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Great Southern Bancorp GSBC Provision Credit For Unfunded Commitments

Provision Credit For Unfunded Commitments at other companies

Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
-$650K
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
-$650K
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%

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 gsbc:ProvisionCreditForUnfundedCommitments.

The source filing: Great Southern Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 2:51 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092625
Line itemTHREE MONTHS ENDED / JUNE 30, 2026THREE MONTHS ENDED / JUNE 30, 2025
TOTAL INTEREST EXPENSE22,96830,012
NET INTEREST INCOME49,49350,963
PROVISION FOR CREDIT LOSSES ON LOANS
PROVISION (CREDIT) FOR LOSSES ON UNFUNDED COMMITMENTS8(110)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES ON LOANS AND PROVISION (CREDIT) FOR LOSSES ON UNFUNDED COMMITMENTS49,48551,073
NON-INTEREST INCOME
Commissions641411
Overdraft and insufficient funds fees1,2481,266

ITEM 1. FINANCIAL STATEMENTS.

FAQ

What is Great Southern Bancorp's provision credit for unfunded commitments?
Great Southern Bancorp (GSBC) reported provision credit for unfunded commitments of $8K in Q2 2026.
How has Great Southern Bancorp's provision credit for unfunded commitments changed year-over-year?
Great Southern Bancorp's provision credit for unfunded commitments increased by 107.3% year-over-year, from -$110K to $8K.
What is the long-term trend for Great Southern Bancorp's provision credit for unfunded commitments?
Over 4 years (2021 to 2025), Great Southern Bancorp's provision credit for unfunded commitments has grown at a -53.2% compound annual growth rate (CAGR), from $939K to $45K.
What does provision credit for unfunded commitments mean?
This metric represents adjustments to the allowance for credit losses specifically related to off-balance sheet items, such as unused lines of credit. It reflects management's assessment of potential future credit risk associated with commitments that have not yet been fully funded.

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