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GSBC stock logo

GSBC

Great Southern Bancorp, Inc.

$64.08
0.43
 (0.68%)
Exchange:  NASDAQ
Market Cap:  717.008M
Shares Outstanding:  296M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Joseph William Turner
Full Time Employees:  882
Address: 
1451 East Battlefield
Springfield
MO
65804
US
Website:  https://www.greatsouthernbank.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/01/22 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue326,908355,263343,302
Gross Profit226,367216,992229,758
EBITDA94,65684,44787,297
Operating Income85,34475,49787,297
Net Income67,80061,80770,973

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets5,812,4025,981,6285,598,606
Total Liabilities5,240,5735,382,0604,962,480
Total Stockholders Equity571,829599,568636,126
Total Debt172,806166,341405,169
Cash and Cash Equivalents211,333195,75697,967

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow80,70044,0640
Capital Expenditure-7,300-4,9240
Free Cash Flow73,40039,1400
Net Income67,80061,80770,973
Net Change in Cash42,813-15,577-195,756

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)227,729Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)227,729Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)227,729Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)73,990.851Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)73,990.851Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)73,990.851Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)61,769.214Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)61,769.214Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)61,769.214Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)67,354.982Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)67,354.982Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)67,354.982Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.420Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)5.420Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)5.420Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
357.117M  ?P/S
 (TTM)
: 
2.08
?Net Income
 (TTM)
: 
61.807M  ?P/E
 (TTM)
: 
10.29
?Enterprise Value
 (TTM)
: 
1.024B  ?EV/FCF
 (TTM)
: 
15.46
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.26
?ROE
 (TTM)
: 
0.11  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
576.596M  ?Debt/Equity
 (TTM)
: 
0.64
?P/B
 (TTM)
: 
1.15  ?Current Ratio
 (TTM)
: 
2.54

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.23Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates GSBC intrinsic value between $49.14 – $58.73 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate GSBC Intrinsic Value

Common questions about GSBC valuation

Is Great Southern Bancorp, Inc. (GSBC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Great Southern Bancorp, Inc. (GSBC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is GSBC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GSBC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is GSBC’s P/E ratio?

You can see GSBC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for GSBC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is GSBC a good long-term investment?

Whether GSBC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

GSBC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

0.68
MARKETSnap

Trading Metrics:

Open: 63.19   Previous Close: 63.65
Day Low: 62.82   Day High: 64.5
Year Low: 47.57   Year High: 67.7
Price Avg 50: 62.5   Price Avg 200: 61.04
Volume: 44307   Average Volume: 68565

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See in Nexus

Relevant news

Great Southern Bancorp, Inc. (GSBC) Q4 2025 Earnings Call Transcript
22-01-2026 17:24
Great Southern Bancorp, Inc. (GSBC) Q4 2025 Earnings Call Transcript

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