The earnings call for Great Southern Bancorp, Inc. reflects a generally stable financial performance with improved net income, a higher net interest margin, and strong capital position. However, challenges such as a decline in the loan portfolio, a decrease in total deposits, and reduced noninterest income were noted. The upcoming end of a beneficial interest rate swap may present future margin pressures.

Company Guidance -

Q3 2025

During the Great Southern Bancorp, Inc. Second Quarter 2025 Earnings Call, the company reported a net income of $19.8 million, or $1.72 per common share, reflecting an increase from $17 million, or $1.45 per share, in the same period last year. The net interest income rose to $51 million, representing an 8.9% increase from the previous year, while the annualized net interest margin improved to 3.68%, up by 25 basis points year-over-year and 11 basis points from the first quarter of 2025. Loan portfolio quality remained strong, with nonperforming assets at $8.1 million, or 0.14% of total assets, and net recoveries on loans of $111,000. Total deposits decreased by $73.9 million to $4.68 billion, primarily due to a reduction in broker deposits, yet increased by $78.6 million compared to December 31, 2024. Noninterest expenses were managed effectively, decreasing to $35 million, with a favorable efficiency ratio of just over 59%. The company also highlighted disciplined expense management and strategic focus on maintaining strong credit quality and shareholder value amidst a competitive market environment.

Increased Net Income

Net income for the quarter was $19.8 million or $1.72 per common share, up from $17 million or $1.45 per share in the same quarter a year ago.

Improved Net Interest Margin

Annualized net interest margin improved to 3.68%, 25 basis points above the level from a year ago and 11 basis points higher than the first quarter of 2025.

Noninterest Expense Reduction

Noninterest expenses for the quarter were $35 million, down $1.4 million from the $36.4 million in the year ago quarter.

Strong Capital Position

Total stockholders' equity increased to $622.4 million, representing 10.6% of total assets and a book value of $54.61 per common share.

Decreased Nonperforming Assets

Nonperforming assets were $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from March 31, 2025.

Great Southern Bancorp (GSBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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GSBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	1.48 / -	1.41	―	―	―
Jul 16, 2025	2025 (Q2)	1.34 / 1.72	1.45	18.62% (+0.27)	―
Apr 16, 2025	2025 (Q1)	1.27 / 1.47	1.13	30.09% (+0.34)
Jan 21, 2025	2024 (Q4)	1.32 / 1.27	1.11	14.41% (+0.16)
Oct 16, 2024	2024 (Q3)	1.26 / 1.41	1.33	6.02% (+0.08)
Jul 16, 2024	2024 (Q2)	1.21 / 1.45	1.52	-4.61% (-0.07)
Apr 17, 2024	2024 (Q1)	1.04 / 1.13	1.67	-32.34% (-0.54)
Jan 22, 2024	2023 (Q4)	1.15 / 1.11	1.84	-39.67% (-0.73)
Oct 18, 2023	2023 (Q3)	1.21 / 1.33	1.46	-8.90% (-0.13)
Jul 19, 2023	2023 (Q2)	1.46 / 1.52	1.44	5.56% (+0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GSBC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 16, 2025	$59.18	$62.17	+5.05%
Apr 16, 2025	$51.75	$53.59	+3.56%
Jan 21, 2025	$59.59	$61.14	+2.60%
Oct 16, 2024	$57.13	$56.86	-0.47%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Great Southern (GSBC) report earnings?

Great Southern (GSBC) is schdueled to report earning on Oct 15, 2025, After Close (Confirmed).

What is Great Southern (GSBC) earnings time?

Great Southern (GSBC) earnings time is at Oct 15, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is GSBC EPS forecast?

GSBC EPS forecast for the fiscal quarter 2025 (Q3) is 1.48.

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