📊 COSO Key Takeaways
Investment Thesis
CoastalSouth Bancshares exhibits severe operational distress with revenue collapsing 98.4% year-over-year, indicating a fundamental business disruption or accounting anomaly. While net income appears positive, the extreme operating and net margins (>1000%) are mathematically inconsistent with normal banking operations and suggest potential one-time gains or data integrity issues masking underlying operational deterioration.
COSO Strengths
- Positive free cash flow of $61.3M demonstrates some cash generation capability
- Zero long-term debt provides financial flexibility without leverage burden
- Strong stockholders' equity position of $259.5M maintains balance sheet solvency
COSO Risks
- Revenue collapse of 98.4% YoY is catastrophic and unsustainable; indicates severe loss of core business
- Abnormally high profit margins (>1000%) are inconsistent with banking industry norms and suggest accounting irregularities or non-recurring items masking true operational performance
- Negative growth trajectory combined with deteriorating fundamentals raises serious going concern questions
Key Metrics to Watch
- Revenue recovery trajectory and normalized operating margins
- Net interest income trends and loan portfolio quality
- Deposit base stability and customer attrition rates
COSO Financial Metrics
💡 AI Analyst Insight
The 3,088.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
COSO Profitability Ratios
COSO vs Finance Sector
How CoastalSouth Bancshares, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
COSO Balance Sheet & Liquidity
COSO 5-Year Financial Trend
5-Year Trend Summary: CoastalSouth Bancshares, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.09 reflects profitable operations.
COSO Growth Metrics (YoY)
COSO Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $427.0K | $6.7M | $0.54 |
| Q2 2025 | $487.0K | $5.9M | $0.56 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
COSO Capital Allocation
COSO SEC Filings
Access official SEC EDGAR filings for CoastalSouth Bancshares, Inc. (CIK: 0001297107)
📋 Recent SEC Filings
❓ Frequently Asked Questions about COSO
What is the AI rating for COSO?
CoastalSouth Bancshares, Inc. (COSO) has an AI rating of STRONG SELL with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are COSO's key strengths?
Positive free cash flow of $61.3M demonstrates some cash generation capability. Zero long-term debt provides financial flexibility without leverage burden.
What are the risks of investing in COSO?
Revenue collapse of 98.4% YoY is catastrophic and unsustainable; indicates severe loss of core business. Abnormally high profit margins (>1000%) are inconsistent with banking industry norms and suggest accounting irregularities or non-recurring items masking true operational performance.
What is COSO's revenue and growth?
CoastalSouth Bancshares, Inc. reported revenue of $2.0M.
Does COSO pay dividends?
CoastalSouth Bancshares, Inc. does not currently pay dividends.
Where can I find COSO SEC filings?
Official SEC filings for CoastalSouth Bancshares, Inc. (CIK: 0001297107) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is COSO's EPS?
CoastalSouth Bancshares, Inc. has a diluted EPS of $2.16.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.