Great Southern Bancorp Reports Strong Q1 2026 Earnings
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
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Should l Buy GSBC?
Source: Newsfilter
- Net Income Growth: Great Southern Bancorp reported a net income of $17.5 million for Q1 2026, translating to $1.58 per diluted share, which is an increase from $17.2 million and $1.47 per share in Q1 2025, indicating enhanced profitability under disciplined execution.
- Interest Income Changes: Net interest income decreased by approximately 2% to $48.3 million year-over-year, primarily due to the conclusion of accounting recognition for an interest rate swap, yet lower interest expenses on deposits partially offset this decline, resulting in an improved net interest margin of 3.71%.
- Loan Balance Increase: As of March 31, 2026, total net loans rose by $99.8 million, or 2.3%, compared to the end of 2025, driven mainly by growth in construction and commercial real estate loans, reflecting the company's proactive stance in the lending market.
- Stable Asset Quality: Non-performing assets totaled $10.1 million, representing 0.18% of total assets, an increase from $8.1 million at the end of 2025; however, overall asset quality metrics remain strong, demonstrating effective credit risk management by the company.
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Analyst Views on GSBC
Wall Street analysts forecast GSBC stock price to fall
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 67.500
Low
61.00
Averages
61.00
High
61.00
Current: 67.500
Low
61.00
Averages
61.00
High
61.00
About GSBC
Great Southern Bancorp, Inc. is a bank holding company of Great Southern Bank (the Bank). The Company conducts its business as a financial holding company. Through the Bank and subsidiaries of the Bank, the Company primarily offers a variety of banking and banking-related services. The Company operates through a single segment, banking operation. The banking operation segment is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The Bank offers a range of banking services through its 89 banking centers located in southern and central Missouri; the Kansas City, Missouri area; the St. Louis area; eastern Kansas; northwestern Arkansas; the Minneapolis area and eastern, western and central Iowa.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Great Southern Bancorp Reports Strong Q1 2026 Earnings
- Net Income Growth: Great Southern Bancorp reported a net income of $17.5 million for Q1 2026, translating to $1.58 per diluted share, which is an increase from $17.2 million and $1.47 per share in Q1 2025, indicating enhanced profitability under disciplined execution.
- Interest Income Changes: Net interest income decreased by approximately 2% to $48.3 million year-over-year, primarily due to the conclusion of accounting recognition for an interest rate swap, yet lower interest expenses on deposits partially offset this decline, resulting in an improved net interest margin of 3.71%.
- Loan Balance Increase: As of March 31, 2026, total net loans rose by $99.8 million, or 2.3%, compared to the end of 2025, driven mainly by growth in construction and commercial real estate loans, reflecting the company's proactive stance in the lending market.
- Stable Asset Quality: Non-performing assets totaled $10.1 million, representing 0.18% of total assets, an increase from $8.1 million at the end of 2025; however, overall asset quality metrics remain strong, demonstrating effective credit risk management by the company.
See More
Great Southern (GSBC) Earnings Call Transcript
See More
Great Southern Bancorp Declares Quarterly Dividend
- Dividend Declaration: Great Southern Bancorp's Board of Directors has declared a $0.43 per common share dividend for Q1 2026, reflecting the company's ongoing profitability and commitment to shareholder returns.
- Consecutive Dividend Record: This marks the 145th consecutive quarterly dividend paid to common stockholders, demonstrating the company's stable financial performance and long-term strategy for shareholder value creation.
- Dividend Payment Schedule: The dividend will be payable on April 14, 2026, to stockholders of record on March 30, 2026, ensuring timely returns for investors and bolstering investor confidence.
- Business Coverage: Great Southern Bank operates 88 retail banking centers across Missouri, Iowa, Kansas, and other states, showcasing its extensive market penetration and diverse service capabilities.
See More
Great Southern Bancorp Reports $16.3M Net Income in Q4 2025, Equity Rises to $636.1M
- Net Income Growth: In Q4 2025, Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted share, significantly up from $14.9 million and $1.27 per share in the same quarter last year, reflecting sustained success in core banking operations.
- Interest Income Dynamics: Although net interest income totaled $49.2 million, down 0.7% year-over-year, effective funding cost management led to an expansion in net interest margin from 3.49% to 3.70%, demonstrating resilience in a volatile economic environment.
- Loan Quality Maintenance: At year-end 2025, net loans receivable stood at $4.36 billion, a 7.1% decline from the previous year, yet nonperforming assets accounted for only 0.15% of total assets, showcasing strong credit quality.
- Expense Control Effectiveness: Noninterest expenses for Q4 were $36 million, down 2.6% year-over-year, as the company enhanced its capital base through cost control and stock repurchase strategies, increasing stockholders' equity by $36.6 million to $636.1 million.
See More
Great Southern Bancorp Q4 EPS Beats Expectations with Slight Revenue Decline
- Earnings Beat: Great Southern Bancorp reported a Q4 GAAP EPS of $1.45, exceeding expectations by $0.11, indicating sustained profitability despite market challenges.
- Slight Revenue Decline: The quarter's revenue was $56.35 million, down 0.2% year-over-year, yet it surpassed market expectations by $1.32 million, demonstrating resilience in revenue stability.
- Improved Return on Equity: As of December 31, 2025, the annualized return on average common equity was 10.16%, significantly up from 9.76% in 2024, reflecting improved capital efficiency.
- Increased Net Interest Margin: The annualized net interest margin rose to 3.70%, compared to 3.49% a year earlier, showcasing the company's adaptability and enhanced profitability in changing interest rate environments.
See More
Great Southern Bancorp Reports Q4 2025 EPS of $1.45 and Net Income of $16.3 Million
- Earnings Growth: In Q4 2025, Great Southern Bancorp reported earnings per share of $1.45 and net income of $16.3 million, significantly up from $1.27 and $14.9 million in Q4 2024, reflecting the sustained success of the company's core banking operations.
- Asset Quality Improvement: As of December 31, 2025, non-performing assets decreased to $8.1 million, representing 0.15% of total assets, down from $9.6 million and 0.16% a year earlier, indicating effective credit quality management by the company.
- Net Interest Income Changes: The net interest income for Q4 2025 was $49.2 million, slightly down from $49.5 million in Q4 2024, primarily due to the end of accounting recognition for an interest rate swap, yet the net interest margin improved to 3.70%, showcasing successful cost control.
- Loan Portfolio Adjustment: Total net loans stood at $4.36 billion as of December 31, 2025, a 7.1% decrease from 2024, driven by significant repayments in multi-family, construction, and commercial loans, reflecting a cautious approach to loan origination.
See More
Great Southern Bancorp Reports Strong Q1 2026 Earnings
- Net Income Growth: Great Southern Bancorp reported a net income of $17.5 million for Q1 2026, translating to $1.58 per diluted share, which is an increase from $17.2 million and $1.47 per share in Q1 2025, indicating enhanced profitability under disciplined execution.
- Interest Income Changes: Net interest income decreased by approximately 2% to $48.3 million year-over-year, primarily due to the conclusion of accounting recognition for an interest rate swap, yet lower interest expenses on deposits partially offset this decline, resulting in an improved net interest margin of 3.71%.
- Loan Balance Increase: As of March 31, 2026, total net loans rose by $99.8 million, or 2.3%, compared to the end of 2025, driven mainly by growth in construction and commercial real estate loans, reflecting the company's proactive stance in the lending market.
- Stable Asset Quality: Non-performing assets totaled $10.1 million, representing 0.18% of total assets, an increase from $8.1 million at the end of 2025; however, overall asset quality metrics remain strong, demonstrating effective credit risk management by the company.
See More
Great Southern (GSBC) Earnings Call Transcript
See More
Great Southern Bancorp Declares Quarterly Dividend
- Dividend Declaration: Great Southern Bancorp's Board of Directors has declared a $0.43 per common share dividend for Q1 2026, reflecting the company's ongoing profitability and commitment to shareholder returns.
- Consecutive Dividend Record: This marks the 145th consecutive quarterly dividend paid to common stockholders, demonstrating the company's stable financial performance and long-term strategy for shareholder value creation.
- Dividend Payment Schedule: The dividend will be payable on April 14, 2026, to stockholders of record on March 30, 2026, ensuring timely returns for investors and bolstering investor confidence.
- Business Coverage: Great Southern Bank operates 88 retail banking centers across Missouri, Iowa, Kansas, and other states, showcasing its extensive market penetration and diverse service capabilities.
See More
Great Southern Bancorp Reports $16.3M Net Income in Q4 2025, Equity Rises to $636.1M
- Net Income Growth: In Q4 2025, Great Southern Bancorp reported net income of $16.3 million or $1.45 per diluted share, significantly up from $14.9 million and $1.27 per share in the same quarter last year, reflecting sustained success in core banking operations.
- Interest Income Dynamics: Although net interest income totaled $49.2 million, down 0.7% year-over-year, effective funding cost management led to an expansion in net interest margin from 3.49% to 3.70%, demonstrating resilience in a volatile economic environment.
- Loan Quality Maintenance: At year-end 2025, net loans receivable stood at $4.36 billion, a 7.1% decline from the previous year, yet nonperforming assets accounted for only 0.15% of total assets, showcasing strong credit quality.
- Expense Control Effectiveness: Noninterest expenses for Q4 were $36 million, down 2.6% year-over-year, as the company enhanced its capital base through cost control and stock repurchase strategies, increasing stockholders' equity by $36.6 million to $636.1 million.
See More
Great Southern Bancorp Q4 EPS Beats Expectations with Slight Revenue Decline
- Earnings Beat: Great Southern Bancorp reported a Q4 GAAP EPS of $1.45, exceeding expectations by $0.11, indicating sustained profitability despite market challenges.
- Slight Revenue Decline: The quarter's revenue was $56.35 million, down 0.2% year-over-year, yet it surpassed market expectations by $1.32 million, demonstrating resilience in revenue stability.
- Improved Return on Equity: As of December 31, 2025, the annualized return on average common equity was 10.16%, significantly up from 9.76% in 2024, reflecting improved capital efficiency.
- Increased Net Interest Margin: The annualized net interest margin rose to 3.70%, compared to 3.49% a year earlier, showcasing the company's adaptability and enhanced profitability in changing interest rate environments.
See More
Great Southern Bancorp Reports Q4 2025 EPS of $1.45 and Net Income of $16.3 Million
- Earnings Growth: In Q4 2025, Great Southern Bancorp reported earnings per share of $1.45 and net income of $16.3 million, significantly up from $1.27 and $14.9 million in Q4 2024, reflecting the sustained success of the company's core banking operations.
- Asset Quality Improvement: As of December 31, 2025, non-performing assets decreased to $8.1 million, representing 0.15% of total assets, down from $9.6 million and 0.16% a year earlier, indicating effective credit quality management by the company.
- Net Interest Income Changes: The net interest income for Q4 2025 was $49.2 million, slightly down from $49.5 million in Q4 2024, primarily due to the end of accounting recognition for an interest rate swap, yet the net interest margin improved to 3.70%, showcasing successful cost control.
- Loan Portfolio Adjustment: Total net loans stood at $4.36 billion as of December 31, 2025, a 7.1% decrease from 2024, driven by significant repayments in multi-family, construction, and commercial loans, reflecting a cautious approach to loan origination.
See More
