CoastalSouth Bancshares, Inc.
COSO NYSE State Commercial Banks Financials FY2024–FY2025
Last close · Oct 23, 2026
$27.92
0.4%What CoastalSouth Bancshares, Inc. does
No business description yet.
- Legal name
- CoastalSouth Bancshares, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Accession · CIK
- 0001193125-26-104114
0001297107
Revenue and margins
CoastalSouth Bancshares, Inc. had $2.0M of revenue in fiscal 2025, up 6.4% on the year before.
Net income and earnings per share
From fiscal 2024 to 2025, diluted EPS grew 3.3% a year. Loss periods are shown in red.
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
Dividends, buybacks and share count
CoastalSouth Bancshares, Inc. returned $0.1M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count rose 10.0%.
Balance sheet
Loans, deposits and capital at each fiscal year end.
| Fiscal year end | FY24 | FY25 |
|---|---|---|
| Loans, net | $1.4B | $1.6B |
| Deposits | $1.8B | $2.0B |
| Loans / deposits | 75.9% | 80.4% |
| Total assets | $2.1B | $2.3B |
| Shareholders' equity | $195M | $260M |
| Goodwill | $4.7M | $4.7M |
| Intangible assets | $1.7M | $1.6M |
| Provision / loans | 0.0% | 0.2% |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
2 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Income statement | ||
| Revenue | $1.9M | $2.0M |
| Net interest income | $65.3M | $73.9M |
| Noninterest income | $4.5M | $8.1M |
| Noninterest expense | $42.1M | $47.6M |
| Provision for credit losses | $0.6M | $3.2M |
| Pretax income | $27.2M | $31.1M |
| Income tax | $5.3M | $6.2M |
| Net income | $21.9M | $24.9M |
| Diluted EPS | $2.09 | $2.16 |
| Diluted shares | 0.01B | 0.01B |
| Cash flow | ||
| Cash from operations | −$12.7M | $63.1M |
| Capital expenditure | $1.4M | $1.8M |
| Free cash flow | −$14.1M | $61.3M |
| Depreciation and amortization | $1.3M | $1.5M |
| Stock-based compensation | $1.3M | $0.9M |
| Share buybacks | — | $0.1M |
| Dividends and buybacks | — | $0.1M |
| Balance sheet | ||
| Cash and short-term investments | $68.0M | $79.8M |
| Finance lease liabilities | $0.0M | $0.0M |
| Loans, net | $1.4B | $1.6B |
| Deposits | $1.8B | $2.0B |
| Property and equipment, net | $17.8M | $18.1M |
| Goodwill | $4.7M | $4.7M |
| Intangible assets | $1.7M | $1.6M |
| Total assets | $2.1B | $2.3B |
| Total liabilities | $1.9B | $2.0B |
| Preferred stock | $0.0M | $0.0M |
| Shareholders' equity | $195M | $260M |
| Margins | ||
| Net margin | 1,174.5% | 1,254.0% |
| FCF margin | −755.1% | 3,088.1% |
| Net interest share of revenue | 3,502.5% | 3,722.4% |
| Efficiency ratio | 2,255.7% | 2,399.4% |
| Returns | ||
| Return on equity | 11.2% | 10.9% |
| Return on assets | 1.0% | 1.1% |
| Return on tangible equity | 11.6% | 9.8% |
| Growth | ||
| Revenue growth | — | 6.4% |
| Net income growth | — | 13.6% |
| EPS growth | — | 3.3% |
| Share count change | — | 10.0% |
| Financial health | ||
| Loans / deposits | 75.9% | 80.4% |
| Provision / loans | 0.0% | 0.2% |
| Capital allocation | ||
| Capex / revenue | 75.8% | 92.2% |
| Stock comp / revenue | 69.5% | 47.7% |
| Payouts / FCF | — | 0.1% |
| Quality scores | ||
| Accruals ratio | 1.6% | −1.7% |
Source: SEC EDGAR XBRL filings (CIK 0001297107). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.