Filing Flows › CoastalSouth Bancshares (COSO) › Q2 2025
CoastalSouth Bancshares (COSO) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 11, 2025
CoastalSouth Bancshares (COSO) reported revenue of $19.9M for the second quarter 2025 (Q2 2025), +9% from a year earlier and +7% from the quarter before. Operating margin was 35.4%, net earnings $6.0M (30.0% of revenue).
CoastalSouth Bancshares, Q2 2025: revenue $19.9M (+9% year over year), operating margin 35.4%, net earnings $6.0M, operating cash flow −$15.6M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $19.9M | +7% | +9% |
| Operating profit | $7.0M | +7% | -6% |
| Net earnings | $6.0M | +18% | +1% |
| Operating cash flow | −$15.6M | — | — |
What changed
Revenue was $19.9M in Q2 2025, up 9% year over year and up 7% from the previous quarter.
Operating profit was $7.0M, a 35.4% margin (down 5.4 points year over year). Operating profit fell $435K even though revenue rose $1.6M versus a year earlier, so costs grew faster than sales. Total costs grew 19% against revenue growth of 9%. The fastest-growing cost line was Credit loss provision (+335%). Net earnings were $6.0M, up 1% year over year. The effective tax rate was 15.1%.
Operating cash flow was −$15.6M. Non-cash charges added back $369K of depreciation and amortization and $233K of share-based compensation. Working capital and other items used $22.2M. Capital expenditures of $698K exceeded it, leaving free cash flow of −$16.3M.
Questions
What was CoastalSouth Bancshares' revenue in the second quarter 2025?
CoastalSouth Bancshares (COSO) reported revenue of $19.9M for the second quarter 2025 (Q2 2025), +9% from a year earlier and +7% from the quarter before.
Was CoastalSouth Bancshares profitable in the second quarter 2025?
Operating profit was $7.0M (35.4% of revenue) and net earnings $6.0M.