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Dec 31, 2025
Great Southern Q4 2025 Earnings Report
Great Southern reported its Q4 2025 earnings, showing a decrease in net income and diluted EPS compared to the previous year, alongside a slight increase in total assets.
Key Takeaways
Great Southern experienced a challenging fourth quarter in 2025, with net income declining to $15.2 million from $18.1 million in the prior year. Diluted EPS also decreased to $1.25 from $1.48. Despite these declines, the company saw a modest increase in total assets, reaching $6.0 billion.
Net income for Q4 2025 decreased to $15.2 million, down from $18.1 million in Q4 2024.
Diluted earnings per share fell to $1.25 in Q4 2025, compared to $1.48 in the same period last year.
Total assets showed a slight increase, reaching $6.0 billion at the end of Q4 2025.
The efficiency ratio improved to 59.80% in Q4 2025 from 61.20% in Q4 2024.
Forward Guidance
Great Southern's forward guidance indicates a focus on maintaining strong capital ratios and managing credit quality, while acknowledging potential challenges in net interest margin due to market conditions.
Positive Outlook
- Continued strong capital ratios, with CET1 and Total Capital ratios remaining robust.
- Proactive management of credit quality, aiming to keep non-performing assets low.
- Efficiency ratio improvement expected to continue through operational optimizations.
- Strategic investments in technology to enhance customer experience and operational efficiency.
- Commitment to shareholder returns through dividends and potential share repurchases.
Challenges Ahead
- Potential pressure on net interest margin due to competitive market and interest rate environment.
- Economic uncertainties could impact loan growth and asset quality.
- Increased regulatory compliance costs may affect profitability.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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