Filing Flows › CoastalSouth Bancshares (COSO) › Q3 2025
CoastalSouth Bancshares (COSO) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
CoastalSouth Bancshares (COSO) reported revenue of $21.3M for the third quarter 2025 (Q3 2025), +7% from a year earlier and +7% from the quarter before. Operating margin was 41.2%, net earnings $6.7M (31.7% of revenue).
CoastalSouth Bancshares, Q3 2025: revenue $21.3M (+7% year over year), operating margin 41.2%, net earnings $6.7M, operating cash flow −$5.5M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $21.3M | +7% | +7% |
| Operating profit | $8.8M | +25% | -13% |
| Net earnings | $6.7M | +13% | -14% |
| Operating cash flow | −$5.5M | — | — |
What changed
Revenue was $21.3M in Q3 2025, up 7% year over year and up 7% from the previous quarter.
Operating profit was $8.8M, a 41.2% margin (down 9.5 points year over year). Operating profit fell $1.3M even though revenue rose $1.4M versus a year earlier, so costs grew faster than sales. Total costs grew 28% against revenue growth of 7%. Net earnings were $6.7M, down 14% year over year. The effective tax rate was 23.2%.
Operating cash flow was −$5.5M. Non-cash charges added back $392K of depreciation and amortization and $229K of share-based compensation. Working capital and other items used $12.9M. Capital expenditures of $412K exceeded it, leaving free cash flow of −$5.9M.
Questions
What was CoastalSouth Bancshares' revenue in the third quarter 2025?
CoastalSouth Bancshares (COSO) reported revenue of $21.3M for the third quarter 2025 (Q3 2025), +7% from a year earlier and +7% from the quarter before.
Was CoastalSouth Bancshares profitable in the third quarter 2025?
Operating profit was $8.8M (41.2% of revenue) and net earnings $6.7M.