Filing Flows › Financials › Great Southern Bancorp (GSBC)
Great Southern Bancorp (GSBC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Great Southern Bancorp (GSBC) Q3 2026 earnings results →
Q3 2026 Revenue down 7% year over year to $53.7M · 26¢ of every $1 of revenue kept as net profit · operating margin 31.2%
Great Southern Bancorp made $53.7M in Q3 2026 (-7% Y/Y): Net interest income $50.3M, Noninterest income $3.4M. Operating margin 31.2%, net earnings $14.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $53.7M in Q3 2026, down 7% year over year and down 6% from the previous quarter. Net interest income was the largest line at 94% of revenue. Noninterest income lost $3.6M year over year (down 52%), 88% of the total change.
Operating profit was $16.7M, a 31.2% margin (down 7.0 points year over year). Total costs grew 3% against a revenue fall of 7%. Net earnings were $14.0M, down 21% year over year. The effective tax rate was 16.3%.
Operating cash flow was $23.9M (up 329% year over year), 171% of net earnings. Working capital and other items added $9.9M. Capital expenditures of $1.2M left free cash flow of $22.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $53.7M | -7% | 31.2% | $14.0M | $23.9M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Great Southern Bancorp
Great Southern Bancorp, Inc. (“Bancorp” or “Company”) is a bank holding company, a financial holding company and the parent of Great Southern Bank (“Great Southern” or the “Bank”). Bancorp was incorporated under the laws of the State of Delaware in July 1989 as a unitary savings and loan holding company. The Company became a one-bank holding company on June 30, 1998, upon the conversion of Great Southern to a Missouri-chartered trust company. In 2004, Bancorp was re-incorporated under the laws of the State of Maryland. As a Maryland corporation, the Company is authorized to engage in any activity that is permitted by the Maryland General Corporation Law and not prohibited by law or regulatory policy. The Company currently conducts its business as a financial holding company.
In its own words, from its 10-K, filed Mar 6, 2026.
Great Southern Bancorp against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -7% against the peers' median +10%. Operating margin: 31.2% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| GSBC Great Southern Bancorp | Q3 2026 | $53.7M | -7% | 31.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Great Southern Bancorp 10-Q on SEC EDGAR · CIK 854560 · State Commercial Banks
Guidance and outlook
13F: who owns GSBC and who is buying
More on GSBC
History
Every quarter: Q3 2026 results