<span item_type="fundamental" item_id="ed627957d74808af32ac9eec934d1c05" counter_id="ST/US/GSBC" env="prod"></span><span item_type="announcement" item_id="579859573570670721" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 86.14 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 1.56, beating the estimate of USD 1.5.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -28.68 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: For the three months ended September 30, 2025, total interest income was $79,079,000, compared to $83,796,000 for the same period in 2024. For the nine months ended September 30, 2025, total interest income was $240,297,000, compared to $242,113,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Interest Income</strong>: For the three months ended September 30, 2025, net interest income was $50,773,000, compared to $47,975,000 for the same period in 2024. For the nine months ended September 30, 2025, net interest income was $151,070,000, compared to $139,609,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li><li><strong>Net Income</strong>: For the three months ended September 30, 2025, net income was $17,752,000, compared to $16,490,000 for the same period in 2024. For the nine months ended September 30, 2025, net income was $54,698,000, compared to $46,885,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Provided by Operating Activities</strong>: For the nine months ended September 30, 2025, net cash provided by operating activities was $59,896,000, compared to $34,278,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li><li><strong>Net Cash Provided by (Used in) Investing Activities</strong>: For the nine months ended September 30, 2025, net cash provided by investing activities was $239,589,000, compared to net cash used in investing activities of $191,506,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li><li><strong>Net Cash Provided by (Used in) Financing Activities</strong>: For the nine months ended September 30, 2025, net cash used in financing activities was $299,006,000, compared to net cash provided by financing activities of $154,260,000 in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses</strong>: As of September 30, 2025, the allowance for credit losses was $64,749,000, compared to $64,760,000 as of December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The company continues to focus on maintaining credit risk and interest rate risk at appropriate levels, with a strategy centered on maintaining a strong net interest margin and managing the balance sheet effectively.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li><li><strong>Non-Core Business</strong>: The company has invested in limited partnerships for affordable housing and community development, with a net carrying value of $99.7 million as of September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li></ul><h3>Priority</h3><ul><li>The company emphasizes maintaining a strong net interest margin and managing the balance sheet effectively, with a focus on credit risk and interest rate risk management.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/854560/000110465925107609/gsbc-20250930x10q.htm"></span></li></ul>

Great Southern Bancorp | 10-Q: FY2025 Q3 Revenue: USD 86.14 M