became less pronounced: debt-to-equity fell from 9.0x in FY2024 to 7.8x in FY2025. At the same time, return on assets improved from
Assets declined to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Great Southern Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Great Southern Bancorp Inc earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.0% the prior year. Earnings ranks banks on that return over three years, and Great Southern Bancorp Inc scores 72/100 among other banks.
Great Southern Bancorp Inc reported revenue of $229.3M in fiscal year 2025, against $219.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Great Southern Bancorp Inc scores 22/100 among other banks.
Great Southern Bancorp Inc funded 11.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $636.1M of equity against $5.6B of assets. Capital ranks banks on that cushion, and Great Southern Bancorp Inc scores 51/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Great Southern Bancorp Inc scores 53/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Great Southern Bancorp Inc scores 99/100 on it among other banks.
Great Southern Bancorp Inc reported net income of $71.0M in fiscal year 2025, against $61.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Great Southern Bancorp Inc scores 95/100 among other banks.
Great Southern Bancorp Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Great Southern 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
Earnings & Revenue
Great Southern Bancorp Inc generated $56.9M in revenue in Q2 2026. This represents a decrease of 3.9% from the same quarter a year earlier. Against the prior quarter it is up 2.7%.
Great Southern Bancorp Inc reported $15.8M in net income in Q2 2026. This represents a decrease of 20.2% from the same quarter a year earlier. Against the prior quarter it is down 9.6%.
Great Southern Bancorp Inc earned $1.43 per diluted share (EPS) in Q2 2026. This represents a decrease of 16.9% from the same quarter a year earlier. Against the prior quarter it is down 9.5%.
Not reported for Q2 2026.
Cash & Balance Sheet
Great Southern Bancorp Inc generated $2.7M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 92.2% from the same quarter a year earlier. Against the prior quarter it is down 86.4%.
Great Southern Bancorp Inc held $180.0M in cash as of Q2 2026; long-term debt is not reported for that period.
Great Southern Bancorp Inc paid $0.43 per share in dividends in Q2 2026. This represents an increase of 7.5% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Great Southern Bancorp Inc's net profit margin was 27.8% in Q2 2026, showing the share of revenue converted to profit. This is down 5.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.8 percentage points.
Great Southern Bancorp Inc's ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Great Southern Bancorp Inc spent $7.8M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 19.9% from the same quarter a year earlier. Against the prior quarter it is down 53.6%.
Great Southern Bancorp Inc invested $3.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 21.9% from the same quarter a year earlier. Against the prior quarter it is up 163.6%.
Not reported for Q2 2026.
GSBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $56.9M-3.9% | $55.4M-1.0% | $56.4M-0.2% | $57.8M+5.2% | $59.2M+4.5% | $55.9M+8.3% | $56.5M+9.2% | $55.0M+0.7% |
| SG&A Expenses | $20.7M+3.4% | $20.1M-0.3% | $19.6M+0.7% | $20.2M+3.3% | $20.0M+0.6% | $20.1M+2.4% | $19.5M-2.3% | $19.5M-0.6% |
| Interest Expense | $23.0M-23.5% | $22.8M-26.1% | $24.3M-26.6% | $28.3M-21.0% | $30.0M-12.0% | $30.9M-5.1% | $33.1M+5.5% | $35.8M+25.5% |
| Income Tax | $2.8M-36.7% | $4.0M-6.3% | $3.2M+5.0% | $4.3M+20.0% | $4.5M+16.4% | $4.3M+35.6% | $3.0M-5.5% | $3.6M-16.7% |
| Net Income | $15.8M-20.2% | $17.5M+1.8% | $16.3M+9.1% | $17.8M+7.7% | $19.8M+16.5% | $17.2M+28.0% | $14.9M+13.5% | $16.5M+3.8% |
| EPS (Basic) | $1.45-16.2% | $1.59+8.2% | $1.46+15.0% | $1.57+11.3% | $1.73+18.5% | $1.47+28.9% | $1.27+13.4% | $1.41+6.0% |
| EPS (Diluted) | $1.43-16.9% | $1.58+7.5% | $1.45+14.2% | $1.56+10.6% | $1.72+18.6% | $1.47+30.1% | $1.27+16.5% | $1.41+6.0% |
| Diluted Shares (Avg) | 11M-5.1% | 11M-5.6% | N/A | 11M-2.8% | 11M-1.5% | 12M-1.1% | N/A | 12M-2.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
GSBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.5B-5.7% | $5.7B-5.1% | $5.6B-6.4% | $5.7B-4.9% | $5.9B-1.7% | $6.0B+3.8% | $6.0B+2.9% | $6.0B+5.0% |
| Cash & Equivalents | $180.0M-26.8% | $187.4M-13.7% | $189.6M-3.2% | $196.2M-5.8% | $245.9M+31.9% | $217.2M+26.7% | $195.8M-7.4% | $208.4M+14.3% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $9.4M-4.4% | $9.6M-4.3% | $9.7M-4.3% | $9.8M-4.2% | $9.9M-4.2% | $10.0M-4.2% | $10.1M-4.1% | $10.2M-3.6% |
| Total Liabilities | $4.9B-6.7% | $5.1B-6.1% | $5.0B-7.8% | $5.1B-5.9% | $5.2B-2.9% | $5.4B+3.2% | $5.4B+2.7% | $5.4B+4.0% |
| Total Equity | $641.6M+3.1% | $633.6M+3.3% | $636.1M+6.1% | $632.9M+3.4% | $622.4M+9.4% | $613.3M+8.5% | $599.6M+4.9% | $612.1M+15.1% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt, Retained Earnings.
GSBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $6.1M-84.4% | $21.2M+41.2% | $21.6M+121.0% | $5.6M-68.5% | $39.3M-9.6% | $15.0M+155.7% | $9.8M-29.2% | $17.7M+125.9% |
| Capital Expenditures | $3.4M-21.9% | $1.3M-32.6% | $3.4M+137.4% | $1.7M+48.2% | $4.4M+191.0% | $1.9M+138.8% | $1.4M+26.8% | $1.2M-40.0% |
| Free Cash Flow | $2.7M-92.2% | $19.9M+52.1% | $18.2M+118.2% | $3.9M-76.7% | $34.9M-16.9% | $13.1M+147.1% | $8.4M-34.1% | $16.5M+181.0% |
| Investing Cash Flow | $156.4M-3.2% | -$99.8M-1162.9% | $127.6M+691.9% | $68.6M+245.1% | $161.6M+202.4% | $9.4M-30.7% | $16.1M+172.2% | -$47.3M+18.9% |
| Financing Cash Flow | -$170.0M+1.3% | $76.5M+2678.1% | -$155.9M-304.9% | -$123.9M-340.6% | -$172.1M-233.2% | -$3.0M+88.8% | -$38.5M-202.6% | $51.5M+78.3% |
| Dividends Paid | $4.7M+1.2% | $4.8M+1.5% | $4.8M+3.7% | $4.6M-1.6% | $4.6M-1.2% | $4.7M-0.6% | $4.7M-1.6% | $4.6M-3.2% |
| Share Buybacks | $7.8M-19.9% | $16.9M+65.7% | $14.4M+437.2% | $10.0M+9198.1% | $9.8M+50.1% | $10.2M+75.0% | $2.7M-25.2% | $108K-98.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.
GSBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.8%-5.7pp | 31.6%+0.9pp | 28.9%+2.5pp | 30.7%+0.7pp | 33.4%+3.4pp | 30.7%+4.7pp | 26.4%+1.0pp | 30.0%+0.9pp |
| Return on Equity | 2.5%-0.7pp | 2.8%0.0pp | 2.6%+0.1pp | 2.8%+0.1pp | 3.2%+0.2pp | 2.8%+0.4pp | 2.5%+0.2pp | 2.7%-0.3pp |
| Return on Assets | 0.3%-0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%0.0pp |
| Debt-to-Equity | 7.61-0.8x | 7.98-0.8x | 7.80-1.2x | 8.07-0.8x | 8.41-1.1x | 8.77-0.4x | 8.98-0.2x | 8.86-0.9x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 4.8%-54.2pp | 35.9%+12.6pp | 32.3%+17.6pp | 6.7%-23.4pp | 59.0%-15.1pp | 23.4%+77.1pp | 14.8%-9.7pp | 30.1%+19.3pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Great Southern Bancorp Inc GSBC | FY2025 | $229.3M | $71.0M | 30.9% | $836.3M | 65/100 |
| NB Bancorp, Inc. NBBK | FY2025 | $213.7M | $50.3M | 23.5% | $969.3M | 55/100 |
| Capital City Bank Group Inc CCBG | FY2025 | $254.0M | $61.6M | 24.2% | $823.1M | 52/100 |
| Mid Penn Bancorp, Inc. MPB | FY2025 | $225.9M | $56.2M | 24.9% | $904.5M | 63/100 |
| Camden National Corporation CAC | FY2025 | $255.8M | $65.2M | 25.5% | $937.6M | 48/100 |
| CNB Financial Corp/PA CCNE | FY2025 | $282.2M | $66.1M | 23.4% | $985.8M | 47/100 |
Where Great Southern Bancorp Inc Ranks
Frequently Asked Questions
What is Great Southern Bancorp Inc's annual revenue?
Great Southern Bancorp Inc (GSBC) reported $229.3M in total revenue for fiscal year 2025. This represents a 4.4% 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 Southern Bancorp Inc's revenue growing?
Great Southern Bancorp Inc (GSBC) revenue grew by 4.4% year-over-year, from $219.7M to $229.3M in fiscal year 2025.
Is Great Southern Bancorp Inc profitable?
Yes, Great Southern Bancorp Inc (GSBC) reported a net income of $71.0M in fiscal year 2025, with a net profit margin of 30.9%.
What is Great Southern Bancorp Inc's net profit margin?
Great Southern Bancorp Inc (GSBC) had a net profit margin of 30.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Great Southern Bancorp Inc pay dividends?
Yes, Great Southern Bancorp Inc (GSBC) paid $1.66 per share in dividends during fiscal year 2025.
What is Great Southern Bancorp Inc's return on equity (ROE)?
Great Southern 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 Southern Bancorp Inc's free cash flow?
Great Southern 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 Southern Bancorp Inc's operating cash flow?
Great Southern Bancorp Inc (GSBC) generated $81.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Great Southern Bancorp Inc's total assets?
Great Southern Bancorp Inc (GSBC) had $5.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Great Southern Bancorp Inc's capital expenditures?
Great Southern Bancorp Inc (GSBC) invested $11.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Great Southern Bancorp Inc's debt-to-equity ratio?
Great Southern 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 Southern Bancorp Inc's return on assets (ROA)?
Great Southern 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 Southern Bancorp Inc's P/E ratio?
Great Southern Bancorp Inc (GSBC) trades at 12.4x earnings, its market capitalization divided by net income of $67.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $836.3M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Great Southern Bancorp Inc's price-to-sales ratio?
Great Southern Bancorp Inc (GSBC) trades at 3.7x sales, its market capitalization divided by revenue of $226.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $836.3M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Great Southern Bancorp Inc's Piotroski F-Score?
Great Southern Bancorp Inc (GSBC) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Great Southern Bancorp Inc's earnings high quality?
Great Southern 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 Southern Bancorp Inc?
Great Southern Bancorp Inc (GSBC) scores 65 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.