GSBC Earnings Prediction
The chart below shows how GSBC performed 10 days before and after its earnings report, based on data from the past quarters. Typically, GSBC sees a -3.90% change in stock price 10 days leading up to the earnings, and a -0.17% change 10 days following the report. On the earnings day itself, the stock moves by +0.81%. This data can give you a slight idea of what to expect for the next quarter's release.
GSBC Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
55.31M
9.23%
2.15%
Gross Margin
--
--
--
Operating Margin
32.27%
-0.43%
-10.73%
Net Margin
26.98%
3.93%
-11.40%
EPS
1.27
17.59%
-9.93%
No Data Available
GSBC Earnings Analysis
Great Southern Bancorp Inc Corporation (GSBC.O) Earnings Conference Call
Positive
Q4 Net Income Performance: Net income for Q4 2024 was $14,900,000, or $1.27 per diluted common share, reflecting a strong performance despite economic challenges.
Net Interest Income Increase: Net interest income increased by 9.7% year-over-year to $49,500,000 for Q4 2024, driven by higher loan income and effective funding cost management.
Strong Profitability Indicator: The annualized return on average common equity was 9.76% for Q4 2024, indicating strong profitability and effective capital management.
Loan Growth Overview: Total net loans increased by over $100,000,000 or 2.2% year-over-year, with significant growth in multifamily residential loans, which rose by $607,200,000.
Stockholders' Equity Increase: Stockholders' equity increased by $27,700,000 to $599,600,000 at year-end 2024, supported by net income and strategic share repurchases.
Negative
Net Income Decline: Net income for Q4 2024 was $14,900,000, a decline from the previous year's quarter, indicating a challenging financial environment.
Equity Return Decline: The annualized return on average common equity was negatively impacted by a non-recurring expense, reducing it by 103 basis points, which reflects underlying operational challenges.
Deposit Decline Challenges: Total deposits decreased by $91,900,000 from the previous quarter, highlighting difficulties in maintaining customer deposits amid competitive pressures.
Increased Net Charge-Offs: Net charge-offs for the year increased to $1,600,000, up from $1,100,000 in 2023, indicating a deterioration in credit quality.
Credit Loss Allowance Stability: The allowance for credit losses remained flat at 1.36% of total loans, suggesting potential concerns about future loan performance despite stable asset quality.
GSBC FAQs
How does GSBC typically perform around its earnings report dates?
Is Earnings call transcript: Great Southern Bancorp Q4 2024 misses EPS forecast positive or negative?
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GSBC Earning Call Sentiment
Earnings call transcript: Great Southern Bancorp Q4 2024 misses EPS forecast
GSBC.O
0.82%Positive
The earnings call reflects mixed sentiment. While there are positives like increased net interest income and strong asset quality, challenges such as rising funding costs, regulatory risks, and economic uncertainties weigh on outlook. The Q&A section reveals management's cautious stance, with no forward guidance on loan growth and unclear responses on key issues. The absence of a major catalyst and the competitive deposit market further contribute to a neutral sentiment.
