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Financials · GSBC

Great Southern Bancorp Inc. (GSBC) financials

For the twelve months ended Sep 30, 2026, Great Southern Bancorp Inc. reported $239.34M of revenue and $63.55M of net income.

Revenue, TTM
$239.34M
Revenue growth, YoY
-6.3%
Net income, TTM
$63.55M
Net income growth, YoY
-8.7%
Net margin
26.6%
Free cash flow, TTM
$63.61M
EPS, diluted, TTM
$5.72
EPS growth, YoY
-5.0%
Cash
$161.74M
P/E
13.86
P/S
3.68
Market cap
$881.1M
Annual revenue$229.28M
FY2016FY2025
Annual net income$70.97M
FY2016FY2025
Annual free cash flow$70.06M
FY2016FY2025

GSBC revenue and earnings growth

GSBC revenueQ3 2026$53.68M

Quarter YoY
-7.2%
QoQ
-5.6%
FY YoY
+4.4%
5Y CAGR
+1.6%
10Y CAGR
+2.3%

GSBC revenue was $53.68M in fiscal Q3 2026 (ended Sep 30, 2026), down 7.2% from a year earlier and down 5.6% from the prior quarter. For the full fiscal 2025 it was $229.28M, up 4.4% from fiscal 2024. Compound annual growth was +1.6% over 5 years and +2.3% over 10 years. It rose in 8 of the last 10 fiscal years.

GSBC net incomeQ3 2026$14.01M

Quarter YoY
-21.1%
QoQ
-11.3%
FY YoY
+14.8%
5Y CAGR
+3.7%
10Y CAGR
+4.3%

GSBC net income was $14.01M in fiscal Q3 2026 (ended Sep 30, 2026), down 21.1% from a year earlier and down 11.3% from the prior quarter. For the full fiscal 2025 it was $70.97M, up 14.8% from fiscal 2024. Compound annual growth was +3.7% over 5 years and +4.3% over 10 years. It rose in 6 of the last 10 fiscal years.

GSBC EPSQ3 2026$1.27

Quarter YoY
-18.6%
QoQ
-11.2%
FY YoY
+17.7%
5Y CAGR
+8.0%

GSBC diluted EPS was $1.27 in fiscal Q3 2026 (ended Sep 30, 2026), down 18.6% from a year earlier and down 11.2% from the prior quarter. For the full fiscal 2025 it was $6.19, up 17.7% from fiscal 2024. Compound annual growth was +8.0% over 5 years.

GSBC free cash flowQ3 2026$22.79M

Quarter YoY
+491.9%
QoQ
+741.1%
FY YoY
+79.0%
5Y CAGR
+13.1%
10Y CAGR
+2.5%

GSBC free cash flow was $22.79M in fiscal Q3 2026 (ended Sep 30, 2026), up 491.9% from a year earlier and up 741.1% from the prior quarter. For the full fiscal 2025 it was $70.06M, up 79.0% from fiscal 2024. Compound annual growth was +13.1% over 5 years and +2.5% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$229.28M$219.71M$223.29M$233.75M$216.24M$212.19M$211.35M$204.41M$193.68M$191.57M
Interest expense--$103.62M$27.36M$20.75M$40.56M$54.60M$37.76M$27.91M$22.12M
Pre-tax income$87.30M$75.50M$85.34M$94.20M$94.36M$73.09M$90.06M$81.95M$70.32M$61.86M
Income tax$16.32M$13.69M$17.54M$18.25M$19.74M$13.78M$16.45M$14.84M$18.76M$16.52M
Net income$70.97M$61.81M$67.80M$75.95M$74.63M$59.31M$73.61M$67.11M$51.56M$45.34M
EPS, basic$6.23$5.28$5.65$6.07$5.50$4.22$5.18$4.75$3.67$3.26
EPS, diluted$6.19$5.26$5.61$6.02$5.46$4.21$5.14$4.71$3.64$3.21
Diluted shares11.5M11.8M12.1M12.6M13.7M14.1M14,33014,26014,18014,141

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$189.55M$195.76M$211.33M$168.52M$717.27M$563.73M$220.16M$202.74M$242.25M$279.77M
Goodwill$9.66M$10.09M$10.53M$10.81M$6.08M$6.94M$8.10M$9.29M$10.85M$12.50M
Total assets$5.60B$5.98B$5.81B$5.68B$5.45B$5.53B$5.02B$4.68B$4.41B$4.55B
Short-term debt----$138.96M-$228.2K$192.72M$16.60M$172.32M
Total liabilities$4.96B$5.38B$5.24B$5.15B$4.83B$4.90B$4.41B$4.14B$3.94B$4.12B
Shareholders' equity$636.13M$599.57M$571.83M$533.09M$616.75M$629.74M$603.07M$531.98M$471.66M$429.81M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$81.52M$44.06M$80.70M$84.85M$93.74M$46.05M$86.42M$94.19M$62.82M$80.64M
Capital expenditures$11.46M$4.92M$7.30M$20.11M$5.74M$8.22M$11.79M$9.32M-$7.40M-$10.88M
Free cash flow$70.06M$39.14M$73.40M$64.74M$88.00M$37.82M$74.63M$84.88M$55.41M$69.76M
Investing cash flow$367.18M-$175.39M-$88.21M-$819.55M$181.95M-$131.35M-$295.15M-$381.32M$81.38M-$198.73M
Financing cash flow-$454.90M$115.75M$50.32M$185.95M-$122.15M$428.87M$226.14M$247.62M-$181.71M$198.68M
Dividends paid$18.72M$18.71M$19.28M$19.18M$18.80M$33.43M$29.05M$15.82M-$12.89M-$12.23M
Share repurchases$44.46M$15.15M$23.33M$61.85M$39.12M$22.10M$849.0K$903.0K$0$0

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY4.4%-1.6%-4.5%8.1%1.9%0.4%3.4%5.5%1.1%5.3%
Net income growth, YoY14.8%-8.8%-10.7%1.8%25.8%-19.4%9.7%30.1%13.7%-2.5%
EPS growth, YoY17.7%-6.2%-6.8%10.3%29.7%-9.1%29.4%13.4%-2.1%
Net margin31.0%28.1%30.4%32.5%34.5%28.0%34.8%32.8%26.6%23.7%
Free cash flow margin30.6%17.8%32.9%27.7%40.7%17.8%35.3%41.5%28.6%36.4%
Return on equity11.2%10.3%11.9%14.2%12.1%9.4%12.2%12.6%10.9%10.5%
Return on assets1.3%1.0%1.2%1.3%1.4%1.1%1.5%1.4%1.2%1.0%

Source: XBRL data Great Southern Bancorp Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

GSBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
GSBC$239.34M-6.3%$63.55M26.6%$881.1M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

GSBC FAQ

8 questions
  • What is GSBC revenue?
    Great Southern Bancorp Inc. (GSBC) reported $239.34M of revenue for the twelve months ended Sep 30, 2026. That is down 6.3% from the year before. Revenue for fiscal 2025 was $229.28M.
  • Is GSBC profitable?
    Yes. Great Southern Bancorp Inc. earned $63.55M in net income for the twelve months ended Sep 30, 2026, a net margin of 26.6%.
  • How much cash and debt does GSBC have?
    Great Southern Bancorp Inc. reported $161.74M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is GSBC revenue growing?
    Great Southern Bancorp Inc.'s revenue changed +4.4% in fiscal 2025, to $229.28M. Its compound annual growth rate was +1.6% over 5 years and +2.3% over 10 years.
  • What is GSBC free cash flow?
    Great Southern Bancorp Inc. generated $63.61M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $72.90M less capital expenditures.
  • What is GSBC earnings per share?
    Diluted earnings per share were $5.72 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did GSBC last report financial results?
    The latest statements here come from Great Southern Bancorp Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this GSBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Great Southern Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.