GSBC Research | Milton Maxwell

GSBC

Great Southern Bancorp, Inc.

65.55

-0.33-0.5%

Dec 16, 4:00:02 PM EST

Upcoming Earnings

Report date

≈ -/-

Earnings Call Transcripts

This Quarter (Q1 '26)

No earnings call transcript available yet

Last Quarter (Q4 '25)

FY Q4 '25

Stable margins, stubborn loan payoffs

1/21/26Jan 21, 2026

Q&A tempered margin worries, with execs eyeing stability near 3.7% into 2026 via funding cuts and loan repricing, despite fewer Q1 days. Loan growth stays challenging—payoffs outpace solid pipelines, borrower-driven and hard to predict, though pricing discipline holds. Expenses face Q1 uptick from salary hikes, payroll resets. Buybacks stay opportunistic, targeting most of ~700k shares left below 115% book. Payoffs stay hard to call. Tone cautious; investors eye net loan trajectory.

Key Stats

Market Cap

742.57M

P/E (TTM)

10.91

Basic EPS (TTM)

6.01

Dividend Yield

0.02%

Recent Filings

8-K

Declares $0.43 Q1 dividend

3/18/26Mar 18, 2026

Great Southern Bancorp declared a $0.43 per common share dividend on March 18, 2026, payable April 14 to shareholders of record March 30. This marks the 145th consecutive quarterly payout. Steady returns persist.

10-K

FY2025 results

3/6/26Mar 6, 2026

Great Southern Bancorp closed FY2025 ended December 31, 2025, with $5.60B assets, down 6.4% y/y amid net loan contraction; net loans fell 7.1% to $4.36B as other residential dropped 10.4% while construction runoff slowed. Q4 saw non-performing assets dip to 0.15% of assets from 0.16% y/y, with classified loans shrinking $7.1M to $9.5M—watch list up slightly but special mention exploded $33.3M on apartment exposure. Net interest income climbed 5.9% to $200M on 25bp NIM expansion to 3.67%, fueled by deposit cost cuts outpacing loan yield softening; brokered deposits shed $109M as loans shrank. Equity swelled 6.1% to $636M (11.4% of assets), well above regulatory buffers. Elevated CRE (439% of capital) looms over quarterly momentum.

8-K

Annual meeting announced

2/17/26Feb 17, 2026

Great Southern Bancorp announced its 37th Annual Meeting of Stockholders, set for May 13, 2026, at 10 a.m. CDT as a virtual webcast. Record date is March 3, 2026; shareholders can vote live or by proxy. Details in upcoming proxy statement. Routine governance step.

8-K

Q4 EPS $1.45, loans down 7%

1/22/26Jan 22, 2026

Great Southern Bancorp posted Q4 net income of $16.3 million ($1.45 per diluted share), up from $14.9 million ($1.27) a year ago, despite net interest income dipping to $49.2 million on ended swap income—yet margin expanded to 3.70%. Loans shrank 7.1% to $4.36 billion amid paydowns, non-performers fell to 0.15% of assets, capital hit 11.2% tangible. Balance sheet shrinks prudently. Strong credit endures.

8-K

GSBC declares $0.43 dividend

12/17/25Dec 17, 2025

Great Southern Bancorp declared a $0.43 per common share dividend for Q4 2025, payable January 13, 2026 to shareholders of record December 29, 2025. This marks the 144th consecutive quarterly payout. Steady returns persist.

About

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in the United States. The company's deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. Its loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

CEO

Mr. Joseph William Turner J.D.

IPO

12/15/1989

Website

https://www.greatsouthernbank.com

Employees

882

Sector

Financial Services

Industry

Banks - Regional