B+
Bull case
20%
Probability
Target price
$88.00
+13.1% vs current
GSBC
Great Southern BancorpBNasdaq / Banks
Last Price
At close
2026-07-22
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
50%
Probability
Target price
$78.00
+0.3% vs current
B-
Bear case
30%
Probability
Target price
$64.00
-17.7% vs current
AI sentiment snapshot
Latest data as of 2026-07-20
Recent news sentiment (30D)
+24.4
Positive
Company
-
Unavailable
Macro
+24.4
Positive
Pulse
-
Unavailable
Sentiment proxy
+44.1
Score
AI commentary
Post-earnings tone is mixed rather than clearly bullish: margin and normalized earnings were constructive, but reported earnings and loan balances declined. The packet lacks reliable post-print price-reaction and broad analyst-revision data; missing reaction is not treated as positive evidence. Low coverage and limited forward guidance support a monitoring stance.
RankAlpha Sentiment Codex - 2026-07-20
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-20catalystMixed Q2 earnings quality creates near-term repricing riskMedium impact
Official Q2 results showed diluted EPS of $1.43 and net income of $15.8 million versus $1.72 and $19.8 million a year earlier. NIM improved to 3.76%, but net interest income fell 2.9%, loans declined, and prepayments increased. Excluding $2.1 million of non-recurring expenses, EPS was $1.57 [#SEC-8K-2026-07-16].
2026-10-01eventQ4 operating savings from branch consolidationMedium impact
The company is consolidating nine banking centers and reducing workforce costs. It recorded $2.1 million of related expenses in Q2 and expects some expense reduction beginning in Q4 2026, although technology and other investments may offset part of the savings [#SEC-8K-2026-07-16].
2027-07-20catalystFunding-cost relief must offset weaker loan momentumHigh impact
Lower deposit and borrowing expense supported NIM expansion, while net loans fell to $4.31 billion at June 30 and nonperforming assets rose modestly to 0.17% of assets. Stable credit and funding costs could support earnings durability; renewed payoffs, deposit pressure, or credit costs would limit upside [#SEC-8K-2026-07-16].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology