NASDAQ : GSBC
Great Southern Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 82.02 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 881.85M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 262.07M | 285.46M | 297.18M | 271.95M | 205.75M | 186.27M |
| Interest Income on Investments | 29.11M | 28.27M | 27.52M | 24.88M | 21.23M | 12.40M |
| Total Interest Income | 291.18M | 313.73M | 324.70M | 296.83M | 226.98M | 198.67M |
| Interest Paid on Deposits | 73.48M | 94.14M | 109.70M | 88.76M | 20.68M | 13.10M |
| Interest Paid on Borrowings | 20.45M | 19.36M | 25.85M | 14.86M | 6.69M | 7.65M |
| Total Interest Expense | 93.93M | 113.50M | 135.56M | 103.62M | 27.36M | 20.75M |
| Net Interest Income | 197.25M | 200.23M | 189.14M | 193.22M | 199.61M | 177.92M |
| Gain (Loss) on Sale of Assets | 1.10M | |||||
| Gain (Loss) on Sale of Investments | -130.00K | |||||
| Other Non-Interest Income | 25.78M | 25.78M | 24.09M | 27.72M | 30.59M | 28.85M |
| Total Non-Interest Income | 29.06M | 29.05M | 27.86M | 30.07M | 34.14M | 38.32M |
| Revenues Before Loan Losses | 226.32M | 229.28M | 217.01M | 223.29M | 233.75M | 216.24M |
| Provision for Loan Losses | 633.00K | 45.00K | 2.72M | -3.08M | 6.19M | -5.76M |
| Revenue | 225.68M | 229.24M | 214.29M | 226.37M | 227.57M | 222.00M |
| Salaries and Employee Benefits | 78.17M | 78.11M | 76.83M | 76.90M | 73.86M | 69.06M |
| Occupancy Expenses | 36.61M | 33.60M | 30.38M | 29.13M | 26.87M | 27.66M |
| Federal Deposit Insurance | 4.34M | 4.45M | 4.62M | 4.54M | 3.20M | 3.06M |
| Amortization of Goodwill & Intangibles | 438.00K | 434.00K | 433.00K | 286.00K | 768.00K | 863.00K |
| Selling, General & Administrative | 17.73M | 17.96M | 19.14M | 21.18M | 20.04M | 19.82M |
| Other Non-Interest Expense | 8.11M | 7.91M | 8.39M | 8.67M | 8.26M | 6.53M |
| Total Non-Interest Expense | 145.29M | 141.94M | 139.50M | 141.02M | 133.37M | 127.64M |
| EBT Excluding Unusual Items | 80.40M | 87.30M | 74.80M | 85.34M | 94.20M | 94.36M |
| Legal Settlements | -2.00M | |||||
| Other Unusual Items | -4.06M | 2.70M | ||||
| Pretax Income | 76.34M | 87.30M | 75.50M | 85.34M | 94.20M | 94.36M |
| Income Tax Expense | 12.78M | 16.32M | 13.69M | 17.54M | 18.25M | 19.74M |
| Net Income | 63.55M | 70.97M | 61.81M | 67.80M | 75.95M | 74.63M |
| Net Income to Common | 63.55M | 70.97M | 61.81M | 67.80M | 75.95M | 74.63M |
| Basic Shares Outstanding | 10.97M | 11.40M | 11.70M | 11.99M | 12.52M | 13.56M |
| Diluted Shares Outstanding | 11.11M | 11.46M | 11.76M | 12.08M | 12.61M | 13.67M |
| EPS (Basic) | 5.80 | 6.23 | 5.28 | 5.65 | 6.07 | 5.50 |
| EPS (Diluted) | 5.72 | 6.19 | 5.26 | 5.61 | 6.02 | 5.46 |
| Dividend Per Share | 1.72 | 1.66 | 1.60 | 1.60 | 1.56 | 1.40 |
| Effective Tax Rate | 16.74% | 18.70% | 18.13% | 20.56% | 19.38% | 20.92% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 161.74M | 189.55M | 195.76M | 211.33M | 168.52M | 717.27M |
| Investment Securities | 113.36M | 119.99M | 128.22M | 131.86M | 67.31M | |
| Trading Asset Securities | 5.66M | 8.06M | 8.21M | 11.06M | 2.82M | |
| Mortgage-Backed Securities | 1.02B | 589.67M | 600.81M | 545.01M | 561.22M | 433.72M |
| Total Investments | 1.02B | 708.69M | 728.87M | 681.43M | 704.15M | 503.85M |
| Gross Loans | 4.31B | 4.43B | 4.76B | 4.66B | 4.58B | 4.08B |
| Allowance for Loan Losses | -63.57M | -64.77M | -64.76M | -64.67M | -63.48M | -60.75M |
| Other Adjustments to Gross Loans | -6.05M | -6.70M | -7.06M | -11.06M | -9.30M | |
| Net Loans | 4.25B | 4.36B | 4.69B | 4.59B | 4.51B | 4.01B |
| Property, Plant & Equipment | 120.41M | 133.26M | 132.47M | 138.59M | 141.07M | 132.73M |
| Goodwill | 5.40M | 5.40M | 5.40M | 5.40M | 5.40M | |
| Other Intangible Assets | 9.63M | 4.26M | 4.70M | 5.13M | 5.42M | 685.00K |
| Loans Held for Sale | 4.44M | 6.84M | 6.94M | 5.85M | 4.81M | 8.73M |
| Accrued Interest Receivable | 19.15M | 18.07M | 20.43M | 21.21M | 19.11M | 10.71M |
| Other Receivables | 39.55M | 2.51M | 3.59M | 2.56M | 2.30M | 3.46M |
| Other Current Assets | 122.94M | 122.95M | 128.53M | 98.02M | 58.40M | 42.36M |
| Long-Term Deferred Tax Assets | 24.10M | 30.18M | 26.92M | 33.65M | 8.51M | |
| Other Real Estate Owned & Foreclosed | 20.42M | 6.04M | 5.99M | 23.00K | 233.00K | 2.09M |
| Total Assets | 5.82B | 5.60B | 5.98B | 5.81B | 5.68B | 5.45B |
| Accrued Expenses | 41.12M | 39.01M | 44.20M | 31.71M | 15.18M | |
| Interest Bearing Deposits | 4.07B | 3.54B | 3.76B | 3.83B | 3.62B | 3.25B |
| Institutional Deposits | 104.89M | 88.00M | ||||
| Non-Interest Bearing Deposits | 841.51M | 842.93M | 895.50M | 1.06B | 1.21B | |
| Total Deposits | 4.07B | 4.48B | 4.61B | 4.72B | 4.68B | 4.55B |
| Short-Term Borrowings | 1.04B | 390.63M | 603.69M | 348.79M | 308.52M | 141.85M |
| Current Portion of Leases | 1.28M | |||||
| Accrued Interest Payable | 2.75M | 3.61M | 12.76M | 6.22M | 3.01M | 646.00K |
| Long-Term Debt | 74.88M | 74.58M | 74.28M | 73.98M | ||
| Long-Term Leases | 2.96M | 6.62M | 6.87M | 7.89M | ||
| Trust Preferred Securities | 25.77M | 25.77M | 25.77M | 25.77M | 25.77M | 25.77M |
| Other Long-Term Liabilities | 19.23M | 14.33M | 13.78M | 12.43M | 19.41M | 15.78M |
| Total Liabilities | 5.21B | 4.96B | 5.38B | 5.24B | 5.15B | 4.83B |
| Common Stock | 108.00K | 111.00K | 117.00K | 118.00K | 122.00K | 131.00K |
| Additional Paid-In Capital | 60.37M | 54.12M | 50.34M | 44.32M | 42.45M | 38.31M |
| Retained Earnings | 617.48M | 614.10M | 603.48M | 569.87M | 543.88M | 545.55M |
| Comprehensive Income & Other | -65.42M | -32.20M | -54.36M | -42.48M | -53.35M | 32.76M |
| Shareholders' Equity | 612.53M | 636.13M | 599.57M | 571.83M | 533.09M | 616.75M |
| Total Liabilities & Equity | 5.82B | 5.60B | 5.98B | 5.81B | 5.68B | 5.45B |
| Total Debt | 1.06B | 420.64M | 710.96M | 456.01M | 408.58M | 249.49M |
| Net Cash (Debt) | -900.80M | -225.42M | -507.14M | -236.47M | -229.00M | 470.59M |
| Net Cash Per Share | -81.10 | -19.68 | -43.14 | -19.58 | -18.16 | 34.41 |
| Filing Date Shares Outstanding | 10.75M | 10.96M | 11.60M | 11.73M | 12.18M | 12.89M |
| Total Common Shares Outstanding | 10.75M | 11.06M | 11.72M | 11.80M | 12.23M | 13.13M |
| Book Value Per Share | 56.97 | 57.50 | 51.14 | 48.44 | 43.58 | 46.98 |
| Tangible Book Value | 602.90M | 626.47M | 589.47M | 561.30M | 522.27M | 610.67M |
| Tangible Book Value Per Share | 56.07 | 56.63 | 50.28 | 47.55 | 42.70 | 46.51 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 70.97M | 61.81M | 67.80M | 75.95M | 74.63M | |
| Depreciation & Amortization | 8.51M | 8.95M | 9.31M | 9.68M | 11.14M | |
| Gain (Loss) on Sale of Assets | 211.00K | -539.00K | 65.00K | -1.15M | -72.00K | |
| Gain (Loss) on Sale of Investments | 62.00K | 58.00K | 337.00K | -191.00K | -312.00K | |
| Provision for Credit Losses | 1.70M | 2.25M | 3.00M | -6.70M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 3.81M | 3.00M | 1.22M | 8.34M | 19.10M | |
| Accrued Interest Receivable | 2.36M | 776.00K | -2.10M | -8.40M | 2.09M | |
| Change in Income Taxes | 1.08M | -1.03M | -259.00K | 1.16M | -1.81M | |
| Change in Other Net Operating Assets | 10.04M | -13.03M | 18.93M | 7.78M | 17.65M | |
| Other Operating Activities | -14.12M | -15.63M | -16.12M | -10.17M | -13.73M | |
| Operating Cash Flow | 81.52M | 44.06M | 80.70M | 84.85M | 93.74M | |
| Capital Expenditures | -11.46M | -4.92M | -7.30M | -20.11M | -5.74M | |
| Sale of Property, Plant and Equipment | 129.00K | 164.00K | 254.00K | 3.98M | 586.00K | |
| Investment in Securities | 44.66M | -53.84M | 28.68M | -267.18M | -105.32M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 336.91M | -104.35M | -79.50M | -496.16M | 295.80M | |
| Other Investing Activities | -3.05M | -12.44M | -30.35M | -40.07M | -3.38M | |
| Investing Cash Flow | 367.18M | -175.39M | -88.21M | -819.55M | 181.95M | |
| Short-Term Debt Issued | 255.24M | 57.03M | 127.47M | |||
| Total Debt Issued | 255.24M | 57.03M | 127.47M | |||
| Short-Term Debt Repaid | -199.30M | -26.74M | ||||
| Long-Term Debt Repaid | -75.00M | -75.00M | ||||
| Total Debt Repaid | -274.30M | -101.74M | ||||
| Net Debt Issued (Repaid) | -274.30M | 255.24M | 57.03M | 127.47M | -101.74M | |
| Issuance of Common Stock | 4.82M | 10.10M | 884.00K | 6.26M | 3.70M | |
| Repurchase of Common Stock | -44.46M | -15.15M | -23.33M | -61.85M | -39.12M | |
| Common Dividends Paid | -18.72M | -18.71M | -19.28M | -19.18M | -18.80M | |
| Total Dividends Paid | -18.72M | -18.71M | -19.28M | -19.18M | -18.80M | |
| Net Increase (Decrease) in Deposit Accounts | -122.75M | -116.05M | 36.66M | 132.81M | 35.20M | |
| Other Financing Activities | 509.00K | 326.00K | -1.64M | 443.00K | -1.39M | |
| Financing Cash Flow | -454.90M | 115.75M | 50.32M | 185.95M | -122.15M | |
| Net Cash Flow | -6.20M | -15.58M | 42.81M | -548.75M | 153.54M | |
| Free Cash Flow | 70.06M | 39.14M | 73.40M | 64.74M | 88.00M | |
| Free Cash Flow Margin | 30.56% | 18.27% | 32.42% | 28.45% | 39.64% | |
| Free Cash Flow Per Share | 6.12 | 3.33 | 6.08 | 5.13 | 6.44 | |
| Cash Interest Paid | 122.65M | 129.02M | 100.41M | 25.00M | 22.70M | |
| Cash Income Tax Paid | 4.33M | 3.65M | 7.89M | 10.26M | 12.96M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 888.63M | 688.81M | 696.98M | 700.05M | 726.66M | 790.31M |
| Last Close Price | 81.23 | 60.47 | 57.04 | 55.13 | 53.60 | 51.99 |
| PE Ratio | 14.46 | 9.71 | 11.28 | 10.32 | 9.57 | 10.59 |
| PS Ratio | 3.93 | 3.00 | 3.25 | 3.09 | 3.19 | 3.56 |
| PB Ratio | 1.43 | 1.08 | 1.16 | 1.22 | 1.36 | 1.28 |
| P/FCF Ratio | 19.86 | 9.83 | 17.81 | 9.54 | 11.22 | 8.98 |
| P/OCF Ratio | 16.26 | 8.45 | 15.82 | 8.68 | 8.56 | 8.43 |
| Debt / Equity Ratio | 1.74 | 0.66 | 1.19 | 0.80 | 0.77 | 0.41 |
| Debt / FCF Ratio | 6.00 | 18.16 | 6.21 | 6.31 | 2.83 | |
| Net Debt / Equity Ratio | 1.47 | 0.35 | 0.85 | 0.41 | 0.43 | -0.76 |
| Net Debt / FCF Ratio | 3.22 | 12.96 | 3.22 | 3.54 | -5.35 | |
| Return on Equity (ROE) | 10.21% | 11.49% | 10.55% | 12.27% | 13.21% | 11.97% |
| Return on Assets (ROA) | 1.10% | 1.23% | 1.05% | 1.18% | 1.36% | 1.36% |
| Earnings Yield | 6.92% | 10.30% | 8.87% | 9.69% | 10.45% | 9.44% |
| FCF Yield | 5.04% | 10.17% | 5.62% | 10.48% | 8.91% | 11.13% |
| Dividend Yield | 2.08% | 2.67% | 2.69% | 2.70% | 2.63% | 2.33% |
| Payout Ratio | 30.08% | 26.38% | 30.27% | 28.44% | 25.25% | 25.19% |
| Buyback Yield / Dilution | 4.24% | 2.54% | 2.69% | 4.18% | 7.80% | 3.05% |
| Total Shareholder Return | 6.32% | 5.20% | 5.38% | 6.88% | 10.43% | 5.38% |