CoastalSouth Bancshares, Inc.(COSO)Earnings, Financials & Key Ratios

COSO•NYSE•Banking & Credit

12.4× P/E·Price updated Jun 11, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial and middle-market focused banks

AboutCoastalSouth Bancshares, Inc. operates as the bank holding company of CoastalStates Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, such as checking, savings and money market, certificates of deposit, and individual retirement accounts. Its loan products include residential mortgage, home equity loans, cash value line of credit, commercial and government guaranteed lending, and mortgage banker finance, as well as debit and credit cards. The company also offers customized and private banking, treasury management, and digital and telephone banking services. It operates retail banking branches in Hilton Head Island/Bluffton, South Carolina; Savannah, Georgia; and north metro Atlanta, Georgia. The company was incorporated in 2003 and is headquartered in Hilton Head Island, South Carolina.Show more

Net Interest Income$74M+13.1%
Total Revenue$136M+4.7%
Net Income$25M+13.6%
Return on Equity10.95%-12.2%
Net Interest Margin3.2%+2.9%
Efficiency Ratio35.08%+4.3%
ROA1.13%+6.5%
Equity / Assets11.25%+21.0%
Book Value per Share22.53+20.8%
Tangible BV/Share21.98+21.9%
Debt/Equity0.12+53.2%

COSO Key Insights

CoastalSouth Bancshares, Inc. (COSO) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 53.1%
✓Efficient operations: 35.1% efficiency ratio
✓Good 3Y average ROE of 15.1%
✓Trading near 52-week high
✓Trading at only 1.2x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Shares diluted 10.2% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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COSO Price & Volume

CoastalSouth Bancshares, Inc. (COSO) stock price & volume — 10-year historical chart

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COSO Growth Metrics

CoastalSouth Bancshares, Inc. (COSO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years17.06%

5 Years25.35%

3 Years21.14%

TTM-

Profit CAGR

10 Years33.47%

5 Years31.34%

3 Years11.02%

TTM13.64%

EPS CAGR

10 Years4.07%

5 Years21.98%

3 Years1.76%

TTM3.35%

Return on Capital

10 Years4.26%

5 Years7.42%

3 Years6.43%

Last Year2.36%

COSO Recent Earnings

CoastalSouth Bancshares, Inc. (COSO) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 1/12 qtrs (20%)●Beat Revenue 2/12 qtrs (40%)

Q2 2026Latest

Apr 20, 2026

EPS

$0.51

Est $0.56

-8.9%

Revenue

$22M

Est $22M

-1.8%

Q2 2026

Mar 4, 2026

EPS

$0.58

Revenue

$35M

Q1 2026

Jan 26, 2026

EPS

$0.58

Est $0.59

-2.5%

Revenue

$22M

Est $22M

+1.2%

Q1 2026

Jan 20, 2026

EPS

$0.58

Est $0.62

-6.5%

Revenue

$22M

Est $22M

+1.2%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 20, 2026	$0.51vs $0.56-8.9%	$22Mvs $22M-1.8%
Q2 2026	Mar 4, 2026	$0.58	$35M
Q1 2026	Jan 26, 2026	$0.58vs $0.59-2.5%	$22Mvs $22M+1.2%
Q1 2026	Jan 20, 2026	$0.58vs $0.62-6.5%	$22Mvs $22M+1.2%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
SFSTSouthern First Bancshares, Inc.Direct Competitor	581.59M	61.51	16.40	5.29%	13.52%	8.63%	0.72
FCCOFirst Community CorporationDirect Competitor	244.52M	31.91	12.92	12.72%	17.29%	12.11%	0.74
GSBCGreat Southern Bancorp, Inc.Direct Competitor	857.82M	75.27	12.16	-3.37%	20.63%	11.33%	0.64
CZWICitizens Community Bancorp, Inc.Direct Competitor	198.93M	20.66	14.15	-9.41%	16.01%	7.81%	0.28
NBTBNBT Bancorp Inc.Direct Competitor	2.49B	47.67	14.32	10.36%	18.76%	9.51%	0.17
SMBCSouthern Missouri Bancorp, Inc.Product Competitor	792.97M	71.39	13.78	11.72%	20.82%	11.85%	0.26
HBCPHome Bancorp, Inc.Product Competitor	527.31M	67.28	11.46	4.93%	22.01%	11.03%	0.13
FFINFirst Financial Bankshares, Inc.Product Competitor	4.78B	33.30	18.81	11.71%	30.71%	14.16%	0.01

Compare COSO vs Peers

CoastalSouth Bancshares, Inc. (COSO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFST

Most directly comparable listed peer for COSO.

Scale Benchmark

vs FISV

Larger-name benchmark to compare COSO against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFST, FCCO, GSBC, CZWI

COSO Income Statement

CoastalSouth Bancshares, Inc. (COSO) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	15.79M	19.8M	24.98M	31.91M	41.24M	56.96M	64.29M	65.32M	73.89M
NII Growth %	6.37%	25.38%	26.15%	27.75%	29.25%	38.1%	12.87%	1.6%	13.12%
Net Interest Margin %	2.97%	3.39%	3.53%	2.78%	2.56%	3.1%	3.17%	3.11%	3.2%
Interest Income	17.51M	22.12M	30.26M	37.68M	46M	66.58M	107.02M	123.65M	127.71M
Interest Expense	1.72M	2.32M	5.28M	5.77M	4.75M	9.62M	42.72M	58.33M	53.82M
Loan Loss Provision	4.45M	1.69M	1.87M	3.24M	1.33M	5.08M	-305K	553K	3.2M
Non-Interest Income	1.74M	3.38M	5.8M	6.2M	10.81M	9.8M	7.37M	6.07M	8.07M
Non-Interest Income %	9.05%	13.26%	16.08%	14.12%	19.03%	12.83%	6.44%	4.68%	5.94%
Total Revenue	19.25M▲ 0%	25.5M▲ 32.5%	36.06M▲ 41.4%	43.87M▲ 21.7%	56.81M▲ 29.5%	76.38M▲ 34.4%	114.38M▲ 49.8%	129.72M▲ 13.4%	135.78M▲ 4.7%
Revenue Growth %	-13.98%	32.47%	41.41%	21.67%	29.49%	34.44%	49.75%	13.41%	4.68%
Non-Interest Expense	18.7M	21.89M	25.44M	26.65M	35.27M	37.85M	40.47M	43.62M	47.63M
Efficiency Ratio	97.16%	85.85%	70.56%	60.74%	62.08%	49.55%	35.38%	33.63%	35.08%
Operating Income	-5.62M▲ 0%	-404K▲ 92.8%	3.47M▲ 957.9%	8.22M▲ 137.2%	15.47M▲ 88.1%	23.83M▲ 54.1%	31.5M▲ 32.2%	27.21M▼ 13.6%	31.14M▲ 14.4%
Operating Margin %	-29.2%	-1.58%	9.61%	18.74%	27.22%	31.2%	27.53%	20.98%	22.93%
Operating Income Growth %	-220.05%	92.81%	957.92%	137.19%	88.13%	54.09%	32.15%	-13.59%	14.41%
Pretax Income	-5.62M▲ 0%	-404K▲ 92.8%	3.47M▲ 957.9%	8.22M▲ 137.2%	15.47M▲ 88.1%	23.83M▲ 54.1%	31.5M▲ 32.2%	27.21M▼ 13.6%	31.14M▲ 14.4%
Pretax Margin %	-29.2%	-1.58%	9.61%	18.74%	27.22%	31.2%	27.53%	20.98%	22.93%
Income Tax	3.51M	-223K	863K	1.85M	3.14M	5.64M	7.02M	5.31M	6.24M
Effective Tax Rate %	-62.43%	55.2%	24.9%	22.54%	20.33%	23.67%	22.28%	19.51%	20.05%
Net Income	-11.81M▲ 0%	-181K▲ 98.5%	2.6M▲ 1538.1%	6.37M▲ 144.6%	12.32M▲ 93.5%	18.19M▲ 47.6%	24.48M▲ 34.6%	21.9M▼ 10.5%	24.89M▲ 13.6%
Net Margin %	-61.36%	-0.71%	7.22%	14.51%	21.69%	23.81%	21.4%	16.89%	18.33%
Net Income Growth %	-921.49%	98.47%	1538.12%	144.64%	93.5%	47.62%	34.57%	-10.52%	13.64%
Net Income (Continuing)	-9.13M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M	24.89M
EPS (Diluted)	-3.59▲ 0%	-0.03▲ 99.2%	0.36▲ 1308.1%	0.80▲ 122.2%	1.48▲ 85.0%	2.05▲ 38.5%	2.58▲ 25.9%	2.09▼ 19.0%	2.16▲ 3.3%
EPS Growth %	-	99.17%	1308.05%	122.22%	85%	38.51%	25.85%	-18.99%	3.35%
EPS (Basic)	-3.59	-0.03	0.36	0.80	1.51	2.09	2.61	2.15	2.24
Diluted Shares Outstanding	3.29M	6.07M	7.26M	7.99M	8.32M	8.85M	9.5M	10.47M	11.52M

COSO Balance Sheet

CoastalSouth Bancshares, Inc. (COSO) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	151.63M	98.41M	66.09M	126.98M	517.58M	395.08M	403.35M	67.96M	380.8M
Cash & Due from Banks	96.84M	38.54M	4.71M	7.42M	15.35M	19.32M	19.6M	67.96M	41.54M
Short Term Investments	54.79M	59.87M	61.38M	119.56M	502.24M	375.76M	383.75M	0	339.26M
Total Investments	356.71M	467.11M	608.13M	930.17M	1.31B	1.71B	1.86B	0	339.26M
Investments Growth %	3.05%	30.95%	30.19%	52.96%	40.61%	30.99%	8.41%	-100%	-
Long-Term Investments	301.93M	407.24M	546.75M	810.61M	805.65M	1.34B	1.47B	0	0
Accounts Receivables	2.01M	2.06M	2.17M	3.75M	3.93M	7.86M	20M	0	0
Goodwill & Intangibles	0	6.32M	6.43M	6.32M	7.56M	6.87M	6.46M	6.39M	6.26M
Goodwill	0	4.71M	4.71M	4.71M	4.71M	4.71M	4.71M	4.71M	6.26M
Intangible Assets	0	1.61M	1.72M	1.61M	2.86M	2.16M	1.75M	1.68M	0
PP&E (Net)	1.17M	12.05M	14.87M	18.51M	20.63M	23.35M	21.6M	21.83M	18.12M
Other Assets	64.45M	44.86M	60.53M	170.29M	240.46M	41.69M	77.93M	2B	-40.75M
Total Current Assets	154.4M	101.49M	69.13M	131.68M	522.86M	404.33M	427.89M	67.96M	79.77M
Total Non-Current Assets	377.57M	482.62M	639.36M	1.02B	1.09B	1.43B	1.6B	2.03B	0
Total Assets	531.97M▲ 0%	584.11M▲ 9.8%	708.49M▲ 21.3%	1.15B▲ 62.0%	1.61B▲ 40.4%	1.84B▲ 13.9%	2.03B▲ 10.5%	2.1B▲ 3.5%	2.31B▲ 9.9%
Asset Growth %	28.64%	9.8%	21.29%	61.97%	40.45%	13.89%	10.52%	3.46%	9.9%
Return on Assets (ROA)	-2.5%	-0.03%	0.4%	0.69%	0.89%	1.06%	1.27%	1.06%	1.13%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt	105.68M	500K	10M	146.04M	44.59M	140.68M	88.67M	14.73M	30M
Net Debt	8.84M	-38.04M	5.29M	138.62M	29.24M	121.35M	69.07M	-53.23M	-11.54M
Long-Term Debt	75.5M	500K	10M	146.04M	34.59M	122.68M	64.68M	14.73M	30M
Short-Term Debt	30.18M	0	0	0	10M	18M	23.99M	0	0
Other Liabilities	1.95M	2.45M	5.1M	7.96M	18.02M	27.36M	33.23M	1.89B	-30M
Total Current Liabilities	397.38M	513.33M	601.09M	891.55M	1.43B	1.57B	1.77B	1.24B	526.87M
Total Non-Current Liabilities	77.45M	2.95M	15.1M	153.99M	52.61M	150.03M	97.91M	1.9B	0
Total Liabilities	474.83M	516.28M	616.2M	1.05B	1.49B	1.72B	1.87B	1.9B	2.05B
Total Equity	57.14M▲ 0%	67.83M▲ 18.7%	92.29M▲ 36.1%	101.99M▲ 10.5%	124.93M▲ 22.5%	118.8M▼ 4.9%	156.04M▲ 31.4%	195.23M▲ 25.1%	259.53M▲ 32.9%
Equity Growth %	67.11%	18.71%	36.06%	10.5%	22.5%	-4.91%	31.35%	25.11%	32.93%
Equity / Assets (Capital Ratio)	10.74%	11.61%	13.03%	8.89%	7.75%	6.47%	7.69%	9.3%	11.25%
Return on Equity (ROE)	-25.87%	-0.29%	3.25%	6.56%	10.86%	14.93%	17.81%	12.47%	10.95%
Book Value per Share	17.36	11.18	12.72	12.77	15.01	13.42	16.42	18.65	22.53
Tangible BV per Share	17.36	10.13	11.83	11.98	14.10	12.64	15.74	18.04	21.98
Common Stock	5.7M	6.4M	7.96M	7.99M	8.61M	8.96M	9.54M	10.27M	11.98M
Additional Paid-in Capital	90.74M	101.59M	120.76M	121.76M	131.79M	136.6M	145.94M	158.75M	189.88M
Retained Earnings	-39.48M	-39.57M	-36.97M	-30.6M	-18.28M	-86K	20.09M	41.99M	66.89M
Accumulated OCI	170K	-590K	547K	2.84M	2.81M	-26.68M	-19.53M	-15.79M	-9.22M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

COSO Cash Flow Statement

CoastalSouth Bancshares, Inc. (COSO) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	27.31M	8.72M	-37.88M	-20.36M	70.88M	83.54M	37.14M	-12.67M	63.13M
Operating CF Growth %	444.62%	-68.07%	-534.4%	46.25%	448.13%	17.86%	-55.54%	-134.11%	598.29%
Net Income	-11.81M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M	24.89M
Depreciation & Amortization	505K	699K	1.43M	1.53M	1.92M	2.44M	2.83M	2.7M	2.32M
Deferred Taxes	-2.02M	-181K	786K	61K	-609K	1.54M	-259K	0	-211K
Other Non-Cash Items	7.99M	3.58M	3.88M	4.07M	57.84M	60.61M	10.16M	-39.51M	32.9M
Working Capital Changes	32.5M	4.22M	-47.48M	-33.42M	-1.78M	-183K	-1.16M	940K	2.27M
Cash from Investing	-45.22M	-33.35M	-97.62M	-298.39M	-226.3M	-502.9M	-176.35M	-17.31M	-224.09M
Purchase of Investments	-20.96M	-27.79M	-14.23M	-83.03M	-177.36M	-144.33M	-22.63M	0	-50.8M
Sale/Maturity of Investments	9M	16.81M	8.08M	19.43M	17.35M	21.78M	39.44M	0	65.87M
Net Investment Activity	-11.95M	-10.97M	-6.15M	-63.61M	-160.01M	-122.55M	16.81M	0	15.06M
Acquisitions	1.92M	18.67M	-88.77M	-227.72M	80.91M	-379.22M	0	0	0
Other Investing	-24.26M	-35.73M	213K	-4.21M	-145.01M	1.03M	-192.85M	-15.9M	-239.16M
Cash from Financing	129.1M	-53.48M	117.08M	426.48M	222.78M	223.97M	158.8M	49.39M	172.77M
Dividends Paid	-24.51M	0	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	-69K
Stock Issued	39.98M	0	19.31M	0	0	17K	8.84M	12.24M	31.86M
Net Stock Activity	39.98M	0	19.31M	0	0	17K	8.84M	12.24M	31.79M
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K
Other Financing	58.83M	21.52M	87.77M	290.46M	324.27M	127.9M	202.01M	84.14M	152.88M
Net Change in Cash	111.19M▲ 0%	-78.1M▼ 170.2%	-18.42M▲ 76.4%	107.73M▲ 684.8%	67.36M▼ 37.5%	-195.4M▼ 390.1%	19.59M▲ 110.0%	19.41M▼ 0.9%	11.81M▼ 39.2%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	34.61M	145.8M	67.7M	49.27M	157M	224.36M	28.96M	48.55M	67.96M
Cash at End	145.8M	67.7M	49.27M	157M	224.36M	28.96M	48.55M	67.96M	79.77M
Interest Paid	0	1.99M	0	5.73M	5.5M	8.05M	36.33M	60.6M	0
Income Taxes Paid	0	32K	0	1.46M	4.42M	3.41M	5.29M	0	0
Free Cash Flow	22.31M▲ 0%	3.41M▼ 84.7%	-40.8M▼ 1296.0%	-23.21M▲ 43.1%	68.69M▲ 396.0%	81.38M▲ 18.5%	36.83M▼ 54.7%	-14.08M▼ 138.2%	61.3M▲ 535.3%
FCF Growth %	313.22%	-84.71%	-1296.01%	43.11%	395.96%	18.47%	-54.74%	-138.24%	535.26%

COSO Banking Ratios

CoastalSouth Bancshares, Inc. (COSO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	4.29%	-25.87%	-0.29%	3.25%	6.56%	10.86%	14.93%	17.81%	12.47%	10.95%
Return on Assets (ROA)	0.35%	-2.5%	-0.03%	0.4%	0.69%	0.89%	1.06%	1.27%	1.06%	1.13%
Net Interest Margin	3.59%	2.97%	3.39%	3.53%	2.78%	2.56%	3.1%	3.17%	3.11%	3.2%
Efficiency Ratio	65.6%	97.16%	85.85%	70.56%	60.74%	62.08%	49.55%	35.38%	33.63%	35.08%
Equity / Assets	8.27%	10.74%	11.61%	13.03%	8.89%	7.75%	6.47%	7.69%	9.3%	11.25%
Book Value / Share	4.3	17.36	11.18	12.72	12.77	15.01	13.42	16.42	18.65	22.53
NII Growth	10.15%	6.37%	25.38%	26.15%	27.75%	29.25%	38.1%	12.87%	1.6%	13.12%

COSO SEC Filings & Documents

CoastalSouth Bancshares, Inc. (COSO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 20, 2026·SEC

Material company update

Mar 4, 2026·SEC

Material company update

Jan 20, 2026·SEC

10-K Annual Reports

FY 2026

Mar 12, 2026·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 11, 2025·SEC

COSO Frequently Asked Questions

CoastalSouth Bancshares, Inc. (COSO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

CoastalSouth Bancshares, Inc. (COSO) grew revenue by 4.7% over the past year. Growth has been modest.

Yes, CoastalSouth Bancshares, Inc. (COSO) is profitable, generating $24.9M in net income for fiscal year 2025 (18.3% net margin).

Dividend & Returns

CoastalSouth Bancshares, Inc. (COSO) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.

Industry Metrics

CoastalSouth Bancshares, Inc. (COSO) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

CoastalSouth Bancshares, Inc. (COSO) has an efficiency ratio of 35.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in COSO back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 20, 2026

$0.51vs $0.56-8.9%

$22Mvs $22M-1.8%

Q2 2026

Mar 4, 2026

$0.58

$35M

Q1 2026

Jan 26, 2026

$0.58vs $0.59-2.5%

$22Mvs $22M+1.2%

Q1 2026

Jan 20, 2026

$0.58vs $0.62-6.5%

$22Mvs $22M+1.2%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

15.79M

19.8M

24.98M

31.91M

41.24M

56.96M

64.29M

65.32M

73.89M

NII Growth %

6.37%

25.38%

26.15%

27.75%

29.25%

38.1%

12.87%

1.6%

13.12%

Net Interest Margin %

2.97%

3.39%

3.53%

2.78%

2.56%

3.1%

3.17%

3.11%

3.2%

Interest Income

17.51M

22.12M

30.26M

37.68M

46M

66.58M

107.02M

123.65M

127.71M

Interest Expense

1.72M

2.32M

5.28M

5.77M

4.75M

9.62M

42.72M

58.33M

53.82M

Loan Loss Provision

4.45M

1.69M

1.87M

3.24M

1.33M

5.08M

-305K

553K

3.2M

Non-Interest Income

1.74M

3.38M

5.8M

6.2M

10.81M

9.8M

7.37M

6.07M

8.07M

Non-Interest Income %

9.05%

13.26%

16.08%

14.12%

19.03%

12.83%

6.44%

4.68%

5.94%

Total Revenue

19.25M▲ 0%

25.5M▲ 32.5%

36.06M▲ 41.4%

43.87M▲ 21.7%

56.81M▲ 29.5%

76.38M▲ 34.4%

114.38M▲ 49.8%

129.72M▲ 13.4%

135.78M▲ 4.7%

Revenue Growth %

-13.98%

32.47%

41.41%

21.67%

29.49%

34.44%

49.75%

13.41%

4.68%

Non-Interest Expense

18.7M

21.89M

25.44M

26.65M

35.27M

37.85M

40.47M

43.62M

47.63M

Efficiency Ratio

97.16%

85.85%

70.56%

60.74%

62.08%

49.55%

35.38%

33.63%

35.08%

Operating Income

-5.62M▲ 0%

-404K▲ 92.8%

3.47M▲ 957.9%

8.22M▲ 137.2%

15.47M▲ 88.1%

23.83M▲ 54.1%

31.5M▲ 32.2%

27.21M▼ 13.6%

31.14M▲ 14.4%

Operating Margin %

-29.2%

-1.58%

9.61%

18.74%

27.22%

31.2%

27.53%

20.98%

22.93%

Operating Income Growth %

-220.05%

92.81%

957.92%

137.19%

88.13%

54.09%

32.15%

-13.59%

14.41%

Pretax Income

-5.62M▲ 0%

-404K▲ 92.8%

3.47M▲ 957.9%

8.22M▲ 137.2%

15.47M▲ 88.1%

23.83M▲ 54.1%

31.5M▲ 32.2%

27.21M▼ 13.6%

31.14M▲ 14.4%

Pretax Margin %

-29.2%

-1.58%

9.61%

18.74%

27.22%

31.2%

27.53%

20.98%

22.93%

Income Tax

3.51M

-223K

863K

1.85M

3.14M

5.64M

7.02M

5.31M

6.24M

Effective Tax Rate %

-62.43%

55.2%

24.9%

22.54%

20.33%

23.67%

22.28%

19.51%

20.05%

Net Income

-11.81M▲ 0%

-181K▲ 98.5%

2.6M▲ 1538.1%

6.37M▲ 144.6%

12.32M▲ 93.5%

18.19M▲ 47.6%

24.48M▲ 34.6%

21.9M▼ 10.5%

24.89M▲ 13.6%

Net Margin %

-61.36%

-0.71%

7.22%

14.51%

21.69%

23.81%

21.4%

16.89%

18.33%

Net Income Growth %

-921.49%

98.47%

1538.12%

144.64%

93.5%

47.62%

34.57%

-10.52%

13.64%

Net Income (Continuing)

-9.13M

-181K

2.6M

6.37M

12.32M

18.19M

24.48M

21.9M

24.89M

EPS (Diluted)

-3.59▲ 0%

-0.03▲ 99.2%

0.36▲ 1308.1%

0.80▲ 122.2%

1.48▲ 85.0%

2.05▲ 38.5%

2.58▲ 25.9%

2.09▼ 19.0%

2.16▲ 3.3%

EPS Growth %

99.17%

1308.05%

122.22%

85%

38.51%

25.85%

-18.99%

3.35%

EPS (Basic)

-3.59

-0.03

0.36

0.80

1.51

2.09

2.61

2.15

2.24

Diluted Shares Outstanding

3.29M

6.07M

7.26M

7.99M

8.32M

8.85M

9.5M

10.47M

11.52M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

151.63M

98.41M

66.09M

126.98M

517.58M

395.08M

403.35M

67.96M

380.8M

Cash & Due from Banks

96.84M

38.54M

4.71M

7.42M

15.35M

19.32M

19.6M

67.96M

41.54M

Short Term Investments

54.79M

59.87M

61.38M

119.56M

502.24M

375.76M

383.75M

339.26M

Total Investments

356.71M

467.11M

608.13M

930.17M

1.31B

1.71B

1.86B

339.26M

Investments Growth %

3.05%

30.95%

30.19%

52.96%

40.61%

30.99%

8.41%

-100%

Long-Term Investments

301.93M

407.24M

546.75M

810.61M

805.65M

1.34B

1.47B

Accounts Receivables

2.01M

2.06M

2.17M

3.75M

3.93M

7.86M

20M

Goodwill & Intangibles

6.32M

6.43M

6.32M

7.56M

6.87M

6.46M

6.39M

6.26M

Goodwill

4.71M

6.26M

Intangible Assets

1.61M

1.72M

1.61M

2.86M

2.16M

1.75M

1.68M

PP&E (Net)

1.17M

12.05M

14.87M

18.51M

20.63M

23.35M

21.6M

21.83M

18.12M

Other Assets

64.45M

44.86M

60.53M

170.29M

240.46M

41.69M

77.93M

-40.75M

Total Current Assets

154.4M

101.49M

69.13M

131.68M

522.86M

404.33M

427.89M

67.96M

79.77M

Total Non-Current Assets

377.57M

482.62M

639.36M

1.02B

1.09B

1.43B

1.6B

2.03B

Total Assets

531.97M▲ 0%

584.11M▲ 9.8%

708.49M▲ 21.3%

1.15B▲ 62.0%

1.61B▲ 40.4%

1.84B▲ 13.9%

2.03B▲ 10.5%

2.1B▲ 3.5%

2.31B▲ 9.9%

Asset Growth %

28.64%

9.8%

21.29%

61.97%

40.45%

13.89%

10.52%

3.46%

9.9%

Return on Assets (ROA)

-2.5%

-0.03%

0.4%

0.69%

0.89%

1.06%

1.27%

1.06%

1.13%

Accounts Payable

Total Debt

105.68M

500K

10M

146.04M

44.59M

140.68M

88.67M

14.73M

30M

Net Debt

8.84M

-38.04M

5.29M

138.62M

29.24M

121.35M

69.07M

-53.23M

-11.54M

Long-Term Debt

75.5M

500K

10M

146.04M

34.59M

122.68M

64.68M

14.73M

30M

Short-Term Debt

30.18M

10M

18M

23.99M

Other Liabilities

1.95M

2.45M

5.1M

7.96M

18.02M

27.36M

33.23M

1.89B

-30M

Total Current Liabilities

397.38M

513.33M

601.09M

891.55M

1.43B

1.57B

1.77B

1.24B

526.87M

Total Non-Current Liabilities

77.45M

2.95M

15.1M

153.99M

52.61M

150.03M

97.91M

1.9B

Total Liabilities

474.83M

516.28M

616.2M

1.05B

1.49B

1.72B

1.87B

1.9B

2.05B

Total Equity

57.14M▲ 0%

67.83M▲ 18.7%

92.29M▲ 36.1%

101.99M▲ 10.5%

124.93M▲ 22.5%

118.8M▼ 4.9%

156.04M▲ 31.4%

195.23M▲ 25.1%

259.53M▲ 32.9%

Equity Growth %

67.11%

18.71%

36.06%

10.5%

22.5%

-4.91%

31.35%

25.11%

32.93%

Equity / Assets (Capital Ratio)

10.74%

11.61%

13.03%

8.89%

7.75%

6.47%

7.69%

9.3%

11.25%

Return on Equity (ROE)

-25.87%

-0.29%

3.25%

6.56%

10.86%

14.93%

17.81%

12.47%

10.95%

Book Value per Share

17.36

11.18

12.72

12.77

15.01

13.42

16.42

18.65

22.53

Tangible BV per Share

17.36

10.13

11.83

11.98

14.10

12.64

15.74

18.04

21.98

Common Stock

5.7M

6.4M

7.96M

7.99M

8.61M

8.96M

9.54M

10.27M

11.98M

Additional Paid-in Capital

90.74M

101.59M

120.76M

121.76M

131.79M

136.6M

145.94M

158.75M

189.88M

Retained Earnings

-39.48M

-39.57M

-36.97M

-30.6M

-18.28M

-86K

20.09M

41.99M

66.89M

Accumulated OCI

170K

-590K

547K

2.84M

2.81M

-26.68M

-19.53M

-15.79M

-9.22M

Treasury Stock

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

27.31M

8.72M

-37.88M

-20.36M

70.88M

83.54M

37.14M

-12.67M

63.13M

Operating CF Growth %

444.62%

-68.07%

-534.4%

46.25%

448.13%

17.86%

-55.54%

-134.11%

598.29%

Net Income

-11.81M

-181K

2.6M

6.37M

12.32M

18.19M

24.48M

21.9M

24.89M

Depreciation & Amortization

505K

699K

1.43M

1.53M

1.92M

2.44M

2.83M

2.7M

2.32M

Deferred Taxes

-2.02M

-181K

786K

61K

-609K

1.54M

-259K

-211K

Other Non-Cash Items

7.99M

3.58M

3.88M

4.07M

57.84M

60.61M

10.16M

-39.51M

32.9M

Working Capital Changes

32.5M

4.22M

-47.48M

-33.42M

-1.78M

-183K

-1.16M

940K

2.27M

Cash from Investing

-45.22M

-33.35M

-97.62M

-298.39M

-226.3M

-502.9M

-176.35M

-17.31M

-224.09M

Purchase of Investments

-20.96M

-27.79M

-14.23M

-83.03M

-177.36M

-144.33M

-22.63M

-50.8M

Sale/Maturity of Investments

16.81M

8.08M

19.43M

17.35M

21.78M

39.44M

65.87M

Net Investment Activity

-11.95M

-10.97M

-6.15M

-63.61M

-160.01M

-122.55M

16.81M

15.06M

Acquisitions

1.92M

18.67M

-88.77M

-227.72M

80.91M

-379.22M

Other Investing

-24.26M

-35.73M

213K

-4.21M

-145.01M

1.03M

-192.85M

-15.9M

-239.16M

Cash from Financing

129.1M

-53.48M

117.08M

426.48M

222.78M

223.97M

158.8M

49.39M

172.77M

Dividends Paid

-24.51M

Share Repurchases

-69K

Stock Issued

39.98M

19.31M

17K

8.84M

12.24M

31.86M

Net Stock Activity

39.98M

19.31M

17K

8.84M

12.24M

31.79M

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

1000K

-1000K

Other Financing

58.83M

21.52M

87.77M

290.46M

324.27M

127.9M

202.01M

84.14M

152.88M

Net Change in Cash

111.19M▲ 0%

-78.1M▼ 170.2%

-18.42M▲ 76.4%

107.73M▲ 684.8%

67.36M▼ 37.5%

-195.4M▼ 390.1%

19.59M▲ 110.0%

19.41M▼ 0.9%

11.81M▼ 39.2%

Exchange Rate Effect

Cash at Beginning

34.61M

145.8M

67.7M

49.27M

157M

224.36M

28.96M

48.55M

67.96M

Cash at End

145.8M

67.7M

49.27M

157M

224.36M

28.96M

48.55M

67.96M

79.77M

Interest Paid

1.99M

5.73M

5.5M

8.05M

36.33M

60.6M

Income Taxes Paid

32K

1.46M

4.42M

3.41M

5.29M

Free Cash Flow

22.31M▲ 0%

3.41M▼ 84.7%

-40.8M▼ 1296.0%

-23.21M▲ 43.1%

68.69M▲ 396.0%

81.38M▲ 18.5%

36.83M▼ 54.7%

-14.08M▼ 138.2%

61.3M▲ 535.3%

FCF Growth %

313.22%

-84.71%

-1296.01%

43.11%

395.96%

18.47%

-54.74%

-138.24%

535.26%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

4.29%

-25.87%

-0.29%

3.25%

6.56%

10.86%

14.93%

17.81%

12.47%

10.95%

Return on Assets (ROA)

0.35%

-2.5%

-0.03%

0.4%

0.69%

0.89%

1.06%

1.27%

1.06%

1.13%

Net Interest Margin

3.59%

2.97%

3.39%

3.53%

2.78%

2.56%

3.1%

3.17%

3.11%

3.2%

Efficiency Ratio

65.6%

97.16%

85.85%

70.56%

60.74%

62.08%

49.55%

35.38%

33.63%

35.08%

Equity / Assets

8.27%

10.74%

11.61%

13.03%

8.89%

7.75%

6.47%

7.69%

9.3%

11.25%

Book Value / Share

4.3

17.36

11.18

12.72

12.77

15.01

13.42

16.42

18.65

22.53

NII Growth

10.15%

6.37%

25.38%

26.15%

27.75%

29.25%

38.1%

12.87%

1.6%

13.12%

CoastalSouth Bancshares, Inc.(COSO)Earnings, Financials & Key Ratios

COSO Key Insights

✓Strengths

✗Weaknesses

COSO Price & Volume

COSO Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

COSO Recent Earnings

COSO Peer Comparison

Compare COSO vs Peers

vs SFST

vs FISV

Compare Top 5

COSO Income Statement

COSO Balance Sheet

COSO Cash Flow Statement

COSO Banking Ratios

COSO SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

COSO Frequently Asked Questions

CoastalSouth Bancshares, Inc.(COSO)Earnings, Financials & Key Ratios

COSO Key Insights

✓Strengths

✗Weaknesses

COSO Price & Volume

COSO Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

COSO Recent Earnings

COSO Peer Comparison

Compare COSO vs Peers

vs SFST

vs FISV

Compare Top 5

COSO Income Statement

COSO Balance Sheet

COSO Cash Flow Statement

COSO Banking Ratios

COSO SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

COSO Frequently Asked Questions