Great Southern Bancorp stock analysis
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Great Southern Bancorp (GSBC) Stock Price & Analysis
GSBC Stock Chart & Stats
- Day’s Range
- $80.96 - $81.86
- 52-Week Range
- $55.37 - $84.36
- Previous Close
- $81.72
- Volume
- N/A
- Average Volume (3M)
- 82.67K
- Market Cap
- $871.75M
- Enterprise Value
- $1.83B
- Total Cash (Recent Filing)
- $1.18B
- Total Debt (Recent Filing)
- $1.06B
- Price to Earnings (P/E)
- 14.2
- Beta
- 0.51
- Next Earnings
- Jan 25, 2027 (Est.)
- EPS Estimate
- 1.54
- Last Dividend Ex-Date
- Sep 28, 2026
- Dividend Yield
- 2.11%
Bulls Say, Bears Say
Bulls Say
Resilient Profitability And Cash Generation
Strong margins and close conversion of earnings into free cash flow indicate that reported profitability is supported by cash generation. This gives Great Southern capacity to fund operations, maintain shareholder returns, and absorb moderate pressure on lending or funding costs over the next several quarters.
Strong Credit Quality
Very low non-performing loans, charge-offs, and provision needs demonstrate currently sound underwriting and portfolio performance. Preserving this credit profile is important because it protects capital and earnings, allowing the bank to manage slower loan growth without a major deterioration in loss expense.
Structural Cost Savings
Completed branch and workforce actions should create a recurring reduction in the operating cost base rather than a one-time revenue benefit. The expected savings can support pre-tax income and improve operating efficiency, partly offsetting slower loan balances or softer net interest income.
Bears Say
Slowing Loan And Revenue Growth
Negative revenue momentum and shrinking loan balances point to a less supportive growth engine for a lending-focused bank. Continued payoffs, refinancing, and declines in commercial real estate and multifamily loans could constrain net interest income and limit operating leverage.
Rising Balance-sheet Leverage
The sharp increase in debt relative to equity reduces financial flexibility compared with prior years and makes earnings more sensitive to funding and credit conditions. Higher leverage can constrain capital allocation and leave less capacity to absorb weaker profitability or asset-quality pressure.
Funding And Margin Pressure
Expected margin moderation and possible customer deposit attrition create a durable risk to the bank's core spread income. Replacing lost deposits with more expensive funding could further compress profitability, reducing the benefit of securities income and planned cost savings.
Great Southern Bancorp News
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Great Southern Bancorp Stock Smart Score
Company Description
Great Southern Bancorp
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 savings, checking, and money market accounts. Its certificate products encompass fixed-rate certificates with diverse maturities, certificates of deposit (CDs), and brokered certificates, alongside individual retirement accounts (IRAs). The company's loan portfolio is extensive, featuring residential and commercial real estate loans, construction financing, and commercial business loans. It also provides consumer credit, ranging from unsecured personal loans to secured options such as automobile loans, boat loans, home equity loans, and loans backed by savings deposits. Beyond its core banking activities, Great Southern Bancorp also offers insurance and merchant banking services. As of December 31, 2021, the company maintained a significant operational footprint, with 93 retail banking centers and roughly 200 automated teller machines situated across Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas. Additionally, it operated seven loan production offices—six focusing on commercial lending and one on mortgages—in key metropolitan areas like Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix, Tulsa, Oklahoma, and Springfield, Missouri. Established in 1923, the company's primary offices are located in Springfield, Missouri.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Joseph William Turner
- Employees
- 966
- Website
- www.greatsouthernbank.com
- Address
- 1451 East Battlefield, Springfield, MO, 65804, US
Great Southern Bancorp (GSBC) Earnings & Revenues
GSBC Company Deck
GSBC Earnings Call
Earnings Call SentimentPositive
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.
View all GSBC earnings summariesGSBC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 11 | 0 | 1 |










