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Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The company's 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. Its loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $229M | - | $71M | $70M | 11.2% | 4.4% | 14.8% |
| 2024 | $220M | - | $62M | $39M | 10.3% | -1.6% | -8.8% |
| 2023 | $223M | - | $68M | $73M | 11.9% | -4.5% | -10.7% |
| 2022 | $234M | - | $76M | $65M | 14.2% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 233.76 | 223.29 | 219.71 | 229.28 |
| Operating Revenue | - | 233.76 | 223.29 | 219.71 | 229.28 |
| Selling General And Administration | - | 81.76 | 86.46 | 86.34 | 87.34 |
| Interest Income | - | 226.98 | 296.83 | 324.70 | 313.73 |
| Interest Expense | - | 27.36 | 103.62 | 135.56 | 113.50 |
| Net Interest Income | - | 199.61 | 193.22 | 189.14 | 200.23 |
| Pretax Income | - | 94.20 | 85.34 | 75.50 | 87.30 |
| Tax Provision | - | 18.25 | 17.54 | 13.69 | 16.32 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income From Continuing And Discontinued Operation | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income From Continuing Operation Net Minority Interest | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income Common Stockholders | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income Including Noncontrolling Interests | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Normalized Income | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Diluted NI Availto Com Stockholders | - | 75.95 | 67.80 | 61.81 | 70.97 |
| Basic Average Shares | - | 12.51 | 12 | 11.71 | 11.39 |
| Diluted Average Shares | - | 12.62 | 12.09 | 11.75 | 11.47 |
| Reconciled Depreciation | - | 9.68 | 9.31 | 8.95 | 8.51 |
| Gain On Sale Of Security | - | 0.19 | -0.34 | -0.06 | -0.06 |
| Depreciation Amortization Depletion Income Statement | - | 0.77 | 0.29 | 0.43 | 0.43 |
| Depreciation And Amortization In Income Statement | - | 0.77 | 0.29 | 0.43 | 0.43 |
| General And Administrative Expense | - | 78.50 | 83.06 | 83.22 | 84.41 |
| Other Gand A | 7.47 | - | - | - | - |
| Salaries And Wages | - | 75.30 | 78.52 | 78.60 | 79.96 |
| Insurance And Claims | - | 3.20 | 4.54 | 4.62 | 4.45 |
| Selling And Marketing Expense | - | 3.26 | 3.40 | 3.12 | 2.93 |
| Amortization | - | 0.77 | 0.29 | 0.43 | 0.43 |
| Amortization Of Intangibles Income Statement | - | 0.77 | 0.29 | 0.43 | 0.43 |
| Occupancy And Equipment | - | 28.47 | 30.83 | 32.12 | 35.30 |
| Professional Expense And Contract Services Expense | - | 6.33 | 7.09 | 5.40 | 4.17 |
| Other Non Interest Expense | - | 16.04 | 16.36 | 17.20 | 14.71 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Great Southern Bancorp, Inc.this co. | GSBC | $789M | 11.12↓ discount | 1.24 | 11.2% | - |
| Employers Holdings, Inc. | EIG | $811M | 75.12 | 0.85 | 1.1% | - |
| loanDepot, Inc. | LDI | $811M | -12.94 | 3.46 | -26.7% | - |
| First Community Bankshares, Inc. | FCBC | $811M | 16.61 | 1.62 | 9.7% | - |
| Bowhead Specialty Holdings Inc. | BOW |
| - |
| - |
| - |
| - |
| - |
| - |
| $801M |
| 14.90 |
| 1.78 |
| 12.0% |
| - |
| South Plains Financial, Inc. | SPFI | $786M | 13.45 | 1.59 | 11.8% | - |
| Peapack-Gladstone Financial Corporation | PGC | $778M | 20.84 | 1.18 | 5.7% | - |
| Southern Missouri Bancorp, Inc. | SMBC | $760M | 12.98 | 1.40 | 10.8% | - |
| Capital City Bank Group, Inc. | CCBG | $757M | 12.29 | 1.37 | 11.1% | - |
| Peer Median | - | 14.17 | 1.49 | 10.3% | - | |