Great Southern Bancorp, Inc. (GSBC) SEC Filings & Earnings Calls
EquiReason read 15 Great Southern Bancorp, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — EPS $1.27 vs $1.56 YoY, down 18.6%; net income $14.0M vs $17.8M; non-cash hedge adjustment of $3.5M impacted results; net interest margin stable at 3.75%; new buyback authorization.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
GSBCGreat Southern Bancorp, Inc.Follow GSBC — free
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- Market cap
- 881.9M
- P/E TTM
- 13.4
- Dividend yield
- 2.1%
- 52-week
- —
- Next earnings
- 21 Oct, in -3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
22 Oct 20268-K · 2.02EPS $1.27 vs $1.56 YoY, down 18.6%; net income $14.0M vs $17.8M; non-cash hedge adjustment of $3.5M impacted results; net interest margin stable at 3.75%; new buyback authorization of 1M shares.earningsopen
Figures in the filing · each found in the filing text
| Earnings per diluted common share · Q3-2026 | $1.27 | -19% y/y |
| Net interest income · Q3-2026 | $50M | -1% y/y |
| Net interest margin (annualized) · Q3-2026 | 3.8% | |
| Return on average common equity (annualized) · Q3-2026 | 8.7% | |
| Return on average assets (annualized) · Q3-2026 | 1.0% | |
| Efficiency ratio · Q3-2026 | 67.6% | |
| Net loans (excluding mortgage loans held for sale) · 2026-09-30 | $4.25B | |
| Non-performing assets · 2026-09-30 | $11M | |
| Book value per common share · 2026-09-30 | $56.97 |
Risks flagged
Non-performing assets increased to $10.5M from $8.1M at Dec 2025
“non-performing assets were $10.5 million (0.18% of total assets), an increase of $2.4 million from $8.1 million” · word for word
Net loans decreased 2.5% from Dec 2025 due to prepayments and lower demand
“Total net loans, excluding mortgage loans held for sale, decreased $108.4 million, or 2.5%” · word for word
16 Sep 20268-K · 8.01Great Southern Bancorp declared a $0.43 per common share dividend for Q3 2026, a routine quarterly dividend.open
Figures in the filing · each found in the filing text
| Dividend per share · Q3-2026 | $0.43 |
7 Aug 202610-QGreat Southern Bancorp reported Q2 2026 net income of $15.8M, down 20.2% YoY, impacted by $2.1M in branch consolidation costs, while net interest margin expanded 8bps to 3.76%.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · Q2-2026 | 3.8% | |
| Net income · Q2-2026 | $16M | -20% y/y |
| Total deposits · 2026-06-30 | $4.30B | |
| Loans, net of allowance for credit losses · 2026-06-30 | $4.31B | |
| Efficiency ratio · Q2-2026 | 67.2% | |
| Book value per common share · 2026-06-30 | $58.95 |
Risks flagged
Deposit attrition from branch closures
“These expense savings are expected to be partially offset by anticipated customer deposit attrition over time related to the branch closures, resulting in additional interest expense for alternative funding sources along with reduced non-interest income generated from these deposit accounts.” · word for word
Interest rate swap negative carry
“If market interest rates remain near or above their current levels, the Company's interest rate swaps will continue to have a negative impact on net interest income.” · word for word
Commercial real estate concentration
“We currently exceed thresholds defined in interagency guidance on commercial real estate concentrations, and as such, we may incur additional expense or slow the growth of certain categories of commercial real estate lending” · word for word
16 Jul 20268-K · 2.02Net income $16M (-20% y/y); Earnings per diluted common share $1.43 (-17% y/y); Net interest income $49M (-3% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · total · Q2-2026 | $16M | -20% y/y |
| Earnings per diluted common share · total · Q2-2026 | $1.43 | -17% y/y |
| Net interest income · total · Q2-2026 | $49M | -3% y/y |
| Net interest margin · total · Q2-2026 | 3.8% | |
| Efficiency ratio · total · Q2-2026 | 67.2% | |
| Non-performing assets · total · Q2-2026 | $9M | |
| Net loans · total · Q2-2026 | $4.31B | -1% y/y |
Risks flagged
Non-recurring charges from branch consolidation and workforce reductions signal cost restructuring; asset quality stable with slight increase in NPAs.
“Non-performing assets... increased $1.3 million from $8.1 million at December 31, 2025.”
17 Jun 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportSEC ↗
15 May 20268-K · 5.02, 5.07Reported the departure of a director or principal officer (CEO/CFO change); submitted matters to a vote of security holdersSEC ↗
7 May 202610-QNet Interest Margin 3.71; Net Interest Income $48M (-2% y/y); Net Income $17M (+2% y/y)open
Figures in the filing · each found in the filing text
| Net Interest Margin · Q1-2026 | 3.7% | |
| Net Interest Income · Q1-2026 | $48M | -2% y/y |
| Net Income · Q1-2026 | $17M | +2% y/y |
| Total Deposits · 2026-03-31 | $4.45B | |
| Loans Receivable, Net · 2026-03-31 | $4.46B | |
| Allowance for Credit Losses · 2026-03-31 | $65M | |
| Non-Performing Assets · 2026-03-31 | $10M | |
| Efficiency Ratio · Q1-2026 | 62.9% | |
| Book Value Per Share · 2026-03-31 | $58.27 | |
| Tangible Common Equity to Tangible Assets · 2026-03-31 | 11.0% |
Risks flagged
Multi-Family Credit Deterioration
“At March 31, 2026, the non-performing other residential (multi-family) category consisted of one loan, which was added during the three months ended March 31, 2026, and is collateralized by an apartment building in eastern Iowa. Scheduled monthly payments have not been made recently, causing the loan to become delinquent. The guarantor is involved in legal i” · word for word
Concentration in Multi-Family Special Mention Loans
“In the three months ended March 31, 2026, loans classified as 'Special Mention' increased $7.0 million, to $41.8 million, primarily due to the repurchase of one participated loan relationship after a significant payment was made by the borrower. The Company now holds the entire relationship balance of $31.5 million. This relationship is collateralized by a m” · word for word
Interest Rate Swap Negative Carry
“The Company recorded a reduction of loan interest income related to these swap transactions of $1.0 million and $1.7 million in the three months ended March 31, 2026 and 2025, respectively.” · word for word
Deposit Competition and Margin Pressure
“Competition for time deposits remains significant in our market areas, and upon maturity, a portion of these deposits may be redeemed by customers.” · word for word
16 Apr 20268-K · 2.02Net income $17M; Diluted EPS $1.58; Net interest income $48M (-2% y/y)earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $17M | |
| Diluted EPS · Q1-2026 | $1.58 | |
| Net interest income · Q1-2026 | $48M | -2% y/y |
| Net interest margin · Q1-2026 | 3.7% | |
| Return on average assets · Q1-2026 | 1.2% | |
| Return on average common equity · Q1-2026 | 10.8% | |
| Loans net · Q1-2026 | $4.46B | |
| Provision for credit losses · Q1-2026 | $-931000.00 | |
| Non-performing assets · Q1-2026 | $10M |
Risks flagged
Increase in non-performing assets and potential problem loans; credit quality deterioration.
“Non-performing assets and potential problem loans totaled $11.3 million at March 31, 2026, an increase of $1.8 million” · word for word
31 Mar 2026DEF 14AProxy statement filed for annual meeting, including election of directors, say-on-pay vote, approval of 2026 Omnibus Incentive Plan, and ratification of auditor.open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $71M | |
| Diluted Earnings Per Common Share · FY2025 | $6.19 | |
| Total Shareholder Return · FY2025 | $144.49 | |
| Peer Group Total Shareholder Return · FY2025 | $159.02 | |
| CEO Total Compensation · FY2025 | $2M | |
| Median Employee Total Compensation · FY2025 | $39474.00 | |
| CEO Bonus · FY2025 | $872970.00 | |
| CEO Base Salary · FY2025 | $461492.00 | |
| Outstanding Shares · 2026-03-03 | 10,965,711 | |
| Insider Ownership Percentage (Group) · 2026-03-03 | 29.8% |
Risks flagged
Related Party Loan Risk
“No directors, executive officers or their affiliates had aggregate indebtedness to Great Southern on below market rate loans exceeding $120,000, or a combination of outstanding indebtedness to and credit availability from Great Southern exceeding $120,000 at below market rates, at any time since January 1, 2025 except as noted below.” · word for word
Concentrated Insider Ownership
“Directors and Executive Officers as a Group (14 persons) 3,325,044 (29.75)” · word for word
CEO Pay Ratio Disclosure Risk
“the ratio of the annual total compensation of our President and CEO to the annual total compensation of our median employee was 46 to 1.” · word for word
18 Mar 20268-K · 8.01Great Southern Bancorp declared a $0.43 per common share dividend for Q1 2026.open
Figures in the filing · each found in the filing text
| Dividend per share · Q1-2026 | $0.43 |
6 Mar 202610-KFiling text contains only XBRL metadata and boilerplate regulatory language; no investment-relevant economic mechanisms, quantified metrics, or forward guidance are present.SEC ↗
17 Feb 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportSEC ↗
22 Jan 20268-K · 2.02, 7.01Earnings per diluted common share $1.45 (+14% y/y); Net income $16M (+9% y/y); Net interest margin 3.7earningsopen
Figures in the filing · each found in the filing text
| Earnings per diluted common share · Q4-2025 | $1.45 | +14% y/y |
| Net income · Q4-2025 | $16M | +9% y/y |
| Net interest margin · Q4-2025 | 3.7% | |
| Net interest income · Q4-2025 | $49M | -1% y/y |
| Non-performing assets · Q4-2025 | $8M | -16% y/y |
Risks flagged
Loan portfolio decreased due to paydowns and refinancing activity.
“Total net loans decreased $333.5M or 7.1% from Dec 2024 to Dec 2025.”
17 Dec 20258-K · 8.01Quarterly dividend per common share $0.43open
Figures in the filing · each found in the filing text
| quarterly dividend per common share · Q4-2025 | $0.43 |
6 Nov 202510-QGreat Southern Bancorp filed a 10-Q with no material financial updates; focus on economic commentary and risk factors.earningsopen
Figures in the filing · each found in the filing text
| Goodwill · 2025-09-30 | $5M | |
| Arena Naming Rights · 2025-09-30 | $4M |
Risks flagged
Commercial Real Estate Concentration
“We currently exceed thresholds defined in interagency guidance on commercial real estate concentrations, and as such, we may incur additional expense or slow the growth of certain categories of commercial real estate lending” · word for word
Interest Rate Risk
“Fluctuations in interest rates, the effects of inflation or a potential recession, whether caused by Federal Reserve actions or otherwise” · word for word
Great Southern Bancorp, Inc. — questions
- What did Great Southern Bancorp, Inc. file recently?
- 15 SEC filings in the last 12 months. Latest: 8-K on 2026-10-22 — EPS $1.27 vs $1.56 YoY, down 18.6%; net income $14.0M vs $17.8M; non-cash hedge adjustment of $3.5M impacted results; net interest margin stable at 3.75%; new buyback authorization of 1M shares.
Every figure on this page comes from Great Southern Bancorp, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.