CoastalSouth Bancshares, Inc. (COSO) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, CoastalSouth Bancshares reported revenue of $82.0M. Net income was $24.9M (a 30.4% net margin), or $2.16 per diluted share. Net interest income was $73.9M, and the efficiency ratio (noninterest expense / revenue) was 58.1%. Operating activities generated $63.1M of cash, leaving $61.3M of free cash flow. At fiscal year end, CoastalSouth Bancshares held $2.31B in total assets against $2.05B in total liabilities.
Open the full interactive CoastalSouth Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
CoastalSouth Bancshares Key Stats
| Share Price | $27.04 |
|---|---|
| Market Cap | $336.6M |
| P/E Ratio | 12.5 |
| 52-Week Range | $20.97 – $28.01 |
| Shares Outstanding | 12.0 million (basic, 2026 Q2) |
CoastalSouth Bancshares Income Statement
| FY 2025 | |
|---|---|
| Net Interest Income | $73.9M |
| Provision for Credit Losses | $3.2M |
| Noninterest Income | $8.1M |
| Noninterest Expense | $47.6M |
| Revenue | $82.0M |
| Pre-Tax Income | $31.1M |
| Income Tax | $6.2M |
| Net Income | $24.9M |
| Diluted EPS | $2.16 |
CoastalSouth Bancshares Quarterly Results
| 2025 Q2 | 2025 Q3 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $19.9M | $21.3M | $21.7M | $22.9M |
| Net Income | $6.0M | $6.7M | $6.3M | $7.3M |
| Diluted EPS | $0.57 | $0.54 | $0.51 | $0.59 |
CoastalSouth Bancshares Balance Sheet
| FY 2025 | |
|---|---|
| Loans (Net) | $1.60B |
| Total Assets | $2.31B |
| Deposits | $1.99B |
| Total Long-Term Debt | $30.0M |
| Total Liabilities | $2.05B |
| Shareholders' Equity | $259.5M |
CoastalSouth Bancshares Cash Flow Statement
| FY 2025 | |
|---|---|
| Cash From Operations | $63.1M |
| Cash From Investing | -$224.1M |
| Cash From Financing | $172.8M |
| Free Cash Flow | $61.3M |
Figures from CoastalSouth Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full CoastalSouth Bancshares financials page for every line item.
CoastalSouth Bancshares Company Profile
| Ticker | COSO |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Atlanta, Georgia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001297107 |
Frequently Asked Questions
What was CoastalSouth Bancshares' revenue in fiscal 2025?
CoastalSouth Bancshares (COSO) reported revenue of $82.0M for fiscal 2025.
What was CoastalSouth Bancshares' net income in fiscal 2025?
CoastalSouth Bancshares reported net income of $24.9M for fiscal 2025.
What was CoastalSouth Bancshares' earnings per share (EPS) in fiscal 2025?
CoastalSouth Bancshares' diluted EPS was $2.16 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did CoastalSouth Bancshares generate in fiscal 2025?
CoastalSouth Bancshares generated $61.3M of free cash flow in fiscal 2025.
What was CoastalSouth Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), CoastalSouth Bancshares reported revenue of $22.9M.
How much debt does CoastalSouth Bancshares have?
CoastalSouth Bancshares reported $30.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of CoastalSouth Bancshares are outstanding?
CoastalSouth Bancshares reported a weighted average of 12.0 million basic shares outstanding in 2026 Q2.
What is CoastalSouth Bancshares' market cap?
Based on its latest closing price, CoastalSouth Bancshares (COSO) has a market capitalization of about $336.6M.
When does CoastalSouth Bancshares' fiscal year end?
CoastalSouth Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is CoastalSouth Bancshares headquartered?
CoastalSouth Bancshares lists its business address in Atlanta, Georgia in its SEC filings.