CoastalSouth Bancshares, Inc.
COSO NYSE· State Commercial Banks
Last close · Oct 23, 2026
$27.92
KIRA · Stoqly’s AI analyst, in plain words
- CoastalSouth Bancshares, Inc. had $2.0M of revenue in fiscal 2025, up 6.4% on the year before.
- CoastalSouth Bancshares, Inc. made $24.9M of net profit in fiscal 2025. From fiscal 2024 to 2025, diluted EPS grew 3.3% a year.
- CoastalSouth Bancshares, Inc. returned $0.1M to shareholders in fiscal 2025, 0% of free cash flow. The diluted share count rose 10.0%.
- It earned 10.9% on shareholders’ money. Running costs took 2,399.4% of revenue (the efficiency ratio; lower is better).
Market cap
$348M
P/E
12.6x
Revenue
$2.0M
Net income
$24.9M
Return on equity
10.9%
Efficiency ratio
2,399.4%
CoastalSouth Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+6.4%
Yes. Sales grew 6.4% last year.
Does it make a profit?
1,254.0%
Yes. It keeps 1,254.0% of every sale as profit.
How lean are its costs?
2,399.4%
Costly. Running costs take 2,399.4% of revenue.
How much does it earn on its capital?
10.9%
Fair. It earns 10.9% a year on shareholders’ money.
How is the share priced?
12.6x
One share costs 12.6 times its yearly profit per share.
What CoastalSouth Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- CoastalSouth Bancshares, Inc.
- CIK
- 0001297107
CoastalSouth Bancshares, Inc. · COSO
Results and finances
The last 2 fiscal years. Amounts in USD.
| Fiscal year | FY24 | FY25 |
|---|---|---|
| Sales and profit | ||
| Revenue | $1.9M | $2.0M |
| Revenue growth | — | 6.4% |
| Net interest income | $65.3M | $73.9M |
| Net income | $21.9M | $24.9M |
| Net margin | 1,174.5% | 1,254.0% |
| Diluted EPS | $2.09 | $2.16 |
| Cash | ||
| Cash from operations | −$12.7M | $63.1M |
| Capital expenditure | $1.4M | $1.8M |
| Free cash flow | −$14.1M | $61.3M |
| FCF margin | −755.1% | 3,088.1% |
| Share buybacks | — | $0.1M |
| Share count change | — | 10.0% |
| Debt and strength | ||
| Cash and short-term investments | $68.0M | $79.8M |
| Loans, net | $1.4B | $1.6B |
| Deposits | $1.8B | $2.0B |
| Shareholders' equity | $195M | $260M |
| Returns and quality | ||
| Return on equity | 11.2% | 10.9% |
| Return on tangible equity | 11.6% | 9.8% |
| Efficiency ratio | 2,255.7% | 2,399.4% |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.3M
2 insiders
Of sales under plans
10%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
CoastalSouth Bancshares, Inc. · COSO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $27.92 a share, the company is worth $348M: 12.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001297107). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.