Great Southern Bancorp, Inc. (GSBC)

Great Southern Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	200.23	189.14	193.22	199.61	177.92
Net Interest Income Growth	5.86%	-2.11%	-3.21%	12.19%	0.44%
Non-Interest Income	29.05	30.57	30.07	34.14	38.32
Non-Interest Income Growth	-4.95%	1.64%	-11.92%	-10.90%	9.07%
Revenues Before Loan Losses	229.29	219.71	223.29	233.76	216.24
Provision for Credit Losses	0.05	2.72	-3.08	6.19	-5.76
Revenue	229.24	216.99	226.37	227.57	222
Revenue Growth (YoY)	5.64%	-4.14%	-0.53%	2.51%	13.04%
Compensation Expenses	79.96	78.6	78.52	75.3	70.29
Selling, General & Admin	54.16	52.37	53.24	48.68	49.32
Other Non-Interest Expenses	7.83	10.52	9.27	9.39	8.02
Total Non-Interest Expense	141.94	141.5	141.02	133.37	127.64
Pretax Income	87.3	75.5	85.34	94.2	94.36
Provision for Income Taxes	16.32	13.69	17.54	18.25	19.74
Net Income	70.97	61.81	67.8	75.95	74.63
Net Income to Common	70.97	61.81	67.8	75.95	74.63
Net Income Growth	14.83%	-8.84%	-10.73%	1.77%	25.82%
Shares Outstanding (Basic)	11	12	12	13	14
Shares Outstanding (Diluted)	11	12	12	13	14
Shares Change (YoY)	-2.54%	-2.69%	-4.18%	-7.80%	-3.05%
EPS (Basic)	6.23	5.28	5.65	6.07	5.50
EPS (Diluted)	6.19	5.26	5.61	6.02	5.46
EPS Growth	17.68%	-6.24%	-6.81%	10.26%	29.69%
Free Cash Flow	70.06	39.14	73.4	64.74	88
Free Cash Flow Growth	78.99%	-46.68%	13.38%	-26.44%	132.66%
Free Cash Flow Per Share	6.11	3.33	6.08	5.13	6.44
Dividends Per Share	1.660	1.600	1.600	1.560	1.400
Dividend Growth	3.75%	-	2.56%	11.43%	2.94%
Profit Margin	30.96%	28.48%	29.95%	33.37%	33.62%
FCF Margin	30.56%	18.04%	32.43%	28.45%	39.64%
EBITDA	8.51	8.95	9.31	9.68	11.14
EBITDA Margin	3.71%	4.12%	4.11%	4.25%	5.02%
Effective Tax Rate	18.70%	18.13%	20.56%	19.38%	20.92%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q