Great Southern Bancorp (GSBC)
NASDAQ:GSBC
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Earnings Data
Report Date
Jul 22, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.36Last Year’s EPS
1.72Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a generally resilient quarter: modest net income and EPS growth, an improved net interest margin, quarter-over-quarter loan growth, solid capital levels, low absolute nonperforming assets, and continued discipline on credit and funding. Offsetting these positives were a ~2% decline in net interest income (driven by a terminated swap and lower variable-rate loan income), a small decline in deposits amid competitive funding markets, some increase in NPAs (though still low), and expected incremental expense from multi-quarter IT and security projects. Management emphasized measured loan originations, expense control and capital deployment via buybacks/dividends, but also noted reliance on some sporadic nonrecurring items and ongoing uncertainty in prepayment trends.Company Guidance
Net Income and EPS Growth
Net income of $17.5M in Q1 2026, up from $17.2M a year ago (+~1.7% YoY) and up from $16.3M in Q4 2025 (+~7.4% QoQ). Diluted EPS was $1.58 versus $1.47 a year ago (+~7.5% YoY) and $1.45 in Q4 2025 (+~9.0% QoQ).
Net Interest Margin Improvement
Reported annualized NIM of 3.71% in Q1 2026, up from 3.57% in Q1 2025 (+14 bps) and roughly flat to Q4 2025 (3.70%). Management noted NIM was supported despite the loss of prior swap income and benefited from a $483k one-time unbooked interest collection.
Loan Growth
Total net loans increased by approximately $99.8M (≈+2.3% QoQ) to $4.46B, driven primarily by construction and commercial real estate lending, supported by lighter-than-usual loan repayments in the quarter.
Strong Asset Quality Metrics
Nonperforming assets were low at approximately $10.1M (≈0.18% of total assets). The bank recorded virtually no charge-offs and net recoveries of ~$13k in the quarter; no provision expense was recorded on outstanding loans.
Capital and Shareholder Returns
Total stockholders' equity of ~$633.6M (≈11.1% of assets) with book value per share of $58.27 (up from $57.50 at 12/31/25). The company repurchased 268,664 shares for $16.9M and declared a regular quarterly cash dividend of $0.43 per share; ~419k shares remain authorized for buyback.
Noninterest Income Increase
Noninterest income rose to $7.0M from $6.6M in Q1 2025 (+~6.6% YoY), driven primarily by stronger annuity commissions and sporadic loan/fee-related items (e.g., swap-related fee on a new loan).
Benefit from Negative Provision on Unfunded Commitments
Recorded a negative provision on unfunded commitments of ~$931k (benefit) in Q1 2026, larger than the -$348k recorded in Q1 2025, reflecting lower unfunded balances and mix changes.
Disciplined Expense Management (Quarterly Stability)
Noninterest expense was essentially flat at $34.8M (down ~$30k YoY). Management emphasized continued expense discipline and deferred some projects, helping near-term expense control.
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 |
|---|---|---|---|
Apr 15, 2026 | $67.58 | $66.89 | -1.02% |
Jan 21, 2026 | $66.51 | $65.89 | -0.93% |
Oct 15, 2025 | $61.40 | $54.90 | -10.59% |
Jul 16, 2025 | $57.96 | $60.89 | +5.05% |
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 Jul 22, 2026, After Close (Confirmed).
What is Great Southern Bancorp (GSBC) earnings time?
Great Southern Bancorp (GSBC) earnings time is at Jul 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 (Q2) is 1.36.