The earnings call reflects a positive sentiment overall, with improved net income, a strong net interest margin, solid asset quality, effective expense management, and a robust capital position. However, challenges include a contraction in the loan portfolio, a decrease in total deposits, and a decline in noninterest income.

Company Guidance

During the second quarter of 2025, Great Southern Bancorp, Inc. reported solid financial performance with net income rising to $19.8 million, translating to $1.72 per common share, compared to $17 million or $1.45 per share in the same quarter of the previous year. The improvement was attributed to higher net interest income, which climbed to $51 million, marking an 8.9% increase from $46.8 million a year ago, driven by stable loan and investment yields and reduced funding costs. The annualized net interest margin improved to 3.68%, rising 25 basis points year-over-year. Additionally, nonperforming assets decreased to $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from the previous quarter, underscoring the company's strong credit quality. Despite a challenging operating environment, the bank maintained robust expense management, with noninterest expenses decreasing to $35 million from $36.4 million in the prior year quarter. The efficiency ratio improved to 59.16%, reflecting disciplined cost control. Total deposits saw a reduction of $73.9 million from the first quarter of 2025, primarily due to a decline in broker deposits, while total assets stood at $5.85 billion at the end of the quarter. The bank emphasized a commitment to prudent risk management and maintaining strong capital levels, with stockholders' equity increasing to $622.4 million, representing 10.6% of total assets.

Improved Net Income

Net income for the quarter was $19.8 million or $1.72 per common share, up from $17 million and $1.45 per share in the same quarter a year ago, driven by higher net interest income and unusually large tax credit partnership income.

Increase in Net Interest Margin

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

Strong Asset Quality

Nonperforming assets were $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from March 31, 2025, with no provision for credit losses on outstanding loans in the second quarter.

Effective Expense Management

Noninterest expenses for the second quarter of 2025 were $35 million, down $1.4 million from the $36.4 million in the year ago quarter, despite continued investments in infrastructure and personnel.

Strong Capital Position

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

Great Southern Bancorp (DE:GS6) 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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DE:GS6 Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	1.26 / -	1.205	―	―	―
Jul 16, 2025	2025 (Q2)	1.14 / 1.47	1.239	18.62% (+0.23)
Apr 16, 2025	2025 (Q1)	1.08 / 1.26	0.965	30.09% (+0.29)
Jan 21, 2025	2024 (Q4)	1.13 / 1.09	0.948	14.41% (+0.14)
Oct 16, 2024	2024 (Q3)	1.08 / 1.20	1.136	6.02% (+0.07)
Jul 16, 2024	2024 (Q2)	1.03 / 1.24	1.299	-4.61% (-0.06)
Apr 17, 2024	2024 (Q1)	0.89 / 0.97	1.427	-32.34% (-0.46)
Jan 22, 2024	2023 (Q4)	0.98 / 0.95	1.572	-39.67% (-0.62)
Oct 18, 2023	2023 (Q3)	1.03 / 1.14	1.247	-8.90% (-0.11)
Jul 19, 2023	2023 (Q2)	1.24 / 1.30	1.23	5.56% (+0.07)

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

DE:GS6 Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 16, 2025	€49.20	€49.60	+0.81%
Apr 16, 2025	€43.30	€49.26	+13.76%
Jan 21, 2025	€53.25	€53.74	+0.93%
Oct 16, 2024	€50.91	€51.40	+0.96%

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 (DE:GS6) report earnings?

Great Southern (DE:GS6) is schdueled to report earning on Oct 15, 2025, After Close (Confirmed).

What is Great Southern (DE:GS6) earnings time?

Great Southern (DE:GS6) 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 the P/E ratio of Great Southern stock?

The P/E ratio of Great Southern Bancorp is N/A.

What is DE:GS6 EPS forecast?

DE:GS6 EPS forecast for the fiscal quarter 2025 (Q3) is 1.26.

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