GSBC - NASDAQ
Great Southern Bancorp, Inc.
$71.04
-2.5%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.
At a Glance
Live SnapshotGreat Southern Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Great Southern Bancorp, Inc. Cash Flow Statement
GSBC • NASDAQ
| Great Southern Bancorp, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
71M | 61.8M | 67.8M | 75.9M | 74.6M | 59.3M | 73.6M | 67.1M | 51.6M | 45.3M | 46.5M | 43.5M | 33.7M | 48.7M | 30.3M | 23.9M | 65M | -4.4M | 29.3M | 30.7M | |
0.0 | 9M | 9.3M | 9.7M | 11.1M | 12.1M | 11.6M | 11.4M | 11.9M | 13.5M | 13.9M | 12M | 16.1M | 14.2M | 9.5M | 5.7M | 3.5M | 869K | -838K | 1.5M | |
0.0 | 457K | 3M | 2.5M | 3.7M | -11.5M | 1.1M | -4.5M | 9.4M | -3.6M | -4.7M | -6.3M | -8.8M | 13.3M | -9.3M | -5.5M | 24.9M | -5.6M | 3M | -365K | |
0.0 | 1.8M | 1.6M | 1.4M | 1.2M | 1.2M | 922K | 737K | 564K | 483K | 382K | 565K | 443K | 435K | 486K | 461K | 0.0 | 0.0 | 0.0 | 0.0 | |
-6.7M | -15.6M | -17.6M | 2.9M | -6.8M | 3.7M | -4.7M | 5.7M | 8.6M | 7.5M | 12.3M | 9.7M | 59.5M | 27.9M | 74.3M | 28.9M | -847K | 45.2M | 8M | 6.2M | |
(4.3M) | (3.7M) | (7.9M) | (10.3M) | (13M) | (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) | |
13.5M | -13.3M | 16.6M | -25.9M | 1M | -18.7M | 3.9M | 13.7M | -19.1M | 16.9M | 3M | 7.9M | -7M | 42.5M | 2.8M | 31.5M | 7.5M | -244K | -11.2M | 10.4M | |
77.7M | 44.1M | 80.7M | 66.6M | 85M | 46M | 86.4M | 94.2M | 62.8M | 80.1M | 71.4M | 67.4M | 93.9M | 146.9M | 108M | 85M | 38.8M | 43M | 28M | 47.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -4.9M | -7.3M | -20.1M | -5.7M | -8.4M | -11.9M | -9.5M | -7.5M | -11M | -16.7M | -18.2M | -14.3M | -28.3M | -19.7M | -31.5M | -15.1M | -4.3M | -4M | -1.9M | |
(0.0) | (0.0) | (0.0) | (4M) | (296.4M) | -153.9M | -178.4M | -50.4M | (4M) | (26.5M) | -282.4M | (189.4M) | -112.6M | (83.1M) | (66.8M) | -26K | (265.8M) | (0.0) | -730K | -143K | |
(0.0) | -92.6M | -5.4M | -360.7M | -177.5M | -118.3M | -207.6M | -93.4M | -3.9M | -71.9M | -21.3M | -40.7M | -97M | -155.3M | -225.5M | -523.5M | -324M | -522.1M | -568.9M | -294.2M | |
0.0 | 38.8M | 34.1M | 93.5M | 72.1M | 141.3M | 88.5M | 26.4M | 36.9M | 115.9M | 120.1M | 324M | 319.4M | 261.9M | 172.8M | 526.1M | 365M | 297.4M | 486.6M | 323.3M | |
371M | -116.6M | -109.6M | -518M | 5.4M | 7.9M | 14.3M | -254.5M | 51.9M | -257.7M | 4.2M | -418.8M | 29.2M | 80M | -148.9M | 152.6M | 90.4M | 33.4M | -166.6M | -170.1M | |
(371M) | -175.4M | -88.2M | -801.3M | (190.7M) | -131.3M | -295.1M | -381.3M | (81.4M) | -198.1M | -196.2M | (35.9M) | (124.7M) | (241.4M) | -154.4M | (123.7M) | (382.1M) | -195.5M | -253.6M | -143.1M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-39.6M | -15.2M | -23.3M | -61.8M | -39.1M | -22.1M | -849K | -903K | 0.0 | 0.0 | 0.0 | -512K | 1.2M | 2.3M | -6.4M | 670K | 0.0 | -408K | -8.8M | -19.2M | |
-274.3M | 255.2M | 57M | 127.5M | -101.7M | -73.1M | 14.3M | 73.3M | -92.8M | 9.9M | -11.9M | 97.7M | -43.4M | -89.2M | -72.9M | -95.3M | -79.5M | -11.5M | 135.5M | -29.1M | |
-18.7M | -18.7M | -19.3M | -19.2M | -18.8M | -33.4M | -29.1M | -15.8M | -12.9M | -12.2M | -12.3M | -11.3M | -8M | -13M | -12.2M | -12.6M | -12.4M | -9.6M | -9M | -7.9M | |
-44.5M | -15.2M | -23.3M | -61.8M | -39.1M | -22.1M | -849K | -903K | (0.0) | (0.0) | -61.8M | -512K | (0.0) | (0.0) | -58M | (0.0) | (0.0) | -408K | -8.8M | (0.0) | |
-122.2M | -105.6M | 35.9M | 139.5M | 37.5M | 557.5M | 241.7M | 191M | -76M | 201M | 129.5M | -198.5M | -344.7M | -264.5M | 88.3M | -116.1M | -52.3M | 152.9M | 55.3M | 142.6M | |
-454.9M | 115.8M | 50.3M | 186M | -122.2M | 428.9M | 226.1M | 247.6M | -181.7M | 198.7M | 105.3M | -112.6M | -394.8M | -364.4M | -3.3M | -223.3M | -144.2M | 239.8M | 173M | 111.4M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-6.2M | -15.6M | 42.8M | -548.7M | 153.5M | 343.6M | 17.4M | -39.5M | -37.5M | 80.6M | -19.5M | -9.3M | -176.2M | 23.9M | -49.7M | -14.6M | 276.7M | 87.4M | -52.6M | 15.4M | |
195.8M | 211.3M | 168.5M | 717.3M | 563.7M | 220.2M | 202.7M | 242.3M | 279.8M | 199.2M | 218.6M | 227.9M | 404.1M | 380.2M | 430M | 444.6M | 167.9M | 80.5M | 133.2M | 117.7M | |
189.6M | 195.8M | 211.3M | 168.5M | 717.3M | 563.7M | 220.2M | 202.7M | 242.3M | 279.8M | 199.2M | 218.6M | 227.9M | 404.1M | 380.2M | 430M | 444.6M | 167.9M | 80.5M | 133.2M | |
66.2M | 39.1M | 73.4M | 46.5M | 79.2M | 37.7M | 74.5M | 84.7M | 55.3M | 69M | 54.7M | 49.3M | 79.6M | 118.6M | 88.3M | 53.4M | 23.6M | 38.8M | 24M | 45.2M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 16, 2026 | April 15, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 31, 2026 | May 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 18, 2026 | March 18, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 17, 2026 | February 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 21, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 17, 2025 | December 17, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 |
Related Guides
Continue your GSBC research with focused valuation guides.
Research Paths
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.