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Great Southern Bancorp (GSBC) Financials

Great Southern Bancorp logo
$70.93 0.00 (0.00%)
Closing price 05/22/2026 04:00 PM Eastern
Extended Trading
$70.98 +0.05 (+0.07%)
As of 05/22/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 46 45 52 67 74 59 75 76 68 62 71
Consolidated Net Income / (Loss)		 47 9.02 2.74 67 74 59 75 76 68 62 71
Net Income / (Loss) Continuing Operations		 83 9.02 2.74 67 74 59 75 76 68 62 71
Total Pre-Tax Income 		62 62 70 82 90 73 94 94 85 75 87
Total Revenue		 219 155 145 204 211 212 216 234 223 220 229
Net Interest Income / (Expense)		 168 163 155 168 180 177 178 200 193 189 200
Total Interest Income		 184 185 183 206 235 218 199 227 297 325 314
Loans and Leases Interest Income		 177 179 177 198 223 205 186 206 272 297 285
Investment Securities Interest Income		 7.11 6.29 6.41 7.72 12 13 12 21 25 28 28
Total Interest Expense		 16 22 28 38 55 41 21 27 104 136 113
Deposits Interest Expense		 14 17 21 28 46 32 13 21 89 110 94
Short-Term Borrowings Interest Expense		 - - - - - 0.64 0.00 1.07 7.50 18 15
Long-Term Debt Interest Expense		 2.42 3.60 6.56 9.04 5.40 7.46 7.61 5.30 6.16 6.22 3.56
Federal Funds Purchased and Securities Sold Interest Expense		 0.07 1.14 0.75 0.77 3.64 0.03 0.04 0.32 1.21 1.41 1.16
Total Non-Interest Income		 14 29 39 36 31 35 38 34 30 31 29
Trust Fees by Commissions		 - 1.10 1.04 1.14 0.89 0.89 1.26 1.21 1.15 1.23 1.63
Other Service Charges		 28 27 27 26 28 26 27 30 27 26 24
Net Realized & Unrealized Capital Gains on Investments		 3.85 6.88 11 9.23 2.44 7.90 9.78 2.78 2.35 3.78 3.27
Other Non-Interest Income		 -18 -6.94 -0.49 - - - - - -0.34 -0.06 -0.06
Provision for Credit Losses		 5.52 9.28 9.10 7.15 6.15 16 -6.70 6.19 -3.08 2.72 0.05
Total Non-Interest Expense		 114 120 114 115 115 123 128 133 141 141 142
Salaries and Employee Benefits		 59 60 60 60 63 71 70 75 79 79 80
Net Occupancy & Equipment Expense		 26 26 25 26 26 28 29 28 31 32 35
Marketing Expense		 2.32 2.23 2.31 2.46 2.81 2.63 3.07 3.26 3.40 3.12 2.93
Property & Liability Insurance Claims		 3.57 3.48 2.96 2.67 2.02 2.41 3.06 3.20 4.54 4.62 4.45
Other Operating Expenses		 20 25 22 22 20 19 22 22 23 23 19
Amortization Expense		 3.43 3.59 2.58 2.14 1.19 1.15 0.86 0.77 0.29 0.43 0.43
Income Tax Expense		 16 17 19 15 16 14 20 18 18 14 16
Basic Earnings per Share		 $3.33 $3.26 $3.67 $4.75 $5.18 $4.22 $5.50 $6.07 $5.65 $5.28 $6.23
Weighted Average Basic Shares Outstanding		 13.80M 13.90M 14.10M 14.21M 14.21M 13.69M 12.89M 12.18M 11.73M 11.60M 10.96M
Diluted Earnings per Share		 $3.28 $3.21 $3.64 $4.71 $5.14 $4.21 $5.46 $6.02 $5.61 $5.26 $6.19
Weighted Average Diluted Shares Outstanding		 13.80M 13.90M 14.10M 14.21M 14.21M 13.69M 12.89M 12.18M 11.73M 11.60M 10.96M
Weighted Average Basic & Diluted Shares Outstanding		 13.80M 13.90M 14.10M 14.21M 14.21M 13.69M 12.89M 12.18M 11.73M 11.60M 10.96M
Cash Dividends to Common per Share		 - - - $1.20 $2.07 $2.36 $1.40 $1.56 $1.60 $1.60 $1.66

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 16 13 13 17 16 15 17 20 18 16 17
Consolidated Net Income / (Loss)		 16 13 13 17 16 15 17 20 18 16 17
Net Income / (Loss) Continuing Operations		 16 13 13 17 16 15 17 20 18 16 17
Total Pre-Tax Income 		20 16 17 21 20 18 21 24 22 19 21
Total Revenue		 55 52 52 57 55 56 56 59 58 56 55
Net Interest Income / (Expense)		 47 45 45 47 48 50 49 51 51 49 48
Total Interest Income		 75 76 77 81 84 83 80 81 79 73 71
Loans and Leases Interest Income		 69 70 71 74 76 75 73 74 72 67 65
Investment Securities Interest Income		 6.39 6.29 6.31 6.63 7.37 7.21 7.17 7.15 7.05 6.90 6.51
Total Interest Expense		 29 31 33 34 36 33 31 30 28 24 23
Deposits Interest Expense		 25 27 28 28 28 26 25 24 24 21 18
Short-Term Borrowings Interest Expense		 1.43 2.34 3.04 4.37 5.39 5.42 4.45 3.97 3.62 2.60 4.06
Long-Term Debt Interest Expense		 1.56 1.57 1.56 1.56 1.56 1.54 1.49 1.30 0.41 0.37 0.34
Federal Funds Purchased and Securities Sold Interest Expense		 0.31 0.33 0.33 0.39 0.39 0.30 0.37 0.37 0.30 0.12 0.10
Total Non-Interest Income		 7.85 6.56 6.81 9.83 6.99 6.93 6.59 8.21 7.06 7.19 7.03
Trust Fees by Commissions		 0.23 0.27 0.38 0.27 0.36 0.22 0.26 0.41 0.57 0.39 0.62
Other Service Charges		 6.78 5.93 5.76 8.44 5.59 5.82 5.75 6.94 5.58 5.95 5.70
Net Realized & Unrealized Capital Gains on Investments		 0.84 0.08 0.68 1.13 1.08 0.89 0.60 0.89 0.92 0.86 0.72
Other Non-Interest Income		 - - -0.01 -0.01 -0.04 - -0.02 -0.03 -0.00 -0.01 -0.00
Provision for Credit Losses		 -1.20 -0.94 0.63 -0.61 1.14 1.56 -0.35 -0.11 -0.38 0.88 -0.93
Total Non-Interest Expense		 36 36 34 36 34 37 35 35 36 36 35
Salaries and Employee Benefits		 20 20 20 20 20 20 20 20 20 20 20
Net Occupancy & Equipment Expense		 7.73 7.98 7.84 7.84 8.14 8.30 8.53 8.44 8.87 9.46 8.86
Marketing Expense		 0.95 0.90 0.35 0.89 0.93 0.96 0.29 0.71 0.99 0.95 0.37
Property & Liability Insurance Claims		 1.30 1.36 1.14 1.26 1.05 1.16 1.17 1.10 1.11 1.08 1.07
Other Operating Expenses		 5.85 6.02 5.33 6.42 3.94 6.91 4.60 4.66 4.86 4.76 4.31
Amortization Expense		 0.06 0.06 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11
Income Tax Expense		 4.35 3.22 3.16 3.86 3.62 3.04 4.29 4.49 4.35 3.19 4.02
Basic Earnings per Share		 $1.33 $1.12 $1.14 $1.46 $1.41 $1.27 $1.47 $1.73 $1.57 $1.46 $1.59
Weighted Average Basic Shares Outstanding		 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M 11.47M 11.33M 11.19M 10.96M 10.89M
Diluted Earnings per Share		 $1.33 $1.09 $1.13 $1.45 $1.41 $1.27 $1.47 $1.72 $1.56 $1.44 $1.58
Weighted Average Diluted Shares Outstanding		 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M 11.47M 11.33M 11.19M 10.96M 10.89M
Weighted Average Basic & Diluted Shares Outstanding		 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M 11.47M 11.33M 11.19M 10.96M 10.89M
Cash Dividends to Common per Share		 $0.40 - $0.40 $0.40 $0.40 - $0.40 $0.40 $0.43 - $0.43

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -19 81 -38 -40 17 344 154 -549 43 -16 -6.20
Net Cash From Operating Activities		 71 81 63 94 86 46 94 85 81 44 82
Net Cash From Continuing Operating Activities		 323 317 294 -40 86 46 94 85 81 44 82
Net Income / (Loss) Continuing Operations		 0.00 0.00 0.00 -67 0.00 0.00 0.00 76 68 62 71
Consolidated Net Income / (Loss)		 - - - 67 - - - 76 68 62 71
Provision For Loan Losses		 5.52 9.28 9.10 7.15 6.15 16 -5.76 6.19 -3.08 2.72 0.05
Depreciation Expense		 10 9.82 9.12 9.12 9.56 10 9.56 8.50 8.72 8.24 8.11
Amortization Expense		 3.43 8.08 4.68 2.29 2.07 2.08 1.58 1.18 0.59 0.71 0.40
Non-Cash Adjustments to Reconcile Net Income		 -0.37 8.43 279 -5.17 65 37 70 -7.50 -9.90 -16 -11
Changes in Operating Assets and Liabilities, net		 3.02 17 -7.77 14 3.91 -19 18 0.54 17 -13 13
Net Cash From Investing Activities		 -196 -199 81 -381 -295 -131 182 -820 -88 -175 367
Net Cash From Continuing Investing Activities		 486 516 61 -381 -295 -131 182 -820 -88 -175 367
Purchase of Property, Leasehold Improvements and Equipment		 -17 -11 -7.40 -9.32 -12 -8.22 -5.74 -20 -7.30 -4.92 -11
Purchase of Investment Securities		 -139 -218 -137 -223 -305 -210 -339 -741 -41 -131 -20
Sale of Property, Leasehold Improvements and Equipment		 2.23 1.18 0.57 2.33 0.20 0.78 0.59 3.98 0.25 0.16 0.13
Sale and/or Maturity of Investments		 145 147 72 47 103 149 78 72 39 38 62
Other Investing Activities, net		 -188 -145 153 -148 -81 -63 449 -134 -79 -78 337
Net Cash From Financing Activities		 105 199 -182 248 226 429 -122 186 50 116 -455
Net Cash From Continuing Financing Activities		 13,223 4,029 2,486 248 226 429 -122 186 50 116 -455
Net Change in Deposits		 278 199 -80 189 235 557 35 133 37 -116 -123
Issuance of Debt		 6,510 1,793 1,421 2,822 0.00 74 -27 127 0.00 180 -19
Repayment of Debt		 -6,612 -2,025 -1,513 -2,749 14 -147 -75 - 57 75 -255
Repurchase of Common Equity		 - 0.00 0.00 -0.90 -0.85 -22 -39 -62 - - -44
Payment of Dividends		 -12 -12 -13 -16 -29 -33 -19 -19 -19 -19 -19
Other Financing Activities, Net		 3.11 -0.04 3.92 2.00 6.55 0.71 2.31 6.70 -0.76 10 5.33

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -22 29 -40 15 22 -13 21 29 -50 -6.68 -2.15
Net Cash From Operating Activities		 7.84 14 -27 44 18 9.79 15 39 5.59 22 21
Net Cash From Continuing Operating Activities		 7.84 14 -27 44 18 9.79 15 39 5.59 22 21
Net Income / (Loss) Continuing Operations		 16 13 13 30 16 15 17 20 18 16 17
Consolidated Net Income / (Loss)		 16 13 13 - 16 15 17 20 18 16 17
Provision For Loan Losses		 -1.20 -0.94 0.63 -0.61 1.14 1.56 -0.35 -0.11 -0.38 0.88 -0.93
Depreciation Expense		 2.16 2.12 2.11 2.07 2.05 2.01 1.97 1.98 1.99 2.17 2.14
Amortization Expense		 0.12 0.13 0.43 0.73 -0.63 0.19 0.19 0.08 0.11 0.03 0.12
Non-Cash Adjustments to Reconcile Net Income		 2.19 -0.82 -8.40 -21 -0.42 0.56 -2.17 -2.88 -3.50 -2.94 -0.98
Changes in Operating Assets and Liabilities, net		 -11 0.17 -35 32 -0.92 -9.44 -1.80 20 -10 5.21 3.36
Net Cash From Investing Activities		 -58 -22 14 -158 -47 16 9.39 162 69 128 -100
Net Cash From Continuing Investing Activities		 -58 -22 14 -158 -47 16 9.39 162 69 128 -100
Purchase of Property, Leasehold Improvements and Equipment		 -1.95 -1.13 -0.81 -1.51 -1.17 -1.43 -1.93 -4.40 -1.74 -3.40 -1.30
Purchase of Investment Securities		 -15 -9.32 -12 -98 -0.69 -20 -0.64 -14 -25 19 -0.60
Sale of Property, Leasehold Improvements and Equipment		 0.18 0.02 0.00 0.02 0.07 0.07 0.00 0.03 0.05 0.05 0.03
Sale and/or Maturity of Investments		 5.38 13 17 -2.65 32 -8.15 12 22 7.79 20 2.55
Other Investing Activities, net		 -47 -25 9.96 -56 -78 46 -0.40 158 87 92 -101
Net Cash From Financing Activities		 29 38 -26 129 52 -39 -2.97 -172 -124 -156 76
Net Cash From Continuing Financing Activities		 29 38 -26 129 52 -39 -2.97 -172 -124 -156 76
Net Change in Deposits		 27 -131 52 -158 82 -92 152 -74 -156 -45 -38
Issuance of Debt		 - 57 180 - - -105 37 -11 44 -89 128
Repayment of Debt		 11 - -249 296 -32 - -180 -75 - - 0.00
Repurchase of Common Equity		 -5.45 -3.59 -5.84 -6.53 -0.11 -2.68 - -9.79 -10 -14 -17
Payment of Dividends		 -4.79 -4.75 -4.72 -4.68 -4.63 -4.67 -4.69 -4.63 -4.56 -4.85 -4.76
Other Financing Activities, Net		 0.94 -4.71 1.67 2.19 6.46 180 2.90 1.73 2.89 -2.19 7.33

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 4,104 4,551 4,415 4,676 5,015 5,526 5,450 5,681 5,812 5,982 5,599
Cash and Due from Banks		 115 120 116 110 99 92 90 105 103 109 110
Interest Bearing Deposits at Other Banks		 84 160 127 93 121 471 627 63 109 86 80
Trading Account Securities		 263 214 179 244 374 415 501 693 673 721 703
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 12 16 8.20 1.65 4,163 4,315 4,016 4.81 5.85 6.94 6.84
Premises and Equipment, Net		 130 141 138 132 142 139 133 141 139 132 133
Goodwill		 5.76 13 11 9.29 8.10 6.94 6.08 11 11 10 9.66
Other Assets		 3,494 3,887 3,836 4,086 108 87 77 4,662 4,773 4,916 4,556
Total Liabilities & Shareholders' Equity		 4,104 4,551 4,415 4,676 5,015 5,526 5,450 5,681 5,812 5,982 5,599
Total Liabilities		 3,706 4,121 3,943 4,144 4,412 4,897 4,833 5,148 5,241 5,382 4,962
Non-Interest Bearing Deposits		 3,269 3,677 3,597 3,725 3,960 4,517 4,552 4,685 4,722 4,606 4,483
Interest Bearing Deposits		 4.68 4.64 5.32 5.09 7.48 7.54 6.15 6.59 4.95 5.27 5.78
Short-Term Debt		 117 286 97 298 312 166 139 266 323 579 379
Accrued Interest Payable		 1.08 2.72 2.90 3.57 4.25 2.59 0.65 3.01 6.23 13 3.61
Long-Term Debt		 289 131 227 100 100 174 100 100 100 101 26
Other Long-Term Liabilities		 25 19 13 13 28 30 36 87 84 79 65
Total Equity & Noncontrolling Interests		 398 430 472 532 603 630 617 533 572 600 636
Total Preferred & Common Equity		 398 430 472 532 603 630 617 533 572 600 636
Preferred Stock		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 398 430 472 532 603 630 617 533 572 600 636
Common Stock		 25 26 28 30 34 35 38 43 44 50 54
Retained Earnings		 368 402 442 492 537 541 546 544 570 603 614
Accumulated Other Comprehensive Income / (Loss)		 5.66 1.56 1.24 9.63 32 53 33 -53 -42 -54 -32

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,676 5,769 5,720 5,748 5,777 5,959 6,037 5,994 5,855 5,738 5,687
Cash and Due from Banks		 108 90 106 93 90 110 105 106 110 94 101
Interest Bearing Deposits at Other Banks		 81 95 98 90 81 77 103 111 136 102 86
Trading Account Securities		 689 694 675 645 659 740 754 722 711 713 691
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 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 6.86 5.62 5.59 6.82
Premises and Equipment, Net		 139 141 141 140 136 135 133 132 134 134 132
Goodwill		 11 11 11 11 10 10 10 9.99 9.88 9.77 9.55
Other Assets		 146 163 4,679 4,765 4,789 4,874 4,920 4,906 4,748 4,680 4,660
Total Liabilities & Shareholders' Equity		 5,676 5,769 5,720 5,748 5,777 5,959 6,037 5,994 5,855 5,738 5,687
Total Liabilities		 5,165 5,213 5,173 5,216 5,212 5,390 5,424 5,381 5,232 5,105 5,054
Non-Interest Bearing Deposits		 4,739 4,799 4,825 4,852 4,773 4,615 4,697 4,758 4,684 4,528 4,445
Interest Bearing Deposits		 10 8.09 9.34 10 6.36 8.24 9.63 7.45 8.82 9.90 9.02
Short-Term Debt		 223 226 131 142 254 551 518 435 425 469 508
Accrued Interest Payable		 2.63 4.67 5.03 6.62 8.14 9.01 12 5.42 4.07 3.91 3.25
Long-Term Debt		 100 100 100 100 100 101 101 101 26 26 26
Other Long-Term Liabilities		 90 75 103 105 70 106 87 74 85 69 63
Total Equity & Noncontrolling Interests		 511 556 546 532 565 569 612 613 622 633 634
Total Preferred & Common Equity		 511 556 546 532 565 569 612 613 622 633 634
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 511 556 546 532 565 569 612 613 622 633 634
Common Stock		 42 43 43 44 45 45 48 51 52 53 56
Retained Earnings		 528 554 559 565 573 579 593 606 612 616 613
Accumulated Other Comprehensive Income / (Loss)		 -58 -41 -56 -77 -53 -55 -29 -44 -41 -36 -35

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 13,869,823.00 13,927,660.00 14,058,343.00 14,158,300.00 14,212,780.00 13,844,270.00 13,338,563.00 - - - 11,189,262.00
DEI Adjusted Shares Outstanding		 13,869,823.00 13,927,660.00 14,058,343.00 14,158,300.00 14,212,780.00 13,844,270.00 13,338,563.00 - - - 11,189,262.00
DEI Earnings Per Adjusted Shares Outstanding		 3.35 0.65 0.19 4.74 5.18 4.28 5.59 - - - 6.34
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.15% -28.99% -6.69% 41.11% 3.39% 0.40% 1.91% 8.10% -4.48% -1.60% 4.36%
EBITDA Growth		 -23.73% -61.44% -18.75% 164.53% 8.92% -16.24% 24.97% -2.41% -8.88% -10.79% 13.45%
EBIT Growth		 -12.62% -74.14% -15.84% 281.27% 9.90% -18.84% 30.39% -1.16% -9.40% -11.54% 15.63%
NOPAT Growth		 6.83% -2.49% 13.72% 30.15% 9.69% -19.42% 25.82% 1.77% -10.73% -8.84% 14.83%
Net Income Growth		 6.83% -80.59% -69.68% 2,352.81% 9.69% -19.42% 25.82% 1.77% -10.73% -8.84% 14.83%
EPS Growth		 5.81% -2.13% 13.40% 29.40% 9.13% -18.09% 29.69% 10.26% -6.81% -6.24% 17.68%
Operating Cash Flow Growth		 5.93% 12.89% -22.10% 49.95% -8.26% -46.72% 103.57% -9.49% -4.89% -45.40% 85.01%
Free Cash Flow Firm Growth		 205.73% -97.85% 2,613.22% -165.14% 81.62% 957.87% 79.52% -83.13% -188.76% -683.48% 239.34%
Invested Capital Growth		 -13.79% 5.16% -6.00% 16.82% 9.24% -4.51% -11.77% 5.16% 10.68% 28.45% -18.58%
Revenue Q/Q Growth		 -14.03% -33.01% -1.29% 9.80% 107.55% -24.98% -0.51% 3.94% -4.52% 2.21% -0.05%
EBITDA Q/Q Growth		 -42.49% -61.44% -3.43% -52.40% 194.55% -37.34% -2.20% 6.93% -10.35% 1.86% 1.60%
EBIT Q/Q Growth		 -26.07% -75.23% -7.32% -55.97% 180.19% -36.70% -1.71% 7.78% -11.18% 2.17% 1.75%
NOPAT Q/Q Growth		 -0.89% 0.32% 0.81% 8.19% 20.10% -16.62% -3.25% 10.67% -12.24% 2.96% 1.94%
Net Income Q/Q Growth		 -0.89% -83.57% -46.26% 408.40% -45.78% 1,871.21% -3.25% 10.67% -12.24% 2.96% 1.94%
EPS Q/Q Growth		 -1.20% 0.31% 1.39% 8.03% 0.59% 0.72% -2.33% 12.52% -11.51% 3.54% 2.82%
Operating Cash Flow Q/Q Growth		 -27.43% 10.70% -5.03% 11.72% 313.78% -62.30% 6.51% 21.31% -17.47% -8.38% 16.99%
Free Cash Flow Firm Q/Q Growth		 177.36% 130.39% 1,365.12% -561.93% -138.13% -90.09% 123.16% -75.00% -120.55% 44.14% 78.29%
Invested Capital Q/Q Growth		 2.24% 0.19% -10.50% -3.30% 2.53% 101,440.49% -4.23% 7.79% 28.59% 3.91% -7.63%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 51.53% 27.98% 24.36% 45.67% 48.11% 40.14% 49.22% 44.44% 42.39% 38.44% 41.79%
EBIT Margin		 45.17% 16.45% 14.84% 40.09% 42.61% 34.45% 44.07% 40.30% 38.22% 34.36% 38.07%
Profit (Net Income) Margin		 21.27% 5.81% 1.89% 32.83% 34.83% 27.95% 34.51% 32.49% 30.36% 28.13% 30.95%
Tax Burden Percent		 74.92% 14.59% 3.89% 81.89% 81.74% 81.15% 79.08% 80.62% 79.44% 81.87% 81.30%
Interest Burden Percent		 62.85% 242.20% 327.17% 100.00% 100.00% 100.00% 99.01% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.08% 26.70% 26.67% 18.11% 18.26% 18.85% 20.92% 19.38% 20.56% 18.13% 18.70%
Return on Invested Capital (ROIC)		 5.35% 5.49% 6.28% 7.78% 7.57% 5.98% 8.18% 8.65% 7.15% 5.43% 6.12%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.35% -3.33% -6.90% 7.78% 7.57% 5.98% 8.18% 8.65% 7.15% 5.43% 6.12%
Return on Net Nonoperating Assets (RNNOA)		 6.02% -3.31% -5.67% 5.59% 5.40% 3.65% 3.80% 4.56% 5.12% 5.12% 5.37%
Return on Equity (ROE)		 11.37% 2.18% 0.61% 13.37% 12.97% 9.62% 11.97% 13.21% 12.27% 10.55% 11.49%
Cash Return on Invested Capital (CROIC)		 20.16% 0.46% 12.47% -7.73% -1.26% 10.59% 20.69% 3.63% -2.98% -19.47% 26.60%
Operating Return on Assets (OROA)		 2.45% 0.59% 0.48% 1.80% 1.86% 1.39% 1.74% 1.69% 1.49% 1.28% 1.51%
Return on Assets (ROA)		 1.15% 0.21% 0.06% 1.48% 1.52% 1.13% 1.36% 1.36% 1.18% 1.05% 1.23%
Return on Common Equity (ROCE)		 10.56% 2.18% 0.61% 13.37% 12.97% 9.62% 11.97% 13.21% 12.27% 10.55% 11.49%
Return on Equity Simple (ROE_SIMPLE)		 11.68% 2.10% 0.58% 12.62% 12.21% 9.42% 12.10% 14.25% 11.86% 10.31% 11.16%
Net Operating Profit after Tax (NOPAT)		 47 45 52 67 74 59 75 76 68 62 71
NOPAT Margin		 21.27% 29.21% 35.60% 32.83% 34.83% 27.95% 34.51% 32.49% 30.36% 28.13% 30.95%
Net Nonoperating Expense Percent (NNEP)		 0.00% 8.82% 13.18% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 39.79% 57.12% 60.03% 43.20% 43.65% 47.61% 47.41% 45.79% 50.50% 51.81% 51.55%
Operating Expenses to Revenue		 52.30% 77.57% 78.88% 56.41% 54.48% 58.07% 59.03% 57.05% 63.16% 64.40% 61.91%
Earnings before Interest and Taxes (EBIT)		 99 26 21 82 90 73 95 94 85 75 87
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 113 43 35 93 102 85 106 104 95 84 96
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.23 1.41 1.25 1.02 1.29 0.98 1.19 1.29 1.19 1.16 1.08
Price to Tangible Book Value (P/TBV)		 1.25 1.46 1.28 1.04 1.31 0.99 1.21 1.31 1.21 1.18 1.10
Price to Revenue (P/Rev)		 2.24 3.91 4.07 2.65 3.68 2.90 3.40 2.93 3.05 3.17 3.00
Price to Earnings (P/E)		 10.67 13.40 11.44 8.08 10.57 10.36 9.86 9.02 10.04 11.28 9.71
Dividend Yield		 2.43% 2.02% 2.24% 3.13% 3.79% 5.31% 2.54% 2.78% 2.77% 2.68% 2.70%
Earnings Yield		 9.37% 7.46% 8.74% 12.38% 9.46% 9.65% 10.14% 11.08% 9.96% 8.87% 10.30%
Enterprise Value to Invested Capital (EV/IC)		 0.87 0.88 0.84 0.79 0.96 0.40 0.30 0.98 0.90 0.92 0.87
Enterprise Value to Revenue (EV/Rev)		 3.19 4.80 4.64 3.61 4.59 1.84 1.19 3.78 4.00 5.37 3.94
Enterprise Value to EBITDA (EV/EBITDA)		 6.20 17.14 19.04 7.89 9.54 4.59 2.42 8.50 9.43 13.98 9.44
Enterprise Value to EBIT (EV/EBIT)		 7.07 29.15 31.26 8.99 10.77 5.35 2.70 9.38 10.46 15.64 10.36
Enterprise Value to NOPAT (EV/NOPAT)		 15.01 16.42 13.03 10.98 13.18 6.59 3.45 11.63 13.17 19.10 12.74
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.77 9.23 10.70 7.82 11.23 8.49 2.74 10.41 11.07 26.79 11.09
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.98 197.28 6.56 0.00 0.00 3.72 1.36 27.74 0.00 0.00 2.93
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.02 0.97 0.69 0.75 0.68 0.54 0.39 0.69 0.74 1.13 0.64
Long-Term Debt to Equity		 0.73 0.30 0.48 0.19 0.17 0.28 0.16 0.19 0.18 0.17 0.04
Financial Leverage		 1.13 0.99 0.82 0.72 0.71 0.61 0.46 0.53 0.72 0.94 0.88
Leverage Ratio		 9.85 10.45 9.95 9.06 8.54 8.55 8.81 9.68 10.40 10.07 9.37
Compound Leverage Factor		 6.19 25.32 32.54 9.06 8.54 8.55 8.72 9.68 10.40 10.07 9.37
Debt to Total Capital		 50.53% 49.23% 40.73% 42.77% 40.61% 35.05% 27.90% 40.74% 42.57% 53.12% 38.91%
Short-Term Debt to Total Capital		 14.59% 33.79% 12.21% 32.06% 30.76% 17.09% 16.24% 29.62% 32.49% 45.25% 36.43%
Long-Term Debt to Total Capital		 35.94% 15.45% 28.52% 10.72% 9.85% 17.96% 11.66% 11.12% 10.08% 7.87% 2.48%
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% 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% 0.00%
Common Equity to Total Capital		 49.47% 50.77% 59.27% 57.23% 59.39% 64.95% 72.10% 59.26% 57.43% 46.88% 61.09%
Debt to EBITDA		 3.61 9.60 9.18 4.26 4.06 3.99 2.24 3.53 4.48 8.04 4.23
Net Debt to EBITDA		 1.84 3.15 2.32 2.09 1.89 -2.63 -4.50 1.91 2.24 5.73 2.25
Long-Term Debt to EBITDA		 2.57 3.01 6.43 1.07 0.98 2.04 0.94 0.96 1.06 1.19 0.27
Debt to NOPAT		 8.75 9.19 6.29 5.92 5.60 5.73 3.20 4.83 6.25 10.99 5.71
Net Debt to NOPAT		 4.46 3.02 1.59 2.90 2.61 -3.77 -6.41 2.61 3.13 7.82 3.04
Long-Term Debt to NOPAT		 6.22 2.88 4.40 1.48 1.36 2.94 1.34 1.32 1.48 1.63 0.36
Noncontrolling Interest Sharing Ratio		 7.08% 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)		 175 3.77 102 -67 -12 105 189 32 -28 -221 309
Operating Cash Flow to CapEx		 493.87% 831.33% 918.51% 1,347.76% 745.96% 618.68% 1,819.17% 526.01% 1,145.33% 925.71% 719.13%
Free Cash Flow to Firm to Interest Expense		 10.95 0.17 3.67 -1.77 -0.22 2.59 9.10 1.16 -0.27 -1.63 2.72
Operating Cash Flow to Interest Expense		 4.47 3.65 2.25 2.49 1.58 1.14 4.52 3.10 0.78 0.33 0.72
Operating Cash Flow Less CapEx to Interest Expense		 3.56 3.21 2.01 2.31 1.37 0.95 4.27 2.51 0.71 0.29 0.62
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.03 0.05 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.72 1.15 1.04 1.51 1.54 1.51 1.59 1.71 1.60 1.62 1.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 805 847 796 930 1,015 970 855 900 996 1,279 1,041
Invested Capital Turnover		 0.25 0.19 0.18 0.24 0.22 0.21 0.24 0.27 0.24 0.19 0.20
Increase / (Decrease) in Invested Capital		 -129 42 -51 134 86 -46 -114 44 96 283 -238
Enterprise Value (EV)		 698 745 672 737 970 391 257 883 893 1,181 904
Market Capitalization		 490 608 590 542 778 615 736 685 681 697 689
Book Value per Share		 $28.71 $30.86 $33.55 $37.57 $42.36 $45.49 $46.24 $43.64 $48.48 $51.36 $56.85
Tangible Book Value per Share		 $28.30 $29.96 $32.78 $36.92 $41.79 $44.99 $45.78 $42.76 $47.59 $50.49 $55.99
Total Capital		 805 847 796 930 1,015 970 855 900 996 1,279 1,041
Total Debt		 407 417 324 398 412 340 239 366 424 679 405
Total Long-Term Debt		 289 131 227 100 100 174 100 100 100 101 26
Net Debt		 208 137 82 195 192 -224 -479 198 212 484 216
Capital Expenditures (CapEx)		 14 9.70 6.84 6.99 12 7.44 5.15 16 7.05 4.76 11
Net Nonoperating Expense (NNE)		 0.00 36 49 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 407 417 324 398 412 340 239 366 424 679 405
Total Depreciation and Amortization (D&A)		 14 18 14 11 12 12 11 9.68 9.31 8.95 8.51
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.33 $3.26 $3.67 $4.75 $5.18 $4.22 $5.50 $6.07 $5.65 $5.28 $6.23
Adjusted Weighted Average Basic Shares Outstanding		 13.89M 14.01M 14.11M 14.16M 14.21M 13.69M 12.89M 12.18M 11.73M 11.60M 10.96M
Adjusted Diluted Earnings per Share		 $3.28 $3.21 $3.64 $4.71 $5.14 $4.21 $5.46 $6.02 $5.61 $5.26 $6.19
Adjusted Weighted Average Diluted Shares Outstanding		 13.89M 14.01M 14.11M 14.16M 14.21M 13.69M 12.89M 12.18M 11.73M 11.60M 10.96M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 13.89M 14.01M 14.11M 14.16M 14.21M 13.69M 12.89M 12.18M 11.73M 11.60M 10.96M
Normalized Net Operating Profit after Tax (NOPAT)		 47 45 52 67 74 59 75 76 68 62 71
Normalized NOPAT Margin		 21.27% 29.21% 35.60% 32.83% 34.83% 27.95% 34.51% 32.49% 30.36% 28.13% 30.95%
Pre Tax Income Margin		 28.39% 39.84% 48.55% 40.09% 42.61% 34.45% 43.64% 40.30% 38.22% 34.36% 38.07%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.17 1.15 0.77 2.17 1.65 1.80 4.59 3.44 0.82 0.56 0.77
NOPAT to Interest Expense		 2.91 2.05 1.85 1.78 1.35 1.46 3.60 2.78 0.65 0.46 0.63
EBIT Less CapEx to Interest Expense		 5.27 0.72 0.53 1.99 1.44 1.62 4.34 2.85 0.76 0.52 0.67
NOPAT Less CapEx to Interest Expense		 2.00 1.61 1.60 1.59 1.14 1.28 3.35 2.19 0.59 0.42 0.53
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 26.43% 135.55% 471.27% 23.57% 39.47% 56.36% 25.19% 25.26% 28.44% 30.27% 26.38%
Augmented Payout Ratio		 26.43% 135.55% 471.27% 24.92% 40.62% 93.62% 77.62% 106.69% 62.84% 54.78% 89.03%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 11,597,951.00 11,467,920.00 11,328,345.00 11,189,262.00 10,963,133.00
DEI Adjusted Shares Outstanding		 - - - - - - 11,597,951.00 11,467,920.00 11,328,345.00 11,189,262.00 10,963,133.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.48 1.73 1.57 1.45 1.59
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.33% -16.97% -15.49% 1.33% 0.69% 9.20% 8.33% 4.46% 5.22% -0.21% -1.01%
EBITDA Growth		 -10.70% -36.98% -32.74% -5.86% -4.32% 8.26% 23.54% 11.42% 12.32% 7.49% 0.64%
EBIT Growth		 -11.32% -39.62% -36.13% -8.59% -0.57% 9.78% 29.45% 16.46% 9.87% 8.37% 0.21%
NOPAT Growth		 -12.43% -41.85% -34.46% -7.27% 3.85% 13.52% 27.99% 16.47% 7.65% 9.07% 1.84%
Net Income Growth		 -12.43% -41.85% -34.46% -7.27% 3.85% 13.52% 27.99% 16.47% 7.65% 9.07% 1.84%
EPS Growth		 -8.90% -40.11% -32.34% -4.61% 6.02% 16.51% 30.09% 18.62% 10.64% 13.39% 7.48%
Operating Cash Flow Growth		 -54.31% -55.29% -277.54% -0.84% 125.89% -29.16% 155.69% -9.64% -68.45% 120.98% 41.23%
Free Cash Flow Firm Growth		 -0.88% -285.70% 13.84% -304.58% -677.54% -223.62% -773.89% 139.24% 127.55% 194.61% 99.75%
Invested Capital Growth		 -7.23% 10.68% 4.28% 56.81% 58.96% 28.45% 24.96% -12.05% -8.41% -18.58% 1.57%
Revenue Q/Q Growth		 -2.36% -5.28% -0.17% 9.74% -2.97% 2.73% -0.96% 5.81% -2.26% -2.57% -1.76%
EBITDA Q/Q Growth		 -10.38% -17.28% 2.61% 23.74% -8.90% -6.40% 17.09% 11.60% -8.16% -10.43% 9.63%
EBIT Q/Q Growth		 -11.31% -19.10% 1.26% 25.82% -3.53% -10.68% 19.40% 13.19% -8.99% -11.90% 10.41%
NOPAT Q/Q Growth		 -13.32% -17.22% 1.99% 26.71% -2.93% -9.51% 15.00% 15.30% -10.28% -8.32% 7.38%
Net Income Q/Q Growth		 -13.32% -17.22% 1.99% 26.71% -2.93% -9.51% 15.00% 15.30% -10.28% -8.32% 7.38%
EPS Q/Q Growth		 -12.50% -18.05% 3.67% 28.32% -2.76% -9.93% 15.75% 17.01% -9.30% -7.69% 9.72%
Operating Cash Flow Q/Q Growth		 -82.13% 76.19% -166.36% 261.50% -59.29% -44.75% 53.28% 162.05% -85.78% 286.99% -2.04%
Free Cash Flow Firm Q/Q Growth		 -63.32% -208.84% 70.69% -1,648.44% -3.55% 39.01% 20.86% 178.51% -27.30% 109.46% -100.21%
Invested Capital Q/Q Growth		 -0.47% 28.59% -7.63% 32.63% 0.90% 3.91% -10.14% -6.65% 5.07% -7.63% 12.10%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.23% 36.01% 37.01% 41.73% 39.18% 35.70% 42.21% 44.52% 41.83% 38.45% 42.91%
EBIT Margin		 37.05% 31.65% 32.10% 36.80% 36.59% 31.81% 38.36% 41.03% 38.21% 34.55% 38.83%
Profit (Net Income) Margin		 29.09% 25.42% 25.97% 29.99% 30.00% 26.43% 30.68% 33.44% 30.69% 28.88% 31.57%
Tax Burden Percent		 78.50% 80.33% 80.91% 81.48% 81.99% 83.06% 80.00% 81.49% 80.33% 83.59% 81.30%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.50% 19.67% 19.09% 18.52% 18.01% 16.94% 20.00% 18.51% 19.67% 16.41% 18.70%
Return on Invested Capital (ROIC)		 8.46% 5.99% 6.16% 6.44% 6.43% 5.11% 6.64% 6.61% 5.97% 5.71% 6.23%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.46% 5.99% 6.16% 6.44% 6.43% 5.11% 6.64% 6.61% 5.97% 5.71% 6.23%
Return on Net Nonoperating Assets (RNNOA)		 4.59% 4.28% 3.75% 5.10% 4.84% 4.81% 5.02% 6.11% 5.34% 5.01% 5.35%
Return on Equity (ROE)		 13.04% 10.27% 9.91% 11.54% 11.28% 9.91% 11.67% 12.72% 11.31% 10.72% 11.58%
Cash Return on Invested Capital (CROIC)		 17.10% -2.98% 2.56% -38.29% -39.55% -19.47% -15.85% 18.78% 14.68% 26.60% 4.60%
Operating Return on Assets (OROA)		 1.52% 1.23% 1.19% 1.35% 1.33% 1.19% 1.46% 1.57% 1.49% 1.37% 1.52%
Return on Assets (ROA)		 1.19% 0.99% 0.96% 1.10% 1.09% 0.98% 1.17% 1.28% 1.20% 1.14% 1.24%
Return on Common Equity (ROCE)		 13.04% 10.27% 9.91% 11.54% 11.28% 9.91% 11.67% 12.72% 11.31% 10.72% 11.58%
Return on Equity Simple (ROE_SIMPLE)		 14.53% 0.00% 10.75% 10.45% 9.81% 0.00% 10.69% 10.98% 11.00% 0.00% 11.25%
Net Operating Profit after Tax (NOPAT)		 16 13 13 17 16 15 17 20 18 16 17
NOPAT Margin		 29.09% 25.42% 25.97% 29.99% 30.00% 26.43% 30.68% 33.44% 30.69% 28.88% 31.57%
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% 0.00%
SG&A Expenses to Revenue		 51.94% 55.77% 53.94% 50.52% 52.06% 50.94% 51.77% 49.25% 51.94% 53.33% 52.94%
Operating Expenses to Revenue		 65.13% 70.17% 66.68% 64.27% 61.34% 65.43% 62.27% 59.16% 62.45% 63.89% 62.85%
Earnings before Interest and Taxes (EBIT)		 20 16 17 21 20 18 21 24 22 19 21
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 23 19 19 24 22 20 24 26 24 22 24
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.05 1.19 1.12 1.13 1.09 1.16 1.05 1.08 1.10 1.08 1.09
Price to Tangible Book Value (P/TBV)		 1.07 1.21 1.14 1.15 1.11 1.18 1.06 1.10 1.11 1.10 1.11
Price to Revenue (P/Rev)		 2.38 3.05 2.96 3.00 3.11 3.17 2.87 2.98 3.02 3.00 3.03
Price to Earnings (P/E)		 7.21 10.04 10.43 10.83 11.15 11.28 9.80 9.86 9.97 9.71 9.71
Dividend Yield		 3.43% 2.77% 2.96% 2.90% 2.79% 2.68% 2.89% 2.72% 2.66% 2.70% 2.68%
Earnings Yield		 13.87% 9.96% 9.58% 9.23% 8.97% 8.87% 10.21% 10.14% 10.03% 10.30% 10.30%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.90 0.89 0.91 0.88 0.92 0.84 0.82 0.88 0.87 0.89
Enterprise Value to Revenue (EV/Rev)		 2.64 4.00 3.82 5.16 5.02 5.37 4.29 3.88 4.32 3.94 4.54
Enterprise Value to EBITDA (EV/EBITDA)		 5.85 9.43 9.57 13.21 13.02 13.98 10.80 9.59 10.52 9.44 10.82
Enterprise Value to EBIT (EV/EBIT)		 6.42 10.46 10.75 14.97 14.61 15.64 11.96 10.48 11.56 10.36 11.89
Enterprise Value to NOPAT (EV/NOPAT)		 7.99 13.17 13.45 18.65 17.98 19.10 14.66 12.85 14.25 12.74 14.57
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.31 11.07 21.17 28.99 22.45 26.79 11.17 10.74 14.24 11.09 11.84
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.49 0.00 35.46 0.00 0.00 0.00 0.00 4.08 5.73 2.93 19.49
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.46 0.74 0.63 1.14 1.01 1.13 0.87 0.72 0.78 0.64 0.84
Long-Term Debt to Equity		 0.19 0.18 0.18 0.18 0.16 0.17 0.16 0.04 0.04 0.04 0.04
Financial Leverage		 0.54 0.72 0.61 0.79 0.75 0.94 0.76 0.92 0.89 0.88 0.86
Leverage Ratio		 10.95 10.40 10.30 10.47 10.30 10.07 9.99 9.92 9.46 9.37 9.37
Compound Leverage Factor		 10.95 10.40 10.30 10.47 10.30 10.07 9.99 9.92 9.46 9.37 9.37
Debt to Total Capital		 31.33% 42.57% 38.55% 53.37% 50.27% 53.12% 46.64% 41.99% 43.85% 38.91% 45.72%
Short-Term Debt to Total Capital		 18.38% 32.49% 27.63% 45.13% 42.09% 45.25% 37.87% 39.59% 41.57% 36.43% 43.51%
Long-Term Debt to Total Capital		 12.95% 10.08% 10.92% 8.24% 8.17% 7.87% 8.76% 2.40% 2.29% 2.48% 2.21%
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% 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% 0.00%
Common Equity to Total Capital		 68.67% 57.43% 61.45% 46.63% 49.73% 46.88% 53.36% 58.01% 56.15% 61.09% 54.28%
Debt to EBITDA		 2.30 4.48 4.15 7.76 7.46 8.04 6.03 4.92 5.24 4.23 5.56
Net Debt to EBITDA		 0.57 2.24 2.15 5.54 4.95 5.73 3.58 2.23 3.16 2.25 3.61
Long-Term Debt to EBITDA		 0.95 1.06 1.18 1.20 1.21 1.19 1.13 0.28 0.27 0.27 0.27
Debt to NOPAT		 3.14 6.25 5.84 10.96 10.31 10.99 8.18 6.59 7.10 5.71 7.49
Net Debt to NOPAT		 0.78 3.13 3.01 7.82 6.83 7.82 4.86 2.99 4.28 3.04 4.86
Long-Term Debt to NOPAT		 1.30 1.48 1.65 1.69 1.68 1.63 1.54 0.38 0.37 0.36 0.36
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 76 -83 -24 -425 -440 -268 -212 167 121 254 -0.54
Operating Cash Flow to CapEx		 441.50% 1,246.84% -3,346.21% 2,921.63% 1,607.26% 717.45% 776.40% 900.73% 330.46% 645.72% 1,669.35%
Free Cash Flow to Firm to Interest Expense		 2.67 -2.65 -0.75 -12.46 -12.28 -8.12 -6.87 5.56 4.28 10.46 -0.02
Operating Cash Flow to Interest Expense		 0.27 0.44 -0.83 1.28 0.49 0.30 0.49 1.31 0.20 0.89 0.93
Operating Cash Flow Less CapEx to Interest Expense		 0.21 0.41 -0.85 1.23 0.46 0.25 0.42 1.16 0.14 0.75 0.87
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.67 1.60 1.54 1.56 1.57 1.62 1.67 1.69 1.72 1.73 1.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 774 996 920 1,220 1,231 1,279 1,149 1,073 1,127 1,041 1,167
Invested Capital Turnover		 0.29 0.24 0.24 0.21 0.21 0.19 0.22 0.20 0.19 0.20 0.20
Increase / (Decrease) in Invested Capital		 -60 96 38 442 456 283 230 -147 -103 -238 18
Enterprise Value (EV)		 617 893 817 1,108 1,080 1,181 961 879 992 904 1,038
Market Capitalization		 557 681 634 644 669 697 642 674 694 689 692
Book Value per Share		 $44.48 $48.48 $48.17 $48.79 $52.42 $51.36 $52.88 $54.27 $55.87 $56.85 $57.80
Tangible Book Value per Share		 $43.60 $47.59 $47.28 $47.91 $51.54 $50.49 $52.02 $53.41 $55.01 $55.99 $56.93
Total Capital		 774 996 920 1,220 1,231 1,279 1,149 1,073 1,127 1,041 1,167
Total Debt		 243 424 355 651 619 679 536 450 494 405 534
Total Long-Term Debt		 100 100 100 101 101 101 101 26 26 26 26
Net Debt		 60 212 183 465 410 484 319 205 298 216 346
Capital Expenditures (CapEx)		 1.78 1.11 0.81 1.49 1.10 1.36 1.93 4.36 1.69 3.35 1.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 243 424 355 651 619 679 536 450 494 405 534
Total Depreciation and Amortization (D&A)		 2.28 2.26 2.54 2.79 1.43 2.19 2.16 2.06 2.09 2.20 2.26
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.33 $1.12 $1.14 $1.46 $1.41 $1.27 $1.47 $1.73 $1.57 $1.46 $1.59
Adjusted Weighted Average Basic Shares Outstanding		 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M 11.47M 11.33M 11.19M 10.96M 10.89M
Adjusted Diluted Earnings per Share		 $1.33 $1.09 $1.13 $1.45 $1.41 $1.27 $1.47 $1.72 $1.56 $1.44 $1.58
Adjusted Weighted Average Diluted Shares Outstanding		 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M 11.47M 11.33M 11.19M 10.96M 10.89M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.80M 11.73M 11.66M 11.68M 11.67M 11.60M 11.47M 11.33M 11.19M 10.96M 10.89M
Normalized Net Operating Profit after Tax (NOPAT)		 16 13 13 17 16 15 17 20 18 16 17
Normalized NOPAT Margin		 29.09% 25.42% 25.97% 29.99% 30.00% 26.43% 30.68% 33.44% 30.69% 28.88% 31.57%
Pre Tax Income Margin		 37.05% 31.65% 32.10% 36.80% 36.59% 31.81% 38.36% 41.03% 38.21% 34.55% 38.83%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.71 0.52 0.51 0.61 0.56 0.54 0.69 0.81 0.78 0.80 0.94
NOPAT to Interest Expense		 0.56 0.42 0.41 0.50 0.46 0.45 0.56 0.66 0.63 0.67 0.77
EBIT Less CapEx to Interest Expense		 0.65 0.49 0.48 0.57 0.53 0.50 0.63 0.66 0.72 0.66 0.89
NOPAT Less CapEx to Interest Expense		 0.49 0.38 0.39 0.45 0.43 0.41 0.49 0.51 0.57 0.53 0.71
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.16% 28.44% 31.46% 31.87% 31.29% 30.27% 28.49% 27.24% 26.64% 26.38% 26.36%
Augmented Payout Ratio		 54.06% 62.84% 70.28% 67.88% 58.04% 54.78% 58.28% 60.60% 73.66% 89.03% 26.36%

Financials Breakdown Chart

Key Financial Trends

Here are key takeaways from Great Southern Bancorp's quarterly statements (covering 2022–2025, with emphasis on the latest four quarters). Numbers are in USD.

  • In Q4 2025, Consolidated Net Income / (Loss) rose to $16.28 million from $14.92 million in Q4 2024 (about +9%), and Net Income attributable to common shareholders matched at $16.28 million.
  • In Q1 2025, Net Income Continuing Operations rose to $17.16 million from $13.41 million in Q1 2024 (roughly +28%), contributing to stronger early-2025 earnings.
  • Capital base strengthened: Total Common Equity increased from about $613.3 million in Q1 2025 to about $632.9 million by Q3 2025 (roughly a $19.6 million rise), indicating improved capitalization.
  • Shareholder returns show modest growth: Cash dividends per share were $0.40 in multiple 2025 quarters and rose to $0.43 in Q3 2025, signaling ongoing distributions to shareholders.
  • Total assets remained broadly in the mid-to-high $5.7B range across 2022–2025, indicating a stable size without dramatic expansion or contraction.
  • Net interest income (the main revenue driver) hovered around roughly $49–$50 million per quarter in 2025, reflecting continued reliance on core lending and investment activities.
  • Provision for credit losses stayed modest and variable (e.g., about $0.88 million in Q4 2025; smaller adjustments in other quarters), suggesting generally stable credit quality with occasional adjustments.
  • Investing activity showed meaningful liquidity supports in some quarters (for example, Q4 2025 net cash from continuing investing activities around $127.6 million due to investing activity proceeds), helping liquidity despite financing outflows.
  • Net cash from financing activities was negative in most 2025 quarters (e.g., around -$172.1 million in Q2 2025 and -$123.9 million in Q3 2025), driven by debt repayments and share repurchases that reduced near-term liquidity.
  • Net change in cash and equivalents swung negative in several quarters, highlighting ongoing liquidity pressures despite earnings and positive operating cash flow in certain periods.
05/26/26 09:27 AM ETAI Generated. May Contain Errors.

Great Southern Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Great Southern Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Great Southern Bancorp's net income appears to be on an upward trend, with a most recent value of $70.97 million in 2025, rising from $46.50 million in 2015. The previous period was $61.81 million in 2024. Find out what analysts predict for Great Southern Bancorp in the coming months.

Over the last 10 years, Great Southern Bancorp's total revenue changed from $218.63 million in 2015 to $229.29 million in 2025, a change of 4.9%.

Great Southern Bancorp's total liabilities were at $4.96 billion at the end of 2025, a 7.8% decrease from 2024, and a 33.9% increase since 2015.

In the past 10 years, Great Southern Bancorp's cash and equivalents has ranged from $90.01 million in 2021 to $120.20 million in 2016, and is currently $109.83 million as of their latest financial filing in 2025.

Over the last 10 years, Great Southern Bancorp's book value per share changed from 28.71 in 2015 to 56.85 in 2025, a change of 98.0%.


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Financial statements for NASDAQ:GSBC last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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