Great Southern Bancorp (GSBC) Financials

$56.20 -0.66 (-1.16%)

Closing price 05/22/2025 04:00 PM Eastern

Extended Trading

$56.27 +0.07 (+0.12%)

As of 05/22/2025 04:04 PM Eastern

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Great Southern Bancorp's Financials

When does Great Southern Bancorp's fiscal year end?

According to the most recent income statement we have on file, Great Southern Bancorp's financial year ends in December. Their financial 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. Find out what analysts predict for Great Southern Bancorp in the coming months.

How has Great Southern Bancorp 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 5/23/2025 by MarketBeat.com Staff

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Great Southern Bancorp (GSBC) Financials

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Great Southern Bancorp (GSBC) Financials

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