NYSE · Financial Statements

CoastalSouth Bancshares, Inc. (COSO) Financial Statements

$27.92 NYSE: COSO Market Cap $333.77M

CoastalSouth Bancshares, Inc. most recently reported annual revenue of $136.0M, net profit of $25.0M. Revenue grew at an average annual rate of 25.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

CoastalSouth Bancshares, Inc.: Revenue rose from $22.0M in 2016 to $136.0M in 2025, a change of +518.2% over 9 years; net profit was positive in 8 of 10 reported years; operating margin moved from 20.9% to 22.9%, a shift of +2.0 percentage points; the most recent year shows net profit of $25.0M.

Income Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	$22.0M	$19.0M	$26.0M	$36.0M	$44.0M	$57.0M	$76.0M	$114.0M	$130.0M	$136.0M
Operating Expenses	$18.0M	$25.0M	$26.0M	$33.0M	$36.0M	$41.0M	$53.0M	$83.0M	$103.0M	$105.0M
Operating Profit	$5.0M	$-6.0M	$0	$3.0M	$8.0M	$15.0M	$24.0M	$31.0M	$27.0M	$31.0M
Operating Margin	20.9%	-29.2%	-1.6%	9.6%	18.7%	27.2%	31.2%	27.5%	21.0%	22.9%
Other Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest	$2.0M	$2.0M	$2.0M	$5.0M	$6.0M	$5.0M	$10.0M	$43.0M	$58.0M	$54.0M
Depreciation	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$1.0M	$2.0M	$2.0M	$2.0M	$2.0M
Profit Before Tax	$5.0M	$-6.0M	$0	$3.0M	$8.0M	$15.0M	$24.0M	$31.0M	$27.0M	$31.0M
Tax	$35.3M	$-62.4M	$55.2M	$24.9M	$22.5M	$20.3M	$23.7M	$22.3M	$19.5M	$20.1M
Net Profit	$1.0M	$-12.0M	$0	$3.0M	$6.0M	$12.0M	$18.0M	$24.0M	$22.0M	$25.0M
EPS	$-0.01	$-3.59	$-0.03	$0.36	$0.80	$1.48	$2.05	$2.58	$2.09	$2.16
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$29.0M	$33.0M	$27.0M	$33.0M	$36.0M	$32.0M	$32.0M	$34.0M	$35.0M	$35.0M	$35.0M	$36.0M
Operating Expenses	$22.0M	$24.0M	$24.0M	$25.0M	$25.0M	$26.0M	$25.0M	$27.0M	$26.0M	$27.0M	$26.0M	$27.0M
Operating Profit	$6.0M	$9.0M	$3.0M	$7.0M	$10.0M	$7.0M	$7.0M	$7.0M	$9.0M	$9.0M	$8.0M	$9.0M
Operating Margin	21.7%	27.1%	10.9%	22.8%	28.5%	20.5%	20.8%	20.9%	25.1%	24.7%	24.0%	24.7%
Interest	$12.0M	$13.0M	$14.0M	$14.0M	$16.0M	$14.0M	$13.0M	$14.0M	$14.0M	$13.0M	$13.0M	$13.0M
Profit Before Tax	$6.0M	$9.0M	$3.0M	$7.0M	$10.0M	$7.0M	$7.0M	$7.0M	$9.0M	$9.0M	$8.0M	$9.0M
Tax	$23.6M	$19.6M	$18.4M	$21.1M	$22.1M	$14.3M	$23.4M	$15.1M	$23.2M	$18.3M	$23.6M	$17.0M
Net Profit	$5.0M	$7.0M	$2.0M	$6.0M	$8.0M	$6.0M	$5.0M	$6.0M	$7.0M	$7.0M	$6.0M	$7.0M
EPS	$0.50	$0.74	$0.24	$0.56	$0.75	$0.54	$0.47	$0.56	$0.55	$0.58	$0.51	$0.59

Over the 10 years reported for CoastalSouth Bancshares, Inc., borrowings decreased from $38.0M in 2016 to $30.0M in 2025, cash stood at $42.0M in the latest year, shareholders' equity was $12.0M, current assets covered current liabilities 0.15 times.

Balance Sheet — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	$414.0M	$532.0M	$584.0M	$708.0M	$1.1B	$1.6B	$1.8B	$2.0B	$2.1B	$2.3B
Current Assets	$65.0M	$154.0M	$101.0M	$69.0M	$132.0M	$523.0M	$404.0M	$428.0M	$68.0M	$80.0M
Cash	$19.0M	$97.0M	$39.0M	$5.0M	$7.0M	$15.0M	$19.0M	$20.0M	$68.0M	$42.0M
Inventory	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Receivables	$4.0M	$2.0M	$2.0M	$2.0M	$4.0M	$4.0M	$8.0M	$23.0M	$0	$0
Fixed Assets	$2.0M	$1.0M	$12.0M	$15.0M	$19.0M	$21.0M	$23.0M	$22.0M	$22.0M	$18.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$346.0M	$357.0M	$467.0M	$608.0M	$930.0M	$1.3B	$1.7B	$1.9B	$0	$339.0M
Other Assets	$0	$0	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$5.0M	$6.0M
Total Liabilities	$379.0M	$475.0M	$516.0M	$616.0M	$1.0B	$1.5B	$1.7B	$1.9B	$1.9B	$2.0B
Current Liabilities	$340.0M	$397.0M	$513.0M	$601.0M	$892.0M	$1.4B	$1.6B	$1.8B	$1.2B	$527.0M
Borrowings	$38.0M	$106.0M	$1.0M	$10.0M	$146.0M	$45.0M	$141.0M	$89.0M	$15.0M	$30.0M
Other Liabilities	$341.0M	$369.0M	$516.0M	$606.0M	$900.0M	$1.4B	$1.6B	$1.8B	$1.9B	$2.0B
Equity	$37.0M	$6.0M	$6.0M	$8.0M	$8.0M	$9.0M	$9.0M	$10.0M	$10.0M	$12.0M
Reserves	$34.0M	$57.0M	$68.0M	$92.0M	$102.0M	$125.0M	$119.0M	$156.0M	$195.0M	$260.0M

For CoastalSouth Bancshares, Inc., operating cash flow was positive in 6 of 10 reported years; free cash flow in the latest year was $61.0M; free cash flow was positive in 6 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating Cash Flow	$-8.0M	$27.0M	$9.0M	$-38.0M	$-20.0M	$71.0M	$84.0M	$37.0M	$-13.0M	$63.0M
Investing Cash Flow	$20.0M	$-44.0M	$-39.0M	$-101.0M	$-301.0M	$-228.0M	$-505.0M	$-177.0M	$-19.0M	$-226.0M
Financing Cash Flow	$17.0M	$59.0M	$22.0M	$88.0M	$290.0M	$324.0M	$128.0M	$202.0M	$84.0M	$153.0M
Net Cash Flow	$19.0M	$111.0M	$-78.0M	$-18.0M	$108.0M	$67.0M	$-195.0M	$20.0M	$19.0M	$12.0M
Free Cash Flow	$-10.0M	$22.0M	$3.0M	$-41.0M	$-23.0M	$69.0M	$81.0M	$37.0M	$-14.0M	$61.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-3.97
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	27.33%
Return 3Y	—
Return 5Y	—

CoastalSouth Bancshares, Inc. (COSO) financials — frequently asked questions

What is CoastalSouth Bancshares, Inc.'s annual revenue?

CoastalSouth Bancshares, Inc. (COSO) reported annual revenue of $136.0M in its most recent fiscal year.

What is CoastalSouth Bancshares, Inc.'s net profit?

CoastalSouth Bancshares, Inc. (COSO) reported net profit of $25.0M in its most recent fiscal year.

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