Filing Flows › CoastalSouth Bancshares (COSO) › Q4 2025
CoastalSouth Bancshares (COSO) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 12, 2026
CoastalSouth Bancshares (COSO) reported revenue of $22.2M for the fourth quarter 2025 (Q4 2025), +22% from a year earlier and +4% from the quarter before. Operating margin was 39.4%, net earnings $7.1M (32.2% of revenue).
CoastalSouth Bancshares, Q4 2025: revenue $22.2M (+22% year over year), operating margin 39.4%, net earnings $7.1M, operating cash flow $85.5M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $22.2M | +4% | +22% |
| Operating profit | $8.7M | -0.5% | +31% |
| Net earnings | $7.1M | +6% | +25% |
| Operating cash flow | $85.5M | — | +126% |
| Free cash flow | $85.1M | — | +127% |
What changed
Revenue was $22.2M in Q4 2025, up 22% year over year and up 4% from the previous quarter.
Operating profit was $8.7M, a 39.4% margin (up 2.9 points year over year). Of the extra revenue versus a year earlier, 53% reached operating profit, above the 37% margin then. Total costs grew 16% against revenue growth of 22%. The fastest-growing cost line was Noninterest expense (+19%). Net earnings were $7.1M, up 25% year over year. The effective tax rate was 18.3%.
Operating cash flow was $85.5M (up 126% year over year), 1198% of net earnings. Non-cash charges added back $390K of depreciation and amortization and $238K of share-based compensation. Working capital and other items added $77.7M. Capital expenditures of $326K left free cash flow of $85.1M.
Questions
What was CoastalSouth Bancshares' revenue in the fourth quarter 2025?
CoastalSouth Bancshares (COSO) reported revenue of $22.2M for the fourth quarter 2025 (Q4 2025), +22% from a year earlier and +4% from the quarter before.
Was CoastalSouth Bancshares profitable in the fourth quarter 2025?
Operating profit was $8.7M (39.4% of revenue) and net earnings $7.1M.