This page shows Coastalsouth Ban (COSO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet expansion kept asset returns near 1.1% while a thicker capital base lowered leverage and softened shareholder returns.
Net income increased from$21.9M to$24.9M , but return on equity still fell. That combination usually means the institution is operating with a larger capital cushion: equity expanded faster than profit, so shareholders own a thicker slice of the balance sheet and each dollar of capital is being pushed less hard for returns.
Total assets reached
Cash conversion improved sharply: operating cash flow moved from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Coastalsouth Ban's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Coastalsouth Ban passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), neither operating efficiency signal passes.
For every $1 of reported earnings, Coastalsouth Ban generates $2.54 in operating cash flow ($63.1M OCF vs $24.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Coastalsouth Ban generated $2.0M in revenue in fiscal year 2025. This represents an increase of 6.4% from the prior year.
Coastalsouth Ban reported $24.9M in net income in fiscal year 2025. This represents an increase of 13.6% from the prior year.
Coastalsouth Ban earned $2.16 per diluted share (EPS) in fiscal year 2025. This represents an increase of 3.3% from the prior year.
Cash & Balance Sheet
Coastalsouth Ban generated $61.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 535.3% from the prior year.
Coastalsouth Ban held $79.8M in cash against $0 in long-term debt as of fiscal year 2025.
Margins & Returns
Coastalsouth Ban's net profit margin was 1254.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 79.5 percentage points from the prior year.
Coastalsouth Ban's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.6 percentage points from the prior year.
Capital Allocation
Coastalsouth Ban spent $69K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
Coastalsouth Ban invested $1.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 29.4% from the prior year.
COSO Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $519K-3.4% | $537K+15.7% | $464K-4.7% | $487K-2.0% | $497K | N/A | $427K-19.1% | $528K |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $8.0M+141.4% | -$19.4M-378.2% | $7.0M-0.2% | $7.0M+4.5% | $6.7M | N/A | $6.7M+1.1% | $6.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $12.8M-2.4% | $13.1M-4.1% | $13.7M-0.1% | $13.7M+3.4% | $13.3M | N/A | $15.6M+7.7% | $14.5M |
| Income Tax | $2.0M+22.4% | $1.6M-21.7% | $2.0M+91.7% | $1.1M-31.0% | $1.5M | N/A | $2.2M+41.8% | $1.6M |
| Net Income | $6.3M-11.3% | $7.1M+5.9% | $6.7M+13.0% | $6.0M+18.1% | $5.0M | N/A | $7.9M+33.9% | $5.9M |
| EPS (Diluted) | $0.51 | N/A | $0.54-5.3% | $0.57+21.3% | $0.47 | N/A | $0.75+33.9% | $0.56 |
COSO Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.3B+1.8% | $2.3B+2.3% | $2.3B+1.5% | $2.2B | N/A | $2.1B | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $62.6M-21.6% | $79.8M+203.5% | $26.3M-39.3% | $43.3M-56.1% | $98.5M+45.0% | $68.0M+10.8% | $61.3M-3.3% | $63.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $4.7M0.0% | $4.7M0.0% | $4.7M0.0% | $4.7M | N/A | $4.7M | N/A | N/A |
| Total Liabilities | $2.1B+1.9% | $2.0B+2.1% | $2.0B-0.3% | $2.0B | N/A | $1.9B | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $262.9M+1.3% | $259.5M+3.6% | $250.4M+19.6% | $209.4M+3.6% | $202.1M+3.5% | $195.2M+1.0% | $193.3M+7.3% | $180.2M |
| Retained Earnings | $72.6M+8.5% | $66.9M+11.9% | $59.8M+12.7% | $53.0M | N/A | $42.0M | N/A | N/A |
COSO Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$20.6M-124.1% | $85.5M+1655.7% | -$5.5M+64.9% | -$15.6M-1194.5% | -$1.2M-103.2% | $37.8M+1658.8% | -$2.4M | N/A |
| Capital Expenditures | $1.1M+235.6% | $326K-20.9% | $412K-41.0% | $698K+77.2% | $394K+48.7% | $265K-60.8% | $676K | N/A |
| Free Cash Flow | -$21.7M-125.5% | $85.1M+1541.6% | -$5.9M+63.8% | -$16.3M-919.7% | -$1.6M-104.3% | $37.5M+1310.2% | -$3.1M | N/A |
| Investing Cash Flow | -$35.4M+52.8% | -$75.0M-115.8% | -$34.7M+45.9% | -$64.3M-28.2% | -$50.1M-1284.7% | -$3.6M-154.9% | -$1.4M | N/A |
| Financing Cash Flow | $38.8M-9.7% | $43.0M+85.1% | $23.2M-5.8% | $24.6M-69.9% | $81.9M+397.6% | -$27.5M-1695.0% | $1.7M | N/A |
| Dividends Paid | $599K | N/A | N/A | N/A | $0 | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
COSO Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 1219.5%-109.4pp | 1328.9%-123.9pp | 1452.8%+228.0pp | 1224.8%+208.8pp | 1016.1% | N/A | 1846.4%+731.4pp | 1115.0% |
| Return on Equity | 2.4%-0.3pp | 2.8%+0.1pp | 2.7%-0.2pp | 2.9%+0.3pp | 2.5% | N/A | 4.1%+0.8pp | 3.3% |
| Return on Assets | 0.3%-0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3% | N/A | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.93+0.0 | 7.89-0.1 | 8.01-1.6 | 9.61 | N/A | 9.75 | N/A | N/A |
| FCF Margin | -4181.3%-20036.4pp | 15855.1%+17128.0pp | -1272.8%+2081.6pp | -3354.4%-3032.1pp | -322.3% | N/A | -725.8% | N/A |
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Frequently Asked Questions
What is Coastalsouth Ban's annual revenue?
Coastalsouth Ban (COSO) reported $2.0M in total revenue for fiscal year 2025. This represents a 6.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Coastalsouth Ban's revenue growing?
Coastalsouth Ban (COSO) revenue grew by 6.4% year-over-year, from $1.9M to $2.0M in fiscal year 2025.
Is Coastalsouth Ban profitable?
Yes, Coastalsouth Ban (COSO) reported a net income of $24.9M in fiscal year 2025, with a net profit margin of 1254.0%.
What is Coastalsouth Ban's net profit margin?
Coastalsouth Ban (COSO) had a net profit margin of 1254.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Coastalsouth Ban's return on equity (ROE)?
Coastalsouth Ban (COSO) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Coastalsouth Ban's free cash flow?
Coastalsouth Ban (COSO) generated $61.3M in free cash flow during fiscal year 2025. This represents a 535.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Coastalsouth Ban's operating cash flow?
Coastalsouth Ban (COSO) generated $63.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Coastalsouth Ban's total assets?
Coastalsouth Ban (COSO) had $2.3B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Coastalsouth Ban's capital expenditures?
Coastalsouth Ban (COSO) invested $1.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Coastalsouth Ban's debt-to-equity ratio?
Coastalsouth Ban (COSO) had a debt-to-equity ratio of 7.89 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Coastalsouth Ban's return on assets (ROA)?
Coastalsouth Ban (COSO) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Coastalsouth Ban's Piotroski F-Score?
Coastalsouth Ban (COSO) has a Piotroski F-Score of 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Coastalsouth Ban's earnings high quality?
Coastalsouth Ban (COSO) has an earnings quality ratio of 2.54x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Coastalsouth Ban?
Coastalsouth Ban (COSO) scores 68 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.