Great Southern Bancorp, Inc. (GSBC) Stock

Great Southern Bancorp, Inc. (GSBC) is a Financials stock trading at $79.09 (as of 2026-08-21), with a market capitalization of $861.88M and a trailing P/E of 12.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Great Southern Bancorp, Inc. is a bank holding company for Great Southern Bank, providing deposit accounts and a variety of residential and commercial lending products, including real estate, construction, and consumer loans. It also offers insurance and merchant banking services through retail banking offices and ATMs across multiple U.S. states.

Understand Great Southern Bancorp, Inc.: how it makes money

Great Southern Bancorp, Inc. is a bank holding company, operating Great Southern Bank, offering deposit products like savings, checking, money market accounts, CDs, brokered CDs, and IRAs, and making loans across residential and commercial real estate, construction, commercial business, home improvement, and unsecured consumer lending, with earnings primarily coming from the interest spread between its loan portfolio and its funding mix.

The bank's profit model is driven by how much it can lend through its real estate and consumer-focused loan portfolio, how those loans are funded by deposit products such as core deposits and CDs, and how credit quality measures like non-performing loans and the allowance for credit losses affect credit costs.

Business quality (Solid): Good set of operating credit and funding metrics provided, but no official reportable segment revenue breakdown is included in the supplied facts.

Valuation: At 12× earnings, GSBC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Broad, asset-backed lending mix: The loan portfolio includes residential and commercial real estate and construction lending, with reported multifamily lending balance of 1.58 USD_B and commercial real estate lending balance of 1.49 USD_B.
Core funding base highlighted: Core Deposits are reported at 4.3 USD_B, which can support stable funding for the loan portfolio.

Bear case

Credit performance is a key swing factor: Non-performing assets and Non-Performing Loans as a Percentage of Period-End Loans can increase with borrower stress, and the bank maintains an allowance for credit losses (1.4% of the outstanding loan portfolio).
Construction and commitment exposure: The bank reports construction-related balances and pipelines (for example, Construction Commitments of 1.4 USD_B and Loan Commitments and Unfunded Construction Pipeline of 1.2 USD_B), which can increase sensitivity to changing conditions.
Less stable funding sources exist: Brokered Deposits are reported at 0.54 USD_B, and Uninsured Deposits Excluding Deposits of Consolidated Subsidiaries are reported at 0.74 USD_B, which can raise funding sensitivity compared with fully insured, more stable core deposit bases.

Valuation — source: SEC EDGAR (first-party)
Price	$79.09
Market Cap	$861.88M
P/E Ratio	12.8
EV / EBITDA	8.3
Price / Book	1.34
Price / Sales	2.91
FCF Yield	5.2%
DCF Value (model)	$125.71
DCF Upside vs Price	58.9%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$313.73M
Net Margin	22.6%
Revenue Growth (YoY)	-10.5%
EPS Growth (YoY)	-16.2%
FCF Growth (YoY)	-92.2%

Valuation vs Sector & Industry
Stock P/E	12.8
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-15.2%
vs Industry	-1.3%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($46.66M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Joseph William Turner
Employees	882
Country	US
IPO Date	1989-12-15

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.