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Great Southern Bancorp (GSBC) Financials

Great Southern Bancorp logo
$60.52 +1.41 (+2.38%)
As of 03:54 PM Eastern
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Annual Income Statements for Great Southern Bancorp

Annual Income Statements for Great Southern Bancorp

This table shows Great Southern Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 76 68 62
Consolidated Net Income / (Loss)		 76 68 62
Net Income / (Loss) Continuing Operations		 76 68 62
Total Pre-Tax Income 		94 85 75
Total Revenue		 234 223 220
Net Interest Income / (Expense)		 200 193 189
Total Interest Income		 227 297 325
Loans and Leases Interest Income		 206 272 297
Investment Securities Interest Income		 21 25 28
Total Interest Expense		 27 104 136
Deposits Interest Expense		 21 89 110
Short-Term Borrowings Interest Expense		 1.07 7.50 18
Long-Term Debt Interest Expense		 5.30 6.16 6.22
Federal Funds Purchased and Securities Sold Interest Expense		 0.32 1.21 1.41
Total Non-Interest Income		 34 30 31
Trust Fees by Commissions		 1.21 1.15 1.23
Other Service Charges		 30 27 26
Net Realized & Unrealized Capital Gains on Investments		 2.78 2.02 3.72
Provision for Credit Losses		 6.19 -3.08 2.72
Total Non-Interest Expense		 133 141 141
Salaries and Employee Benefits		 75 79 79
Net Occupancy & Equipment Expense		 28 31 32
Marketing Expense		 3.26 3.40 3.12
Property & Liability Insurance Claims		 3.20 4.54 4.62
Other Operating Expenses		 22 23 23
Amortization Expense		 0.77 0.29 0.43
Income Tax Expense		 18 18 14
Basic Earnings per Share		 $6.07 $5.65 $5.28
Weighted Average Basic Shares Outstanding		 12.18M 11.73M 11.60M
Diluted Earnings per Share		 $6.02 $5.61 $5.26
Weighted Average Diluted Shares Outstanding		 12.18M 11.73M 11.60M
Weighted Average Basic & Diluted Shares Outstanding		 12.18M 11.73M 11.60M
Cash Dividends to Common per Share		 $1.56 $1.60 $1.60

Quarterly Income Statements for Great Southern Bancorp

This table shows Great Southern Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 18 23 20 18 16 13 13 17 16 15
Consolidated Net Income / (Loss)		 18 23 20 18 16 13 13 17 16 15
Net Income / (Loss) Continuing Operations		 18 23 20 18 16 13 13 17 16 15
Total Pre-Tax Income 		23 27 26 23 20 16 17 21 20 18
Total Revenue		 61 62 61 56 55 52 52 57 55 56
Net Interest Income / (Expense)		 53 55 53 48 47 45 45 47 48 50
Total Interest Income		 60 68 71 74 75 76 77 81 84 83
Loans and Leases Interest Income		 54 62 65 67 69 70 71 74 76 75
Investment Securities Interest Income		 5.58 6.10 6.03 6.18 6.39 6.29 6.31 6.63 7.37 7.21
Total Interest Expense		 6.76 13 18 25 29 31 33 34 36 33
Deposits Interest Expense		 4.98 11 15 22 25 27 28 28 28 26
Short-Term Borrowings Interest Expense		 0.38 0.45 1.78 1.94 1.43 2.34 3.04 4.37 5.39 5.42
Long-Term Debt Interest Expense		 1.35 1.46 1.50 1.53 1.56 1.57 1.56 1.56 1.56 1.54
Federal Funds Purchased and Securities Sold Interest Expense		 0.05 0.26 0.34 0.22 0.31 0.33 0.33 0.39 0.39 0.30
Total Non-Interest Income		 7.98 7.66 7.89 7.77 7.85 6.56 6.81 9.83 6.99 6.93
Trust Fees by Commissions		 0.23 0.30 0.43 0.23 0.23 0.27 0.38 0.27 0.36 0.22
Other Service Charges		 7.04 7.25 7.36 6.83 6.78 5.93 5.76 8.44 5.59 5.82
Net Realized & Unrealized Capital Gains on Investments		 0.72 0.12 0.39 0.71 0.84 0.08 0.68 1.12 1.04 0.89
Provision for Credit Losses		 3.32 0.84 0.67 -1.62 -1.20 -0.94 0.63 -0.61 1.14 1.56
Total Non-Interest Expense		 35 34 34 35 36 36 34 36 34 37
Salaries and Employee Benefits		 19 19 19 20 20 20 20 20 20 20
Net Occupancy & Equipment Expense		 7.20 7.59 7.72 7.41 7.73 7.98 7.84 7.84 8.14 8.30
Marketing Expense		 0.95 0.88 0.65 0.90 0.95 0.90 0.35 0.89 0.93 0.96
Property & Liability Insurance Claims		 0.80 0.81 0.87 1.01 1.30 1.36 1.14 1.26 1.05 1.16
Other Operating Expenses		 6.61 6.03 5.92 5.66 5.85 6.02 5.33 6.42 3.94 6.91
Amortization Expense		 0.22 0.22 0.11 0.06 0.06 0.06 0.11 0.11 0.11 0.11
Income Tax Expense		 4.68 4.50 5.49 4.49 4.35 3.22 3.16 3.86 3.62 3.04
Basic Earnings per Share		 $1.47 $1.84 $1.68 $1.52 $1.33 $1.12 $1.14 $1.46 $1.41 $1.27
Weighted Average Basic Shares Outstanding		 12.21M 12.18M 12.04M 11.95M 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M
Diluted Earnings per Share		 $1.46 $1.82 $1.67 $1.52 $1.33 $1.09 $1.13 $1.45 $1.41 $1.27
Weighted Average Diluted Shares Outstanding		 12.21M 12.18M 12.04M 11.95M 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M
Weighted Average Basic & Diluted Shares Outstanding		 12.21M 12.18M 12.04M 11.95M 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M

Annual Cash Flow Statements for Great Southern Bancorp

This table details how cash moves in and out of Great Southern Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -549 43 -16
Net Cash From Operating Activities		 85 81 44
Net Cash From Continuing Operating Activities		 85 81 44
Net Income / (Loss) Continuing Operations		 76 68 62
Consolidated Net Income / (Loss)		 76 68 62
Provision For Loan Losses		 6.19 -3.08 2.72
Depreciation Expense		 8.50 8.72 8.24
Amortization Expense		 1.18 0.59 0.71
Non-Cash Adjustments to Reconcile Net Income		 -7.50 -9.90 -16
Changes in Operating Assets and Liabilities, net		 0.54 17 -13
Net Cash From Investing Activities		 -820 -88 -175
Net Cash From Continuing Investing Activities		 -820 -88 -175
Purchase of Property, Leasehold Improvements and Equipment		 -20 -7.30 -4.92
Purchase of Investment Securities		 -741 -36 -131
Sale of Property, Leasehold Improvements and Equipment		 3.98 0.25 0.16
Sale and/or Maturity of Investments		 72 34 38
Other Investing Activities, net		 -134 -79 -78
Net Cash From Financing Activities		 186 50 116
Net Cash From Continuing Financing Activities		 186 50 116
Net Change in Deposits		 133 37 -116
Issuance of Debt		 127 57 75
Repurchase of Common Equity		 -62 -23 -15
Payment of Dividends		 -19 -19 -19
Other Financing Activities, Net		 6.70 -0.76 190

Quarterly Cash Flow Statements for Great Southern Bancorp

This table details how cash moves in and out of Great Southern Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -6.70 -20 16 19 -22 29 -40 15 22 -13
Net Cash From Operating Activities		 17 31 15 44 7.84 14 -27 44 18 9.79
Net Cash From Continuing Operating Activities		 17 31 15 44 7.84 14 -27 44 18 9.79
Net Income / (Loss) Continuing Operations		 - 76 0.00 39 16 13 0.00 30 16 15
Consolidated Net Income / (Loss)		 - - - - 16 13 - - 16 15
Provision For Loan Losses		 3.32 0.84 0.67 -1.62 -1.20 -0.94 0.63 -0.61 1.14 1.56
Depreciation Expense		 2.08 2.13 2.27 2.17 2.16 2.12 2.11 2.07 2.05 2.01
Amortization Expense		 0.32 0.32 0.20 0.14 0.12 0.13 0.43 0.73 -0.63 0.19
Non-Cash Adjustments to Reconcile Net Income		 14 -60 16 -28 2.19 -0.82 5.01 -21 -0.42 0.56
Changes in Operating Assets and Liabilities, net		 -2.94 12 -4.23 32 -11 0.17 -35 32 -0.92 -9.44
Net Cash From Investing Activities		 -142 -31 -63 56 -58 -22 14 -158 -47 16
Net Cash From Continuing Investing Activities		 -142 -31 -63 56 -58 -22 14 -158 -47 16
Purchase of Property, Leasehold Improvements and Equipment		 -4.97 -4.23 -2.65 -1.57 -1.95 -1.13 -0.81 -1.51 -1.17 -1.43
Purchase of Investment Securities		 -173 -79 -10 -1.69 -15 -9.32 -12 -98 -0.69 -20
Sale of Property, Leasehold Improvements and Equipment		 0.02 0.15 0.03 0.03 0.18 0.02 0.00 0.02 0.07 0.07
Sale and/or Maturity of Investments		 28 -4.84 12 4.67 5.38 13 17 -2.65 32 -8.15
Other Investing Activities, net		 8.28 58 -62 54 -47 -25 9.96 -56 -78 46
Net Cash From Financing Activities		 118 -21 64 -80 29 38 -26 129 52 -39
Net Cash From Continuing Financing Activities		 118 -21 64 -80 29 38 -26 129 52 -39
Net Change in Deposits		 223 -54 113 27 27 -131 52 -158 82 -92
Issuance of Debt		 - 43 0.00 - - 57 180 - - -105
Repurchase of Common Equity		 -8.87 -2.59 -5.58 -8.71 -5.45 -3.59 -5.84 -6.53 -0.11 -2.68
Payment of Dividends		 -4.96 -4.90 -4.89 -4.85 -4.79 -4.75 -4.72 -4.68 -4.63 -4.67
Other Financing Activities, Net		 3.21 -2.21 1.57 1.44 0.94 -4.71 1.67 2.19 6.46 180

Annual Balance Sheets for Great Southern Bancorp

This table presents Great Southern Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 5,681 5,812 5,982
Cash and Due from Banks		 105 103 109
Interest Bearing Deposits at Other Banks		 63 109 86
Trading Account Securities		 693 673 721
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Loans Held for Sale		 4.81 5.85 6.94
Premises and Equipment, Net		 141 139 132
Goodwill		 11 11 10
Other Assets		 4,662 4,773 4,916
Total Liabilities & Shareholders' Equity		 5,681 5,812 5,982
Total Liabilities		 5,148 5,241 5,382
Non-Interest Bearing Deposits		 4,685 4,722 4,606
Interest Bearing Deposits		 6.59 4.95 5.27
Short-Term Debt		 266 323 579
Accrued Interest Payable		 3.01 6.23 13
Long-Term Debt		 100 100 101
Other Long-Term Liabilities		 87 84 79
Total Equity & Noncontrolling Interests		 533 572 600
Total Preferred & Common Equity		 533 572 600
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 533 572 600
Common Stock		 43 44 50
Retained Earnings		 544 570 603
Accumulated Other Comprehensive Income / (Loss)		 -53 -42 -54
Other Equity Adjustments		 0.00 0.00 0.00

Quarterly Balance Sheets for Great Southern Bancorp

This table presents Great Southern Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 5,676 5,769 5,720 5,748 5,777 5,959 6,037
Cash and Due from Banks		 108 90 106 93 90 110 105
Interest Bearing Deposits at Other Banks		 81 95 98 90 81 77 103
Trading Account Securities		 689 694 675 645 659 740 754
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 4,501 4,575 10 5.68 11 13 9.96
Premises and Equipment, Net		 139 141 141 140 136 135 133
Goodwill		 11 11 11 11 10 10 10
Other Assets		 146 163 4,679 4,765 4,789 4,874 4,920
Total Liabilities & Shareholders' Equity		 5,676 5,769 5,720 5,748 5,777 5,959 6,037
Total Liabilities		 5,165 5,213 5,173 5,216 5,212 5,390 5,424
Non-Interest Bearing Deposits		 4,739 4,799 4,825 4,852 4,773 4,615 4,697
Interest Bearing Deposits		 10 8.09 9.34 10 6.36 8.24 9.63
Short-Term Debt		 223 226 131 142 254 551 518
Accrued Interest Payable		 2.63 4.67 5.03 6.62 8.14 9.01 12
Long-Term Debt		 100 100 100 100 100 101 101
Other Long-Term Liabilities		 90 75 103 105 70 106 87
Total Equity & Noncontrolling Interests		 511 556 546 532 565 569 612
Total Preferred & Common Equity		 511 556 546 532 565 569 612
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 511 556 546 532 565 569 612
Common Stock		 42 43 43 44 45 45 48
Retained Earnings		 528 554 559 565 573 579 593
Accumulated Other Comprehensive Income / (Loss)		 -58 -41 -56 -77 -53 -55 -29

Annual Metrics And Ratios for Great Southern Bancorp

This table displays calculated financial ratios and metrics derived from Great Southern Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 8.10% -4.48% -1.60%
EBITDA Growth		 -2.41% -8.88% -10.79%
EBIT Growth		 -1.16% -9.40% -11.54%
NOPAT Growth		 1.77% -10.73% -8.84%
Net Income Growth		 1.77% -10.73% -8.84%
EPS Growth		 10.26% -6.81% -6.24%
Operating Cash Flow Growth		 -9.49% -4.89% -45.40%
Free Cash Flow Firm Growth		 -83.13% -188.76% -683.48%
Invested Capital Growth		 5.16% 10.68% 28.45%
Revenue Q/Q Growth		 3.94% -4.52% 2.21%
EBITDA Q/Q Growth		 6.93% -10.35% 1.86%
EBIT Q/Q Growth		 7.78% -11.18% 2.17%
NOPAT Q/Q Growth		 10.67% -12.24% 2.96%
Net Income Q/Q Growth		 10.67% -12.24% 2.96%
EPS Q/Q Growth		 12.52% -11.51% 3.54%
Operating Cash Flow Q/Q Growth		 21.31% -17.47% -8.38%
Free Cash Flow Firm Q/Q Growth		 -75.00% -120.55% 44.14%
Invested Capital Q/Q Growth		 7.79% 28.59% 3.91%
Profitability Metrics		 - - -
EBITDA Margin		 44.44% 42.39% 38.44%
EBIT Margin		 40.30% 38.22% 34.36%
Profit (Net Income) Margin		 32.49% 30.36% 28.13%
Tax Burden Percent		 80.62% 79.44% 81.87%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 19.38% 20.56% 18.13%
Return on Invested Capital (ROIC)		 8.65% 7.15% 5.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.65% 7.15% 5.43%
Return on Net Nonoperating Assets (RNNOA)		 4.56% 5.12% 5.12%
Return on Equity (ROE)		 13.21% 12.27% 10.55%
Cash Return on Invested Capital (CROIC)		 3.63% -2.98% -19.47%
Operating Return on Assets (OROA)		 1.69% 1.49% 1.28%
Return on Assets (ROA)		 1.36% 1.18% 1.05%
Return on Common Equity (ROCE)		 13.21% 12.27% 10.55%
Return on Equity Simple (ROE_SIMPLE)		 14.25% 11.86% 10.31%
Net Operating Profit after Tax (NOPAT)		 76 68 62
NOPAT Margin		 32.49% 30.36% 28.13%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.79% 50.50% 51.81%
Operating Expenses to Revenue		 57.05% 63.16% 64.40%
Earnings before Interest and Taxes (EBIT)		 94 85 75
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 104 95 84
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.29 1.19 1.16
Price to Tangible Book Value (P/TBV)		 1.31 1.21 1.18
Price to Revenue (P/Rev)		 2.93 3.05 3.17
Price to Earnings (P/E)		 9.02 10.04 11.28
Dividend Yield		 2.78% 2.77% 2.68%
Earnings Yield		 11.08% 9.96% 8.87%
Enterprise Value to Invested Capital (EV/IC)		 0.98 0.90 0.92
Enterprise Value to Revenue (EV/Rev)		 3.78 4.00 5.37
Enterprise Value to EBITDA (EV/EBITDA)		 8.50 9.43 13.98
Enterprise Value to EBIT (EV/EBIT)		 9.38 10.46 15.64
Enterprise Value to NOPAT (EV/NOPAT)		 11.63 13.17 19.10
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.41 11.07 26.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 27.74 0.00 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.69 0.74 1.13
Long-Term Debt to Equity		 0.19 0.18 0.17
Financial Leverage		 0.53 0.72 0.94
Leverage Ratio		 9.68 10.40 10.07
Compound Leverage Factor		 9.68 10.40 10.07
Debt to Total Capital		 40.74% 42.57% 53.12%
Short-Term Debt to Total Capital		 29.62% 32.49% 45.25%
Long-Term Debt to Total Capital		 11.12% 10.08% 7.87%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 59.26% 57.43% 46.88%
Debt to EBITDA		 3.53 4.48 8.04
Net Debt to EBITDA		 1.91 2.24 5.73
Long-Term Debt to EBITDA		 0.96 1.06 1.19
Debt to NOPAT		 4.83 6.25 10.99
Net Debt to NOPAT		 2.61 3.13 7.82
Long-Term Debt to NOPAT		 1.32 1.48 1.63
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 32 -28 -221
Operating Cash Flow to CapEx		 526.01% 1,145.33% 925.71%
Free Cash Flow to Firm to Interest Expense		 1.16 -0.27 -1.63
Operating Cash Flow to Interest Expense		 3.10 0.78 0.33
Operating Cash Flow Less CapEx to Interest Expense		 2.51 0.71 0.29
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 1.71 1.60 1.62
Capital & Investment Metrics		 - - -
Invested Capital		 900 996 1,279
Invested Capital Turnover		 0.27 0.24 0.19
Increase / (Decrease) in Invested Capital		 44 96 283
Enterprise Value (EV)		 883 893 1,181
Market Capitalization		 685 681 697
Book Value per Share		 $43.64 $48.48 $51.36
Tangible Book Value per Share		 $42.76 $47.59 $50.49
Total Capital		 900 996 1,279
Total Debt		 366 424 679
Total Long-Term Debt		 100 100 101
Net Debt		 198 212 484
Capital Expenditures (CapEx)		 16 7.05 4.76
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 366 424 679
Total Depreciation and Amortization (D&A)		 9.68 9.31 8.95
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $6.07 $5.65 $5.28
Adjusted Weighted Average Basic Shares Outstanding		 12.18M 11.73M 11.60M
Adjusted Diluted Earnings per Share		 $6.02 $5.61 $5.26
Adjusted Weighted Average Diluted Shares Outstanding		 12.18M 11.73M 11.60M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.18M 11.73M 11.60M
Normalized Net Operating Profit after Tax (NOPAT)		 76 68 62
Normalized NOPAT Margin		 32.49% 30.36% 28.13%
Pre Tax Income Margin		 40.30% 38.22% 34.36%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 3.44 0.82 0.56
NOPAT to Interest Expense		 2.78 0.65 0.46
EBIT Less CapEx to Interest Expense		 2.85 0.76 0.52
NOPAT Less CapEx to Interest Expense		 2.19 0.59 0.42
Payout Ratios		 - - -
Dividend Payout Ratio		 25.26% 28.44% 30.27%
Augmented Payout Ratio		 106.69% 62.84% 54.78%

Quarterly Metrics And Ratios for Great Southern Bancorp

This table displays calculated financial ratios and metrics derived from Great Southern Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 11.26% 16.58% 16.47% -3.86% -10.33% -16.97% -15.49% 1.33% 0.69% 9.20%
EBITDA Growth		 -11.87% 29.49% 19.09% -0.60% -10.70% -36.98% -32.74% -5.86% -4.32% 8.26%
EBIT Growth		 -11.38% 33.51% 21.42% -0.50% -11.32% -39.62% -36.13% -8.59% -0.57% 9.78%
NOPAT Growth		 -10.96% 47.92% 20.42% 0.53% -12.43% -41.85% -34.46% -7.27% 3.85% 13.52%
Net Income Growth		 -10.96% 47.92% 20.42% 0.53% -12.43% -41.85% -34.46% -7.27% 3.85% 13.52%
EPS Growth		 -2.01% 58.26% 28.46% 5.56% -8.90% -40.11% -32.34% -4.61% 6.02% 16.51%
Operating Cash Flow Growth		 -25.26% 93.19% -51.66% 713.05% -54.31% -55.29% -277.54% -0.84% 125.89% -29.16%
Free Cash Flow Firm Growth		 108.81% -116.61% -125.01% 1,323.56% -0.88% -285.70% 13.84% -304.58% -677.54% -223.62%
Invested Capital Growth		 -6.57% 5.16% 5.84% -19.58% -7.23% 10.68% 4.28% 56.81% 58.96% 28.45%
Revenue Q/Q Growth		 4.70% 2.30% -1.93% -8.47% -2.36% -5.28% -0.17% 9.74% -2.97% 2.73%
EBITDA Q/Q Growth		 -0.24% 17.23% -3.86% -11.59% -10.38% -17.28% 2.61% 23.74% -8.90% -6.40%
EBIT Q/Q Growth		 -0.50% 18.83% -4.28% -12.09% -11.31% -19.10% 1.26% 25.82% -3.53% -10.68%
NOPAT Q/Q Growth		 -0.50% 24.66% -9.50% -10.44% -13.32% -17.22% 1.99% 26.71% -2.93% -9.51%
Net Income Q/Q Growth		 -0.50% 24.66% -9.50% -10.44% -13.32% -17.22% 1.99% 26.71% -2.93% -9.51%
EPS Q/Q Growth		 1.39% 24.66% -8.24% -8.98% -12.50% -18.05% 3.67% 28.32% -2.76% -9.93%
Operating Cash Flow Q/Q Growth		 218.03% 80.06% -50.90% 189.16% -82.13% 76.19% -166.36% 261.50% -59.29% -44.75%
Free Cash Flow Firm Q/Q Growth		 426.83% -127.97% -31.19% 836.39% -63.32% -208.84% 70.69% -1,648.44% -3.55% 39.01%
Invested Capital Q/Q Growth		 -13.72% 7.79% -1.95% -11.80% -0.47% 28.59% -7.63% 32.63% 0.90% 3.91%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 41.40% 47.45% 46.51% 44.92% 41.23% 36.01% 37.01% 41.73% 39.18% 35.70%
EBIT Margin		 37.46% 43.52% 42.47% 40.80% 37.05% 31.65% 32.10% 36.80% 36.59% 31.81%
Profit (Net Income) Margin		 29.78% 36.29% 33.49% 32.77% 29.09% 25.42% 25.97% 29.99% 30.00% 26.43%
Tax Burden Percent		 79.50% 83.40% 78.85% 80.32% 78.50% 80.33% 80.91% 81.48% 81.99% 83.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.50% 16.60% 21.15% 19.68% 21.50% 19.67% 19.09% 18.52% 18.01% 16.94%
Return on Invested Capital (ROIC)		 7.75% 9.67% 9.46% 9.02% 8.46% 5.99% 6.16% 6.44% 6.43% 5.11%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.75% 9.67% 9.46% 9.02% 8.46% 5.99% 6.16% 6.44% 6.43% 5.11%
Return on Net Nonoperating Assets (RNNOA)		 4.04% 5.09% 4.80% 5.34% 4.59% 4.28% 3.75% 5.10% 4.84% 4.81%
Return on Equity (ROE)		 11.79% 14.76% 14.27% 14.36% 13.04% 10.27% 9.91% 11.54% 11.28% 9.91%
Cash Return on Invested Capital (CROIC)		 14.74% 3.63% 3.59% 30.82% 17.10% -2.98% 2.56% -38.29% -39.55% -19.47%
Operating Return on Assets (OROA)		 1.51% 1.83% 1.85% 1.74% 1.52% 1.23% 1.19% 1.35% 1.33% 1.19%
Return on Assets (ROA)		 1.20% 1.52% 1.46% 1.40% 1.19% 0.99% 0.96% 1.10% 1.09% 0.98%
Return on Common Equity (ROCE)		 11.79% 14.76% 14.27% 14.36% 13.04% 10.27% 9.91% 11.54% 11.28% 9.91%
Return on Equity Simple (ROE_SIMPLE)		 13.42% 0.00% 14.30% 14.55% 14.53% 0.00% 10.75% 10.45% 9.81% 0.00%
Net Operating Profit after Tax (NOPAT)		 18 23 20 18 16 13 13 17 16 15
NOPAT Margin		 29.78% 36.29% 33.49% 32.77% 29.09% 25.42% 25.97% 29.99% 30.00% 26.43%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.56% 43.80% 45.14% 50.07% 51.94% 55.77% 53.94% 50.52% 52.06% 50.94%
Operating Expenses to Revenue		 57.09% 55.13% 56.42% 62.10% 65.13% 70.17% 66.68% 64.27% 61.34% 65.43%
Earnings before Interest and Taxes (EBIT)		 23 27 26 23 20 16 17 21 20 18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 25 30 28 25 23 19 19 24 22 20
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.31 1.29 1.07 1.09 1.05 1.19 1.12 1.13 1.09 1.16
Price to Tangible Book Value (P/TBV)		 1.33 1.31 1.09 1.11 1.07 1.21 1.14 1.15 1.11 1.18
Price to Revenue (P/Rev)		 2.97 2.93 2.45 2.47 2.38 3.05 2.96 3.00 3.11 3.17
Price to Earnings (P/E)		 9.73 9.02 7.49 7.46 7.21 10.04 10.43 10.83 11.15 11.28
Dividend Yield		 2.80% 2.78% 3.28% 3.25% 3.43% 2.77% 2.96% 2.90% 2.79% 2.68%
Earnings Yield		 10.28% 11.08% 13.35% 13.40% 13.87% 9.96% 9.58% 9.23% 8.97% 8.87%
Enterprise Value to Invested Capital (EV/IC)		 0.96 0.98 0.84 0.80 0.80 0.90 0.89 0.91 0.88 0.92
Enterprise Value to Revenue (EV/Rev)		 3.57 3.78 3.04 2.59 2.64 4.00 3.82 5.16 5.02 5.37
Enterprise Value to EBITDA (EV/EBITDA)		 8.26 8.50 6.79 5.73 5.85 9.43 9.57 13.21 13.02 13.98
Enterprise Value to EBIT (EV/EBIT)		 9.18 9.38 7.46 6.29 6.42 10.46 10.75 14.97 14.61 15.64
Enterprise Value to NOPAT (EV/NOPAT)		 11.69 11.63 9.27 7.81 7.99 13.17 13.45 18.65 17.98 19.10
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.47 10.41 10.73 5.80 6.31 11.07 21.17 28.99 22.45 26.79
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.30 27.74 23.95 2.31 4.49 0.00 35.46 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.63 0.69 0.59 0.42 0.46 0.74 0.63 1.14 1.01 1.13
Long-Term Debt to Equity		 0.20 0.19 0.18 0.18 0.19 0.18 0.18 0.18 0.16 0.17
Financial Leverage		 0.52 0.53 0.51 0.59 0.54 0.72 0.61 0.79 0.75 0.94
Leverage Ratio		 9.80 9.68 9.79 10.28 10.95 10.40 10.30 10.47 10.30 10.07
Compound Leverage Factor		 9.80 9.68 9.79 10.28 10.95 10.40 10.30 10.47 10.30 10.07
Debt to Total Capital		 38.74% 40.74% 37.02% 29.77% 31.33% 42.57% 38.55% 53.37% 50.27% 53.12%
Short-Term Debt to Total Capital		 26.76% 29.62% 25.66% 16.89% 18.38% 32.49% 27.63% 45.13% 42.09% 45.25%
Long-Term Debt to Total Capital		 11.98% 11.12% 11.35% 12.88% 12.95% 10.08% 10.92% 8.24% 8.17% 7.87%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 61.26% 59.26% 62.98% 70.23% 68.67% 57.43% 61.45% 46.63% 49.73% 46.88%
Debt to EBITDA		 3.33 3.53 3.01 2.14 2.30 4.48 4.15 7.76 7.46 8.04
Net Debt to EBITDA		 1.38 1.91 1.31 0.26 0.57 2.24 2.15 5.54 4.95 5.73
Long-Term Debt to EBITDA		 1.03 0.96 0.92 0.93 0.95 1.06 1.18 1.20 1.21 1.19
Debt to NOPAT		 4.71 4.83 4.11 2.91 3.14 6.25 5.84 10.96 10.31 10.99
Net Debt to NOPAT		 1.96 2.61 1.79 0.35 0.78 3.13 3.01 7.82 6.83 7.82
Long-Term Debt to NOPAT		 1.46 1.32 1.26 1.26 1.30 1.48 1.65 1.69 1.68 1.63
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 77 -21 -28 208 76 -83 -24 -425 -440 -268
Operating Cash Flow to CapEx		 346.97% 756.61% 578.42% 2,850.68% 441.50% 1,246.84% -3,346.21% 2,921.63% 1,607.26% 717.45%
Free Cash Flow to Firm to Interest Expense		 11.37 -1.61 -1.54 8.15 2.67 -2.65 -0.75 -12.46 -12.28 -8.12
Operating Cash Flow to Interest Expense		 2.54 2.32 0.83 1.72 0.27 0.44 -0.83 1.28 0.49 0.30
Operating Cash Flow Less CapEx to Interest Expense		 1.81 2.01 0.69 1.66 0.21 0.41 -0.85 1.23 0.46 0.25
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.64 1.71 1.77 1.74 1.67 1.60 1.54 1.56 1.57 1.62
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 835 900 882 778 774 996 920 1,220 1,231 1,279
Invested Capital Turnover		 0.26 0.27 0.28 0.28 0.29 0.24 0.24 0.21 0.21 0.19
Increase / (Decrease) in Invested Capital		 -59 44 49 -189 -60 96 38 442 456 283
Enterprise Value (EV)		 802 883 737 621 617 893 817 1,108 1,080 1,181
Market Capitalization		 668 685 595 593 557 681 634 644 669 697
Book Value per Share		 $41.50 $43.64 $45.61 $45.36 $44.48 $48.48 $48.17 $48.79 $52.42 $51.36
Tangible Book Value per Share		 $40.60 $42.76 $44.73 $44.48 $43.60 $47.59 $47.28 $47.91 $51.54 $50.49
Total Capital		 835 900 882 778 774 996 920 1,220 1,231 1,279
Total Debt		 323 366 326 232 243 424 355 651 619 679
Total Long-Term Debt		 100 100 100 100 100 100 100 101 101 101
Net Debt		 134 198 142 28 60 212 183 465 410 484
Capital Expenditures (CapEx)		 4.95 4.08 2.62 1.54 1.78 1.11 0.81 1.49 1.10 1.36
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 323 366 326 232 243 424 355 651 619 679
Total Depreciation and Amortization (D&A)		 2.40 2.45 2.47 2.31 2.28 2.26 2.54 2.79 1.43 2.19
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.47 $1.84 $1.68 $1.52 $1.33 $1.12 $1.14 $1.46 $1.41 $1.27
Adjusted Weighted Average Basic Shares Outstanding		 12.21M 12.18M 12.04M 11.95M 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M
Adjusted Diluted Earnings per Share		 $1.46 $1.82 $1.67 $1.52 $1.33 $1.09 $1.13 $1.45 $1.41 $1.27
Adjusted Weighted Average Diluted Shares Outstanding		 12.21M 12.18M 12.04M 11.95M 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.21M 12.18M 12.04M 11.95M 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M
Normalized Net Operating Profit after Tax (NOPAT)		 18 23 20 18 16 13 13 17 16 15
Normalized NOPAT Margin		 29.78% 36.29% 33.49% 32.77% 29.09% 25.42% 25.97% 29.99% 30.00% 26.43%
Pre Tax Income Margin		 37.46% 43.52% 42.47% 40.80% 37.05% 31.65% 32.10% 36.80% 36.59% 31.81%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.37 2.03 1.42 0.90 0.71 0.52 0.51 0.61 0.56 0.54
NOPAT to Interest Expense		 2.68 1.70 1.12 0.72 0.56 0.42 0.41 0.50 0.46 0.45
EBIT Less CapEx to Interest Expense		 2.64 1.73 1.28 0.83 0.65 0.49 0.48 0.57 0.53 0.50
NOPAT Less CapEx to Interest Expense		 1.95 1.39 0.98 0.66 0.49 0.38 0.39 0.45 0.43 0.41
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 27.82% 25.26% 24.36% 24.65% 25.16% 28.44% 31.46% 31.87% 31.29% 30.27%
Augmented Payout Ratio		 136.54% 106.69% 77.37% 57.04% 54.06% 62.84% 70.28% 67.88% 58.04% 54.78%

Financials Breakdown Chart

Key Financial Trends

Great Southern Bancorp (NASDAQ: GSBC) has shown notable financial trends over the past four years, with a focus on stable net interest income, steady profitability, and ongoing capital management activities.

Income Statement Highlights:

  • Net interest income has gradually increased from about $45.3 million in Q4 2023 to $49.5 million in Q4 2024, indicating improved core earnings from loans and investments.
  • Non-interest income remains relatively stable, ranging around $6.5 million to $7 million quarterly, supported by trust fees and service charges.
  • Provision for credit losses fluctuated, occasionally turning negative (favorable credit adjustments), with a recent provision of $1.56 million in Q4 2024, suggesting some caution on credit risk.
  • Total non-interest expense has increased moderately from around $35 million in late 2022 and 2023 to nearly $37 million in late 2024, reflecting investments in personnel and operations.
  • Net income to common shareholders has grown from approximately $13 million in Q4 2023 to $14.9 million in Q4 2024, showing steady earnings growth.
  • Earnings per share increased from $1.12 basic in Q4 2023 to $1.27 basic in Q4 2024, reflecting both improved profitability and stable share count.

Cash Flow and Financing Activities:

  • Strong net cash provided by operating activities in recent quarters ($9.8 million in Q4 2024), supporting liquidity and operational strength.
  • Significant net cash outflows related to financing activities in Q4 2024 (-$38.5 million) driven by decreases in deposits and issuance/repayment of debt, suggesting active capital restructuring.
  • Net cash from investing activities was positive in Q4 2024 (+$16.1 million), indicating asset sales or maturities exceeding purchases, potentially optimizing the investment portfolio.

Balance Sheet and Capital Structure:

  • Total assets have grown steadily from about $5.7 billion in Q3 2022 to nearly $6.0 billion by Q3 2024, showing expansion in the company's asset base.
  • Non-interest bearing deposits remain a significant source of funding (> $4.5 billion), providing stable funding with low interest expense.
  • Long-term debt has remained relatively stable around $100 million, while short-term debt has been variable, impacting interest expense.
  • Common equity has grown from approximately $511 million in Q3 2022 to $612 million in Q3 2024, indicating capital accumulation and retained earnings growth.

Overall Trend Summary:

  • Great Southern Bancorp has consistently improved its net interest income and net income over the recent years, reflecting solid profitability.
  • The bank is managing credit risk prudently, maintaining stable provisions for credit losses with occasional releases.
  • The company is experiencing moderately rising operating expenses which requires efficient cost control to sustain margins.
  • Cash flows from financing activities show substantial variability, likely reflecting strategic capital management decisions including debt and equity moves.
  • Growth in assets and equity denotes an expanding and financially stable institution, supportive of long-term shareholder value.

In summary, Great Southern Bancorp demonstrates strong core banking performance with gradual revenue growth and maintaining disciplined credit and capital management, positioning it well for continued stability and growth.

10/13/25 03:55 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Great Southern Bancorp's Financials

When does Great Southern Bancorp's financial year end?

According to the most recent income statement we have on file, Great Southern Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Great Southern Bancorp's net income changed over the last 2 years?

Great Southern Bancorp's net income appears to be on a downward trend, with a most recent value of $61.81 million in 2024, falling from $75.95 million in 2022. The previous period was $67.80 million in 2023. Check out Great Southern Bancorp's forecast to explore projected trends and price targets.

How has Great Southern Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Great Southern Bancorp's total revenue changed from $233.76 million in 2022 to $219.71 million in 2024, a change of -6.0%.

How much debt does Great Southern Bancorp have?

Great Southern Bancorp's total liabilities were at $5.38 billion at the end of 2024, a 2.7% increase from 2023, and a 4.6% increase since 2022.

How much cash does Great Southern Bancorp have?

In the past 2 years, Great Southern Bancorp's cash and equivalents has ranged from $102.53 million in 2023 to $109.37 million in 2024, and is currently $109.37 million as of their latest financial filing in 2024.

How has Great Southern Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Great Southern Bancorp's book value per share changed from 43.64 in 2022 to 51.36 in 2024, a change of 17.7%.


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This page (NASDAQ:GSBC) was last updated on 10/13/2025 by MarketBeat.com Staff
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