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

Revenue: As of FY2025 Q3, the actual value is USD 86.14 M.

EPS: As of FY2025 Q3, the actual value is USD 1.56, beating the estimate of USD 1.5.

EBIT: As of FY2025 Q3, the actual value is USD -28.68 M.

Segment Revenue

• Interest Income: 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.

Operational Metrics

• Net Interest Income: 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.
• Net Income: 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.

Cash Flow

• Net Cash Provided by Operating Activities: 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.
• Net Cash Provided by (Used in) Investing Activities: 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.
• Net Cash Provided by (Used in) Financing Activities: 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.

Unique Metrics

• Allowance for Credit Losses: As of September 30, 2025, the allowance for credit losses was $64,749,000, compared to $64,760,000 as of December 31, 2024.

Future Outlook and Strategy

• Core Business Focus: 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.
• Non-Core Business: 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.

Priority

• 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.