Inferra AI / Company / GSBC

Great Southern Bancorp, Inc.

GSBC · Financials

Last earnings Oct 22, 2026

Key results

Net incomequarter

$1.56

(the Company ) (NASDAQ:GSBC), the holding company for Great Southern Bank (the Bank ), today reported that preliminary earnings for the three months ended September 30, 2025, were $1.56 per diluted common share ($17.8 million net income) compared to $1.41 per diluted common share ($16.5 million net income) for the three months ended September 30, 2024.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

We reported net income of $17.8 million, or $1.56 per diluted common share, for the third quarter of 2025, compared to $16.5 million, or $1.41 per diluted common share, in the same period last year.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Dividendquarter

$14.0 million

The $33.4 million increase in stockholders equity from December 31, 2024, was primarily driven by $54.7 million in net income, a decrease in unrealized losses and a $4.2 million increase from stock option exercises, partially offset by $14.0 million in cash dividends declared on the Company s common stock and $30.0 million in common stock repurchases.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Inc | 5 Earnings Growth : 3 Q 25 net income increased to $ 17 .

SEC original ↗Great Southern Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2025

net income of $17.8 million in 3Q25, a 7.7% increase from $16.5 million in 3Q24.

SEC original ↗Great Southern Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2025

EPSquarter

$1.56

Earnings Per Share: Earnings per diluted common share rose to $1.56 in 3Q25 from $1.41 in 3Q24, marking a 10.6% increase.

SEC original ↗Great Southern Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2025

Key Drivers of Stockholders' Equity Growth: $54.7 million in net income.

SEC original ↗Great Southern Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 16, 2025

AI analysis

Q3 2025 · reported Oct 16, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

EPS · Q3 2025

$1.56

EX-99 · Oct 16, 2025

Net income · Q3 2025

$1.56

EX-99 · Oct 16, 2025

Dividend · Q3 2025

$14.0M

EX-99 · Oct 16, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Net income	$1.56	—	—
Dividend	$14.0 million	—	—
EPS	$1.56	—	—

EX-99 · Oct 16, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“1 million reduction in non-interest income related to retrospective hedge accounting corrections and the reclassification of AOCI associated with forecasted interest receipts determined to be probable of not occurring.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Third Quarter 2025 Key Results: Net Interest Income : Net interest income for the third quarter of 2025 increased $2.8 million (or approximately 5.8%) to $50.8 million compared to $48.0 million for the third quarter of 2024, largely driven by lower interest expense on deposit accounts and other borrowings.

Liquidity : The Company had secured borrowing line availability at the FHLBank and Federal Reserve Bank of $1.11 billion and $356.2 million, respectively, at September 30, 2025.

Company-stated claims

Oct 22, 2026

Historical · increased $240,000, or 127.0% · other

“Late charges and fees on loans : Late charges and fees on loans increased $240,000, or 127.0%, from the prior-year quarter.”

EX-99 · Oct 22, 2026

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Reports Preliminary Third Quarter Earnings of $1.56 Per Diluted Common Share Preliminary Financial Results and Business Update for the Quarter Ended September 30, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Liquidity : The Company had secured borrowing line availability at the FHLBank and Federal Reserve Bank of $1.11 billion and $356.2 million, respectively, at September 30, 2025.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

In addition, at September 30, 2025, the Company had unpledged securities with a market value totaling $369.9 million, which could be pledged as collateral for additional borrowing capacity at either the FHLBank or Federal Reserve Bank.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

The funding costs of deposits and other borrowings continued to decrease, bolstering net interest income.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

At September 30, 2025, the tangible common equity ratio was 10.9% and book value per common share was approximately $56.18 per share, reflecting the benefit of consistent earnings and opportunistic share repurchases.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

In the third quarter of 2025, we repurchased roughly 165,000 shares of our common stock, underscoring our continued commitment to long-term tangible book value per share growth.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Strategy & priorities

Turner, President and CEO of Great Southern, commented, Our third quarter results reflect continued stability in our core operations and disciplined execution of our long-term strategy to sustain profitability, protect credit quality, and enhance shareholder value.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Turner continued, Looking ahead, our priorities remain unchanged: maintaining strong capital and liquidity positions, supporting our customers, and continuing to generate value for our shareholders.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

This increase in net interest income was driven primarily by the strategic management of maturing/repricing brokered deposits and interest-bearing demand deposits to reduce interest expense.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

To mitigate exposure to the risk of fluctuations in future cash flows resulting from changes in interest rates (primarily related to falling interest rates), the Company has strategically utilized derivative financial instruments - primarily interest rate swaps - as part of its interest rate risk management strategy.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

BUSINESS INITIATIVES Technology initiatives and advancements continue with the Company s current core provider.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Risks & headwinds

However, if challenging economic conditions persist or worsen, or if management s assessment of the loan portfolio changes, additional provisions for credit losses may be required, which could adversely impact the Company s future financial performance.

SEC original ↗Great Southern Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 16, 2025

Documents

Earnings deck slides

0 decks with slide view

Great Southern Bancorp, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors