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what it is
Great Southern is a regional bank that takes deposits, makes loans, and sells a few fee services across 89 branches.
how it gets paid
Last year Great Southern made $314M in revenue. loan interest income was the main engine at $220M, or 70% of sales.
why growth slowed
Revenue fell 3.4% last year. The key number was EPS of $4.74, because it was up 204% vs. prior year and shows how volatile reported bank earnings can look quarter.
what just happened
Revenue jumped to $240M and EPS hit $4.74, both up 204% vs. prior year.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
80/100 earnings predictability — you can trust these numbers
10.1x trailing p/e — the market's not buying it — or you found a deal
2.8% dividend yield — cash in your pocket every quarter
$6.31 fy2025 eps est
xvary composite: 67/100 — average
What they do
Great Southern is a regional bank that takes deposits, makes loans, and sells a few fee services across 89 branches.
This is a plain bank in a plain footprint, and that is part of the point. Great Southern runs 89 retail centers across six states and held $5.6 billion in assets at December 31, 2025. Banking moat (cheap funding from customer deposits) → low-cost money to make loans → so what: your bank can keep earning when flashier lenders pay up for cash.
How they make money
$314M
annual revenue · their business grew -3.4% last year
loan interest income
$220M
securities interest income
$38M
deposit and account fees
$24M
insurance travel and investment fees
$18M
mortgage and other banking income
$14M
The products that matter
commercial property lending
Commercial Real Estate Loans
5.83% yield · down 17 basis points
This is the core loan book for many regional banks. Here, the yield fell to 5.83% in the last quarter, which tells you pricing power is fading faster than bulls want to admit.
profit engine
home lending
Residential Mortgages
3.7% bank-wide NIM
Mortgages help fill out the loan book, but the number that matters is the bank-wide 3.7% net interest margin. That is the spread between asset yields and funding costs, and it drives earnings quality.
spread sensitive
deposit funding base
Consumer & Commercial Deposits
interest expense +90% in 5 years
Deposits are the raw material. Interest expense is up 90% over five years, which means cheap funding is not as cheap as it used to be.
cost pressure
Key numbers
10.1x
trailing p/e
You are paying 10.1 times trailing earnings for a bank with trailing EPS of $6.03. Plain English: the market expects very little drama or growth.
$5.6B
total assets
Assets are the bank's earning base. Plain English: this is the size of the machine making loans and collecting interest.
$4.4B
net loans
Loans are where the profits and the trouble both live. Plain English: if credit stays clean, earnings hold up. If not, this number bites.
2.8%
dividend yield
You get paid while you wait. Plain English: the stock throws off cash, but the real question is whether earnings keep covering it.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 85 / 100
- long-term debt $101M (13% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for GSBC right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue jumped to $240M and EPS hit $4.74, both up 204% vs. prior year.
That vs. prior year jump is too large to treat as normal banking growth, so you should read it as a noisy comparison rather than a clean new baseline. For full-year 2025, preliminary net income was $71.0 million, or $6.19 a share, up from $61.8 million, or $5.26, in 2024.
$240M
revenue
$4.74
eps
n/a
n/a
the number that mattered
The key number was EPS of $4.74, because it was up 204% vs. prior year and shows how volatile reported bank earnings can look quarter to quarter.
source: company earnings report, 2026
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What could go wrong
The top risk is net interest margin compression at a slow-growth regional bank. GSBC can handle a lot. A spread business with only 1% revenue compounding has less room for error.
med
Net interest margin compression
Loan yield fell 17 basis points to 5.83% in the last quarter, while the bank's full-year net interest margin was 3.7%. That spread is the earnings engine.
Management's own numbers imply how sensitive this is: a 25 basis point drop in net interest margin would cut annual net interest income by roughly $8M.
med
Growth that never shows up
Three-year revenue CAGR is 1%. That means the bank has not earned a growth multiple, and any valuation upside needs either better margins or faster balance-sheet growth.
If revenue stays stuck while funding costs stay high, the stock keeps looking optically cheap for a reason.
med
Funding costs stay elevated
Interest expense is up 90% over five years. Deposits still fund the business, but the cheap-deposit era did not survive higher rates.
When funding costs rise faster than asset yields, earnings pressure shows up before the headline numbers do.
GSBC does not need a crisis to disappoint you. It just needs loan yields to keep drifting down while growth stays stuck near 1%.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest margin
3.7% is the core number. If it slips again while loan yield stays below 5.83%, the cheap multiple stops looking like a bargain and starts looking accurate.
calendar
q1 2026 earnings report
Expected in April 2026. You are looking for the spread business, deposit costs, and whether the earnings beat had real follow-through.
trend
revenue growth versus earnings growth
Net income rose 15% to $71.0M, but revenue compounded at just 1% over three years. That gap does not stay wide forever.
risk
fed rate path
Regional banks live in the spread between asset yields and deposit costs. If rates shift in a way that hurts that spread, GSBC feels it fast.
Analyst rankings
earnings predictability
80 / 100
In human-speak, this bank usually reports numbers close to what you would expect. Fewer surprises. Less drama.
xvary composite
67 / 100
That lands in the middle. You get decent quality and a modest valuation, but not much evidence of a rerating catalyst yet.
source: institutional data
Institutional activity
institutional ownership data for GSBC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$64
current price
n/a
target midpoint · n/a from current
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