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CoastalSouth Bancshares (COSO) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · CoastalSouth Bancshares (COSO) Q3 2026 earnings results →
Q3 2026 Revenue up 17% year over year to $24.9M · 35¢ of every $1 of revenue kept as net profit · operating margin 46.6%
CoastalSouth Bancshares made $24.9M in Q3 2026 (+17% Y/Y). Operating margin 46.6%, net earnings $8.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $24.9M in Q3 2026, up 17% year over year and up 9% from the previous quarter.
Operating profit was $11.6M, a 46.6% margin (up 5.3 points year over year). Of the extra revenue versus Q3 2025, 78% reached operating profit, above the 41% margin then. Total costs grew 6% against revenue growth of 17%. Net earnings were $8.8M, up 30% year over year. The effective tax rate was 24.2%.
Operating cash flow was $100.3M, 1144% of net earnings. Non-cash charges added back $433K of depreciation and amortization and $305K of share-based compensation. Working capital and other items added $90.8M. Capital expenditures of $200K left free cash flow of $100.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $24.9M | +17% | 46.6% | $8.8M | $100M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $22.9M | +15% | 38.6% | $7.3M | $9.8M |
| Q1 2026 | 10-Q | May 8, 2026 | $21.7M | +16% | 38.2% | $6.3M | −$20.6M |
| Q4 2025 | 10-K | Mar 12, 2026 | $22.2M | +22% | 39.4% | $7.1M | $85.5M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $21.3M | +7% | 41.2% | $6.7M | −$5.5M |
| Q2 2025 | 10-Q | Aug 11, 2025 | $19.9M | +9% | 35.4% | $6.0M | −$15.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About CoastalSouth Bancshares
CoastalSouth Bancshares, Inc. is a bank holding company headquartered in Atlanta, Georgia. Through our wholly owned subsidiary, Coastal States Bank, a South Carolina state-chartered commercial bank, we offer a full range of banking products and services designed for businesses, real estate professionals, and consumers looking for a deep and meaningful relationship with their bank. To learn more about Coastal States Bank, visit www.coastalstatesbank.com . 3 Considered non-GAAP financial measure - See "Non-GAAP Financial Measures" and reconciliation of GAAP to non-GAAP financial measures in tables 10A - 10E.
In its own words, from its 8-K, filed Jul 20, 2026.
CoastalSouth Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +17% against the peers' median +12%. Operating margin: 46.6% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| COSO CoastalSouth Bancshares | Q3 2026 | $24.9M | +17% | 46.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: CoastalSouth Bancshares 10-Q on SEC EDGAR · CIK 1297107 · State Commercial Banks
13F: who owns COSO and who is buying
More on COSO
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results