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Equiscale · Syntellia LLC
CoastalSouth Bancshares, Inc. operates as the bank holding company for Coastal States Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, including checking, savings, money market, and certificates of deposits, as well as demand deposits accounts and interest-bearing products. It offers commercial loans, such as acquisition, development, and construction loans; income-producing and owner-occupied commercial real estate loans; senior housing loans; and commercial and industrial loans. In addition, the company offers retail loans, including residential mortgages, marine vessels, cash value life insurance line of credit, and other consumer loans, as well as loans held-for-sale. Further, it provides commercial treasury management services which includes balance reporting, transfers between accounts, wire transfer initiation, ACH origination and stop payments; senior housing lending, marine lending, and government guaranteed lending; warehouse lending; debit cards; and telephone banking. In addition, the company offers online banking solutions comprising access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions; direct deposits; cashier's checks; wire transfer services; automated clearing house services; and cash management deposit products consist of remote deposit capture, positive pay, zero balance accounts and sweep accounts. The company was founded in 2003 and is headquartered in Atlanta, Georgia.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $81M | - | $25M | $61M | 9.6% | 17.5% | 13.6% |
| 2024 | $69M | - | $22M | $-14M | 11.2% | -3.8% | -10.5% |
| 2023 | $72M | - | $24M | $37M | 15.7% | 13.2% | 34.6% |
| 2022 | $63M | - | $18M | $81M | 15.3% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 63.30 | 71.66 | 68.93 | 80.97 |
| Operating Revenue | - | 63.30 | 71.66 | 68.93 | 80.97 |
| Selling General And Administration | - | 25.32 | 26.51 | 28.36 | 31.24 |
| Interest Income | - | 66.58 | 107.02 | 123.65 | 127.71 |
| Interest Expense | - | 9.62 | 42.72 | 58.33 | 53.82 |
| Net Interest Income | - | 56.96 | 64.29 | 65.32 | 73.89 |
| Pretax Income | - | 23.83 | 31.50 | 27.22 | 31.14 |
| Tax Provision | - | 5.64 | 7.02 | 5.31 | 6.24 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Net Income From Continuing And Discontinued Operation | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Net Income From Continuing Operation Net Minority Interest | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Net Income | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Net Income Common Stockholders | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Net Income Including Noncontrolling Interests | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Normalized Income | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Diluted NI Availto Com Stockholders | - | 18.19 | 24.48 | 21.90 | 24.89 |
| Basic Average Shares | - | 8.71 | 9.38 | 10.20 | 11.13 |
| Diluted Average Shares | - | 8.85 | 9.50 | 10.47 | 11.52 |
| Reconciled Depreciation | - | 2.44 | 2.83 | 2.65 | 2.86 |
| Total Unusual Items | 1.25 | -0.09 | - | - | - |
| Total Unusual Items Excluding Goodwill | 1.25 | -0.09 | - | - | - |
| Special Income Charges | 1.64 | -0.48 | - | - | - |
| Restructuring And Mergern Acquisition | -1.64 | 0.48 | - | - | - |
| Gain On Sale Of Security | - | 0 | 0.48 | -3.46 | -0.01 |
| Depreciation Amortization Depletion Income Statement | - | 0.33 | 0.29 | 0.29 | 0.29 |
| Depreciation And Amortization In Income Statement | - | 0.33 | 0.29 | 0.29 | 0.29 |
| General And Administrative Expense | - | 24.50 | 25.77 | 27.50 | 30.27 |
| Other Gand A | - | 0.79 | 0.88 | 0.99 | 1.25 |
| Salaries And Wages | - | 23.70 | 24.89 | 26.50 | 29.02 |
| Selling And Marketing Expense | - | 0.83 | 0.74 | 0.86 | 0.97 |
| Amortization | - | 0.33 | 0.29 | 0.29 | 0.29 |
| Amortization Of Intangibles Income Statement | - | 0.33 | 0.29 | 0.29 | 0.29 |
| Occupancy And Equipment | - | 2.67 | 2.92 | 3 | 3.32 |
| Professional Expense And Contract Services Expense | - | 2.22 | 2.72 | 2.05 | 2.63 |
| Other Non Interest Expense | - | 6.54 | 8.02 | 8.26 | 9.17 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| CoastalSouth Bancshares, Inc.this co. | COSO | $314M | 12.63↑ premium | 1.21 | 9.6% | - |
| Norwood Financial Corp. | NWFL | $329M | 11.86 | 1.36 | 11.5% | - |
| LINKBANCORP, Inc. | LNKB | $326M | 9.72 | 1.06 | 10.9% | - |
| Timberland Bancorp, Inc. | TSBK | $323M | 11.08 | 1.23 | 11.1% | - |
| American Integrity Insurance Group, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| AII |
| $321M |
| 3.22 |
| 0.95 |
| 29.6% |
| - |
| Onity Group Inc. | ONIT | $312M | 1.65 | 0.50 | 30.2% | 64.46 |
| Citizens Financial Services, Inc. | CZFS | $308M | 8.43 | 0.91 | 10.8% | - |
| Value Line, Inc. | VALU | $305M | 14.75 | 3.06 | 20.8% | 37.84 |
| NI Holdings, Inc. | NODK | $299M | - | 1.24 | -4.3% | - |
| Peer Median | - | 9.72 | 1.15 | 11.3% | 51.15 | |
Historically, Nov has averaged the highest return (+5.4%); Oct the lowest (-2.4%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +3.1%Positive MonthJan 2026: +3.10% | +2.4%Positive MonthFeb 2026: +2.42% | +0.2%Neutral MonthMar 2026: +0.16% | +3.9%Positive MonthApr 2026: +3.90% | -0.1%Neutral MonthMay 2026: -0.08% | +5.2%Positive MonthJun 2026: +5.17% | +1.6%Neutral MonthJul 2026: +1.56% | -0.9%*Neutral MonthAug 2026: -0.92% | — | — | — | — |
| 2025 | — | — | — | — | — | +1.6%Neutral MonthJun 2025: +1.62% | -1.5%Neutral MonthJul 2025: -1.46% | +3.3%Positive MonthAug 2025: +3.34% | +0.6%Neutral MonthSep 2025: +0.60% | -2.4%Negative MonthOct 2025: -2.43% | +5.4%Positive MonthNov 2025: +5.40% | +3.7%Positive MonthDec 2025: +3.66% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 2 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
