GSBC - NASDAQ

Great Southern Bancorp, Inc.

GSBC·NASDAQ

$71.04

-2.5%

Financial ServicesBanks - Regional

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$773.85M

EPS6.2300

P/E Ratio11.40

Earnings Date07/15/2026

5.60B

Assets

-6%

3Y-1.0%

5Y+1.0%

10Y+23.0%

4.96B

Total Liabilities

-8%

3Y-4.0%

5Y+1.0%

10Y+20.0%

636.13M

Total Equity

3Y+19.0%

5Y+1.0%

10Y+48.0%

Great Southern Bancorp, Inc. Funding & Solvency Profile

GSBC · NASDAQ

Current Assets

Cash & Cash Equivalents97.97M

Net Receivables18.07M

Inventory0.00

Other Current Assets-18.07M

Total Current Assets826 M

Non-Current Assets

Property, Plant & Equipment133.26M

Goodwill & Intangible Assets9.66M

Long-Term Investments5.17B

Other Non-Current Assets-542.38M

Total Non-Current Assets5 B

Total Assets

5.60B

Financial Health Analysis

Current Ratio

2.54x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

7.80x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

500 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Great Southern Bancorp, Inc. Balance Sheet

GSBC • NASDAQ

Great Southern Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	98M	195.8M	211.3M	168.5M	717.3M	563.7M	220.2M	202.7M	242.3M	279.8M	199.2M	218.6M	227.9M	403.8M	336.5M	430M	444.6M	167.9M	80.5M	133.2M
Short-Term Investments	727.5M	0.0	478.2M	490.6M	501M	414.9M	374.2M	244M	179.2M	213.9M	262.9M	365.5M	555.3M	807M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	825.5M	195.8M	689.5M	659.1M	1.2B	978.7M	594.3M	446.7M	421.4M	493.6M	462M	584.2M	783.2M	1.2B	336.5M	430M	444.6M	167.9M	80.5M	133.2M
Net Receivables	18.1M	54.2M	50.7M	55.1M	22.7M	16.5M	0.0	20.9M	29.3M	22.8M	23M	13.4M	11.4M	12.8M	15.4M	12.6M	15.6M	13.3M	17.1M	13.6M
Accounts Receivables	18.1M	20.4M	21.2M	19.1M	10.7M	12.8M	13.5M	13.4M	12.3M	11.9M	10.9M	11.2M	11.4M	12.8M	13.8M	12.6M	15.6M	13.3M	15.4M	13.6M
Other Receivables	18.1M	33.8M	29.5M	36M	12M	3.7M	0.0	7.5M	16.9M	10.9M	12.1M	2.2M	0.0	0.0	1.5M	0.0	0.0	0.0	1.7M	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	-239.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	69.5M	45.2M	58.9M	75M	55.3M	47.1M	45.6M	59.3M	60.5M	72.9M	79.6M	85.2M	52.4M	66M	14.2M	0.0	0.0
Other Current Assets	-18.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.5B	0.0	2.4B	1.8B	1.9B	1.7B
Total Current Assets	825.5M	250M	740.2M	783.6M	1.3B	1.1B	607.9M	523M	497.8M	562.1M	544.3M	658M	867.5M	1.3B	2.8B	495M	2.8B	2B	2B	1.9B
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	133.3M	132.5M	138.6M	141.1M	132.7M	139.2M	141.9M	132.4M	138M	140.6M	129.7M	124.8M	104.5M	102.3M	84.2M	68.4M	42.4M	30M	28M	26.4M
Goodwill	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	5.4M	1.2M	1.2M	379K	379K	1.3M	1.3M	0.0	0.0	0.0	0.0
Intangible Assets	4.3M	4.7M	5.1M	5.4M	685K	1.5M	2.7M	3.9M	5.5M	7.1M	4.6M	6.3M	4.2M	5.4M	5.7M	4.1M	15.6M	13.3M	17.1M	13.6M
Goodwill & Intangible Assets	9.7M	10.1M	10.5M	10.8M	6.1M	6.9M	8.1M	9.3M	10.9M	12.5M	5.8M	7.5M	4.6M	5.8M	6.9M	5.4M	6.2M	1.7M	1.9M	1.4M
Long-Term Investments	5.2B	5.4B	4.8B	4.7B	4B	4.3B	374.2M	4B	3.7B	3.8B	3.4B	3.1B	2.4B	2.3B	877.3M	2.7B	780.6M	649M	426.4M	345.7M
Other Non-Current Assets	-542.4M	171M	132.6M	31M	8.7M	11.7M	-524.2M	20.9M	33.2M	58.8M	71.3M	107.1M	136M	196.6M	0.0	172.7M	0.0	0.0	0.0	0.0
Total Non-Current Assets	4.8B	5.7B	5.1B	4.9B	4.2B	4.5B	524.2M	4.2B	3.9B	4B	3.6B	3.3B	2.7B	2.7B	968.4M	2.9B	829.2M	680.8M	456.4M	373.5M
Other Assets	0.0	0.0	0.0	0.0	0.0	0.0	3.9B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-975K	0.0	0.0	0.0	0.0	0.0
Total Assets	5.6B	6B	5.8B	5.7B	5.4B	5.5B	5B	4.7B	4.4B	4.6B	4.1B	4B	3.6B	4B	3.8B	3.4B	3.6B	2.7B	2.4B	2.2B
LIABILITIES
CURRENT LIABILITIES
Total Payables	3.6M	12.8M	6.2M	3M	646K	2.6M	7.1M	3.6M	2.9M	2.7M	1.1M	1.1M	4.9M	26.7M	2.3M	3.8M	25.7M	9.2M	16.8M	34.6M
Accounts Payable	3.6M	12.8M	6.2M	3M	646K	2.6M	4.3M	3.6M	2.9M	2.7M	1.1M	1.1M	1.1M	1.3M	2.3M	3.8M	6.3M	9.2M	6.1M	5.8M
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	2.9M	0.0	0.0	0.0	0.0	0.0	3.8M	25.4M	0.0	0.0	19.4M	0.0	10.7M	28.8M
Accrued Expenses	0.0	0.0	76.4M	73.8M	26M	29.8M	18.9M	13M	13.4M	19.5M	24.8M	20.7M	18.5M	12.1M	12.2M	10.4M	9.4M	8.2M	0.0	0.0
Short Term Debt	379.4M	65.7M	72.5M	177.9M	138.6M	165.7M	1.3M	298M	97.1M	286M	117.5M	211.4M	186.1M	233.5M	660K	311.1M	289K	83.4M	216.7M	121M
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	2.9M	0.0	0.0	0.0	0.0	0.0	3.8M	25.4M	0.0	870K	0.0	0.0	0.0	0.0
Other Current Liabilities	-57.9M	4.6B	4.7B	4.7B	4.6B	4.5B	-27.3M	3.7B	3.6B	3.7B	3.3B	3B	2.8B	3.2B	-15.1M	2.6B	-35.4M	-100.8M	-233.5M	-155.6M
Total Current Liabilities	325.1M	4.7B	4.9B	4.9B	4.7B	4.7B	257.3M	4B	3.7B	4B	3.4B	3.2B	3B	3.4B	2.9M	2.9B	6.6M	92.6M	222.9M	126.8M
NON-CURRENT LIABILITIES
Long Term Debt	25.8M	100.7M	100.4M	100.1M	99.8M	174.2M	100.1M	99.6M	227M	130.8M	289.3M	302.6M	157.7M	157.7M	0.0	184.5M	0.0	151.4M	244.8M	204.9M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	97.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-215.3M	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	2.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	870K	19.4M	0.0	0.0	0.0
Other Non-Current Liabilities	3.2B	597.4M	263.4M	107.9M	16.2M	7.5M	371.3M	5.1M	5.3M	4.6M	4.7M	4.9M	3.7M	2.2M	0.0	1M	0.0	-151.4M	-244.8M	-204.9M
Total Non-Current Liabilities	3.2B	698.1M	363.8M	208M	115.9M	181.7M	100.1M	104.7M	232.3M	135.4M	294M	307.5M	161.4M	159.8M	215.4M	186.3M	221.9M	151.4M	244.8M	204.9M
Other Liabilities	1.4B	0.0	0.0	0.0	0.0	0.0	4.1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.2B	0.0	3.1B	2.2B	1.8B	1.7B
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	7.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	5B	5.4B	5.2B	5.1B	4.8B	4.9B	4.4B	4.1B	3.9B	4.1B	3.7B	3.5B	3.2B	3.6B	3.5B	3.1B	3.3B	2.4B	2.2B	2.1B
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	57.9M	57.9M	57.9M	57.9M	56.5M	56M	55.6M	0.0	0.0
Common Stock	111K	117K	118K	122K	131K	138K	143K	142K	141K	140K	139K	138K	137K	136K	134K	134K	2.6M	134K	134K	137K
Additional Paid-In Capital	54.1M	50.3M	44.3M	42.4M	38.3M	35M	33.5M	30.1M	28.2M	25.9M	24.4M	22.3M	19.6M	18.4M	17.2M	20.7M	20.6M	19.8M	19.3M	18.5M
Retained Earnings	614.1M	603.5M	569.9M	543.9M	545.5M	541.4M	537.2M	492.1M	442.1M	402.2M	368.1M	332.3M	300.6M	276.8M	236.9M	220M	208.6M	156.2M	170.9M	158.8M
Accumulated Other Comprehensive Income/Loss	-32.2M	-54.4M	-42.5M	-53.4M	32.8M	53.2M	32.2M	9.6M	1.2M	1.6M	5.7M	7M	2.5M	16.7M	12.4M	4.2M	11.5M	2.3M	-538K	-1.8M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.5M	-2.5M	2.5M	0.0	0.0
Total Stockholders' Equity	636.1M	599.6M	571.8M	533.1M	616.8M	629.7M	603.1M	532M	471.7M	429.8M	398.2M	419.7M	380.7M	369.9M	324.6M	304M	298.9M	234.1M	189.9M	175.6M
Total Equity	636.1M	599.6M	571.8M	533.1M	616.8M	629.7M	603.1M	532M	471.7M	429.8M	398.2M	419.7M	380.7M	369.9M	324.6M	304M	298.9M	234.1M	189.9M	175.6M
SUMMARY
Total Liabilities & Equity	5.6B	6B	5.8B	5.7B	5.4B	5.5B	5B	4.7B	4.4B	4.6B	4.1B	4B	3.6B	4B	3.8B	3.4B	3.6B	2.7B	2.4B	2.2B
Total Investments	5.2B	5.4B	5.3B	5.2B	4.5B	4.7B	748.4M	4.2B	3.9B	4B	3.6B	3.4B	3B	3.2B	877.3M	2.7B	780.6M	649M	426.4M	345.7M
Total Debt	405.2M	166.3M	172.8M	278M	238.3M	339.9M	328.2M	397.6M	324.1M	416.8M	406.8M	514M	343.8M	391.1M	216M	495.6M	202.8M	234.8M	461.5M	325.9M
Net Debt	307.2M	-29.4M	-38.5M	109.5M	-478.9M	-223.9M	108.1M	194.9M	81.8M	137M	207.6M	295.4M	115.9M	-12.7M	-120.5M	65.6M	-241.8M	66.8M	381M	192.8M
Shares Outstanding	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219	11,266,219

SEC Filings

GSBC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 15, 2026	May 13, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 16, 2026	April 15, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 31, 2026	May 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 18, 2026	March 18, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 06, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 17, 2026	February 17, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 22, 2026	January 21, 2026	2026	View Filing
8-K 8-K 2025 N/A	December 17, 2025	December 17, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 06, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 538 filings

Related Guides

Blog Categories

Continue your GSBC research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.