Filing Flows › Great Southern Bancorp (GSBC) › Q3 2026 › vs Q3 2025
Great Southern Bancorp (GSBC) Q3 2026 vs Q3 2025 (year over year)
Great Southern Bancorp's revenue fell $4.2M (-7%) from $57.8M in Q3 2025 to $53.7M in Q3 2026. The biggest changes: Noninterest income −$3.6M (-52%); Net interest income −$504K (-1%). Operating margin 31.2% against 38.2% (-7.0 pts).
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 draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 31.2% | 38.2% | -7.0 pts |
| Net margin | 26.1% | 30.7% | -4.6 pts |
| Free cash flow margin | 42.5% | 6.7% | +35.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $50.3M | $50.8M | −$504K | -1% |
| Noninterest income | $3.4M | $7.1M | −$3.6M | -52% |
| Revenue | $53.7M | $57.8M | −$4.2M | -7% |
| Operating profit | $16.7M | $22.1M | −$5.4M | -24% |
| Costs & expenses | $36.9M | $35.7M | $1.2M | +3% |
| Pre-tax earnings | $16.7M | $22.1M | −$5.4M | -24% |
| Noninterest expense | $36.3M | $36.1M | $158K | +0.4% |
| Net earnings | $14.0M | $17.8M | −$3.7M | -21% |
| Income tax | $2.7M | $4.3M | −$1.6M | -37% |
| Working capital & other | $9.9M | −$12.2M | $22.1M | — |
| Operating cash flow | $23.9M | $5.6M | $18.4M | +329% |
| Free cash flow (OCF − capex) | $22.8M | $3.9M | $18.9M | +492% |
| Capital expenditures | $1.2M | $1.7M | −$583K | -34% |
Questions
How much did Great Southern Bancorp's revenue grow year over year in Q3 2026?
Great Southern Bancorp's revenue fell $4.2M (-7%) from $57.8M in Q3 2025 to $53.7M in Q3 2026.
What drove Great Southern Bancorp's revenue change in Q3 2026?
Noninterest income −$3.6M (-52%); Net interest income −$504K (-1%).