Great Southern Bancorp, Inc. (GSBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$80.24+0.45%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · GSBC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 8.4% |
| Our one-year growth estimate | diamond | -18.5% |
Growth built into the price is above our model estimate.
The price assumes 26.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 220 industry peers
GSBC — dividend update
Dated 2026-06-17
Other Events. On June 17, 2026, Great Southern Bancorp, Inc., the holding company for Great Southern Bank, declared a $0.43 per common share dividend for the second quarter of the calendar year ending December 31, 2026. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.
Why it matters: More non-performing assets may show credit quality problems. This can hurt overall financial health.
Worry ifNon-performing assets rise above $10.6 million in Q3 2026.
Less concerning ifNon-performing assets fall below $9.4 million in Q3 2026.
Why it matters: Keeping the dividend shows good money management. It also shows care for shareholders.
Supportive ifDividend remains at $0.43 per share in the next announcement.
Worry ifCutting the dividend below $0.43 per share shows financial trouble.
Why it matters: Growth in net income shows the company is doing well. This can attract more investors.
Supportive ifNet income increases beyond $17.5 million in Q2, confirming growth strategy.
Worry ifNet income falls below $16.3 million in Q2. This suggests there are operational problems.
Why it matters: A drop in sector revenue growth could signal a broader slowdown affecting GSBC's performance.
Worry ifSector revenue growth falls below its median for the first time in three years.
Less concerning ifSector revenue growth remains above its median.
Why it matters: If net income keeps falling, it may worry investors about growth and costs.
Worry ifQ3 net income falls below $15.8 million.
Less concerning ifQ3 net income rises above $17.5 million.
Why it matters: Stable or growing loan balances show strong demand and good lending practices.
Supportive ifTotal net loans stabilize or grow from $4.31 billion at June 30, 2026.
Worry ifTotal net loans keep falling, showing weak demand or lending ability.
Why it matters: Better efficiency can lead to higher pre-tax income. This helps long-term growth.
Supportive ifManagement says annual pre-tax income will rise by over $2 million starting Q4 2026.
Worry ifNo rise in pre-tax income after changes shows there are still inefficiencies.
Why it matters: Changes in net interest margin can show shifts in profits and loan pricing.
Watch forNet interest margin improves to above 3.76% in Q3 2026.
Also watch forNet interest margin falls below 3.71% in Q3 2026.
Why it matters: If consolidation works, it can help make more money and lower costs over time.
Supportive ifAnnual pre-tax income increases by over $2 million starting in Q4 2026.
Worry ifNo significant increase in pre-tax income is reported in Q4 2026.
Why it matters: Stable net income shows recovery from recent drops. It also supports growth plans.
Supportive ifQ3 net income is over $17 million. This shows a positive trend.
Worry ifQ3 net income is below $17 million. This confirms ongoing ups and downs.
Why it matters: Hitting this target shows management's plan to make more money.
Supportive ifThey said pre-tax income will rise by over $2 million due to cost savings.
Worry ifNo rise in pre-tax income despite changes shows there are still problems.
Why it matters: The company keeps paying the dividend. This shows it is stable and values its shareholders.
Watch forThe company declares a dividend of at least $0.43 per share.
Also watch forThe company reduces or skips the dividend payment.
Why it matters: Loan balance trends indicate the company's growth and credit health.
Worry ifTotal net loans decrease by more than $49.1 million.
Less concerning ifTotal net loans increase or stabilize.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$74 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $198 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,310 loss on $10,000 · 13.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.