Get started

Financials · COSO

CoastalSouth Bancshares Inc. (COSO) financials

For the twelve months ended Sep 30, 2026, CoastalSouth Bancshares Inc. reported $91.59M of revenue and $29.57M of net income.

Revenue, TTM
$91.59M
Revenue growth, YoY
+17.4%
Net income, TTM
$29.57M
Net income growth, YoY
+26.0%
Net margin
32.3%
Free cash flow, TTM
$173.11M
EPS, diluted, TTM
$2.39
Cash
$45.22M
P/E
11.29
P/S
3.64
Market cap
$333.8M
Annual revenue$81.96M
FY2024FY2025
Annual net income$24.89M
FY2024FY2025
Annual free cash flow$61.30M
FY2024FY2025

COSO revenue and earnings growth

COSO revenueQ3 2026$24.86M

Quarter YoY
+16.7%
QoQ
+8.7%
FY YoY
+17.4%

COSO revenue was $24.86M in fiscal Q3 2026 (ended Sep 30, 2026), up 16.7% from a year earlier and up 8.7% from the prior quarter. For the full fiscal 2025 it was $81.96M, up 17.4% from fiscal 2024.

COSO net incomeQ3 2026$8.77M

Quarter YoY
+30.1%
QoQ
+19.6%
FY YoY
+13.6%

COSO net income was $8.77M in fiscal Q3 2026 (ended Sep 30, 2026), up 30.1% from a year earlier and up 19.6% from the prior quarter. For the full fiscal 2025 it was $24.89M, up 13.6% from fiscal 2024.

COSO EPSQ3 2026$0.71

Quarter YoY
+31.5%
QoQ
+20.3%
FY YoY
+3.3%

COSO diluted EPS was $0.71 in fiscal Q3 2026 (ended Sep 30, 2026), up 31.5% from a year earlier and up 20.3% from the prior quarter. For the full fiscal 2025 it was $2.16, up 3.3% from fiscal 2024.

COSO free cash flowQ3 2026$100.11M

QoQ
+947.4%

COSO free cash flow was $100.11M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$5.91M a year earlier and up 947.4% from the prior quarter. For the full fiscal 2025 it was $61.30M, compared with -$14.08M in fiscal 2024.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Revenue$81.96M$69.84M
Selling, general and admin$1.25M$993.0K
Pre-tax income$31.14M$27.21M
Income tax$6.24M$5.31M
Net income$24.89M$21.90M
EPS, basic$2.24$2.15
EPS, diluted$2.16$2.09
Diluted shares11.5M10.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Cash and equivalents$79.77M$67.96M
Goodwill$4.71M$4.71M
Total assets$2.31B$2.10B
Total liabilities$2.05B$1.90B
Shareholders' equity$259.53M$195.23M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Operating cash flow$63.13M-$12.67M
Capital expenditures$1.83M$1.41M
Free cash flow$61.30M-$14.08M
Investing cash flow-$224.09M-$17.31M
Financing cash flow$172.77M$49.39M
Share repurchases$69.0K-
Depreciation and amortization$1.50M$1.33M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
Revenue growth, YoY17.4%-
Net income growth, YoY13.6%-
EPS growth, YoY3.3%-
Net margin30.4%31.4%
Free cash flow margin74.8%-20.2%
Return on equity9.6%11.2%
Return on assets1.1%1.0%

Source: XBRL data CoastalSouth Bancshares Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

COSO peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
COSO$91.59M+17.4%$29.57M32.3%$333.8M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

COSO FAQ

8 questions
  • What is COSO revenue?
    CoastalSouth Bancshares Inc. (COSO) reported $91.59M of revenue for the twelve months ended Sep 30, 2026. That is up 17.4% from the year before. Revenue for fiscal 2025 was $81.96M.
  • Is COSO profitable?
    Yes. CoastalSouth Bancshares Inc. earned $29.57M in net income for the twelve months ended Sep 30, 2026, a net margin of 32.3%.
  • How much cash and debt does COSO have?
    CoastalSouth Bancshares Inc. reported $45.22M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is COSO revenue growing?
    CoastalSouth Bancshares Inc.'s revenue changed +17.4% in fiscal 2025, to $81.96M.
  • What is COSO free cash flow?
    CoastalSouth Bancshares Inc. generated $173.11M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $174.96M less capital expenditures.
  • What is COSO earnings per share?
    Diluted earnings per share were $2.39 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did COSO last report financial results?
    The latest statements here come from CoastalSouth Bancshares Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this COSO financial data come from?
    Quantisnow builds these statements from the structured XBRL data CoastalSouth Bancshares Inc. files with the SEC. It is provided for information only and is not investment advice.