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Great Southern Bancorp GSBC Retail — Time Deposits

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Other financials

Income statement

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Revenue$56.9M-3.9%
Net income$15.8M-20.2%
EPS (diluted)$1.43-16.9%

Balance sheet

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Cash & equivalents$97.2M-11.6%
Total debt$4.9M-19.7%
Total equity$641.6M+3.1%
Total assets$5.5B-5.7%

Cash flow

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Operating cash flow$6.1M-84.4%
CapEx$3.4M-21.9%
Free cash flow$2.7M-92.2%

Valuation

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Market cap$877.83M+35.3%
Enterprise value$785.52M+44.1%
P/E13×+3.5×
P/S3.9×+1.0×

Profitability

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Net margin29.7%-0.5pp
FCF margin19.7%-12.4pp

Returns & leverage

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Return on equity10.6%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Great Southern Bancorp in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The source filing: Great Southern Bancorp’s 10-K, filed March 6, 2026.

Filed
Mar 6, 2026, 3:46 PM EST
Fiscal year
FY2025
Accession
0001104659-26-024659
Line itemRetailBrokeredTotal
2026$679,400$463,427$1,142,827
20276,009150,000156,009
20281,30250,00051,302
2029672672
2030343343
Thereafter713713
$688,439$663,427$1,351,866

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Great Southern Bancorp's retail — time deposits?
Great Southern Bancorp (GSBC) reported retail — time deposits of $688.44M in Q4 2025.
How has Great Southern Bancorp's retail — time deposits changed year-over-year?
Great Southern Bancorp's retail — time deposits decreased by 11.3% year-over-year, from $775.77M to $688.44M.
What does retail — time deposits mean?
The aggregate balance of all retail time deposit accounts, such as certificates of deposit, held by the bank. This represents a core source of stable, interest-bearing funding for the bank's lending activities.

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