NASDAQ$GSBC

Great Southern Bancorp Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Great Southern Bancorp reported Q3 2025, revenue of $79.1M, net income of $17.8M, diluted EPS of $1.57.

For Q3 2025, Great Southern Bancorp reported revenue of $79.1M, net income of $17.8M, diluted EPS was $1.57. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $79.1M.
  • Net income $17.8M.
  • Diluted EPS $1.57.

Headline financials

Total Revenue

$57.8M

Previous: $55M+5.2%
EPS (adj)

$1.57

Previous: $1.41+11.3%
Net Interest Margin

3.7%

No prior period
Return on Avg Assets

1.2%

No prior period
Return on Avg Common Equity

11.3%

No prior period
Efficiency Ratio

62.5%

Previous: 61.3%+1.8%
ACL to Period-End Loans

1.4%

No prior period
NPA to Period-End Assets

0.1%

No prior period
Tier 1 Leverage Ratio

11.9%

Previous: 11.0%+8.2%
CET1 Capital Ratio

13.3%

Previous: 12.3%+8.1%
Total Capital Ratio

15.1%

Previous: 15.5%-2.6%
Capital Expenditures

-$8.07M

Previous: -$3.49M-131.0%
Net Income

$17.8M

Previous: $16.5M+7.7%
Operating Income

$22.1M

Previous: -$2.24M+1087.8%

Revenue & EPS history

Great Southern · Revenue · Quarterly

$57.8M

Q3 2025+5.2%vs Q3 2024
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

The release discusses Great Southern Bancorp's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Great Southern Bancorp cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

-0.0%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+1.8%

Avg return

30 days after

55%

36 / 66 earnings

Positive

+6.8%

Q1 2013

Best reaction

-11.1%

Q3 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.9%+0.0%+0.4%
Q4 2025-1.3%-9.3%-3.7%
Q3 2025-11.1%-8.0%-6.1%
Q2 2025-1.5%+0.5%+4.4%
Q1 2025+3.6%+6.3%+11.5%
Q4 2024-2.3%-2.9%-2.0%
Q3 2024-0.9%-4.6%+8.1%
Q2 2024+0.0%-1.0%-10.3%
Q1 2024+1.2%+5.1%+5.8%
Q4 2023-0.8%-2.9%-9.7%
Q3 2023-1.8%-2.7%+7.5%
Q2 2023-5.8%-4.8%-7.2%
Q1 2023+5.7%+5.9%+2.3%
Q4 2022-4.6%-3.9%+0.6%
Q3 2022-5.3%-2.3%+0.6%
Q2 2022+1.1%+3.3%+3.3%
Q1 2022+4.0%+2.2%-1.2%
Q4 2021-0.0%-0.9%+1.1%
Q3 2021+0.1%-0.2%+1.7%
Q2 2021-1.4%+0.9%+3.2%
Q1 2021+0.1%+0.4%+1.3%
Q4 2020-4.4%-2.6%+5.3%
Q3 2020+3.3%+6.4%+18.0%
Q2 2020+3.6%+1.2%+1.4%
Q1 2020-1.1%+0.9%+1.2%
Q4 2019-1.9%-5.6%-8.2%
Q3 2019+3.9%+6.7%+6.1%
Q2 2019+0.3%-1.3%-4.1%
Q1 2019+2.6%+1.5%+2.1%
Q4 2018+0.5%+5.1%+12.8%
Q3 2018+0.4%+0.7%+5.1%
Q2 2018+2.5%+4.4%+1.6%
Q1 2018+0.1%+3.3%+10.8%
Q4 2017+1.6%+0.8%-3.5%
Q3 2017-1.1%-4.2%-6.6%
Q2 2017+1.7%+1.2%-7.0%
Q1 2017+3.6%+7.9%-0.2%
Q4 2016+0.0%+1.2%+1.3%
Q3 2016+1.8%+0.1%+21.2%
Q2 2016+1.0%+0.9%+4.0%
Q1 2016+2.4%
Q4 2015+3.5%
Q3 2015+0.0%
Q2 2015+0.2%
Q1 2015+0.2%
Q4 2014-0.6%
Q3 2014-0.7%
Q2 2014+1.0%
Q1 2014+3.0%
Q4 2013-2.0%
Q3 2013-3.7%
Q2 2013+0.3%
Q1 2013+6.8%
Q4 2012-1.1%
Q3 2012+0.5%
Q2 2012-0.3%
Q1 2011-1.7%
Q1 2012+0.5%
Q4 2011+3.0%
Q4 2009+3.0%
Q3 2011-3.2%
Q3 2010-3.2%
Q4 2010-2.8%
Q2 2011-2.8%
Q2 2010-2.8%
Q1 2010+2.9%

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