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Great Southern Bancorp
(NASDAQ:GSBC)
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Rating:64Neutral
Price Target:
$84.00
▲(6.78% Upside)
Action:Reiterated
Date:10/23/26
GSBC scores in the mid-range primarily due to solid but slowing financial fundamentals (softening revenue, weaker recent cash flow, and higher leverage). Earnings-call commentary provides a constructive offset with strong credit quality and expected cost savings, while reasonable valuation supports the score. Technical signals are neutral, offering limited near-term momentum support.
Positive Factors
Strong Credit Quality
Exceptionally low non-performing loans and charge-offs indicate disciplined underwriting and resilient portfolio performance. Stable credit costs protect earnings, preserve capital, and give the bank a stronger foundation for continued lending if economic conditions remain supportive.
Negative Factors
Softening Revenue and Earnings
Falling revenue and slightly lower net income indicate that current earnings power is stable but not expanding. Continued top-line pressure could limit operating leverage and make it harder for the bank to grow profitability without further cost reductions or balance-sheet expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Credit Quality
Exceptionally low non-performing loans and charge-offs indicate disciplined underwriting and resilient portfolio performance. Stable credit costs protect earnings, preserve capital, and give the bank a stronger foundation for continued lending if economic conditions remain supportive.
Read all positive factors
Great Southern Bancorp (GSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$881.94M
Dividend Yield2.13%
Average Volume (3M)85.72K
Price to Earnings (P/E)14.1
Beta (1Y)0.60
Revenue Growth-10.14%
EPS Growth-3.90%
CountryUS
Employees966
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.04
Shares Outstanding10,897,507
10 Day Avg. Volume74,448
30 Day Avg. Volume85,721
Financial Highlights & Ratios
PEG Ratio0.55
Price to Book (P/B)1.10
Price to Sales (P/S)2.04
P/FCF Ratio10.59
Enterprise Value/Market Cap2.05
Enterprise Value/Revenue5.67
Enterprise Value/Gross Profit8.22
Enterprise Value/Ebitda21.85
Forecast
1Y Price Target
$76.00Price Target Upside-3.39% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)5.83
Revenue Forecast (FY)$224.20M
Great Southern Bancorp Business Overview & Revenue Model
Company Description
Great Southern Bancorp, Inc. functions as the bank holding company for Great Southern Bank, delivering a wide array of financial services across the United States. For depositors, the institution offers various account types, including standard sa...
How the Company Makes Money
Great Southern Bancorp primarily makes money through Great Southern Bank’s core banking activities. The largest driver of earnings is typically net interest income: the bank earns interest and fees on loans (including residential mortgages, commer...
Great Southern Bancorp Earnings Call Summary
Earnings Call Date:Oct 21, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 25, 2027
Earnings Call Sentiment Positive
The call was predominantly positive. Management reported resilient net interest margin, strong credit metrics, a robust lending pipeline, stable core deposits, capital strength, shareholder returns, and significant expected savings from completed branch and workforce reductions. These positives were partly offset by lower reported earnings, declining loan balances from payoffs and refinancing, lower non-interest income from the hedge accounting adjustment, expected margin moderation, and increases in non-performing assets and other real estate owned.Positive Updates
Adjusted Operating Earnings Remained Solid
Third-quarter net income was $14.0 million, or $1.27 per diluted common share. Excluding the non-cash hedge accounting adjustment, operating net income was $16.5 million, or $1.50 per diluted common share.
Negative Updates
Reported Net Income Declined Year Over Year and Sequentially
Third-quarter net income was $14.0 million, or $1.27 per diluted common share, compared with $17.8 million, or $1.56 per share, in the third quarter of 2025, and $15.8 million, or $1.43 per share, in the second quarter of 2026.
Read all updates
Q3-2026 Updates
Positive
Negative
Adjusted Operating Earnings Remained Solid
Third-quarter net income was $14.0 million, or $1.27 per diluted common share. Excluding the non-cash hedge accounting adjustment, operating net income was $16.5 million, or $1.50 per diluted common share.
Read all positive updates
Company Guidance
Management said the net interest margin could be in the “3.65% to 3.70% range,” with a “fairly modest” decrease from the securities purchase, partially offset by accretion income for “the next six quarters”; approximately $170,000 per month of accretion income is expected through April 2028, fully recovering the $3.5 million charge. The combined federal and state effective tax rate is expected to range generally from 18% to 19.5% in future periods. Banking center consolidations and workforce reductions are expected to produce approximately $4.4 million to $4.8 million in non-interest expense savings beginning in the fourth quarter of 2026 and approximately $2.3 million to $2.7 million in annual pre-tax income improvement beginning in the fourth quarter of this year, with some customer deposit attrition likely replaced by higher-cost alternative funding sources; fourth-quarter expenses are expected to be lower, generally speaking, although there could be some offset from additional technology-related expense.Great Southern Bancorp Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
62
Positive
Cash Flow
57
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 318.36M | 343.30M | 355.26M | 326.91M | 261.12M | 236.99M |
| Gross Profit | 219.47M | 229.76M | 216.99M | 226.37M | 227.57M | 222.00M |
| EBITDA | 82.60M | 95.81M | 84.45M | 94.66M | 103.88M | 105.50M |
| Net Income | 67.30M | 70.97M | 61.81M | 67.80M | 75.95M | 74.63M |
Balance Sheet | ||||||
| Total Assets | 5.52B | 5.60B | 5.98B | 5.81B | 5.68B | 5.45B |
| Cash, Cash Equivalents and Short-Term Investments | 97.20M | 661.99M | 729.13M | 689.54M | 659.11M | 1.22B |
| Total Debt | 511.25M | 405.17M | 166.34M | 172.81M | 277.98M | 238.32M |
| Total Liabilities | 4.88B | 4.96B | 5.38B | 5.24B | 5.15B | 4.83B |
| Stockholders Equity | 641.60M | 636.13M | 599.57M | 571.83M | 533.09M | 616.75M |
Cash Flow | ||||||
| Free Cash Flow | 44.09M | 66.24M | 39.14M | 73.40M | 46.47M | 79.24M |
| Operating Cash Flow | 54.54M | 77.71M | 44.06M | 80.70M | 66.58M | 84.98M |
| Investing Cash Flow | 252.81M | 370.99M | -175.39M | -88.21M | -801.28M | 190.71M |
| Financing Cash Flow | -373.28M | -454.90M | 115.75M | 50.32M | 185.95M | -122.15M |
Great Southern Bancorp Technical Analysis
Positive
78.67
Price Trends
78.53
Positive
77.88
Positive
71.01
Positive
Market Momentum
0.14
Negative
63.29
Neutral
80.58
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 78.67 is above the 20-day moving average (MA) of 78.13, above the 50-day MA of 78.53, and above the 200-day MA of 71.01, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 63.29 is Neutral, neither overbought nor oversold. The STOCH value of 80.58 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.
Great Southern Bancorp Risk Analysis
Great Southern Bancorp disclosed 35 risk factors in its most recent earnings report. Great Southern Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Great Southern Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $917.91M | 15.26 | 11.44% | 4.66% | 5.32% | 16.00% | |
75 Outperform | $864.73M | 13.81 | 11.12% | 2.12% | -0.70% | 2.48% | |
72 Outperform | $843.64M | 13.30 | 10.97% | 0.69% | 9.93% | 34.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $1.01B | 10.56 | 11.56% | 1.55% | 52.78% | 266.60% | |
64 Neutral | $881.94M | 14.05 | 10.07% | 2.13% | -10.14% | -3.90% | |
63 Neutral | $790.51M | 10.59 | 12.91% | 1.42% | 3.10% | 24.24% |
* Financial Sector Average
GSBC
Great Southern Bancorp
80.93
24.94
44.55%
CCBG
Capital City Bank
50.53
11.15
28.30%
FCBC
First Community Bancshares
48.54
17.54
56.60%
SMBC
Southern Missouri Bancorp
71.90
19.21
36.46%
EQBK
Equity Bancshares
48.88
7.95
19.42%
SMBK
SmartFinancial
49.34
14.41
41.27%
Great Southern Bancorp Corporate Events
Business Operations and StrategyDividends
Great Southern Bancorp Declares Consistent Third-Quarter Dividend
Positive
Sep 16, 2026
On September 16, 2026, Great Southern Bancorp, Inc. declared a third-quarter cash dividend of $0.43 per common share, maintaining its regular capital return to investors. The dividend will be paid on October 14, 2026, to shareholders of record on ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.