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Great Southern Bancorp

GSBC
66
Banks - Regional · Financial Services
Exchange
NASDAQ
Winston Score
66
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Good
Capital Strength
Exceptional
Asset Quality
Exceptional
Valuation
Good
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Winston Score History

The full picture

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts.

Score breakdown

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Bank Quality

Return on owners' money
Return on Equity
12.1%
no trend
Strong — 12.1% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.76%
no trend
Wide spread — 3.76% net interest margin
Cost of running the bank
Efficiency Ratio
60.8%
no trend
Average — 60.8% efficiency ratio

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Growth

Sales growth
Sales YoY
-10.8%
Shrinking sales (-10.8% YoY)
Profit growth
EPS YoY
+2.7%
Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is
EPS Consistency
7/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
13.0%
no trend
Fortress balance sheet — 13.0% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.08%
no trend
Clean loan book — 0.08% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Loans written off
Net Charge-Offs
-0.00%
no trend
Minimal losses — -0.00% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
13.0x
no trend
Attractive valuation — P/E 13.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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