CoastalSouth Bancshares, Inc. (COSO) Earnings History
Elite Compounder11 years of earnings data (2015–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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CoastalSouth Bancshares, Inc. (COSO) Earnings Overview
As of July 7, 2026, CoastalSouth Bancshares, Inc. (COSO) reported trailing twelve-month net income of $26M, reflecting +3.3% year-over-year growth. The company earned $2.10 per diluted share over the past four quarters, with a net profit margin of 18.3%.
Looking at the long-term picture, COSO's 5-year EPS compound annual growth rate (CAGR) stands at +22.0%, indicating exceptional earnings growth. The company achieved its highest annual net income of $25M in fiscal 2025, representing a new all-time high.
CoastalSouth Bancshares, Inc. maintains industry-leading profitability with a gross margin of 58.0%, operating margin of 22.9%, and net margin of 18.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SFST ($35M net income, 13.5% margin), FCCO ($21M net income, 17.3% margin), GSBC ($71M net income, 20.7% margin), COSO has outperformed on profitability metrics. Compare COSO vs SFST →
COSO Earnings vs Peers
Earnings metrics vs comparable public companies
COSO Historical Earnings Data (2015–2025)
11 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $25M | +13.6% | $31M | $2.16 | 18.3% | 22.9% |
| 2024 | $22M | -10.5% | $27M | $2.09 | 16.9% | 21.0% |
| 2023 | $24M | +34.6% | $31M | $2.58 | 21.4% | 27.5% |
| 2022 | $18M | +47.6% | $24M | $2.05 | 23.8% | 31.2% |
| 2021 | $12M | +93.5% | $15M | $1.48 | 21.7% | 27.2% |
| 2020 | $6M | +144.6% | $8M | $0.80 | 14.5% | 18.7% |
| 2019 | $3M | +1538.1% | $3M | $0.36 | 7.2% | 9.6% |
| 2018 | $-181,000 | +98.5% | $-404,000 | $-0.03 | -0.7% | -1.6% |
| 2017 | -$12M | -921.5% | -$6M | $-3.59 | -61.4% | -29.2% |
| 2016 | $1M | +3.6% | $5M | $-0.01 | 6.4% | 20.9% |
| 2015 | $1M | - | $2M | $1.45 | 4.9% | 7.3% |
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COSO — Frequently Asked Questions
Quick answers to the most common questions about buying COSO stock.
What is COSO earnings per share (EPS)?
COSO trailing twelve-month (TTM) diluted EPS is $2.10, reflecting +3.3% year-over-year growth. The 5-year EPS CAGR is +22.0%. Complete EPS history from 2015 to 2025 is available in the table on this page.
What is CoastalSouth Bancshares, Inc.'s net income?
CoastalSouth Bancshares, Inc. (COSO) trailing twelve-month net income is $26M as of 2025. Earnings grew +3.3% year-over-year. CoastalSouth Bancshares, Inc. has been profitable for 7 consecutive years.
Is COSO profitable?
Yes, COSO is profitable with a TTM net income of $26M and a net profit margin of +18.3%. CoastalSouth Bancshares, Inc. has generated profits for 7 consecutive years.
What is COSO's earnings growth rate?
COSO compound annual EPS growth rates (CAGR): 1-Year: +3.3%, 3-Year: +1.8%, 5-Year: +22.0%, 10-Year: +4.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2015 to 2025.
What are COSO's profit margins?
CoastalSouth Bancshares, Inc. net profit margin is +18.3%, operating margin is +22.9%, and gross margin is +58.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +10.9%.
Is COSO growing earnings?
COSO earnings growth is slowing. Current YoY EPS growth of +3.3% trails the 5-year CAGR of +22.0%. TTM net income is $26M.
What was COSO's best earnings year?
CoastalSouth Bancshares, Inc.'s highest annual net income on record is $25M, achieved in fiscal year 2025. Earnings history on this page spans 2015 to 2025 and includes all annual and quarterly figures.
What were COSO's earnings last quarter?
COSO's most recent reported quarter was Q1 2026. Net income was $6M with diluted EPS of $0.51. For a full breakdown of all quarters, see the quarterly earnings table on this page.