CoastalSouth Bancshares, Inc.
COSO
Analytical Summary
CoastalSouth Bancshares, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.
10-Year Financial Trajectory
QuarterlyBullish Indicators
- Operating Margin (%)Operating Margin (%) is in the top quartile
- Profit Margin (%)Profit Margin (%) is in the top quartile
Bearish Risks
- No bearish risks detected.
Health Breakdown
Dividend History
Dividend / share · sourced from SEC filingsNo annual dividend data reported to the SEC.
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue Growth YoY (%) |
16.5%
Good
↑
Good
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+175%)
|
— |
6.8%
Fair
Fair
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+14%)
|
8.7%
Fair
Fair
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+44%)
|
— | — | — | — | — | — |
| EPS Growth YoY (%) |
8.2%
Fair
↑
Fair
Improving
Year-over-year change in earnings per share
Optimal:
> 10%
|
7.1%
Fair
↑
Fair
Improving
Year-over-year change in earnings per share
Optimal:
> 10%
|
-26.0%
Weak
Weak
Year-over-year change in earnings per share
Optimal:
> 10%
|
0.0%
Caution
Caution
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — | — | — | — | — |
| Net Income Growth YoY (%) |
25.3%
Excellent
↑
Excellent
Improving
Year-over-year change in net income |
25.1%
Excellent
↑
Excellent
Improving
Year-over-year change in net income |
-14.5%
Weak
Weak
Year-over-year change in net income |
1.3%
Caution
Caution
Year-over-year change in net income |
— | — | — | — | — | — |
| FCF Growth YoY (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin (%) (%) |
38.2%
Excellent
→
Excellent
Stable
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+53%)
|
— |
41.2%
Excellent
↑
Excellent
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+65%)
|
35.4%
Excellent
↓
Excellent
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+41%)
|
35.4%
Excellent
↓
Excellent
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+41%)
|
— |
50.8%
Excellent
Excellent
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+103%)
|
40.8%
Excellent
Excellent
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+63%)
|
— | — |
| Effective Tax Rate (%) (%) |
23.6%
Fair
↑
Fair
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
18.3%
Good
↓
Good
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
23.2%
Fair
↑
Fair
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
15.1%
Good
↓
Good
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
23.4%
Fair
↑
Fair
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
14.3%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
22.1%
Fair
Fair
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
21.1%
Fair
Fair
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— | — |
| Profit Margin (%) (%) |
29.2%
Excellent
↓
Excellent
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+33%)
|
— |
31.7%
Excellent
↑
Excellent
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+44%)
|
30.0%
Excellent
↓
Excellent
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+36%)
|
27.1%
Excellent
↓
Excellent
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+23%)
|
— |
39.6%
Excellent
Excellent
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+80%)
|
32.2%
Excellent
Excellent
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+46%)
|
— | — |
| FCF Margin (%) (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF / Net Income (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Invested Capital (%) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Capital (%) (%) |
0.3%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
0.3%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.3%
Weak
↑
Weak
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
0.3%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— |
0.3%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — | — | — |
| Return on Common Equity (%) (%) |
2.4%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-80%)
|
2.7%
Weak
→
Weak
Stable
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-77%)
|
2.7%
Weak
→
Weak
Stable
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-78%)
|
2.8%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-76%)
|
2.5%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-79%)
|
2.9%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-76%)
|
4.1%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-66%)
|
3.3%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-73%)
|
— | — |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Debt (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt / EBITDA (x) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital (USD) N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity (USD) | $262.92M | $259.53M | $250.44M | $209.37M | $202.10M | $195.23M | $193.30M | $180.17M | $173.23M | $156.04M |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $21.71M | — | $21.29M | $19.87M | $18.64M | — | $19.93M | $18.29M | — | — |
| Depreciation Expense (USD) | $406.00K | $390.00K | $392.00K | $369.00K | $353.00K | $351.00K | $327.00K | — | — | — |
| Net Income, GAAP (USD) | $6.33M | $7.14M | $6.74M | $5.96M | $5.05M | $5.70M | $7.88M | $5.89M | — | — |
| Operating Cash Flow (USD) | $-20.61M | $85.47M | $-5.49M | $-15.64M | $-1.21M | $37.77M | $-2.42M | — | — | — |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Margin (approx.) (%) | 3.4% | 3.4% | 3.4% | 3.3% | — | 3.1% | — | — | — | — |
| Efficiency Ratio (%) (%) | 60.1% | — | 55.7% | 60.8% | 61.3% | — | 54.3% | 58.2% | — | — |
Secondary lens
Benchmark Lens
Compare COSO against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare COSO against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for COSO
Operating Margin (%) is in the top quartile
Profit Margin (%) is in the top quartile
No bearish signals detected
Percentile Rankings
How COSO compares to all companies
Peer Comparison
COSO vs similar peers
Compare COSO with peers
Stack COSO against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 3 years · 10 quarters