Great Southern Bancorp, Inc. GSBC R2K

Financial Services · Banks - Regional · United States

https://www.greatsouthernbank.com

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The company's 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. Its loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

Market & Price

Market Cap

$781.59M

Current Price

$71.75

High / Low (52W)

$71.75 / $54.01

Beta

0.52

Valuation

Stock P/E

11.39

Industry PE

12.01

Forward P/E

12.69

PEG Ratio

1.88

Book Value

$58.27

Price to Book

1.23

P/S

3.41

EV/EBITDA

Dividend Yield

2.40%

Profitability & Returns

ROCE

ROE

11.43%

ROA

1.22%

Profit Margin

31.10%

Op Margin

40.38%

EPS (Latest Qtr)

$1.58

EPS (TTM)

$6.30

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$550.47M

Total Assets

$5.60B

Current Assets

Working Capital

Ownership

Promoter Holding

28.59%

Chg in Prom Hold

FII / Inst Holding

49.27%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.14B

Total Revenue (TTM)

$229.26M

EBITDA

Free Cash Flow

Operating Cash Flow

$87.70M

Shares Outstanding

10.89M

Gross Margin

0.00%

Payout Ratio

26.83%

Growth (CAGR)

Revenue 5Y

-0.64%

Profit 5Y

-2.23%

Revenue (YoY)

0.00%

Earnings (YoY)

7.50%

PROS

Excellent profit margin of 31.1%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -0.6% CAGR over 5 years.
Earnings shrank at -2.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	GSBC Great Southern Bancorp, Inc. R2K	71.75	11.39	$781.59M	2.40%	-	11.43%	-0.64%	-2.23%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2013	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	55.92M	59.17M	57.84M	56.35M	55.36M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	8.82M	-	-	11.65M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	30.91M	30.01M	28.31M	24.27M	22.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.45M	24.28M	22.10M	19.47M	21.50M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.29M	4.49M	4.35M	3.19M	4.02M
Net Income	8.22M	8.44M	8.82M	11.05M	11.59M	11.65M	12.00M	11.20M	9.79M	12.53M	11.22M	11.52M	16.18M	11.66M	13.47M	13.84M	22.52M	17.61M	18.38M	19.73K	14.87M	13.20M	13.45M	18.87M	20.11M	20.36M	16.99M	18.22M	18.13M	20.46M	18.32M	15.88M	13.41M	16.99M	16.49M	17.16M	19.79M	17.75M	16.27M	17.48M
Diluted EPS	0.59	0.61	0.63	0.79	0.83	0.83	0.85	0.79	0.70	0.89	0.80	0.81	1.14	0.82	0.95	0.97	1.57	1.23	1.28	1.38	1.04	0.93	0.96	1.36	1.46	1.49	1.30	1.44	1.46	1.67	1.52	1.33	1.13	1.45	1.41	1.47	1.72	1.56	1.45	1.58

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	233.75M	223.29M	219.71M	229.28M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	27.36M	103.62M	135.56M	113.50M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	94.20M	85.34M	75.50M	87.30M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	18.25M	17.54M	13.69M	16.32M
Net Income	65.05M	23.86M	30.27M	48.71M	33.73M	43.53M	46.50M	45.34M	51.56M	67.11M	73.61M	59.31M	-	75.95M	67.80M	61.81M	70.97M
Diluted EPS	4.44	1.46	1.93	3.54	2.42	3.10	3.28	3.21	3.64	4.71	5.14	4.21	-	6.02	5.61	5.26	6.19

Compounded Sales Growth

5 Years:	-0.64%
1 Year:	0.00%

Compounded Profit Growth

5 Years:	-2.23%
1 Year:	7.50%

Stock Price Performance

1 Year:	+31.84%
6 Months:	+20.61%
3 Months:	+17.42%
1 Month:	+6.22%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	3.41B	3.79B	3.96B	3.56B	3.95B	4.10B	4.55B	4.41B	4.68B	5.02B	5.53B	-	5.68B	5.81B	5.98B	5.60B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	167.92M	444.58M	429.97M	380.25M	404.14M	227.93M	218.65M	199.18M	279.77M	242.25M	202.74M	220.16M	563.73M	-	168.52M	211.33M	195.76M	189.55M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.11M	21.21M	20.43M	18.07M
Total Liabilities	-	-	3.11B	3.47B	3.59B	3.18B	3.53B	3.71B	4.12B	3.94B	4.14B	4.41B	4.90B	-	5.15B	5.24B	5.38B	4.96B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	100.06M	100.35M	100.65M	25.77M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	189.64M	352.96M	614.90M	356.70M
Total Equity	-	-	304.01M	324.59M	369.87M	380.70M	419.75M	398.23M	429.81M	471.66M	531.98M	603.07M	629.74M	-	533.09M	571.83M	599.57M	636.13M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.23M	11.80M	11.72M	11.06M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	38.77M	67.58M	101.43M	146.92M	93.92M	67.43M	71.43M	80.64M	62.82M	94.19M	86.42M	46.05M	-	84.85M	80.70M	44.06M	81.52M
Investing Cash Flow	382.07M	141.06M	-147.85M	241.41M	124.69M	35.87M	-196.19M	-198.73M	81.38M	-381.32M	-295.15M	-131.35M	-	-819.55M	-88.21M	-175.39M	367.18M
Financing Cash Flow	-144.18M	-223.25M	-3.30M	-364.44M	-394.83M	-112.58M	105.30M	198.68M	-181.71M	247.62M	226.14M	428.87M	-	185.95M	50.32M	115.75M	-454.90M
Capital Expenditure	15.12M	29.85M	19.43M	27.82M	13.85M	17.95M	16.70M	10.88M	7.40M	-9.32M	-11.79M	-8.22M	-	-20.11M	-7.30M	-4.92M	-11.46M
Free Cash Flow	53.89M	97.43M	120.86M	174.74M	107.77M	85.39M	88.13M	91.52M	70.22M	84.88M	74.63M	37.82M	-	64.74M	73.40M	39.14M	70.06M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-548.75M	42.81M	-15.58M	-6.20M
Share Buybacks	-	-	-6.44M	-	-	-512.00K	-	0	0	903.00K	849.00K	22.10M	39.12M	61.85M	23.33M	15.15M	44.46M
Dividends Paid	-12.38M	-12.57M	-12.24M	-12.99M	-7.96M	-11.26M	-12.29M	-12.23M	-12.89M	15.82M	29.05M	33.43M	18.80M	19.18M	19.28M	18.71M	18.72M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	32.5%	30.4%	28.1%	31.0%
ROE %	-	7.9%	9.3%	13.2%	8.9%	10.4%	11.7%	10.5%	10.9%	12.6%	12.2%	9.4%	-	14.2%	11.9%	10.3%	11.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

28.59%

Institutions

49.27%

Public Float

68.99%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	6.79%	739.17K	$53.04M
2	Dimensional Fund Advisors LP	6.34%	690.09K	$49.51M
3	Vanguard Capital Management LLC	3.65%	398.12K	$28.57M
4	State Street Corporation	2.93%	318.68K	$22.87M
5	American Century Companies Inc	2.82%	307.61K	$22.07M
6	Geode Capital Management, LLC	2.24%	243.95K	$17.50M
7	Renaissance Technologies, LLC	1.75%	190.30K	$13.65M
8	Hotchkis & Wiley Capital Management, LLC	1.41%	153.69K	$11.03M
9	LSV Asset Management	1.27%	138.28K	$9.92M
10	Two Sigma Investments, LP	1.17%	127.53K	$9.15M

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