Education
About Us
Working with TipRanks
Follow Us
Great Southern Bancorp (GSBC)
NASDAQ:GSBC
Earnings Data
Report Date
Apr 22, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.29Last Year’s EPS
1.47Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call portrayed a generally positive operational and financial position: earnings and margins improved year-over-year, asset quality and capital metrics were strong, liquidity and shareholder returns remained robust. However, meaningful headwinds persist — notably a 7.1% decline in loans, modest deposit declines, lost swap income, and uncertainty around continued elevated payoffs and loan growth. Expense pressure from technology and facilities and a modest provision for unfunded commitments were noted. Overall the positives (profitability, margin expansion, strong credit and capital, active buybacks/dividends) outweigh the negatives, though growth uncertainty is a material caveat.Company Guidance
Improved Quarterly and Annual Net Income
Q4 2025 net income of $16.3M ($1.45/diluted share) vs $14.9M ($1.27) in Q4 2024 — a year-over-year increase. Full-year 2025 net income was $71.0M ($6.19/diluted share) vs $61.8M ($5.26) in 2024, reflecting solid annual earnings growth.
Net Interest Margin Expansion
Annualized net interest margin expanded to 3.70% in Q4 2025 from 3.49% in Q4 2024 (+21 basis points) despite the loss of swap income and some lower loan balances, driven by proactive funding cost reductions and loan repricing.
Strong Asset Quality and Credit Metrics
Nonperforming assets totaled $8.1M (0.15% of assets) at year-end, with net recoveries of $22K in Q4 2025 (vs $155K net charge-offs in Q4 2024). No provision for credit losses on outstanding loans recorded for the full year 2025.
Capital and Book Value Strength
Stockholders' equity rose to $636.1M (up $36.6M year-over-year). Book value per common share $57.50. Tangible common equity increased to 11.2% from 9.9% at year-end 2024 (up ~130 bps), leaving capital well above regulatory requirements.
Active Capital Return to Shareholders
Repurchased 241,000 shares in Q4 2025 at an average $59.33 and 755,000 shares for full-year 2025 at average $58.35. Board declared a regular quarterly dividend of $0.43/share (totaling $1.66 for the year).
Controlled Expense Base and Improved Efficiency vs Prior Year
Noninterest expense for Q4 2025 was $36.0M, down ~$947K (2.6%) vs Q4 2024 (driven in part by a nonrecurring $2M prior-year charge). Efficiency ratio improved to 63.89% vs 65.43% in Q4 2024.
Ample Liquidity and Funding Access
Cash and equivalents of $189.6M at year-end and approximately $1.63B of available wholesale borrowing capacity (Home Loan Bank and Federal Reserve), supporting balance sheet flexibility.
GSBC Earnings History
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 |
|---|---|---|---|
Jan 21, 2026 | $66.97 | $66.35 | -0.93% |
Oct 15, 2025 | $61.83 | $55.29 | -10.59% |
Jul 16, 2025 | $58.37 | $61.32 | +5.05% |
Apr 16, 2025 | $51.04 | $52.85 | +3.55% |
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 Bancorp (GSBC) report earnings?
Great Southern Bancorp (GSBC) is schdueled to report earning on Apr 22, 2026, After Close (Confirmed).
What is Great Southern Bancorp (GSBC) earnings time?
Great Southern Bancorp (GSBC) earnings time is at Apr 22, 2026, 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 2026 (Q1) is 1.29.