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Great Southern Bancorp (GSBC) guidance and outlook
Great Southern Bancorp (GSBC) reaffirmed its guidance on Oct 22, 2026: Interest expense $2.0M for Q4 2026; Tax rate 18%–19.5% for Q4 2026; Interest expense $4.4M–$4.8M for FY2026. Great Southern Bancorp's 10-Q filed Nov 6, 2026 makes 19 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Interest expense | Q4 2026 | $2.0M | new |
| Tax rate | Q4 2026 | 18%–19.5% | new |
| Interest expense | FY2026 | $4.4M–$4.8M | reaffirmed |
From the earnings release filed Oct 22, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 6, 2026
- Our management will continue to monitor regional, national, and global economic indicators such as unemployment, GDP, housing starts and prices, consumer sentiment, commercial real estate price index and commercial real estate occupancy, absorption and rental rates, as these could significantly affect customers in each of our market areas.
- While we do not currently anticipate that our ability to access these sources will be reduced or eliminated in future periods, if this should happen, the limitation on our ability to fund additional loans
- A rate cut by the FRB generally would be expected to have an immediate negative impact on the Company’s interest income on loans due to the large total balance of loans tied to the SOFR indexes or the “prime rate” index that will be subject to adjustment at least once within 90 days or loans which generally adjust immediately as the Federal Funds rate adjusts.
- As of September 30 , 2026, Great Southern’s interest rate risk models indicated that, generally, rising interest rates would be expected to have a modestly positive impact on the Company’s net interest income, while declining interest rates would be expected to have a mostly neutral impact on net interest income.
- In the subsequent months, we would expect that net interest margin would stabilize and begin to improve, as renewal interest rates on maturing time deposits decrease.
- In particular, the capital requirements and operations of regulated banking organizations such as the Company and the Bank have been and will be subject to changes in applicable statutes and regulations from time to time, which changes could, under certain circumstances, adversely affect the Company or the Bank.
- If deposit account attrition is ultimately greater than our estimates, it may negatively impact our anticipated annual pre-tax income improvement.
- The Company currently does not expect to ultimately realize losses on the sale of the other five properties and expects the eventual aggregate selling price of all affected properties will exceed the combined carrying value of the affected locations.
- If market interest rates remain near or above their current levels, the Company’s interest rate swaps will continue to have a negative impact on net interest income.
- Management estimates the allowance balance using relevant available information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts.
- Management maintains various controls in an attempt to identify and limit future losses, such as a watch list of problem loans and potential problem loans, documented loan administration policies and loan review staff to review the quality and anticipated collectability of the portfolio.
- As mentioned in previous filings, the Company reported that it expected such improvements to ultimately cost approximately $3 million and take several months to complete.
Great Southern Bancorp's latest quarter
Great Southern Bancorp, Q3 2026: revenue $53.7M (-7% year over year), operating margin 31.2%, net earnings $14.0M, operating cash flow $23.9M. The chart follows the revenue to costs, profit and cash.
Questions
Did Great Southern Bancorp raise or lower its guidance?
Great Southern Bancorp (GSBC) reaffirmed its guidance on Oct 22, 2026: Interest expense $2.0M for Q4 2026; Tax rate 18%–19.5% for Q4 2026; Interest expense $4.4M–$4.8M for FY2026.
What does Great Southern Bancorp expect?
Our management will continue to monitor regional, national, and global economic indicators such as unemployment, GDP, housing starts and prices, consumer sentiment, commercial real estate price index and commercial real estate occupancy, absorption and rental rates, as these could significantly affect customers in each of our market areas. While we do not currently anticipate that our ability to access these sources will be reduced or eliminated in future periods, if this should happen, the limitation on our ability to fund additional loans A rate cut by the FRB generally would be expected to
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.