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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% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 233.75 | 223.29 | 219.71 | 229.28 |
| Pretax Income | 94.20 | 85.34 | 75.50 | 87.30 |
| Tax Provision | 18.25 | 17.54 | 13.69 | 16.32 |
| Net Income | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income Common Stockholders | 75.95 | 67.80 | 61.81 | 70.97 |
| Interest Expense | 27.36 | 103.62 | 135.56 | 113.50 |
| Interest Income | 226.98 | 296.83 | 324.70 | 313.73 |
| Selling General And Administration | 81.76 | 86.46 | 86.34 | 87.34 |
| Normalized Income | 75.95 | 67.80 | 61.81 | 70.97 |
| Basic EPS | 6.07 | 5.65 | 5.28 | 6.23 |
| Diluted EPS | 6.02 | 5.61 | 5.26 | 6.19 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.19 | 0.21 | 0.18 | 0.19 |
| Net Income From Continuing Operation Net Minority Interest | 75.95 | 67.80 | 61.81 | 70.97 |
| Reconciled Depreciation | 9.68 | 9.31 | 8.95 | 8.51 |
| Net Interest Income | 199.61 | 193.22 | 189.14 | 200.23 |
| Net Income From Continuing And Discontinued Operation | 75.95 | 67.80 | 61.81 | 70.97 |
| Diluted Average Shares | 12.62 | 12.09 | 11.75 | 11.46 |
| Basic Average Shares | 12.51 | 12 | 11.71 | 11.40 |
| Diluted NI Availto Com Stockholders | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income Including Noncontrolling Interests | 75.95 | 67.80 | 61.81 | 70.97 |
| Net Income Continuous Operations | 75.95 | 67.80 | 61.81 | 70.97 |
| 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 |
| Amortization | 0.77 | 0.29 | 0.43 | 0.43 |
| Amortization Of Intangibles Income Statement | 0.77 | 0.29 | 0.43 | 0.43 |
| Selling And Marketing Expense | 3.26 | 3.40 | 3.12 | 2.93 |
| General And Administrative Expense | 78.50 | 83.06 | 83.22 | 84.41 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 3.20 | 4.54 | 4.62 | 4.45 |
| Salaries And Wages | 75.30 | 78.52 | 78.60 | 79.96 |
| Operating Revenue | 233.75 | 223.29 | 219.71 | 229.28 |
| 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 | $741M | 10.72↓ discount | 1.16 | 11.2% | - |
| Bowhead Specialty Holdings Inc. | BOW | $784M | 15.01 | 1.74 | 12.0% | 9.66 |
| First Financial Corporation | THFF | $772M | 9.55 | 1.19 | 12.2% | - |
| Velocity Financial, Inc. | VEL | $752M | 6.97 | 1.11 | 15.5% | - |
| Southern Missouri Bancorp, Inc. | SMBC |
| $751M |
| 11.80 |
| 1.34 |
| 10.8% |
| - |
| Peapack-Gladstone Financial Corporation | PGC | $737M | 16.84 | 1.10 | 5.7% | - |
| Hippo Holdings Inc. | HIPO | $735M | 12.71 | 1.66 | 13.2% | -18.50 |
| Orrstown Financial Services, Inc. | ORRF | $717M | 8.36 | 1.20 | 13.7% | - |
| SmartFinancial, Inc. | SMBK | $714M | 13.38 | 1.29 | 9.1% | - |
| Peer Median | - | 12.25 | 1.25 | 12.1% | -4.42 | |