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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$886.21M+38.3%
Enterprise value$793.9M+47.9%
P/E13.2×+3.8×
P/S3.9×+1.1×

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:LongTermNotesAndLoans.

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

The allowance for credit losses is measured using an average historical loss model that incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics, including borrower type, collateral and repayment types and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily classified loans with balances greater than or equal to $100,000, are evaluated on an individual basis.

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Great Southern Bancorp's long-term debt?
Great Southern Bancorp (GSBC) reported long-term debt of $100K in Q4 2025.
What is the long-term trend for Great Southern Bancorp's long-term debt?
Over 2 years (2023 to 2025), Great Southern Bancorp's long-term debt has grown at a 0.0% compound annual growth rate (CAGR), from $100K to $100K.
What does long-term debt mean?
Bonds, term loans, notes payable, and other borrowings with maturities beyond one year — the primary long-term financing source.

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