Coastalsouth Bancshares IncCoastalsouth Bancshares Inc
Coastalsouth Bancshares Inc

Coastalsouth Bancshares Inc

COSO
Financials·Banks

CoastalSouth Bancshares, Inc. is a bank holding company, which engages in the provision of full-service banking services designed to meet the needs of retail and commercial customers in the markets. Its services include transaction and savings deposit accounts, commercial and consumer lending, mortgage banking, and other activities related to commercial banking. The company was founded by Randy K. Dolyniuk and Ernst W. Bruderer on September 28, 2003 and is headquartered in Atlanta, GA.

Georgia; U.S.A
Market cap
No dataNo data
Revenue
$82M+18.3% YoY
Net income
$24.9M+13.6% YoY
Free cash flow
$61.3M+535.3% YoY

Market

Listed stock
COSOPriceNYSE
Loading…Loading…1Y

Financial performance

Revenue
$82M+18.3% YoY
Operating income
$24.8M−8.8% YoY
Net income
$24.9M+13.6% YoY
Free cash flow
$61.3M+535.3% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2023 $71.3M, 2024 $69.3M, 2025 $82M. Operating income: 2023 $31.5M, 2024 $27.2M, 2025 $24.8M. Net income: 2023 $24.5M, 2024 $21.9M, 2025 $24.9M. Free cash flow: 2023 $36.8M, 2024 $-14.1M, 2025 $61.3M. Reference line: Reference at $0.

Growth & profitability

Revenue growth
18.3%+2119 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2023-12-31 $31.5M, 2024-12-31 $27.2M, 2025-12-31 $24.8M. Net income: 2023-12-31 $24.5M, 2024-12-31 $21.9M, 2025-12-31 $24.9M. Free cash flow: 2023-12-31 $36.8M, 2024-12-31 $-14.1M, 2025-12-31 $61.3M

Growth heatmap

20242025CAGR
Revenue
-2.9%
+18.3%
No data
Gross profit
-2.9%
+13.7%
No data
Operating income
-13.6%
-8.8%
No data
Free cash flow
-138.2%
+535.3%
No data

Earnings quality

Operating cash flow
$63.1M+598.3% YoY
Net income
$24.9M+13.6% YoY
Free cash flow
$61.3M+535.3% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 254%, 2024-12-31 -58%, 2023-12-31 152%. Free cash flow: 2025-12-31 246%, 2024-12-31 -64%, 2023-12-31 150%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
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Diluted shares
Latest
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Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
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Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
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Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
No data
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No data
Price to sales
No data
No data
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No data
EV / EBITDA
No data
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Free cash flow yield
No data
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