# Great Southern Bancorp, Inc. (GSBC)

> Source: Nexqual · https://nexqual.com/GSBC · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Great Southern Bancorp, Inc. (GSBC), nexqual.com/GSBC" · informational, not investment advice.

**Price:** USD 80.93 (+2.53% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 78.93 · day 79.07–81.27 · 52w 53.76–82.91 · market cap $882M · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $226M, net income $67.3M (29.7% margin) (SEC filings).
- Valuation: P/E 13.1x (avg 10.6x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 8 Form 4 filings, $1.9M; 8 not under a Rule 10b5-1 plan ($1.9M); 1 by opportunistic insiders (1 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 3.00 on a 1–5 scale) (2 analysts), mean target USD 78 (range 76–80).
- Total return with dividends: 1Y +42.5% vs S&P 500 +13.4%; 5Y +64.4% vs S&P 500 +76.9%.
- Next earnings: 2026-10-21, EPS estimate USD 1.54, revenue estimate $57.0M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $216M | $234M | $223M | $220M | $229M | $226M |
| Net income | $74.6M | $75.9M | $67.8M | $61.8M | $71.0M | $67.3M |
| EPS (diluted) | $5.46 | $6.02 | $5.61 | $5.26 | $6.19 | — |
| Free cash flow | $88.0M | $64.7M | $73.4M | $39.1M | $70.1M | $44.7M |
| Net margin | 34.5% | 32.5% | 30.4% | 28.1% | 31.0% | 29.7% |
| Revenue growth | +1.9% | +8.1% | -4.5% | -1.6% | +4.4% | — |
| Cash + short-term investments | $717M | $169M | $211M | $196M | $190M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 13.1x · P/S 3.9x · P/FCF 19.7x · P/B 1.4x · FCF yield 5.06% · Earnings yield 7.63% · Dividend yield (paid, TTM) 2.14% · Buyback yield (TTM) 5.58%
P/E at fiscal year-ends: Dec 2025 9.9x, Dec 2024 11.4x, Dec 2023 10.6x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 8 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-17 | Brown Julie A | Director | 851 | $69K | 0.2% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-26 | Steinert Earl A Jr | Director | 4,500 | $322K | 0.5% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-18 | Turner William V | Director | 6,000 | $410K | 2.8% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-06 | Baker Kevin L |  | 2,800 | $196K | 22.3% | No | Too little history (no open-market trades in 2023) |
| 2026-05-01 | Maples Mark A |  | 2,387 | $165K | 100% | No | Too little history (no open-market trades in 2023) |
| 2026-04-30…2026-05-01 | Copeland Rex A | Treasurer | 2,950 | $202K | 10.2% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-04-30 | Turner Joseph W | President/CEO | 6,000 | $409K | 1.1% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-04-20 | Bugh John M |  | 2,500 | $169K | 27.5% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Analysts
Consensus Hold (mean 3.00 on a 1–5 scale), 2 analysts; mean target USD 78 (low 76, high 80).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-17 | Keefe, Bruyette & Woods | Target raised | Market Perform | $72 → $74 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +42.5% | +64.4% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +42.6% | +10.5% |
| Volatility (annualized) | 22.4% | 22.3% |
| Max drawdown | -11.2% (Jan 2026→Jan 2026) | -22.2% (Dec 2024→Apr 2025) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 4.07 +3.04% · FITB (Fifth Third Bancorp) USD 52.98 -0.47% · DB (Deutsche Bank AG) USD 31.2 -0.89% · TFC (Truist Financial Corporation) USD 48.44 +0.04% · NWG (NatWest Group plc) USD 16.8 -1.12% · NU (Nu Holdings Ltd.) USD 15.16 +2.92%

## More
Full page: https://nexqual.com/GSBC · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-10-22)

- "The net future earnings benefit associated with these two components is expected to be approximately $3.5 million through May 2028, including $279,000 recognized in the third quarter of 2026."
- "For our foreclosed properties, independent valuations continue to support our carrying values, and we do not anticipate losses upon their ultimate resolution." Turner further commented, "Operating discipline remained a primary focus, with non-interest expense of $36.3 million in the 2026 third quarter."
- "These securities have an expected effective duration of approximately 5 years, with many having final maturities in 2032-2033."
- "The weighted average yield on this total group of securities is expected to be approximately 4.80 - 5.00%."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $1.54 | $1.43 | +8.1% | $57.0M | 2 |
| Next quarter (ends 2027-03-31) | $1.40 | $1.35 | +3.7% | $56.1M | 1 |
| Current fiscal year (ends 2026-12-31) | $6.01 | $5.90 | +1.9% | $227.0M | 2 |
| Next fiscal year (ends 2027-12-31) | $5.93 | $5.65 | +5.0% | $228.9M | 2 |

## Options: expected move (Cboe, 15-min delayed)

| Expiration | Days | ATM IV | Expected move |
|---|---|---|---|
| 2026-12-18 | 56 | 28.9% | ±9.0% |
| 2027-03-19 | 147 | 28.4% | ±14.2% |
| 2027-06-17 | 237 | 28.0% | ±17.7% |