Great Southn Bancorp Inc Financials
This page shows Great Southn Bancorp Inc (GSBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 highlights a balance-sheet-funded earnings model in which lower funding costs mattered more than revenue growth.
FY2025 produced higher net income of$71.0M even though revenue was lower than FY2024, while interest expense dropped to$113.5M ; that recovery points to funding cost pressure, not simple volume growth, as the main earnings driver. Liabilities also fell faster than assets and debt-to-equity improved, so the rebound came with a slightly less leveraged balance sheet rather than renewed expansion.
Cash conversion looked much healthier than FY2024: operating cash flow rebounded to
Capital return remained material, with buybacks of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Great Southn Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Great Southn Bancorp Inc's revenue declined 3.4% year-over-year, from $324.7M to $313.7M. This contraction results in a growth score of 38/100.
Great Southn Bancorp Inc has elevated debt relative to equity (D/E of 7.80), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Great Southn Bancorp Inc converts 22.3% of revenue into free cash flow ($70.1M). This strong cash generation earns a score of 74/100.
Great Southn Bancorp Inc's ROE of 11.2% shows moderate profitability relative to equity, earning a score of 36/100. This is up from 10.3% the prior year.
Great Southn Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Great Southn Bancorp Inc generates $1.15 in operating cash flow ($81.5M OCF vs $71.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Great Southn Bancorp Inc generated $313.7M in revenue in fiscal year 2025. This represents a decrease of 3.4% from the prior year.
Great Southn Bancorp Inc reported $71.0M in net income in fiscal year 2025. This represents an increase of 14.8% from the prior year.
Great Southn Bancorp Inc earned $6.19 per diluted share (EPS) in fiscal year 2025. This represents an increase of 17.7% from the prior year.
Cash & Balance Sheet
Great Southn Bancorp Inc generated $70.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 79.0% from the prior year.
Great Southn Bancorp Inc held $189.6M in cash against $0 in long-term debt as of fiscal year 2025.
Great Southn Bancorp Inc paid $1.66 per share in dividends in fiscal year 2025. This represents an increase of 3.7% from the prior year.
Great Southn Bancorp Inc had 11M shares outstanding in fiscal year 2025. This represents a decrease of 5.6% from the prior year.
Margins & Returns
Great Southn Bancorp Inc's net profit margin was 22.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.6 percentage points from the prior year.
Great Southn Bancorp Inc's ROE was 11.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.
Capital Allocation
Great Southn Bancorp Inc spent $44.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 193.4% from the prior year.
Great Southn Bancorp Inc invested $11.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 132.8% from the prior year.
GSBC Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $71.2M-3.1% | $73.4M-7.1% | $79.1M-2.3% | $81.0M+0.9% | $80.2M-2.8% | $82.6M-1.4% | $83.8M+3.5% | $80.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $20.1M+2.2% | $19.6M-2.7% | $20.2M+0.9% | $20.0M-0.6% | $20.1M+3.2% | $19.5M-0.2% | $19.5M-1.7% | $19.9M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $22.8M-5.9% | $24.3M-14.3% | $28.3M-5.7% | $30.0M-2.9% | $30.9M-6.5% | $33.1M-7.7% | $35.8M+5.0% | $34.1M |
| Income Tax | $4.0M+25.9% | $3.2M-26.5% | $4.3M-3.3% | $4.5M+4.8% | $4.3M+41.0% | $3.0M-16.0% | $3.6M-6.2% | $3.9M |
| Net Income | $17.5M+7.4% | $16.3M-8.3% | $17.8M-10.3% | $19.8M+15.3% | $17.2M+15.0% | $14.9M-9.5% | $16.5M-2.9% | $17.0M |
| EPS (Diluted) | $1.58 | N/A | $1.56-9.3% | $1.72+17.0% | $1.47 | N/A | $1.41-2.8% | $1.45 |
GSBC Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.7B+1.6% | $5.6B-2.4% | $5.7B-2.0% | $5.9B-2.3% | $6.0B+0.2% | $6.0B-0.9% | $6.0B+1.3% | $6.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $187.4M-1.1% | $189.6M-3.4% | $196.2M-20.2% | $245.9M+13.2% | $217.2M+10.9% | $195.8M-6.1% | $208.4M+11.7% | $186.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $9.6M-1.1% | $9.7M-1.1% | $9.8M-1.1% | $9.9M-1.1% | $10.0M-1.1% | $10.1M-1.1% | $10.2M-1.0% | $10.3M |
| Total Liabilities | $5.1B+1.8% | $5.0B-2.8% | $5.1B-2.4% | $5.2B-2.8% | $5.4B0.0% | $5.4B-0.8% | $5.4B+0.6% | $5.4B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $633.6M-0.4% | $636.1M+0.5% | $632.9M+1.7% | $622.4M+1.5% | $613.3M+2.3% | $599.6M-2.0% | $612.1M+7.6% | $568.8M |
| Retained Earnings | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
GSBC Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $21.2M-2.0% | $21.6M+287.0% | $5.6M-85.8% | $39.3M+162.1% | $15.0M+53.3% | $9.8M-44.7% | $17.7M-59.3% | $43.5M |
| Capital Expenditures | $1.3M-61.7% | $3.4M+95.7% | $1.7M-60.5% | $4.4M+127.6% | $1.9M+34.9% | $1.4M+22.2% | $1.2M-22.4% | $1.5M |
| Free Cash Flow | $19.9M+9.1% | $18.2M+373.3% | $3.9M-89.0% | $34.9M+167.1% | $13.1M+56.4% | $8.4M-49.5% | $16.5M-60.6% | $42.0M |
| Investing Cash Flow | -$99.8M-178.2% | $127.6M+85.9% | $68.6M-57.5% | $161.6M+1620.1% | $9.4M-41.7% | $16.1M+134.1% | -$47.3M+70.0% | -$157.7M |
| Financing Cash Flow | $76.5M+149.1% | -$155.9M-25.8% | -$123.9M+28.0% | -$172.1M-5701.4% | -$3.0M+92.3% | -$38.5M-174.8% | $51.5M-60.2% | $129.3M |
| Dividends Paid | $4.8M-1.8% | $4.8M+6.3% | $4.6M-1.4% | $4.6M-1.4% | $4.7M+0.4% | $4.7M+0.8% | $4.6M-1.0% | $4.7M |
| Share Buybacks | $16.9M+17.4% | $14.4M+43.5% | $10.0M+2.5% | $9.8M-4.1% | $10.2M+280.7% | $2.7M+2384.3% | $108K-98.3% | $6.5M |
GSBC Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 24.6%+2.4pp | 22.2%-0.3pp | 22.4%-2.0pp | 24.4%+3.0pp | 21.4%+3.3pp | 18.1%-1.6pp | 19.7%-1.3pp | 21.0% |
| Return on Equity | 2.8%+0.2pp | 2.6%-0.2pp | 2.8%-0.4pp | 3.2%+0.4pp | 2.8%+0.3pp | 2.5%-0.2pp | 2.7%-0.3pp | 3.0% |
| Return on Assets | 0.3%+0.0pp | 0.3%-0.0pp | 0.3%-0.0pp | 0.3%+0.1pp | 0.3%+0.0pp | 0.3%-0.0pp | 0.3%-0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.98+0.2 | 7.80-0.3 | 8.07-0.3 | 8.41-0.4 | 8.77-0.2 | 8.98+0.1 | 8.86-0.6 | 9.48 |
| FCF Margin | 27.9%+3.1pp | 24.8%+20.0pp | 4.9%-38.2pp | 43.1%+26.8pp | 16.3%+6.2pp | 10.1%-9.6pp | 19.7%-32.1pp | 51.9% |
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Frequently Asked Questions
What is Great Southn Bancorp Inc's annual revenue?
Great Southn Bancorp Inc (GSBC) reported $313.7M in total revenue for fiscal year 2025. This represents a -3.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Great Southn Bancorp Inc's revenue growing?
Great Southn Bancorp Inc (GSBC) revenue declined by 3.4% year-over-year, from $324.7M to $313.7M in fiscal year 2025.
Is Great Southn Bancorp Inc profitable?
Yes, Great Southn Bancorp Inc (GSBC) reported a net income of $71.0M in fiscal year 2025, with a net profit margin of 22.6%.
What is Great Southn Bancorp Inc's net profit margin?
Great Southn Bancorp Inc (GSBC) had a net profit margin of 22.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Great Southn Bancorp Inc pay dividends?
Yes, Great Southn Bancorp Inc (GSBC) paid $1.66 per share in dividends during fiscal year 2025.
What is Great Southn Bancorp Inc's return on equity (ROE)?
Great Southn Bancorp Inc (GSBC) has a return on equity of 11.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Great Southn Bancorp Inc's free cash flow?
Great Southn Bancorp Inc (GSBC) generated $70.1M in free cash flow during fiscal year 2025. This represents a 79.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Great Southn Bancorp Inc's operating cash flow?
Great Southn Bancorp Inc (GSBC) generated $81.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Great Southn Bancorp Inc's total assets?
Great Southn Bancorp Inc (GSBC) had $5.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Great Southn Bancorp Inc's capital expenditures?
Great Southn Bancorp Inc (GSBC) invested $11.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Great Southn Bancorp Inc's debt-to-equity ratio?
Great Southn Bancorp Inc (GSBC) had a debt-to-equity ratio of 7.80 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Great Southn Bancorp Inc's return on assets (ROA)?
Great Southn Bancorp Inc (GSBC) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Great Southn Bancorp Inc's Piotroski F-Score?
Great Southn Bancorp Inc (GSBC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Great Southn Bancorp Inc's earnings high quality?
Great Southn Bancorp Inc (GSBC) has an earnings quality ratio of 1.15x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Great Southn Bancorp Inc?
Great Southn Bancorp Inc (GSBC) scores 25 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.