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Great Southern Bancorp (GSBC)

Market Price (6/25/2026): $76.54 | Market Cap: $841.0 MilSector: Financials | Industry: Regional Banks

Great Southern Bancorp (GSBC)

Market Price (6/25/2026): $76.54
Market Cap: $841.0 Mil
Sector: Financials
Industry: Regional Banks

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

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.6%, FCF Yield is 9.1%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -18%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 38%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%

Low stock price volatility
Vol 12M is 27%

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 0.0%, Dist 3Y High is 0.0%

Weak multi-year price returns
3Y Excs Rtn is -11%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.6%, Rev Chg QQuarterly Revenue Change % is -1.0%

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 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.6%, FCF Yield is 9.1%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -18%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 38%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34%
3 Low stock price volatility
Vol 12M is 27%
4 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
5 Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%
6 Weak multi-year price returns
3Y Excs Rtn is -11%
7 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.6%, Rev Chg QQuarterly Revenue Change % is -1.0%
8 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%
KRE0.15%
AVUV0.07%
IWN0.04%
DFAS0.02%
VTWO0.02%
+4 more covered ETFs

Valuation & Metrics

FYE: 12/31GSBC [1]S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]$228.7 Mil—
FY 2026 Sales$220.8 Mil—
FY 2027 Sales$226.9 Mil—
FY 2026 Sales Growth-3.4%—
FY 2027 Sales Growth2.8%8.2%
EARNINGS
LTM Net Income (GAAP) [3]$71.3 Mil—
FY 2026 Net Income (Non-GAAP)$64.9 Mil—
FY 2027 Net Income (Non-GAAP)$64.4 Mil—
FY 2027 Net Income Growth-0.7%16.0%
FY 2026 EPS (Non-GAAP)$5.70—
FY 2027 EPS (Non-GAAP)$5.66—
FY 2027 EPS Growth-0.7%—
VALUATION
FY 2026 P/S3.83.3
FY 2027 P/S3.7—
FY 2026 P/E13.020.2
FY 2027 P/E13.0—

[1] GSBC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 6/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).
GSBCS&P 500
REVENUE GROWTHVERY POOR
Rev LTM ($ Bil)0.2
Rev Chg Q-1.0%8.8%
Rev Chg LTM2.1%7.5%
Rev Chg 3Y Avg-1.6%5.9%
PROFITABILITYVERY GOOD
Op Inc LTM ($ Bil)�
CFO LTM ($ Bil)0.1
Net Inc LTM ($ Bil)0.1
CFO/Rev LTM38.3%21.4%
Net Inc Mgn31.2%13.0%
VALUATIONLOW
P/S3.73.3
P/CFO9.615.1
P/FCF10.919.5
P/E11.824.3

AI Analysis | Feedback

MetricValueDateSource
Efficiency Ratio62.45%9302025Link
Net Interest Margin3.72%9302025Link
Allowance for credit losses to period-end loans1.43%9302025Link
Non-performing assets to period-end assets0.16%12312024Link
Number of Offices9711072025Link
Number of Retail Banking Centers8911072025Link
Number of Employeesmore than 1,10011072025Link
Number of Customersmore than 222,70011072025Link
Number of Households Served130,0005072025Link

Price Chart

Upcoming
6/29/2026DividendAmount: $0.43
Payment On: 7/14/2026
7/15/2026Earnings ReleaseRev: $54 Mil (E)
EPS: $1.39 (E)

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 6/9/2026

Great Southern Bancorp (GSBC) stock has gained about 25% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat.

Great Southern Bancorp reported robust financial results for its fiscal Q1 2026, which ended March 31, 2026. The company announced diluted earnings per share (EPS) of $1.58, significantly surpassing analysts' consensus estimates of $1.27 by $0.31, representing a positive earnings surprise of 24.41%. Additionally, quarterly revenue of $55.36 million exceeded analyst projections of $54.75 million.

2. Increased Shareholder Returns through Dividend Hike and Buybacks.

The company demonstrated a commitment to returning capital to shareholders by increasing its quarterly dividend to $0.43 per common share from $0.40, announced on March 18, 2026. Furthermore, Great Southern Bancorp continued its share repurchase program, buying back 268,664 shares for US$16.8 million during fiscal Q1 2026, representing 2.43% of its shares.

Show more
Updated on 6/9/2026

Great Southern Bancorp (GSBC) stock has gained about 25% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat.

Great Southern Bancorp reported robust financial results for its fiscal Q1 2026, which ended March 31, 2026. The company announced diluted earnings per share (EPS) of $1.58, significantly surpassing analysts' consensus estimates of $1.27 by $0.31, representing a positive earnings surprise of 24.41%. Additionally, quarterly revenue of $55.36 million exceeded analyst projections of $54.75 million.

2. Increased Shareholder Returns through Dividend Hike and Buybacks.

The company demonstrated a commitment to returning capital to shareholders by increasing its quarterly dividend to $0.43 per common share from $0.40, announced on March 18, 2026. Furthermore, Great Southern Bancorp continued its share repurchase program, buying back 268,664 shares for US$16.8 million during fiscal Q1 2026, representing 2.43% of its shares.

3. Positive Analyst Sentiment and Upgrades.

Analysts responded favorably to the company's performance and outlook during the period. Zacks upgraded GSBC to a "Strong Buy" (Rank #1) on June 5, 2026, driven by an upward trend in earnings estimates. Earlier, on April 17, 2026, Keefe, Bruyette & Woods raised their price target for GSBC from $63.00 to $65.00.

4. Constructive Regional Banking Sector Outlook.

The broader regional banking sector experienced a generally constructive environment, contributing to positive sentiment for companies like Great Southern Bancorp. Analysts anticipated 2026 to be a strong year for regional and community banks, building on 2025's outperformance, as they were expected to benefit from lower interest rates and a steeper yield curve. While some headwinds such as rising CPI data emerged in May, the overall outlook for stable performance and potential for net interest margin expansion remained supportive.

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Stock Movement Drivers

Fundamental Drivers

The 25.3% change in GSBC stock from 2/28/2026 to 6/24/2026 was primarily driven by a 18.6% change in the company's P/E Multiple.
(LTM values as of)22820266242026Change
Stock Price ($)61.1076.5425.3%
Change Contribution By: 
Total Revenues ($ Mil)229229-0.3%
Net Income Margin (%)30.3%31.2%2.7%
P/E Multiple9.911.818.6%
Shares Outstanding (Mil)11113.2%
Cumulative Contribution25.3%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/24/2026
ReturnCorrelation
GSBC25.3% 
Market (SPY)7.2%26.1%
Sector (XLF)5.0%49.3%

Fundamental Drivers

The 29.0% change in GSBC stock from 11/30/2025 to 6/24/2026 was primarily driven by a 22.1% change in the company's P/E Multiple.
(LTM values as of)113020256242026Change
Stock Price ($)59.3376.5429.0%
Change Contribution By: 
Total Revenues ($ Mil)229229-0.3%
Net Income Margin (%)30.3%31.2%2.7%
P/E Multiple9.711.822.1%
Shares Outstanding (Mil)11113.2%
Cumulative Contribution29.0%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/24/2026
ReturnCorrelation
GSBC29.0% 
Market (SPY)7.9%21.1%
Sector (XLF)1.6%47.1%

Fundamental Drivers

The 40.6% change in GSBC stock from 5/31/2025 to 6/24/2026 was primarily driven by a 22.1% change in the company's P/E Multiple.
(LTM values as of)53120256242026Change
Stock Price ($)54.4276.5440.6%
Change Contribution By: 
Total Revenues ($ Mil)2242292.1%
Net Income Margin (%)29.3%31.2%6.5%
P/E Multiple9.711.822.1%
Shares Outstanding (Mil)12115.9%
Cumulative Contribution40.6%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/24/2026
ReturnCorrelation
GSBC40.6% 
Market (SPY)25.8%31.3%
Sector (XLF)7.0%55.3%

Fundamental Drivers

The 71.4% change in GSBC stock from 5/31/2023 to 6/24/2026 was primarily driven by a 72.0% change in the company's P/E Multiple.
(LTM values as of)53120236242026Change
Stock Price ($)44.6576.5471.4%
Change Contribution By: 
Total Revenues ($ Mil)242229-5.6%
Net Income Margin (%)32.8%31.2%-4.9%
P/E Multiple6.911.872.0%
Shares Outstanding (Mil)121111.0%
Cumulative Contribution71.4%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/24/2026
ReturnCorrelation
GSBC71.4% 
Market (SPY)82.4%39.9%
Sector (XLF)77.5%58.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
GSBC Return24%3%3%3%6%24%79%
Peers Return47%-6%5%15%12%20%124%
S&P 500 Return27%-19%24%23%16%8%96%

Monthly Win Rates [3]
GSBC Win Rate67%50%50%50%50%83% 
Peers Win Rate70%43%47%48%55%77% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
GSBC Max Drawdown-16%-10%-19%-17%-18%-11% 
Peers Max Drawdown-16%-26%-36%-18%-22%-11% 
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 6/24/2026 (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.

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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.

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RXTRackspace Technology1.764.3%602.4%
APGEApogee Therapeutics9.263.5%75.8%

Top Losers

TickerCompanyMkt Cap (B)1M RtnYTD Rtn
ADCTADC Therapeutics0.2-68.4%-69.7%
VRRMVerra Mobility0.7-67.5%-80.4%
SATLSatellogic0.7-52.5%169.5%
AXTIAXT3.7-50.2%329.0%
LUNRIntuitive Machines2.3-50.0%17.9%
FLYFirefly Aerospace4.0-49.5%11.7%
TMCRMetals Royalty0.4-47.5%-48.4%
BKSYBlackSky Technology0.9-47.3%34.5%
SOCSable Offshore1.1-46.2%-12.1%
HTZHertz Global0.9-43.4%-41.6%

More From Trefis

Research & Analysis

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Wealth Management

Peer Comparisons

Peers to compare with:

Financials

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
Mkt Price76.5444.5650.9648.9853.8936.4949.97
Mkt Cap0.82.05.60.81.01.61.3
Rev LTM2294361,737215192450333
Op Inc LTM-------
FCF LTM7741701845916581
FCF 3Y Avg63115763245015889
CFO LTM8866808896816788
CFO 3Y Avg711498473758162110

Growth & Margins

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
Rev Chg LTM2.1%8.5%4.5%5.4%9.3%11.0%7.0%
Rev Chg 3Y Avg-1.6%5.4%8.9%10.4%-1.9%10.9%7.2%
Rev Chg Q-1.0%24.5%2.2%5.9%9.3%8.3%7.1%
QoQ Delta Rev Chg LTM-0.2%6.0%0.5%1.4%2.2%1.9%1.7%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM38.3%15.1%46.5%41.3%35.5%37.1%37.7%
CFO/Rev 3Y Avg31.6%36.2%51.0%17.0%31.7%39.1%33.9%
FCF/Rev LTM33.6%9.3%40.4%39.3%30.8%36.6%35.1%
FCF/Rev 3Y Avg28.3%28.1%46.0%10.7%27.4%38.1%28.2%

Valuation

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
Mkt Cap0.82.05.60.81.01.61.3
P/S3.74.53.23.85.03.63.7
P/Op Inc-------
P/EBIT-------
P/E11.818.78.012.215.211.712.0
P/CFO9.630.07.09.214.19.89.7
Total Yield10.7%7.9%16.1%9.2%8.0%9.7%9.5%
Dividend Yield2.2%2.5%3.5%1.0%1.4%1.2%1.8%
FCF Yield 3Y Avg9.5%8.0%15.1%1.4%8.0%14.0%8.8%
D/E0.60.10.10.00.20.40.1
Net D/E-0.2-0.4-0.2-0.6-0.1-0.6-0.3

Returns

GSBCNBHCOZKHTBTRSTBYMedian
NameGreat So.National.Bank OZK HomeTrus.Trustco .Byline B. 
1M Rtn7.9%6.8%5.9%4.6%8.0%10.0%7.4%
3M Rtn22.9%15.9%14.3%16.9%25.7%17.8%17.4%
6M Rtn23.5%15.7%10.1%13.2%27.8%23.2%19.5%
12M Rtn35.1%23.7%14.0%33.0%73.0%43.9%34.1%
3Y Rtn64.4%68.9%51.8%138.4%113.5%109.8%89.3%
1M Excs Rtn9.5%8.4%7.4%6.1%9.5%11.6%8.9%
3M Excs Rtn10.0%4.6%2.9%5.3%12.8%5.5%5.4%
6M Excs Rtn12.9%6.4%2.2%2.7%18.8%12.8%9.6%
12M Excs Rtn15.0%2.8%-7.9%13.0%53.6%23.0%14.0%
3Y Excs Rtn-10.9%-12.8%-23.7%61.9%34.1%33.6%11.3%

Comparison Analyses

null

Financials

$ Mil | FY: 12/312026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q2
Period End3/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/2023
Filing Date5/7/20263/6/202611/6/20258/7/20255/7/20253/7/202511/6/20248/7/20244/30/20243/12/202411/7/20238/4/2023
Key Financials Quarterly            
Total Revenue555658595656555752525556
Net Income171618201715161713131618
EPS1.591.461.571.731.471.271.411.461.141.111.331.52
Key Financials TTM            
Total Revenue TTM229229229227224220215215214223234240
Net Income TTM717170686662605961687780
Growth Rates Quarterly            
Total Revenue Growth-1.0%-0.2%5.2%4.5%8.3%9.2%0.7%1.3%-15.5%-17.0%-10.3%-3.9%
Net Income Growth1.8%9.1%7.7%16.5%28.0%13.5%3.8%-7.3%-34.5%-41.8%-12.4%0.5%
Margins Quarterly            
Net Income Margin31.6%28.9%30.7%33.4%30.7%26.4%30.0%30.0%26.0%25.4%29.1%32.8%
Cash & Debt            
Total Cash650662674722217729774736637690630681
Total Debt496357452396461615543577282353184172
Net Debt / (Cash)-154-305-222-326243-114-231-159-355-337-446-509
Cash Flows Quarterly            
FCF from Operations212263915101844-2714844
Cash Flows TTM            
FCF from Operations TTM8882708286444838398198107
Returns to Shareholders Quarterly            
Dividends555555555555
Share Repurchases17141010103076459
Return on Invested Capital (ROIC) Quarterly            
ROIC----27.4%-------
Return on Invested Capital (ROIC) TTM            
ROIC TTM----26.2%-------

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Banking operation229220223234216
Total229220223234216


Net Income by Segment
$ Mil20252024
Banking operation7162
Total7162


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


Price Behavior

Price Behavior
Market Price$76.54 
Market Cap ($ Bil)0.8 
First Trading Date03/26/1990 
Distance from 52W High0.0% 
   50 Days200 Days
DMA Price$70.57$63.44
DMA Trendupup
Distance from DMA8.5%20.7%
 3M1YR
Volatility18.8%27.1%
Downside Capture9.4461.36
Upside Capture78.3582.62
Correlation (SPY)19.9%29.6%
GSBC Betas & Captures as of 5/31/2026

 1M2M3M6M1Y3Y
Beta0.840.830.560.560.830.81
Up Beta0.730.690.470.931.170.89
Down Beta1.610.430.180.310.440.65
Up Capture82%90%88%61%84%62%
Bmk +ve Days13283667141432
Stock +ve Days10223467131380
Down Capture53%112%50%33%85%95%
Bmk -ve Days7132757109318
Stock -ve Days10192957119368

[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
GSBC37.3%27.1%1.15-
Sector ETF (XLF)7.0%14.6%0.2554.0%
Equity (SPY)23.3%12.5%1.4029.4%
Gold (GLD)17.7%27.7%0.57-5.9%
Commodities (DBC)18.2%18.6%0.76-16.7%
Real Estate (VNQ)11.6%13.8%0.5635.7%
Bitcoin (BTCUSD)-40.6%42.4%-1.1116.8%

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
GSBC9.5%27.3%0.34-
Sector ETF (XLF)9.5%18.6%0.3958.0%
Equity (SPY)13.2%17.1%0.6041.5%
Gold (GLD)16.4%18.3%0.73-2.2%
Commodities (DBC)6.9%19.5%0.267.1%
Real Estate (VNQ)2.7%18.9%0.0443.1%
Bitcoin (BTCUSD)10.4%54.1%0.3918.3%

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
GSBC10.1%29.8%0.38-
Sector ETF (XLF)13.4%22.1%0.5568.8%
Equity (SPY)15.3%18.0%0.7351.8%
Gold (GLD)11.5%16.1%0.59-6.3%
Commodities (DBC)5.7%18.0%0.2416.1%
Real Estate (VNQ)5.6%20.7%0.2349.0%
Bitcoin (BTCUSD)57.2%66.5%0.9714.7%

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

Short Interest

Short Interest: As Of Date5292026
Short Interest: Shares Quantity0.4 Mil
Short Interest: % Change Since 51520269.8%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest4.0 days
Basic Shares Quantity11.0 Mil
Short % of Basic Shares3.7%

Returns Analyses

Earnings Returns History

Updated 6/17/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/16/2026-1.0%-1.0%0.7%
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%
4/17/20253.6%6.4%11.5%
1/22/2025-4.8%-4.3%-4.5%
10/17/2024-0.5%-0.2%8.5%
7/17/2024-1.1%-2.2%-12.4%
...
SUMMARY STATS   
# Positive9914
# Negative151510
Median Positive1.8%2.4%4.8%
Median Negative-1.0%-2.2%-4.5%
Max Positive5.8%7.1%18.8%
Max Negative-10.6%-11.2%-12.4%
 Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
4/16/2026-1.0%-1.0%0.7%
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%
4/17/20253.6%6.4%11.5%
1/22/2025-4.8%-4.3%-4.5%
10/17/2024-0.5%-0.2%8.5%
7/17/2024-1.1%-2.2%-12.4%
4/18/20241.6%7.1%5.8%
1/23/2024-2.8%-1.8%-9.7%
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%
1/25/2022-1.0%-0.5%0.1%
10/21/20211.1%-1.5%1.6%
7/22/20211.5%4.9%6.2%
4/22/20211.8%2.0%3.7%
1/26/2021-0.6%-1.8%6.9%
10/22/20203.2%1.6%18.8%
7/21/20205.8%-0.5%2.7%
SUMMARY STATS   
# Positive9914
# Negative151510
Median Positive1.8%2.4%4.8%
Median Negative-1.0%-2.2%-4.5%
Max Positive5.8%7.1%18.8%
Max Negative-10.6%-11.2%-12.4%

SEC Filings

Expand for More
Report DateFiling DateFiling
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
 Collapse to Preview
Report DateFiling DateFiling
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
06/30/201908/07/201910-Q

Recent Forward Guidance

Updated 6/1/2026

Latest: Q1 2026 Earnings Reported 4/16/2026

Forward GuidanceGuidance Change
MetricLowMidHigh% Chg% DeltaChangePrior
2026 Effective Tax Rate18.5%19.0%19.5%0.0%0.0%AffirmedGuidance: 19.0% for 2026

Prior: Q4 2025 Earnings Reported 1/22/2026

Forward GuidanceGuidance Change
MetricLowMidHigh% Chg% DeltaChangePrior
2026 Effective Tax Rate18.5%19.0%19.5%-1.3%-0.2%LoweredGuidance: 19.25% for 2025

Insider Activity

Updated 5/26/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Steinert, Earl A JRDirectSell526202671.624,500322,27167,289,825Form
2Turner, William VDirectSell519202668.356,000410,10413,609,425Form
3Baker, Kevin LDirectSell506202669.962,800195,888979Form
4Maples, Mark ADirectSell504202668.952,387  Form
5Copeland, Rex ATreasurerDirectSell501202668.7791462,8561,782,587Form
 Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Steinert, Earl A JRDirectSell526202671.624,500322,27167,289,825Form
2Turner, William VDirectSell519202668.356,000410,10413,609,425Form
3Baker, Kevin LDirectSell506202669.962,800195,888979Form
4Maples, Mark ADirectSell504202668.952,387  Form
5Copeland, Rex ATreasurerDirectSell501202668.7791462,8561,782,587Form
6Copeland, Rex ATreasurerDirectSell501202668.252,036138,9571,683,796Form
7Turner, Joseph WPresident/CEODirectSell501202668.166,000408,9629,282,206Form
8Bugh, John MDirectSell421202667.592,500168,975120,986Form
9Copeland, Rex ATreasurerDirectSell206202663.671,797114,4181,570,845Form
10Steinert, Earl A JRDirectSell204202663.491,50095,24059,658,239Form
11Carlson, Thomas JSpouseSell204202663.1768042,9561,086,903Form
12Carlson, Thomas JDirectSell129202659.892,000119,7805,989Form
13Turner, William VDirectSell129202659.706,000358,18711,886,568Form
14Turner, Joseph WPresident/CEODirectSell127202660.746,000364,4278,344,280Form
15Maples, Mark ADirectSell1201202559.931,450  Form
16Bugh, John MDirectSell1112202557.721,750101,009103,318Form

Industry Resources

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Core Cache Last Updated: 6/24/2026