Great Southern Bancorp (GSBC) Q3 Earnings and Revenues Beat Estimates
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 17 2024
0mins
Should l Buy GSBC?
Source: NASDAQ.COM
Earnings Performance: Great Southern Bancorp (GSBC) reported quarterly earnings of $1.41 per share, exceeding estimates and showing a year-over-year increase, while revenues also surpassed expectations at $54.97 million.
Market Outlook: Despite underperforming the market this year, GSBC holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market, as investors await future earnings estimate revisions and industry trends.
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Analyst Views on GSBC
Wall Street analysts forecast GSBC stock price to fall
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 63.610
Low
61.00
Averages
61.00
High
61.00
Current: 63.610
Low
61.00
Averages
61.00
High
61.00
About GSBC
Great Southern Bancorp, Inc. is a bank holding company of Great Southern Bank (the Bank). The Company conducts its business as a financial holding company. Through the Bank and subsidiaries of the Bank, the Company primarily offers a variety of banking and banking-related services. The Company operates through a single segment, banking operation. The banking operation segment is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The Bank offers a range of banking services through its 89 banking centers located in southern and central Missouri; the Kansas City, Missouri area; the St. Louis area; eastern Kansas; northwestern Arkansas; the Minneapolis area and eastern, western and central Iowa.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Great Southern Bancorp Reports $16.3M Net Income in Q4 2025, Equity Rises to $636.1M
- Net Income Growth: In Q4 2025, Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted share, significantly up from $14.9 million and $1.27 per share in the same quarter last year, reflecting sustained success in core banking operations.
- Interest Income Dynamics: Although net interest income totaled $49.2 million, down 0.7% year-over-year, effective funding cost management led to an expansion in net interest margin from 3.49% to 3.70%, demonstrating resilience in a volatile economic environment.
- Loan Quality Maintenance: At year-end 2025, net loans receivable stood at $4.36 billion, a 7.1% decline from the previous year, yet nonperforming assets accounted for only 0.15% of total assets, showcasing strong credit quality.
- Expense Control Effectiveness: Noninterest expenses for Q4 were $36 million, down 2.6% year-over-year, as the company enhanced its capital base through cost control and stock repurchase strategies, increasing stockholders' equity by $36.6 million to $636.1 million.
See More
Great Southern Bancorp Q4 EPS Beats Expectations with Slight Revenue Decline
- Earnings Beat: Great Southern Bancorp reported a Q4 GAAP EPS of $1.45, exceeding expectations by $0.11, indicating sustained profitability despite market challenges.
- Slight Revenue Decline: The quarter's revenue was $56.35 million, down 0.2% year-over-year, yet it surpassed market expectations by $1.32 million, demonstrating resilience in revenue stability.
- Improved Return on Equity: As of December 31, 2025, the annualized return on average common equity was 10.16%, significantly up from 9.76% in 2024, reflecting improved capital efficiency.
- Increased Net Interest Margin: The annualized net interest margin rose to 3.70%, compared to 3.49% a year earlier, showcasing the company's adaptability and enhanced profitability in changing interest rate environments.
See More
Great Southern Bancorp Reports Q4 2025 EPS of $1.45 and Net Income of $16.3 Million
- Earnings Growth: In Q4 2025, Great Southern Bancorp reported earnings per share of $1.45 and net income of $16.3 million, significantly up from $1.27 and $14.9 million in Q4 2024, reflecting the sustained success of the company's core banking operations.
- Asset Quality Improvement: As of December 31, 2025, non-performing assets decreased to $8.1 million, representing 0.15% of total assets, down from $9.6 million and 0.16% a year earlier, indicating effective credit quality management by the company.
- Net Interest Income Changes: The net interest income for Q4 2025 was $49.2 million, slightly down from $49.5 million in Q4 2024, primarily due to the end of accounting recognition for an interest rate swap, yet the net interest margin improved to 3.70%, showcasing successful cost control.
- Loan Portfolio Adjustment: Total net loans stood at $4.36 billion as of December 31, 2025, a 7.1% decrease from 2024, driven by significant repayments in multi-family, construction, and commercial loans, reflecting a cautious approach to loan origination.
See More
Great Southern Bancorp to Report Q4 2025 Earnings on January 21, 2026
- Earnings Release Schedule: Great Southern Bancorp plans to report preliminary Q4 2025 earnings after market close on January 21, 2026, and will host a conference call on January 22 at 2:00 PM Central Time, ensuring timely financial information for investors.
- Investor Participation: The conference call will be available live and in recorded format, with a recommendation for participants to join 10 minutes early to ensure smooth downloading and installation of necessary audio applications, enhancing the overall experience.
- Information Transparency: The company will notify the public of the earnings release through a news release and post results on its Investor Relations website, ensuring timely and transparent communication in compliance with SEC requirements.
- Business Coverage: Great Southern Bank operates 89 retail banking centers across Missouri, Iowa, Kansas, and other states, showcasing its extensive market reach and diversified financial services, which further solidifies its competitive position in the regional market.
See More
Great Southern Bancorp Declares $0.43 Quarterly Dividend for Q4 2025
- Dividend Declaration: Great Southern Bancorp's Board of Directors has declared a $0.43 per common share dividend for Q4 2025, payable on January 13, 2026, which underscores the company's ongoing profitability and commitment to shareholder returns.
- Consecutive Payment Record: This dividend marks the 144th consecutive quarterly dividend paid to common stockholders, reflecting the company's stable financial performance and long-term strategy for shareholder value creation.
- Broad Business Coverage: Great Southern Bank operates 89 retail banking centers across Missouri, Iowa, Kansas, and other states, enhancing its competitive position in the Midwest market while providing a diverse range of banking services to customers.
- Market Positioning: As a publicly traded company on the Nasdaq Global Select Market, GSBC's stable dividend policy not only attracts investor interest but also strengthens its market position within the financial services industry.
See More
Great Southern Bancorp Declares $0.43 Quarterly Dividend for Q4 2025
- Consistent Dividend Record: Great Southern Bancorp has declared a $0.43 quarterly dividend payable on January 13, 2026, to shareholders of record as of December 29, 2025, marking the 144th consecutive quarterly dividend, which underscores the company's stable profitability and commitment to shareholders.
- Shareholder Return Strategy: This dividend payment not only reflects the company's strong financial performance but also demonstrates its strategic determination to consistently return value to shareholders, thereby enhancing investor confidence in the company's future growth.
- Broad Business Coverage: Great Southern Bank operates 89 retail banking centers across Missouri, Iowa, Kansas, and other states, showcasing its market penetration in the Midwest and further solidifying its position as a regional bank.
- Market Positioning: As a Nasdaq-listed company, GSBC's stable dividends and extensive service network provide it with a favorable market position in the competitive banking industry, enabling it to attract greater investor attention and trust.
See More
Great Southern Bancorp Reports $16.3M Net Income in Q4 2025, Equity Rises to $636.1M
- Net Income Growth: In Q4 2025, Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted share, significantly up from $14.9 million and $1.27 per share in the same quarter last year, reflecting sustained success in core banking operations.
- Interest Income Dynamics: Although net interest income totaled $49.2 million, down 0.7% year-over-year, effective funding cost management led to an expansion in net interest margin from 3.49% to 3.70%, demonstrating resilience in a volatile economic environment.
- Loan Quality Maintenance: At year-end 2025, net loans receivable stood at $4.36 billion, a 7.1% decline from the previous year, yet nonperforming assets accounted for only 0.15% of total assets, showcasing strong credit quality.
- Expense Control Effectiveness: Noninterest expenses for Q4 were $36 million, down 2.6% year-over-year, as the company enhanced its capital base through cost control and stock repurchase strategies, increasing stockholders' equity by $36.6 million to $636.1 million.
See More
Great Southern Bancorp Q4 EPS Beats Expectations with Slight Revenue Decline
- Earnings Beat: Great Southern Bancorp reported a Q4 GAAP EPS of $1.45, exceeding expectations by $0.11, indicating sustained profitability despite market challenges.
- Slight Revenue Decline: The quarter's revenue was $56.35 million, down 0.2% year-over-year, yet it surpassed market expectations by $1.32 million, demonstrating resilience in revenue stability.
- Improved Return on Equity: As of December 31, 2025, the annualized return on average common equity was 10.16%, significantly up from 9.76% in 2024, reflecting improved capital efficiency.
- Increased Net Interest Margin: The annualized net interest margin rose to 3.70%, compared to 3.49% a year earlier, showcasing the company's adaptability and enhanced profitability in changing interest rate environments.
See More
Great Southern Bancorp Reports Q4 2025 EPS of $1.45 and Net Income of $16.3 Million
- Earnings Growth: In Q4 2025, Great Southern Bancorp reported earnings per share of $1.45 and net income of $16.3 million, significantly up from $1.27 and $14.9 million in Q4 2024, reflecting the sustained success of the company's core banking operations.
- Asset Quality Improvement: As of December 31, 2025, non-performing assets decreased to $8.1 million, representing 0.15% of total assets, down from $9.6 million and 0.16% a year earlier, indicating effective credit quality management by the company.
- Net Interest Income Changes: The net interest income for Q4 2025 was $49.2 million, slightly down from $49.5 million in Q4 2024, primarily due to the end of accounting recognition for an interest rate swap, yet the net interest margin improved to 3.70%, showcasing successful cost control.
- Loan Portfolio Adjustment: Total net loans stood at $4.36 billion as of December 31, 2025, a 7.1% decrease from 2024, driven by significant repayments in multi-family, construction, and commercial loans, reflecting a cautious approach to loan origination.
See More
Great Southern Bancorp to Report Q4 2025 Earnings on January 21, 2026
- Earnings Release Schedule: Great Southern Bancorp plans to report preliminary Q4 2025 earnings after market close on January 21, 2026, and will host a conference call on January 22 at 2:00 PM Central Time, ensuring timely financial information for investors.
- Investor Participation: The conference call will be available live and in recorded format, with a recommendation for participants to join 10 minutes early to ensure smooth downloading and installation of necessary audio applications, enhancing the overall experience.
- Information Transparency: The company will notify the public of the earnings release through a news release and post results on its Investor Relations website, ensuring timely and transparent communication in compliance with SEC requirements.
- Business Coverage: Great Southern Bank operates 89 retail banking centers across Missouri, Iowa, Kansas, and other states, showcasing its extensive market reach and diversified financial services, which further solidifies its competitive position in the regional market.
See More
Great Southern Bancorp Declares $0.43 Quarterly Dividend for Q4 2025
- Dividend Declaration: Great Southern Bancorp's Board of Directors has declared a $0.43 per common share dividend for Q4 2025, payable on January 13, 2026, which underscores the company's ongoing profitability and commitment to shareholder returns.
- Consecutive Payment Record: This dividend marks the 144th consecutive quarterly dividend paid to common stockholders, reflecting the company's stable financial performance and long-term strategy for shareholder value creation.
- Broad Business Coverage: Great Southern Bank operates 89 retail banking centers across Missouri, Iowa, Kansas, and other states, enhancing its competitive position in the Midwest market while providing a diverse range of banking services to customers.
- Market Positioning: As a publicly traded company on the Nasdaq Global Select Market, GSBC's stable dividend policy not only attracts investor interest but also strengthens its market position within the financial services industry.
See More
Great Southern Bancorp Declares $0.43 Quarterly Dividend for Q4 2025
- Consistent Dividend Record: Great Southern Bancorp has declared a $0.43 quarterly dividend payable on January 13, 2026, to shareholders of record as of December 29, 2025, marking the 144th consecutive quarterly dividend, which underscores the company's stable profitability and commitment to shareholders.
- Shareholder Return Strategy: This dividend payment not only reflects the company's strong financial performance but also demonstrates its strategic determination to consistently return value to shareholders, thereby enhancing investor confidence in the company's future growth.
- Broad Business Coverage: Great Southern Bank operates 89 retail banking centers across Missouri, Iowa, Kansas, and other states, showcasing its market penetration in the Midwest and further solidifying its position as a regional bank.
- Market Positioning: As a Nasdaq-listed company, GSBC's stable dividends and extensive service network provide it with a favorable market position in the competitive banking industry, enabling it to attract greater investor attention and trust.
See More
