Great Southern Bancorp (GSBC) Cash Flow: Operating & Free Cash Flow

Great Southern Bancorp (GSBC) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Great Southern Bancorp generated $81.52M of operating cash flow and spent $11.46M on capital expenditures. That left free cash flow of $70.06M, up 79.0% from $39.14M a year earlier, or 20.4% of revenue. It returned $63.19M to shareholders through $18.72M in dividends and $44.46M in share buybacks.

Great Southern Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Cash flow statement showing operating, investing, and financing activities for Great Southern Bancorp, Inc. (GSBC) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	70.97	61.81	67.80	75.95	74.63	59.31	73.61	67.11	51.56
Depreciation & Amortization	8.51	8.95	9.31	9.68	11.14	12.08	11.63	11.41	11.85
Deferred Income Tax	-1.32	0.46	2.99	2.49	3.71	-11.48	1.07	-4.45	9.42
Stock Based Compensation	1.86	1.77	1.62	1.44	1.23	1.15	0.92	0.74	0.56
Change in Working Capital	13.48	-13.28	16.57	0.54	17.93	-18.69	3.91	13.69	-19.15
Change in Accounts Receivable	2.36	0.78	0.00	-8.40	2.09	0.36	-0.08	-1.11	-0.46
Change in Other Working Capital	6.66	-0.26	1.26	8.21	19.03	-19.05	3.99	14.80	-18.68
Other Operating Activities	-17.16	-0.26	1.26	8.21	19.03	3.67	-4.72	5.70	8.56
Net Cash from Operating Activities	81.52	44.06	80.70	84.85	93.74	46.05	86.42	94.20	62.82
Investing Activities
Capital Expenditures	-11.47	-4.92	-7.30	-20.11	-5.74	-8.35	-11.91	-9.47	-7.52
Acquisitions	0.13	0.00	0.00	3.98	296.39	-153.94	-178.40	-50.36	0.00
Purchases of Investments	-8.90	-92.63	-5.44	-360.73	-177.47	-118.30	-207.63	-93.38	-3.85
Sales/Maturities of Investments	53.77	38.79	34.12	93.54	72.15	141.35	88.46	26.37	36.87
Other Investing Activities	-3.05	-12.44	-109.59	-517.97	-3.39	7.89	14.33	-254.49	55.76
Net Cash from Investing Activities	367.18	-175.39	-88.21	-819.55	181.95	-131.35	-295.15	-381.32	81.38
Financing Activities
Debt Repayment	-255.00	255.24	57.03	127.47	-75.00	-73.12	14.35	73.34	-92.82
Common Stock Issued	4.82	10.10	0.00	0.00	3.70	0.00	0.00	0.00	0.00
Common Stock Repurchased	-44.46	-15.15	-23.33	-61.85	-39.12	-22.10	-0.85	-0.90	0.00
Dividends Paid	-18.72	-18.71	-19.28	-19.18	-18.80	-33.43	-29.05	-15.82	-12.89
Other Financing Activities	0.51	0.33	-1.64	0.44	-1.39	557.52	241.70	191.00	-76.00
Net Cash from Financing Activities	-454.90	115.75	50.32	185.95	-122.15	428.87	226.14	247.62	-181.71
Summary
Net Change in Cash	-6.20	-15.58	42.81	-548.75	153.54	343.57	17.41	-39.51	-37.52
Cash at Beginning of Period	195.76	211.33	168.52	717.27	563.73	220.16	202.74	242.25	279.77
Cash at End of Period	189.55	195.76	211.33	168.52	717.27	563.73	220.16	202.74	242.25
Free Cash Flow	70.06	39.14	73.40	64.74	88.00	37.70	74.51	84.73	55.30
Supplemental Disclosures
Interest Paid	-	129.02	100.41	25.00	22.70	-	-	-	-
Income Taxes Paid	-	3.65	7.89	10.26	12.96	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Great Southern Bancorp Cash Flow

What is Great Southern Bancorp's free cash flow?

Great Southern Bancorp generated free cash flow of $70.06M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $81.52M minus $11.46M of capital expenditures. That was up 79.0% from $39.14M a year earlier. Free cash flow equaled 20.4% of revenue.

How much does Great Southern Bancorp spend on capital expenditures?

Great Southern Bancorp spent $11.46M on capital expenditures in fiscal 2025, compared with $4.92M a year earlier. That equals 14.1% of operating cash flow.

Does Great Southern Bancorp pay dividends or buy back shares?

Yes. In fiscal 2025 Great Southern Bancorp returned $18.72M in dividends and $44.46M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition