GSBCMEDIUM SIGNALFINANCIAL10-K

GSBC reported solid net income growth of 14.8% to $71.0M while operating cash flow improved substantially to $81.5M, reflecting enhanced operational efficiency.

The company demonstrates healthy profitability growth coupled with significantly stronger cash generation, suggesting improved operational execution and cash management. The balance sheet shows modest contraction with total assets declining from $5.98B to $5.60B, which may reflect strategic portfolio optimization or loan runoff.

Comparing 2026-03-06 vs 2025-03-07View on EDGAR →
FINANCIAL ANALYSIS

GSBC delivered a solid financial performance with net income growing nearly 15% to $71.0M while operating cash flow nearly doubled to $81.5M, indicating strong cash conversion and operational improvements. The balance sheet contracted modestly with total assets declining to $5.60B from $5.98B, accompanied by proportional decreases in loans and deposits, suggesting either strategic rightsizing or natural portfolio runoff. Overall, the financial picture signals a more efficient operation generating stronger cash flows despite a slightly smaller asset base.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+85%
$44.1M→$81.5M

Operating cash flow surged 85% — exceptional cash generation, highest quality earnings signal.

Net Income
P&L
+14.8%
$61.8M→$71.0M

Net income grew 14.8% — bottom-line growth signals improving overall business health.

LANGUAGE CHANGES
NEW — 2026-03-06
PRIOR — 2025-03-07
ADDED
At March 4, 2026, 10,963,133 shares of the Registrant s common stock were outstanding.
At December 31, 2025, Bancorp s consolidated total assets were $5.60 billion, consolidated net loans were $4.36 billion, consolidated deposits were $4.48 billion and consolidated total stockholders equity was $636.1 million.
At December 31, 2025, the Bank had total assets of $5.60 billion, net loans of $4.36 billion, deposits of $4.54 billion and equity capital of $610.3 million, or 10.9% of total assets.
The size and complexity of the Bank s operations increased substantially in 2009 with the completion of two FDIC-assisted transactions, and again in 2011, 2012 and 2014 with the completion of another FDIC-assisted transaction in each of those years.
In 2015, the Company announced plans to consolidate operations of 16 of its banking centers into other nearby Great Southern banking center locations.
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REMOVED
At March 5, 2025, 11,597,951 shares of the Registrant s common stock were outstanding.
At December 31, 2024, Bancorp s consolidated total assets were $5.98 billion, consolidated net loans were $4.69 billion, consolidated deposits were $4.61 billion and consolidated total stockholders equity was $599.6 million.
At December 31, 2024, the Bank had total assets of $5.98 billion, net loans of $4.70 billion, deposits of $4.69 billion and equity capital of $616.3 million, or 10.3% of total assets.
Prior to these acquisitions, the Company operated banking centers in Missouri with loan production offices in Arkansas and Kansas.
The loss sharing agreements related to the FDIC-assisted transactions in 2009, 2011 and 2012 added to the complexity of our operations by creating the need for new employees and processes to ensure compliance with the loss sharing agreements and the collection of problem assets acquired.
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