CoastalSouth Bancshares, Inc. (COSO) Income Statement
COSO 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCOSO revenue and net income
Where COSO's revenue goes
2025Each bar shows an amount and its share of revenue. COSO kept 18.3% of revenue as net income.
COSO profit margins
COSO growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +4.7% | +21.1% | +25.4% | +17.1% |
| Gross profit | +11.2% | +8.5% | +17.7% | +10.9% |
| Operating income | +14.4% | +9.3% | +30.5% | +31.3% |
| Net income | +13.6% | +11.0% | +31.3% | +33.5% |
| EPS (diluted) | +3.3% | +1.9% | +15.3% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
COSO quarterly EPS vs estimates
CoastalSouth Bancshares beat the analyst EPS estimate in 2 of the last 6 quarters. Next report: October 19, 2026 (estimate $0.59).
COSO income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $135.8M | $129.7M | $114.4M | $76.4M | $56.8M | $43.9M | $36.1M | $25.5M | $19.3M | $22.4M |
| Cost of revenue | $57.0M | $58.9M | $42.4M | $14.7M | $6.1M | $9.0M | $7.2M | $4.0M | $6.2M | $3.0M |
| Gross profit | $78.8M | $70.8M | $72.0M | $61.7M | $50.7M | $34.9M | $28.9M | $21.5M | $13.1M | $19.4M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $31.6M | $27.0M | $26.5M | $24.4M | $23.1M | $18.0M | $21.0M | $17.5M | $11.7M | $9.7M |
| Total operating expenses | $47.6M | $43.6M | $40.5M | $37.8M | $35.3M | $26.6M | $25.4M | $21.9M | $18.7M | $14.7M |
| Operating income | $31.1M | $27.2M | $31.5M | $23.8M | $15.5M | $8.2M | $3.5M | −$404,000 | −$5.6M | $4.7M |
| Interest income | $127.7M | $123.6M | $107.0M | $66.6M | $46.0M | $37.5M | $30.3M | $22.1M | $17.5M | $17.1M |
| Interest expense | $53.8M | $58.3M | $42.7M | $9.6M | $4.8M | $5.8M | $5.3M | $2.3M | $1.7M | $2.2M |
| Income before taxes | $31.1M | $27.2M | $31.5M | $23.8M | $15.5M | $8.2M | $3.5M | −$404,000 | −$5.6M | $4.7M |
| Income taxes | $6.2M | $5.3M | $7.0M | $5.6M | $3.1M | $1.9M | $863,000 | −$223,000 | $3.5M | $1.7M |
| Net income | $24.9M | $21.9M | $24.5M | $18.2M | $12.3M | $6.4M | $2.6M | −$181,000 | −$11.8M | $1.4M |
| EBITDA | $33.5M | $29.9M | $34.3M | $26.3M | $17.4M | $9.7M | $4.9M | $295,000 | −$5.1M | $5.2M |
| EPS (diluted) | $2.16 | $2.09 | $2.58 | $2.04 | $1.49 | $1.06 | $0.46 | $0.07 | −$5.83 | — |
| Gross margin | 58.0% | 54.6% | 62.9% | 80.8% | 89.3% | 79.5% | 80.2% | 84.3% | 68.0% | 86.5% |
| Operating margin | 22.9% | 21.0% | 27.5% | 31.2% | 27.2% | 18.7% | 9.6% | −1.6% | −29.2% | 20.9% |
| Net margin | 18.3% | 16.9% | 21.4% | 23.8% | 21.7% | 14.5% | 7.2% | −0.7% | −61.4% | 6.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $35.8M | $34.5M | $35.3M | $35.0M | $33.6M | $31.7M | $32.5M | $35.5M | $32.8M | $27.2M | $32.9M | $28.7M |
| Cost of revenue | $13.6M | $13.2M | $14.3M | $14.4M | $14.5M | $13.9M | $15.5M | $14.6M | $14.6M | $14.2M | $12.3M | $12.5M |
| Gross profit | $22.2M | $21.3M | $21.0M | $20.6M | $19.1M | $17.8M | $17.0M | $20.9M | $18.1M | $13.0M | $20.6M | $16.2M |
| Sales, general & admin | $8.3M | $10.4M | $7.9M | $7.0M | $7.0M | $7.4M | $7.5M | $7.5M | $7.4M | $6.5M | $7.6M | $6.5M |
| Total operating expenses | $13.4M | $13.0M | $12.3M | $11.9M | $12.1M | $11.2M | $10.3M | $10.8M | $10.7M | $10.1M | $11.6M | $10.0M |
| Operating income | $8.8M | $8.3M | $8.7M | $8.8M | $7.0M | $6.6M | $6.7M | $10.1M | $7.5M | $3.0M | $8.9M | $6.2M |
| Interest income | $33.6M | $32.6M | $33.0M | $32.9M | $31.8M | $30.0M | $30.5M | $32.6M | $31.2M | $29.4M | $29.3M | $27.5M |
| Interest expense | $12.9M | $12.8M | $13.1M | $13.7M | $13.7M | $13.3M | $14.3M | $15.6M | $14.5M | $14.0M | $12.8M | $11.7M |
| Income before taxes | $8.8M | $8.3M | $8.7M | $8.8M | $7.0M | $6.6M | $6.7M | $10.1M | $7.5M | $3.0M | $8.9M | $6.2M |
| Income taxes | $1.5M | $2.0M | $1.6M | $2.0M | $1.1M | $1.5M | $950,000 | $2.2M | $1.6M | $548,000 | $1.7M | $1.5M |
| Net income | $7.3M | $6.3M | $7.1M | $6.7M | $6.0M | $5.0M | $5.7M | $7.9M | $5.9M | $2.4M | $7.2M | $4.8M |
| EBITDA | $9.6M | $8.9M | $9.7M | $9.5M | $7.7M | $6.6M | $6.7M | $10.1M | $7.5M | $3.0M | $8.9M | $6.2M |
| EPS (diluted) | $0.59 | $0.51 | $0.58 | $0.54 | $0.57 | $0.47 | $0.54 | $0.75 | $0.56 | $0.24 | $0.74 | $0.50 |
| Gross margin | 62.1% | 61.8% | 59.5% | 59.0% | 56.9% | 56.2% | 52.3% | 59.0% | 55.3% | 47.9% | 62.5% | 56.4% |
| Operating margin | 24.7% | 24.0% | 24.7% | 25.1% | 20.9% | 20.8% | 20.5% | 28.5% | 22.8% | 10.9% | 27.1% | 21.7% |
| Net margin | 20.5% | 18.3% | 20.2% | 19.3% | 17.8% | 15.9% | 17.6% | 22.2% | 18.0% | 8.9% | 21.8% | 16.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in COSO's financial statements (latest annual report filed March 12, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
COSO financial results
In fiscal year 2025 (ended December 31, 2025), CoastalSouth Bancshares reported revenue of $135.8 million, up 4.7% from the year before. It had net income of $24.9 million (up 13.6%), a net profit margin of 18.3%. Diluted earnings per share came to $2.16. Over five years revenue grew at an average rate of 25.4% a year.
See the COSO stock overview for the latest quote and news, or the COSO chart for price history and technical indicators.
COSO income statement FAQ
What is CoastalSouth Bancshares's annual revenue?
CoastalSouth Bancshares reported total revenue of $135.8 million for fiscal year 2025, which ended on December 31, 2025. That was up 4.7% from $129.7 million the previous year.
Is CoastalSouth Bancshares profitable?
Yes. CoastalSouth Bancshares reported net income of $24.9 million in fiscal 2025, a net profit margin of 18.3%; its operating margin was 22.9%.
What is CoastalSouth Bancshares's gross margin?
CoastalSouth Bancshares's gross margin was 58.0% in fiscal 2025: for every $100 of revenue, CoastalSouth Bancshares kept $58 after the direct cost of its products and services.
How fast is CoastalSouth Bancshares growing?
Revenue grew 25.4% a year on average over the last five fiscal years, from $43.9 million to $135.8 million.
What are CoastalSouth Bancshares's earnings per share?
CoastalSouth Bancshares earned $2.16 per diluted share in fiscal 2025, compared with $2.09 a year earlier.
When will CoastalSouth Bancshares report its next earnings?
CoastalSouth Bancshares is expected to report results for the quarter ending September 30, 2026 on October 19, 2026 after the market closes.
When does CoastalSouth Bancshares's fiscal year end?
CoastalSouth Bancshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 12, 2026.