The stock should respond positively to the significant EPS beat and loan growth resumption, but traders should monitor asset quality trends as non-performing assets increased. The net interest margin expansion despite declining net interest income suggests effective liability management, which could support future margins if rate cuts continue.
Price Chart
Executive Summary
Great Southern Bancorp reported Q1 2026 earnings of $1.58 per share, beating consensus estimates of $1.29 by 22.5%. Net interest margin improved to 3.71% despite a 2.0% year-over-year decline in net interest income, driven by lower interest expense and a $483k one-time interest collection. Loan growth resumed with a $99.8M increase, but asset quality weakened slightly with non-performing assets rising to 0.18% of total assets.
Key Financial Metrics
Key Facts
- EPS of $1.58 beat consensus of $1.29 by 22.5%
- Net interest margin expanded to 3.71% from 3.57% YoY despite $1.0M decline in net interest income
- Loan portfolio grew $99.8M (2.3%) to $4.46B, reversing previous declines
- Non-performing assets increased to $10.1M (0.18% of assets) from $8.1M (0.15%)
- Company collected $483k in previously unbooked interest and received $453k in debit card program reimbursement
Financial Impact
EPS beat of $0.29 (22.5%) on $17.5M net income, net interest margin expansion of 14 bps
Risk Factors
- Asset quality deterioration with non-performing assets increasing to 0.18% of total assets
- Net interest income declined 2.0% YoY despite margin expansion, indicating volume pressure
- One-time items ($483k interest collection, $453k reimbursement) contributed to the earnings beat
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 8 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001171843-26-002510 |
| Exhibit: exh_992.htm | 0001171843-26-002510 |
| Exhibit: exh_993.htm | 0001171843-26-002510 |
| Document: f8k_041526.htm | 0001171843-26-002510 |
| Document: 0001171843-26-002510-index-headers.html | 0001171843-26-002510 |
| Document: 0001171843-26-002510-index.html | 0001171843-26-002510 |
| Document: 0001171843-26-002510.txt | 0001171843-26-002510 |
| 8-K Data (Synthetic) | 0001171843-26-002510 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | 8-K | $78.93 | awaiting T+60 | — | $81.48 (−3.23%) |
Oct 21, 2026 5d ago | Press Release | $78.93 | awaiting T+60 | — | $81.48 (−3.23%) |
Sep 24, 2026 4w ago | Press Release | $78.91 | awaiting T+60 | — | $81.48 (+3.26%) |
Sep 16, 2026 5w ago | Press Release | $79.39 | awaiting T+60 | — | $81.48 (+2.63%) |
Jul 16, 2026 14w ago | 8-K | $80.11 $76.75 | ▲ +4.20% | ▲ +7.91% | $81.48 (−1.71%) |
Jul 15, 2026 14w ago | Press Release | $80.11 $76.75 | ▲ +4.20% | ▲ +7.91% | $81.48 (−1.71%) |
Jun 18, 2026 18w ago | Press Release | $74.82 $80.52 | ▲ +7.62% | ▲ +5.87% | $81.48 (+8.90%) |
Jun 12, 2026 19w ago | Institutional Cluster | $75.86 $79.49 | ▲ +4.79% | ▲ +1.52% | $81.48 (+7.41%) |
May 15, 2026 23w ago | 8-K | $67.18 $80.32 | ▲ +19.56% | ▲ +15.04% | $81.48 (+21.29%) |
May 1, 2026 25w ago | 144 | $68.70 $80.71 | ▲ +17.48% | ▲ +15.63% | $81.48 (+18.60%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers