Great Southern Bancorp Résultats passés
Passé contrôle des critères 3/6
Les bénéfices de Great Southern Bancorp ont diminué à un taux annuel moyen de -1.8%, tandis que le secteur Banks a vu ses bénéfices augmenter de en à 2.8% par an. Les revenus ont augmenté de en à un taux moyen de 0.8% par an. Le rendement des capitaux propres de Great Southern Bancorp est 11.3% et ses marges nettes sont de 31.1%.
Informations clés
-1.78%
Taux de croissance des bénéfices
2.48%
Taux de croissance du BPA
| Banks Croissance de l'industrie | 11.18% |
| Taux de croissance des recettes | 0.85% |
| Rendement des fonds propres | 11.25% |
| Marge nette | 31.10% |
| Dernière mise à jour des bénéfices | 31 Mar 2026 |
Mises à jour récentes des performances passées
Recent updates
Mise à jour du récit • May 02
GSBC: Buybacks And Stable Margins Will Shape Future Risk Reward Balance
Analysts have raised their price target on Great Southern Bancorp by $2 to $67.50, citing updated assumptions around discount rates, margin profile, and forward P/E multiples that continue to support the existing fair value estimate. Analyst Commentary Analysts updating their work on Great Southern Bancorp are basing the new $67.50 price target on refreshed views of the bank's earnings power, risk profile, and what they see as a reasonable P/E multiple for the shares.Mise à jour du récit • Apr 18
GSBC: Higher Fair Value And Buybacks Will Shape Future Risk Reward Balance
Analysts lifted the fair value estimate for Great Southern Bancorp by $4 to $67.50, citing updated assumptions around discount rates, revenue growth, profit margins, and forward P/E expectations reflected in recent Street research. Analyst Commentary Bullish analysts see the higher fair value estimate of $67.50 as better aligned with updated discount rate work and current P/E assumptions from recent Street research, rather than a stretch case.Seeking Alpha • Jul 20
Great Southern Bancorp: Strong Credit Quality But Limited Upside
Summary Great Southern Bancorp reported strong Q2 results, but much of the beat was driven by one-time items unlikely to recur, so true earnings power is lower. The bank's pristine credit quality and strong capital position are standout positives, supporting a secure 2.6% dividend and potential for buybacks. Growth prospects are limited due to muted loan demand and a slow-growth geographic footprint, constraining valuation multiples for this small community bank. GSBC is fairly valued around $62; while M&A is a possible upside risk, I rate the stock a 'hold' given limited upside beyond current levels. Read the full article on Seeking AlphaArticle d’analyse • Mar 23
Great Southern Bancorp (NASDAQ:GSBC) Will Pay A Dividend Of $0.40
Great Southern Bancorp, Inc. ( NASDAQ:GSBC ) has announced that it will pay a dividend of $0.40 per share on the 14th...
Nouveau récit • Oct 20
Credit Quality And Pipeline Strength Set To Propel Future Growth
Improved credit quality and reduced nonperforming assets should positively impact future net margins by decreasing risk and potential losses.Article d’analyse • Sep 22
Great Southern Bancorp (NASDAQ:GSBC) Has Affirmed Its Dividend Of $0.40
The board of Great Southern Bancorp, Inc. ( NASDAQ:GSBC ) has announced that it will pay a dividend of $0.40 per share...Article d’analyse • Jun 24
Great Southern Bancorp (NASDAQ:GSBC) Has Affirmed Its Dividend Of $0.40
The board of Great Southern Bancorp, Inc. ( NASDAQ:GSBC ) has announced that it will pay a dividend of $0.40 per share...Article d’analyse • May 02
It's Unlikely That The CEO Of Great Southern Bancorp, Inc. (NASDAQ:GSBC) Will See A Huge Pay Rise This Year
Key Insights Great Southern Bancorp's Annual General Meeting to take place on 8th of May Salary of US$433.5k is part of...Article d’analyse • Mar 29
Great Southern Bancorp (NASDAQ:GSBC) Is Due To Pay A Dividend Of $0.40
Great Southern Bancorp, Inc.'s ( NASDAQ:GSBC ) investors are due to receive a payment of $0.40 per share on 16th of...Article d’analyse • Jul 19
Do Great Southern Bancorp's (NASDAQ:GSBC) Earnings Warrant Your Attention?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Seeking Alpha • Oct 20
Great Southern Bancorp GAAP EPS of $1.46 misses by $0.10, revenue of $60.88M beats by $2.68M
Great Southern Bancorp press release (NASDAQ:GSBC): Q3 GAAP EPS of $1.46 misses by $0.10. Revenue of $60.88M (+11.3% Y/Y) beats by $2.68M. The company recorded a total provision expense of $3.3M in the 2022 period versus a total credit (negative expense) of $2.4M in the 2021 period. This was the most significant contributor to lower pre-tax income and net income in the 2022 period compared to the 2021 period. Total outstanding loans, excluding mortgage loans held for sale, increased $489.6M, or 12.2%, from $4.01B at December 31, 2021 to $4.50B at September 30, 2022. As of September 30, 2022, the company’s Tier 1 Leverage Ratio was 10.6%, Common Equity Tier 1 Capital Ratio was 10.4%, Tier 1 Capital Ratio was 10.8%, and Total Capital Ratio was 13.4%.Seeking Alpha • Sep 21
Great Southern Bancorp declares $0.40 dividend
Great Southern Bancorp (NASDAQ:GSBC) declared $0.40/share quarterly dividend, in line with previous. Forward yield 2.6% Payable Oct. 18; for shareholders of record Oct. 3; ex-div Sept. 30. See GSBC Dividend Scorecard, Yield Chart, & Dividend Growth.Seeking Alpha • Sep 12
Great Southern Bancorp: Continued Loan Growth To Lift Earnings
Summary Certain economic factors will drive growth in commercial real estate loans. The average earning-asset yield is quite sensitive to rate changes because of the large balance of loans tied to the LIBOR or prime rates. The December 2022 target price suggests a small upside from the current market price. Further, GSBC is offering a good dividend yield. Earnings of Great Southern Bancorp, Inc. (GSBC) will likely continue to grow this year, mostly on the back of mid-single-digit loan growth. Further, the large balance of loans indexed to LIBOR and prime rates will lead to higher interest income amid a rising rate environment. Meanwhile, provisioning for expected loan losses will remain subdued because of the portfolio's exceptional credit quality. Overall, I'm expecting Great Southern Bancorp to report earnings of $5.89 per share for 2022, up 8% year-over-year. For 2023, I'm expecting earnings to grow by a further 9% to $6.40 per share. The year-end target price suggests a small upside from the current market price. Based on the moderately-high total expected return, I'm adopting a buy rating on Great Southern Bancorp. CRE Loan Growth to Make Up for the Anticipated Slowdown in Residential Loans Great Southern Bancorp’s loan portfolio grew by a remarkable 9% during the first half of 2022, or 18% annualized. This growth was broad-based across the chief loan segments, as mentioned in the earnings release. Going forward, I'm expecting loan growth to slow down because of several factors, especially high interest rates. Great Southern Bancorp focuses on commercial and residential real estate. The bank mainly caters to customers in Missouri, Iowa, Kansas, Minnesota, Nebraska, and Arkansas. However, it operates in several other states as well. As a result, it is best to take national averages when attempting to determine future demand for the company’s loan products. Residential real estate loan growth will most probably decelerate in the second half of the year because of high interest rates. Further, real estate prices are still very high from a historical perspective despite the recent downturn. US House Price Index data by YCharts Additionally, the Mortgage Bankers Association expects mortgage purchase volume to decline this year and then grow by only a moderate 4% next year. Mortgage Bankers Association On the other hand, I'm expecting commercial real estate loan growth to remain strong. This is because the purchasing managers' index indicates that commercial activity is in an expansionary state, despite the overall GDP decline. US ISM Services PMI data by YCharts Considering these factors, I'm expecting the loan portfolio to grow by 4% annualized every quarter till the end of 2023. Historically, as well the loan portfolio has grown in the mid-single-digit range. The growth of other balance sheet items will mostly match loan growth. However, equity book value will face pressure from rising interest rates and the resultant hit to the market value of the available-for-sale securities portfolio. The unrealized mark-to-market losses will continue to flow directly into the equity account, bypassing the income statement. The equity book value has already dropped to $44.53 per share at the end of June 2022 from $46.09 at the end of June 2021 and $45.65 at the end of March 2022. The following table shows my balance sheet estimates. FY18 FY19 FY20 FY21 FY22E FY23E Financial Position Net Loans 3,989 4,154 4,297 4,008 4,449 4,630 Growth of Net Loans 7.0% 4.1% 3.4% (6.7)% 11.0% 4.1% Other Earning Assets 338 504 904 1,137 851 885 Deposits 3,725 3,960 4,517 4,552 4,607 4,794 Borrowings and Sub-Debt 398 412 340 239 426 443 Common equity 532 603 630 617 579 639 Book Value Per Share ($) 37.3 42.1 44.6 45.1 45.6 50.4 Tangible BVPS ($) 36.7 41.5 44.2 44.7 44.8 49.5 Source: SEC Filings, Author's Estimates (In USD million unless otherwise specified) Margin’s Moderate Rate-Sensitivity Attributable to the Loan Mix Around 28% of the loan portfolio is tied to 1-month or 3-month LIBOR and another 16% of the portfolio is linked to the prime rate, according to details given in the 10-Q filing. Therefore, around 44% of the loan portfolio is likely to re-price within only a few months of a rate hike. Unfortunately, Great Southern Bancorp's average deposit cost will also respond quickly and strongly to interest rate hikes because of the large balance of interest-bearing, non-maturing deposits. These deposits, namely interest-bearing demand and savings accounts, made up an overbearing 52% of total deposits at the end of June 2022. The management mentioned in the latest conference call that customers are going to start expecting increases in their rates. Considering these factors, I'm expecting the margin to grow by 10 basis points in the second half of 2022 before stabilizing in 2023. Earnings to Grow by 8% The anticipated loan growth and margin expansion will likely drive earnings this year. Meanwhile, provisioning for expected loan losses will likely remain subdued as most of Great Southern Bancorp’s loans are secured. Non-performing loans made up just 0.10% of total loans, while allowances made up 1.38% of total loans at the end of June 2022. On the other hand, non-interest expenses will likely surge this year amid a high-inflation environment, which will restrict earnings growth. Further, as mentioned in the conference call, the management expects system conversion costs to almost double due to implementation and training. The management expects these system-related costs to remain elevated until the third quarter of 2023. Overall, I'm expecting Great Southern Bancorp to report earnings of $5.89 per share for 2022, up 8% year-over-year. For 2023, I'm expecting earnings to grow by a further 9% to $6.40 per share. The following table shows my income statement estimates. FY18 FY19 FY20 FY21 FY22E FY23E Income Statement Net interest income 168 180 177 178 195 211 Provision for loan losses 7 6 16 (6) 6 9 Non-interest income 36 31 35 38 37 38 Non-interest expense 115 115 123 128 131 138 Net income - Common Sh. 67 74 59 75 75 81 EPS - Diluted ($) 4.71 5.14 4.21 5.46 5.89 6.40 Source: SEC Filings, Earnings Releases, Author's Estimates (In USD million unless otherwise specified)Seeking Alpha • Jul 21
Great Southern Bancorp GAAP EPS of $1.44, revenue of $58.15M
Great Southern Bancorp press release (NASDAQ:GSBC): Q2 GAAP EPS of $1.44. Revenue of $58.15M (+7.1% Y/Y). For the three months ended June 30, 2022 and 2021, the company's effective tax rate was 20.5% and 20.8%, respectively. The company currently expects its effective tax rate will be approximately 20.5% to 21.5% in future periods. The Bank’s allowance for credit losses as a percentage of total loans was 1.38%, 1.49% and 1.46% at June 30, 2022, December 31, 2021 and March 31, 2022, respectively.Ventilation des recettes et des dépenses
Ventilation des recettes et des dépenses
Comment Great Southern Bancorp gagne et dépense de l'argent. Sur la base des derniers bénéfices déclarés, sur une base LTM.
Historique des gains et des recettes
| Date | Recettes | Les revenus | Dépenses G+A | Dépenses de R&D |
|---|---|---|---|---|
| 31 Mar 26 | 229 | 71 | 130 | 0 |
| 31 Dec 25 | 229 | 71 | 130 | 0 |
| 30 Sep 25 | 229 | 70 | 128 | 0 |
| 30 Jun 25 | 224 | 68 | 127 | 0 |
| 31 Mar 25 | 220 | 66 | 127 | 0 |
| 31 Dec 24 | 214 | 62 | 126 | 0 |
| 30 Sep 24 | 212 | 60 | 127 | 0 |
| 30 Jun 24 | 214 | 59 | 128 | 0 |
| 31 Mar 24 | 220 | 61 | 127 | 0 |
| 31 Dec 23 | 226 | 68 | 127 | 0 |
| 30 Sep 23 | 235 | 77 | 126 | 0 |
| 30 Jun 23 | 236 | 80 | 125 | 0 |
| 31 Mar 23 | 232 | 79 | 124 | 0 |
| 31 Dec 22 | 228 | 76 | 121 | 0 |
| 30 Sep 22 | 221 | 69 | 123 | 0 |
| 30 Jun 22 | 221 | 71 | 120 | 0 |
| 31 Mar 22 | 220 | 73 | 117 | 0 |
| 31 Dec 21 | 222 | 75 | 117 | 0 |
| 30 Sep 21 | 220 | 77 | 111 | 0 |
| 30 Jun 21 | 212 | 70 | 109 | 0 |
| 31 Mar 21 | 202 | 63 | 110 | 0 |
| 31 Dec 20 | 196 | 59 | 109 | 0 |
| 30 Sep 20 | 195 | 59 | 108 | 0 |
| 30 Jun 20 | 199 | 66 | 107 | 0 |
| 31 Mar 20 | 203 | 71 | 104 | 0 |
| 31 Dec 19 | 205 | 74 | 103 | 0 |
| 30 Sep 19 | 203 | 73 | 102 | 0 |
| 30 Jun 19 | 199 | 76 | 101 | 0 |
| 31 Mar 19 | 195 | 71 | 100 | 0 |
| 31 Dec 18 | 197 | 67 | 99 | 0 |
| 30 Sep 18 | 176 | 62 | 99 | 0 |
| 30 Jun 18 | 171 | 51 | 98 | 0 |
| 31 Mar 18 | 176 | 54 | 97 | 0 |
| 31 Dec 17 | 176 | 52 | 98 | 0 |
| 30 Sep 17 | 185 | 51 | 97 | 0 |
| 30 Jun 17 | 188 | 51 | 98 | 0 |
| 31 Mar 17 | 185 | 47 | 99 | 0 |
| 31 Dec 16 | 188 | 45 | 100 | 0 |
| 30 Sep 16 | 189 | 45 | 99 | 0 |
| 30 Jun 16 | 189 | 45 | 99 | 0 |
| 31 Mar 16 | 190 | 44 | 98 | 0 |
| 31 Dec 15 | 192 | 46 | 98 | 0 |
| 30 Sep 15 | 199 | 46 | 99 | 0 |
| 30 Jun 15 | 203 | 47 | 98 | 0 |
Des revenus de qualité: GSBC a des bénéfices de haute qualité.
Augmentation de la marge bénéficiaire: Les marges bénéficiaires nettes actuelles de GSBC sont plus élevées que l'année dernière GSBC. (31.1%) sont plus élevées que l'année dernière (29.9%).
Analyse des flux de trésorerie disponibles par rapport aux bénéfices
Analyse de la croissance passée des bénéfices
Tendance des revenus: Les bénéfices de GSBC ont diminué de 1.8% par an au cours des 5 dernières années.
Accélération de la croissance: La croissance des bénéfices de GSBC au cours de l'année écoulée ( 8.7% ) dépasse sa moyenne sur 5 ans ( -1.8% par an).
Bénéfices par rapport au secteur d'activité: La croissance des bénéfices GSBC au cours de l'année écoulée ( 8.7% ) n'a pas surpassé celle du secteur Banks 22.8%.
Rendement des fonds propres
ROE élevé: Le retour sur capitaux propres de GSBC ( 11.3% ) est considéré comme faible.
Rendement des actifs
Rendement des capitaux employés
Découvrir des entreprises performantes dans le passé
Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/05/22 20:25 |
| Cours de l'action en fin de journée | 2026/05/22 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Great Southern Bancorp, Inc. est couverte par 5 analystes. 2 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Jeffrey Rulis | D.A. Davidson & Co. |
| Damon DelMonte | Keefe, Bruyette, & Woods |
| Andrew Liesch | Piper Sandler Companies |