Great Southern Bancorp (GSBC)


Market Price (11/6/2026): $80.74 | Market Cap: $879.9 MilSector: Financials | Industry: Regional Banks

Great Southern Bancorp (GSBC)


Market Price (11/6/2026): $80.74
Market Cap: $879.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

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Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.6%, FCF Yield is 5.0%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19%

Low stock price volatility
Vol 12M is 22%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Trading close to highs
Dist 52W High is -2.5%, Dist 3Y High is -2.5%

Weak multi-year price returns
3Y Excs Rtn is -7.4%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.7%, Rev Chg QQuarterly Revenue Change % is -3.9%

Key risks
GSBC key risks include [1] limited growth prospects stemming from its constrained scale and slow-growth geographic footprint.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.8%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.6%, FCF Yield is 5.0%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19%
2 Low stock price volatility
Vol 12M is 22%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
4 Trading close to highs
Dist 52W High is -2.5%, Dist 3Y High is -2.5%
5 Weak multi-year price returns
3Y Excs Rtn is -7.4%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.7%, Rev Chg QQuarterly Revenue Change % is -3.9%
7 Key risks
GSBC key risks include [1] limited growth prospects stemming from its constrained scale and slow-growth geographic footprint.

GSBC in ETFs

Weight = GSBC's share of each fund

VTI0.00%
ITOT0.00%
IWM0.02%
KRE0.25%
AVUV0.08%
IWN0.04%
DFAS0.03%
VTWO0.02%
+4 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

Great Southern Bancorp (GSBC) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

1. Strong Adjusted Fiscal Q3 2026 Earnings Beat. Great Southern Bancorp reported adjusted diluted earnings per share (EPS) of $1.50 for fiscal Q3 2026, which ended September 30, 2026. This performance exceeded the consensus analyst estimate of $1.39, and the company's revenue of $57.74 million also surpassed the $56.08 million estimate for the quarter. The adjusted results exclude a non-cash hedge accounting adjustment of approximately $2.5 million after tax that negatively impacted reported net income.

2. Expanded Net Interest Margin and Disciplined Balance Sheet Management. The company's net interest margin improved to 3.75% in fiscal Q3 2026, up from 3.72% in the same period a year prior. This expansion was attributed to disciplined pricing and active asset-liability management. Furthermore, Great Southern Bancorp strategically reduced its reliance on higher-cost brokered deposits, decreasing them by $299.6 million, or 45.2%, during the first nine months of fiscal 2026.

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Updated on 11/1/2026

Great Southern Bancorp (GSBC) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

1. Strong Adjusted Fiscal Q3 2026 Earnings Beat. Great Southern Bancorp reported adjusted diluted earnings per share (EPS) of $1.50 for fiscal Q3 2026, which ended September 30, 2026. This performance exceeded the consensus analyst estimate of $1.39, and the company's revenue of $57.74 million also surpassed the $56.08 million estimate for the quarter. The adjusted results exclude a non-cash hedge accounting adjustment of approximately $2.5 million after tax that negatively impacted reported net income.

2. Expanded Net Interest Margin and Disciplined Balance Sheet Management. The company's net interest margin improved to 3.75% in fiscal Q3 2026, up from 3.72% in the same period a year prior. This expansion was attributed to disciplined pricing and active asset-liability management. Furthermore, Great Southern Bancorp strategically reduced its reliance on higher-cost brokered deposits, decreasing them by $299.6 million, or 45.2%, during the first nine months of fiscal 2026.

3. Robust Asset Quality and Operational Efficiency Improvements. Great Southern Bancorp demonstrated strong asset quality in fiscal Q3 2026, with non-performing assets remaining low at 0.18% of total assets and net charge-offs at an annualized rate of 0.04% of average loans. Additionally, the company initiated strategic restructuring actions, including consolidating nine banking centers and eliminating 66 positions as of October 1, 2026. These measures are projected to generate $4.4 million to $4.8 million in gross annual expense savings, contributing an estimated $2.3 million to $2.7 million in annual pre-tax income improvement starting in fiscal Q4 2026.

4. Positive Analyst Sentiment and Shareholder Returns. Analysts reacted positively to the company's performance and strategic direction. Wall Street Zen upgraded Great Southern Bancorp's rating from "Sell" to "Hold" on October 17, 2026, while Weiss Ratings raised its rating from "buy (b-)" to "buy (b)" on October 8, 2026. Concurrently, the company reinforced its commitment to shareholder value by authorizing the repurchase of up to 1 million shares and declaring a consistent quarterly cash dividend of $0.43 per common share.

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Stock Movement Drivers

Fundamental Drivers

The 1.1% change in GSBC stock from 7/31/2026 to 11/5/2026 was primarily driven by a 6.0% change in the company's P/E Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)79.8780.731.1%
Change Contribution By: 
Total Revenues ($ Mil)229226-1.0%
Net Income Margin (%)31.2%29.7%-4.6%
P/E Multiple12.313.16.0%
Shares Outstanding (Mil)11111.0%
Cumulative Contribution1.1%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
GSBC1.1% 
Market (SPY)-1.9%32.6%
Sector (XLF)1.0%52.5%

Fundamental Drivers

The 19.6% change in GSBC stock from 4/30/2026 to 11/5/2026 was primarily driven by a 23.1% change in the company's P/E Multiple.
(LTM values as of)430202611052026Change
Stock Price ($)67.4880.7319.6%
Change Contribution By: 
Total Revenues ($ Mil)229226-1.3%
Net Income Margin (%)31.0%29.7%-4.0%
P/E Multiple10.613.123.1%
Shares Outstanding (Mil)11112.5%
Cumulative Contribution19.6%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
GSBC19.6% 
Market (SPY)2.3%14.6%
Sector (XLF)10.7%46.6%

Fundamental Drivers

The 48.6% change in GSBC stock from 10/31/2025 to 11/5/2026 was primarily driven by a 43.2% change in the company's P/E Multiple.
(LTM values as of)1031202511052026Change
Stock Price ($)54.3480.7348.6%
Change Contribution By: 
Total Revenues ($ Mil)227226-0.1%
Net Income Margin (%)30.2%29.7%-1.5%
P/E Multiple9.113.143.2%
Shares Outstanding (Mil)11115.4%
Cumulative Contribution48.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
GSBC48.6% 
Market (SPY)8.4%21.2%
Sector (XLF)11.1%46.4%

Fundamental Drivers

The 76.0% change in GSBC stock from 10/31/2023 to 11/5/2026 was primarily driven by a 88.0% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)45.8880.7376.0%
Change Contribution By: 
Total Revenues ($ Mil)240226-5.7%
Net Income Margin (%)33.1%29.7%-10.2%
P/E Multiple6.913.188.0%
Shares Outstanding (Mil)121110.6%
Cumulative Contribution76.0%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
GSBC76.0% 
Market (SPY)81.3%39.0%
Sector (XLF)85.5%57.7%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
GSBC Return24%3%3%3%6%34%93%
Peers Return47%-6%5%15%12%20%123%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
GSBC Win Rate67%50%50%50%50%64% 
Peers Win Rate70%43%47%48%55%60% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
GSBC Max Drawdown-16%-10%-19%-17%-18%-11% 
Peers Max Drawdown-16%-26%-36%-18%-22%-14% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NBHC, OZK, HTB, TRST, BY.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventGSBCS&P 500
2025 US Tariff Shock
  % Loss-14.4%-18.8%
  % Gain to Breakeven16.9%23.1%
  Time to Breakeven32 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-12.1%-9.5%
  % Gain to Breakeven13.8%10.5%
  Time to Breakeven32 days24 days
2023 SVB Regional Banking Crisis
  % Loss-17.3%-6.7%
  % Gain to Breakeven21.0%7.1%
  Time to Breakeven223 days31 days
2020 COVID-19 Crash
  % Loss-40.3%-33.7%
  % Gain to Breakeven67.6%50.9%
  Time to Breakeven348 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-19.1%-19.2%
  % Gain to Breakeven23.6%23.8%
  Time to Breakeven50 days105 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-13.1%-12.2%
  % Gain to Breakeven15.1%13.9%
  Time to Breakeven200 days62 days

Compare to NBHC, OZK, HTB, TRST, BY

In The Past

Great Southern Bancorp's stock fell -14.4% during the 2025 US Tariff Shock. Such a loss loss requires a 16.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventGSBCS&P 500
2020 COVID-19 Crash
  % Loss-40.3%-33.7%
  % Gain to Breakeven67.6%50.9%
  Time to Breakeven348 days140 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-21.4%-17.9%
  % Gain to Breakeven27.2%21.8%
  Time to Breakeven57 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-20.0%-15.4%
  % Gain to Breakeven25.0%18.2%
  Time to Breakeven147 days125 days
2008-2009 Global Financial Crisis
  % Loss-69.5%-53.4%
  % Gain to Breakeven228.3%114.4%
  Time to Breakeven186 days1085 days

Compare to NBHC, OZK, HTB, TRST, BY

In The Past

Great Southern Bancorp's stock fell -14.4% during the 2025 US Tariff Shock. Such a loss loss requires a 16.9% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Great Southern Bancorp (GSBC)

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Great Southern Bancorp, Inc. (GSBC) operates as a bank holding company for Great Southern Bank, providing a comprehensive range of financial services primarily to individuals and businesses. Its core business revolves around traditional banking activities, focusing on both deposit-taking and lending. The bank offers a variety of deposit products, including savings accounts, checking accounts, money market accounts, certificates of deposit, and individual retirement accounts. On the lending side, its portfolio is diverse, spanning residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and various secured and unsecured consumer loans such as automobile, boat, and home equity loans. Beyond its core banking operations, GSBC also provides insurance and merchant banking services.

The company maintains a significant physical footprint, operating 93 retail banking centers and approximately 200 automated teller machines across several Midwestern states including Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas. To support its lending activities, Great Southern Bancorp also maintains commercial and mortgage loan production offices in key metropolitan areas across the U.S., including Atlanta, Chicago, Dallas, Denver, Omaha, Phoenix, and Tulsa, as well as in Springfield, Missouri.

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AI Analysis | Feedback

Here are 1-3 brief analogies for Great Southern Bancorp (GSBC):

  • A regional bank similar to a smaller U.S. Bancorp, focused on retail and commercial banking across the Midwestern United States.
  • Like a traditional community bank that has expanded to serve a multi-state region in the central U.S., akin to a scaled-down PNC Financial Services.

AI Analysis | Feedback

  • Deposit Accounts: Offers a range of accounts for customers to save and manage money, including checking, savings, money market, and certificates of deposit.
  • Real Estate Loans: Provides financing for residential properties, commercial properties, and construction projects.
  • Commercial Business Loans: Offers various loans tailored to meet the financial needs of businesses.
  • Consumer Loans: Supplies loans for individual purposes, such as home improvement, automobiles, boats, and home equity.
  • Insurance Services: Delivers various insurance products to its customers.
  • Merchant Banking Services: Provides financial services specifically for businesses.

AI Analysis | Feedback

Great Southern Bancorp (GSBC) serves a diverse customer base, primarily consisting of individuals and businesses within its operating regions. It does not have a few major customer companies but rather serves a broad range of clients. Its major customer categories include:

  • Individual Consumers: This category includes individuals and households who utilize Great Southern Bank for personal deposit products such as checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. They also obtain various consumer loans, including residential real estate loans (mortgages), home improvement loans, automobile loans, boat loans, home equity loans, and unsecured consumer loans.
  • Commercial Businesses: This category encompasses small to medium-sized businesses that rely on Great Southern Bank for commercial business loans, lines of credit, commercial deposit products, and related financial services like merchant banking and insurance.
  • Real Estate Developers and Investors: This specific segment of commercial clients uses the bank for financing their commercial real estate projects and construction loans, which are a significant part of the bank's loan portfolio.

AI Analysis | Feedback

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Joseph W. Turner, President & Chief Executive Officer

Mr. Turner joined Great Southern in 1991 and became an officer of Bancorp in 1995. He became a director of Bancorp and Great Southern in 1997 and has served as President and Chief Executive Officer of Bancorp and Great Southern since 2000. Prior to joining Great Southern, Mr. Turner was an attorney with the Kansas City, Missouri law firm of Stinson LLP. He is the son of William V. Turner, the Chairman of the Board.

Rex A. Copeland, Senior Vice President and Chief Financial Officer, Treasurer

Mr. Copeland joined Great Southern Bank in 2000. He is responsible for the financial functions of the company, including internal and external financial reporting. Mr. Copeland previously practiced as a Certified Public Accountant. Prior to joining the Bank, he served other financial services companies in areas such as corporate accounting, internal audit, and independent public accounting.

William V. Turner, Chairman of the Board

Mr. Turner has served as Chairman of the Board of Great Southern since 1974. He was Chief Executive Officer of Great Southern from 1974 to 2000 and President from 1974 to 1997. Mr. Turner has served in similar capacities with Bancorp since its formation in 1989. He is the father of Joseph W. Turner, the current CEO and President.

Kevin L. Baker, Chief Credit Officer

Mr. Baker serves as the Chief Credit Officer for Great Southern Bancorp.

John M. Bugh, Chief Lending Officer

Mr. Bugh holds the position of Chief Lending Officer at Great Southern Bancorp.

AI Analysis | Feedback

The key risks to Great Southern Bancorp (GSBC) are:

  1. Intense Competition and Pressure on Net Interest Margin and Loan Growth: Great Southern Bancorp faces significant challenges from a competitive market, including increased competition from fintechs and digital banks. This intense competition can constrain loan demand, lead to unpredictable loan payoffs, and drive up the cost of deposits, ultimately impacting the company's net interest margin and overall profitability.

  2. Concentration Risk in Regional Commercial Real Estate Lending and Geographic Footprint: The company has a heavy reliance on regional commercial real estate lending and operates within a concentrated geographic footprint across Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas. This concentration heightens its vulnerability to local economic shifts and potential credit losses within these specific markets and property segments.

  3. Projected Decline in Earnings: Analysts have forecasted a decline in Great Southern Bancorp's earnings, with estimates suggesting an average decrease of 11.3% to 12.8% per year over the next three years.

AI Analysis | Feedback

The emergence of digital-only banks (neobanks) and financial technology (fintech) companies presents a clear emerging threat to Great Southern Bancorp and similar traditional financial institutions. These digital-first competitors, such as Chime, Ally Bank, SoFi Bank, and various lending and payment platforms, operate with significantly lower overheads by forgoing physical branch networks. They often offer more streamlined digital experiences, competitive interest rates, lower fees, and specialized services tailored for specific customer segments through advanced mobile applications and online platforms. This model directly challenges Great Southern Bancorp's established branch-based banking operations and its ability to attract and retain customers, particularly younger generations who increasingly prefer digital interactions for their banking needs.

AI Analysis | Feedback

Great Southern Bancorp (GSBC) operates in a regional market across several U.S. states, offering a range of financial products and services. The addressable markets for its main products are primarily within its operational footprint, encompassing deposit products and various loan categories.

Addressable Market Sizes by Product and Region (U.S. States)

For its deposit products, Great Southern Bancorp's addressable market in its key operating states is substantial:

  • Total Bank Deposits - Missouri: Approximately $252 billion (U.S., as of Q2 2024).
  • Total Bank Deposits - Arkansas: Approximately $102.3 billion (U.S., as of Q4 2024).
  • Total Bank Deposits - Nebraska: Approximately $91.55 billion (U.S., as of Q4 2024).
  • Total Bank Deposits - Iowa: Approximately $107 billion (U.S., as of year-end 2024).
  • Total Bank Deposits - Kansas: Approximately $99.7 billion (U.S., as of Q4 2024).

For its loan portfolio, the addressable markets for key lending categories are as follows:

  • New Home Loans - Missouri: Approximately $14.8 billion (U.S., new loans booked in 2024).
  • Small Business Loans - Missouri: Approximately $13.5 billion (U.S., 2024).
  • New Home Loans - Arkansas: Approximately $6.2 billion (U.S., new loans booked in 2024).
  • Small Business Loans - Arkansas: Approximately $6.7 billion (U.S., 2024).
  • Outstanding Mortgages - Nebraska: Just over $23 billion (U.S., total unpaid principal balance serviced as of Q3 2023).
  • New Mortgages Generated - Nebraska: Approximately $1.9 billion (U.S., new mortgages generated in the first three quarters of 2023).
  • Total Loans (encompassing residential, commercial, and consumer) - Kansas: Approximately $41.139 billion (U.S., 2024).
  • New Home Loans - Kansas: Approximately $6.3 billion (U.S., new loans booked in 2024).
  • Small Business Loans - Kansas: Approximately $5 billion (U.S., 2024).
  • Total Loans (encompassing residential, commercial, and consumer) - Iowa: Nearly $88 billion (U.S., provided by Iowa-domiciled banks as of year-end 2024).

Information on the specific addressable market sizes for insurance and merchant banking services for a regional bank within these states was not readily available.

AI Analysis | Feedback

Expected Drivers of Future Revenue Growth for Great Southern Bancorp (GSBC)

Over the next two to three years, Great Southern Bancorp (GSBC) is expected to drive future revenue growth through a combination of strategic financial management, targeted lending, diversification of income streams, and operational enhancements.
  1. Net Interest Margin (NIM) Management and Optimization: Great Southern Bancorp has demonstrated a focus on maintaining and improving its net interest margin through disciplined balance sheet management and proactive funding cost strategies. The company's ability to effectively manage interest rates and funding costs will be crucial in sustaining or slightly increasing its net interest income, a primary component of revenue.
  2. Strategic and Quality-Focused Loan Growth: Despite a competitive lending environment and elevated loan payoffs, GSBC continues to see healthy pipelines and production in its loan portfolio. The company's conservative underwriting approach and emphasis on strong asset quality suggest that future growth will come from strategically pursuing high-quality loans, particularly within segments like multi-family and commercial real estate.
  3. Expansion of Non-Interest Income Streams: While non-interest income has experienced some fluctuations, the company has shown growth in specific areas such as late charges and fees on loans, including prepayment fees on commercial real estate loans. Developing and diversifying these non-interest income sources beyond core lending activities will be a key driver for overall revenue growth.
  4. Operational Efficiency and Technology Investments: Great Southern Bancorp has improved its efficiency ratio through disciplined cost management. Ongoing investments in enhancing core technology systems are also anticipated. While these are not direct revenue drivers, improved operational efficiency and advanced technology can indirectly support revenue growth by optimizing resource allocation, potentially enabling the development of new products and services, and enhancing customer experience.

AI Analysis | Feedback

Share Repurchases

  • Great Southern Bancorp's Board of Directors authorized a new stock repurchase program in April 2025 for up to one million additional shares of common stock.
  • For the full year ended December 31, 2025, the company repurchased 755,000 shares of its common stock at an average price of $58.35.
  • As of December 31, 2025, approximately 687,000 shares remained available under the existing stock repurchase authorization.

Share Issuance

  • Stock option exercises contributed to an increase in stockholders' equity by $1.2 million during the first quarter of 2025.
  • Stock option exercises were also a factor in the overall increase in stockholders' equity for the full year 2025.

Capital Expenditures

  • The company continues to strategically invest in technology, infrastructure, and personnel to enable efficiencies and expand capabilities for its customers.
  • During the fourth quarter of 2025, certain facility-related costs were incurred.
  • Great Southern Bancorp expects to continue investing in technology throughout 2026.

Peer Outperformance in Regional Banks

GSBC has outperformed 60% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that GSBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
77%
of 281 industry peers · 43.7% return
3Y
33%
of 273 industry peers · 68.4% return
5Y
60%
of 262 industry peers · 58.5% return
No Regional Banks peer with a comparable growth profile has beaten GSBC by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is GSBC's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
Mkt Price80.7437.2551.0846.9256.5438.0649.00
Mkt Cap0.91.75.60.81.01.71.3
Rev LTM2264781,739215197457342
Op Inc LTM-------
FCF LTM441617629560162128
FCF 3Y Avg50139775255414996
CFO LTM551828669969165132
CFO 3Y Avg581698633762153107

Growth & Margins

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
Rev Chg LTM-0.1%16.0%4.0%4.4%10.2%9.9%7.2%
Rev Chg 3Y Avg-1.7%4.4%6.3%7.4%-0.9%9.8%5.4%
Rev Chg Q-3.9%15.7%0.5%1.0%10.5%6.6%3.8%
QoQ Delta Rev Chg LTM-1.0%3.7%0.1%0.2%2.6%1.6%0.9%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM24.1%38.2%49.8%45.9%35.1%36.0%37.1%
CFO/Rev 3Y Avg26.0%39.2%51.5%17.0%33.8%35.9%34.9%
FCF/Rev LTM19.5%33.6%43.8%44.1%30.3%35.5%34.6%
FCF/Rev 3Y Avg22.3%32.0%46.2%10.9%29.4%35.0%30.7%

Valuation

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
Mkt Cap0.91.75.60.81.01.71.3
P/S3.93.53.23.65.03.73.6
P/Op Inc-------
P/EBIT-------
P/E13.130.38.111.815.011.412.4
P/CFO16.19.16.57.814.210.39.7
Total Yield9.8%6.7%16.0%9.6%9.5%10.0%9.7%
Dividend Yield2.1%3.4%3.6%1.2%2.8%1.2%2.5%
FCF Yield 3Y Avg7.0%8.7%15.0%1.1%7.9%11.2%8.3%
D/E0.50.20.10.00.10.30.2
Net D/E0.3-0.4-0.3-0.6-0.1-0.6-0.3

Returns

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
1M Rtn1.9%-2.6%15.8%1.0%2.6%2.3%2.1%
3M Rtn-0.3%-12.4%0.1%-8.8%1.2%-2.8%-1.6%
6M Rtn17.0%-11.6%7.9%2.6%18.4%14.9%11.4%
12M Rtn43.7%5.7%19.7%18.5%49.8%42.2%30.9%
3Y Rtn68.5%27.6%46.1%123.0%131.3%97.0%82.7%
1M Excs Rtn5.2%0.3%20.0%3.2%5.7%5.9%5.4%
3M Excs Rtn1.5%-11.0%1.3%-6.5%4.2%-0.8%0.3%
6M Excs Rtn12.2%-16.4%3.1%-2.1%13.6%10.1%6.6%
12M Excs Rtn34.4%-6.4%5.4%6.6%38.7%30.1%18.3%
3Y Excs Rtn-7.4%-52.5%-23.3%54.1%67.5%27.3%10.0%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking operation229220223234216
Total229220223234216


Net Income by Segment
$ Mil202520242023
Banking operation716262
Total716262


Assets by Segment
$ Mil20252024
Banking operation5,5995,982
Total5,5995,982


Price Behavior

Price Behavior
Market Price$80.73 
Market Cap ($ Bil)0.9 
First Trading Date03/26/1990 
Distance from 52W High-2.5% 
   50 Days200 Days
DMA Price$79.03$71.89
DMA Trendindeterminateup
Distance from DMA2.1%12.3%
 3M1YR
Volatility16.1%22.4%
Downside Capture7.4711.52
Upside Capture27.3958.89
Correlation (S&P 500)12.5%19.0%
GSBC Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.060.120.230.090.320.74
Up Beta-1.31-0.610.30-0.300.380.82
Down Beta0.15-0.02-0.11-0.160.010.61
Up Capture38%41%32%43%52%51%
Bmk +ve Days12182862130427
Stock +ve Days13233367138388
Down Capture-43%5%28%6%22%90%
Bmk -ve Days10253664121325
Stock -ve Days9203057111360

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with GSBC
GSBC48.1%22.4%1.66-
Sector ETF (XLF)11.1%15.2%0.4746.6%
Equity (SPY)9.5%13.6%0.4121.2%
Gold (GLD)3.6%28.7%0.11-7.0%
Commodities (DBC)37.7%21.2%1.40-27.5%
Real Estate (VNQ)12.0%14.2%0.5537.6%
Bitcoin (BTCUSD)-20.8%43.3%-0.425.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with GSBC
GSBC10.6%27.0%0.36-
Sector ETF (XLF)9.1%18.4%0.3656.3%
Equity (SPY)11.3%17.3%0.4840.1%
Gold (GLD)17.5%19.1%0.74-2.9%
Commodities (DBC)8.0%19.6%0.293.3%
Real Estate (VNQ)1.2%18.9%-0.0543.1%
Bitcoin (BTCUSD)5.9%51.5%0.2917.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with GSBC
GSBC10.0%29.7%0.37-
Sector ETF (XLF)13.3%22.1%0.5468.2%
Equity (SPY)14.9%18.0%0.7050.9%
Gold (GLD)12.0%16.5%0.59-5.4%
Commodities (DBC)7.6%18.1%0.3314.5%
Real Estate (VNQ)5.7%20.7%0.2349.4%
Bitcoin (BTCUSD)61.3%66.2%1.0114.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.6 Mil
Short Interest: % Change Since 9302026-4.0%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest7.2 days
Basic Shares Quantity10.9 Mil
Short % of Basic Shares5.6%

Earnings Returns History

Updated 11/1/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/22/20262.5%3.9% 
7/16/2026-2.3%-2.2%1.8%
4/16/20262.1%0.0%0.4%
1/22/2026-0.9%-11.2%-3.7%
10/16/2025-10.6%-7.2%-5.6%
7/17/20255.1%2.4%1.5%
4/17/2025-1.1%1.6%7.6%
1/22/2025-1.0%1.7%-0.4%
...
SUMMARY STATS   
# Positive101313
# Negative141110
Median Positive1.6%1.7%3.7%
Median Negative-1.4%-2.7%-4.1%
Max Positive5.1%7.1%9.5%
Max Negative-10.6%-11.2%-13.5%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/22/20262.5%3.9% 
7/16/2026-2.3%-2.2%1.8%
4/16/20262.1%0.0%0.4%
1/22/2026-0.9%-11.2%-3.7%
10/16/2025-10.6%-7.2%-5.6%
7/17/20255.1%2.4%1.5%
4/17/2025-1.1%1.6%7.6%
1/22/2025-1.0%1.7%-0.4%
10/17/20240.6%1.0%9.1%
7/17/2024-1.1%-2.2%-12.4%
4/18/20241.6%7.1%5.8%
1/23/2024-4.9%-7.5%-13.5%
10/19/2023-1.7%0.9%9.5%
7/20/2023-3.1%0.3%-4.4%
4/20/2023-0.4%-3.0%-3.3%
1/24/2023-0.8%-2.7%-0.8%
10/20/2022-5.5%-2.7%-0.8%
7/21/20221.5%3.0%3.6%
4/21/2022-1.0%-4.0%-5.1%
1/25/20221.0%0.2%2.7%
10/21/20211.1%-1.5%1.6%
7/22/20211.5%4.9%6.2%
4/22/20211.8%2.0%3.7%
1/26/2021-3.8%-0.6%5.9%
SUMMARY STATS   
# Positive101313
# Negative141110
Median Positive1.6%1.7%3.7%
Median Negative-1.4%-2.7%-4.1%
Max Positive5.1%7.1%9.5%
Max Negative-10.6%-11.2%-13.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/07/202610-Q
12/31/202503/06/202610-K
09/30/202511/06/202510-Q
06/30/202508/07/202510-Q
03/31/202505/07/202510-Q
12/31/202403/07/202510-K
09/30/202411/06/202410-Q
06/30/202408/07/202410-Q
03/31/202404/30/202410-Q
12/31/202303/12/202410-K
09/30/202311/07/202310-Q
06/30/202308/04/202310-Q
03/31/202305/08/202310-Q
12/31/202203/13/202310-K
09/30/202211/08/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/07/202610-Q
12/31/202503/06/202610-K
09/30/202511/06/202510-Q
06/30/202508/07/202510-Q
03/31/202505/07/202510-Q
12/31/202403/07/202510-K
09/30/202411/06/202410-Q
06/30/202408/07/202410-Q
03/31/202404/30/202410-Q
12/31/202303/12/202410-K
09/30/202311/07/202310-Q
06/30/202308/04/202310-Q
03/31/202305/08/202310-Q
12/31/202203/13/202310-K
09/30/202211/08/202210-Q
06/30/202208/08/202210-Q
03/31/202205/06/202210-Q
12/31/202103/07/202210-K
09/30/202111/05/202110-Q
06/30/202108/05/202110-Q
03/31/202105/06/202110-Q
12/31/202003/05/202110-K
09/30/202011/06/202010-Q
06/30/202008/07/202010-Q
03/31/202005/08/202010-Q
12/31/201903/06/202010-K
09/30/201911/06/201910-Q

Recent Forward Guidance

Updated 11/2/2026

Latest: Q3 2026 Earnings Reported 10/22/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
Q4 2026 Weighted Average Yield on Purchased SecuritiesReported0.050.050.05   
Q4 2026 Average Replacement Rate on Maturing Retail Time DepositsReported0.030.030.04   
Q4 2026 Additional Interest Income from Swap AccretionReported 0.52 Mil    
Q4 2026 Effective Tax RateReported18.0%18.75%19.5%   
Q4 2026 Share RepurchasesReported 1.00 Mil    
2027 Annual Pre-Tax Income ImprovementReported2.30 Mil2.50 Mil2.70 Mil25.0% Higher NewGuidance: 2.00 Mil for 2026
2027 Annual Non-Interest Expense SavingsReported4.40 Mil4.60 Mil4.80 Mil   


Prior: Q2 2026 Earnings Reported 7/16/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Annual Pre-tax Income ImprovementReported 2.00 Mil    
2026 Effective Tax RateReported18.0%18.75%19.5% -0.2%LoweredGuidance: 19.0% for 2026

Q1 2026 Earnings Reported 4/16/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Effective Tax RateReported18.5%19.0%19.5% 0.0%AffirmedGuidance: 19.0% for 2026

Q4 2025 Earnings Reported 1/22/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Effective Tax RateReported18.5%19.0%19.5% -0.2%Lower NewGuidance: 19.25% for 2025

Insider Activity

Updated 8/20/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Brown, Julie AChildren's AccountsSell820202681.0085168,931571,212Form
2Steinert, Earl A JRDirectSell526202671.624,500322,27167,289,825Form
3Turner, William VDirectSell519202668.356,000410,10413,609,425Form
4Baker, Kevin LDirectSell506202669.962,800195,888979Form
5Maples, Mark ADirectSell504202668.952,387  Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Brown, Julie AChildren's AccountsSell820202681.0085168,931571,212Form
2Steinert, Earl A JRDirectSell526202671.624,500322,27167,289,825Form
3Turner, William VDirectSell519202668.356,000410,10413,609,425Form
4Baker, Kevin LDirectSell506202669.962,800195,888979Form
5Maples, Mark ADirectSell504202668.952,387  Form
6Copeland, Rex ATreasurerDirectSell501202668.7791462,8561,782,587Form
7Copeland, Rex ATreasurerDirectSell501202668.252,036138,9571,683,796Form
8Turner, Joseph WPresident/CEODirectSell501202668.166,000408,9629,282,206Form
9Bugh, John MDirectSell421202667.592,500168,975120,986Form
10Copeland, Rex ATreasurerDirectSell206202663.671,797114,4181,570,845Form
11Steinert, Earl A JRDirectSell204202663.491,50095,24059,658,239Form
12Carlson, Thomas JSpouseSell204202663.1768042,9561,086,903Form
13Carlson, Thomas JDirectSell129202659.892,000119,7805,989Form
14Turner, William VDirectSell129202659.706,000358,18711,886,568Form
15Turner, Joseph WPresident/CEODirectSell127202660.746,000364,4278,344,280Form
16Maples, Mark ADirectSell1201202559.931,450  Form
17Bugh, John MDirectSell1112202557.721,750101,009103,318Form
Core Cache Last Updated: 11/5/2026