Great Southern Bancorp, Inc. (GSBC) AI Stock Analysis

Great Southern Bancorp, Inc. is the bank holding company for Great Southern Bank, founded in 1923 and headquartered in Springfield, Missouri. It delivers financial services through a network of 93 retail banking centers and around 200 ATMs across Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas, as well as loan production offices in metropolitan areas. Deposit products include savings, checking, money market accounts, certificates of deposit, and individual retirement accounts. Its lending portfolio encompasses residential and commercial real estate loans, construction loans, commercial business loans, and asset-backed consumer loans. It also provides insurance products and merchant banking services.

Great Southern Bancorp grew revenue at a 5-year CAGR of 6.3% from FY2020 to FY2025. Annual revenue reached $355.3M in FY2024 before declining 3.4% to $343.3M in FY2025, when net income totaled $71.0M with a net margin of 20.7% and EPS of $6.12. Over the trailing twelve months, revenue stood at $226.8M with an operating margin of 34.8% and a profit margin of 29.7%. In the latest quarter ended June 30, 2026, quarterly revenue fell 4.1% year-over-year, while quarterly earnings dropped 16.9% compared to the prior-year period.

As of June 30, 2026, Great Southern Bancorp held $97.2M in cash and short-term investments against total debt of $511.2M, resulting in net debt of $414.0M. Total assets stood at $5.52B and shareholders' equity was $641.6M, yielding a debt-to-equity ratio of 0.80 and a current ratio of 0.24. In FY2025, operating cash flow was $77.7M and free cash flow reached $66.2M. Capital outlays included $11.5M in capital expenditures, alongside capital returns of $44.5M in share buybacks and $18.7M in dividends paid, contributing to a 17.6% reduction in share count over 5 years.

At a last close of $78.05, Great Southern Bancorp trades at a trailing P/E of 13.0x and a forward P/E of 12.1x, above the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its price-to-sales ratio of 3.7x also exceeds the peer group median of 3.2x, while price-to-book is 1.3x and enterprise value to revenue is 5.9x. The stock has delivered a 1-year return of 43.7% and a year-to-date return of 29.1%, outperforming the S&P 500 ETF (SPY) 1-year return of 16.8%.

Great Southern Bancorp pays a quarterly dividend with an annualized forward payout of $1.72 per share, representing a 2.20% dividend yield and a 27.9% payout ratio. The bank has paid dividends for 37 consecutive years, though its 5-year annualized dividend growth rate is -6.8%. The latest ex-dividend date was September 28, 2026.

Wall Street analyst coverage consists of 2 Hold ratings, with 0 Buy and 0 Sell ratings. The mean price target is $76.50, which sits 2.0% below the last close of $78.05. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $224.2M and EPS of $5.90, representing an expected EPS decline of 3.4%. Great Southern Bancorp beat EPS estimates in all 4 of the last 4 quarters, with its next earnings report scheduled for October 21, 2026.

This page is an AI-written research summary of Great Southern Bancorp, Inc. (GSBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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