GSBC · Great Southern Bancorp, Inc.
Price & Indicators
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Jul 16, 2026TL;DR. GSBC reported Q2 2026 net income of $15.8M ($1.43 diluted EPS), down from $19.8M ($1.72) a year ago as one-time branch consolidation and severance charges weighed on results, even as net interest margin expanded to 3.76% from 3.68% and the company announced a nine-branch consolidation expected to deliver $2.3–$2.7M in annual pre-tax income improvement beginning Q4 2026.
- + Net interest margin expanded 8 bps YoY to 3.76% from 3.68% on disciplined funding cost management.
- + Branch consolidation and workforce reduction expected to generate $2.3–$2.7M of annual pre-tax income improvement beginning Q4 2026.
- + Non-interest-bearing checking balances grew $35.9M (4.3%) from year-end 2025, expanding the lower-cost core deposit franchise.
- − Net income fell 20.2% YoY to $15.8M and diluted EPS dropped to $1.43 from $1.72, primarily due to $2.1M of one-time consolidation and severance charges.
- − Efficiency ratio deteriorated sharply to 67.21% from 59.16% YoY on the one-time charges.
- − Net charge-offs of $819,000 in the quarter included a $909,000 charge-off on a multifamily loan transferred to foreclosed assets, lifting net charge-offs to 0.07% annualized versus net recoveries in the prior-year quarter.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
GSBC
this stock
Great Southern Bancorp, Inc.
|
$865.15M | +27.6% | +7.7% | 13.2 | 5.0% |
|
MFG
Mizuho Financial Group Inc
|
$132.41B | +51.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$116.45B | -35.3% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$107.26B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$101.13B | -5.0% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| GSBC | -2.2% | -0.7% | +25.5% | +0.4% | +27.6% |
| SPY | +1.7% | +1.0% | +22.4% | +0.8% | +13.4% |
| vs SPY | -3.8% | -1.7% | +3.1% | -0.5% | +14.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.