CoastalSouth Bancshares (COSO) has wrapped up FY 2025 with fourth quarter revenue of US$21.0 million and basic EPS of US$0.60, while trailing twelve month revenue and EPS came in at US$78.8 million and US$2.24 respectively. Over recent quarters the company has seen revenue move from US$18.0 million in Q1 2025 to US$21.0 million in Q4 2025, with quarterly EPS ranging between US$0.49 and US$0.60 over the same period. This gives investors a clearer view of the earnings base behind the latest release. Set against a trailing net profit margin of 31.6%, these results put the focus on how sustainably CoastalSouth is converting its revenue into bottom line profits.
See our full analysis for CoastalSouth Bancshares.With the numbers on the table, the next step is to see how this set of results lines up with the key narratives around CoastalSouth, highlighting where the story is being confirmed and where it might be challenged.
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Loan book reaches US$1.6b with steady NIM
- Total loans ended FY 2025 at US$1.6b, with net interest margin at 3.6% in Q4 and 3.51% on a trailing 12 month basis.
- Bulls point to this combination of a US$1.6b loan book and a 3.51% trailing net interest margin as evidence of a solid core banking engine,
- Supporters highlight that net income excluding extra items over the last twelve months was US$24.9 million, which ties directly to that margin level.
- At the same time, a trailing net profit margin of 31.6% shows that a meaningful share of revenue is currently making it through to the bottom line.
Cost to income at 55.3% in Q4
- The cost to income ratio moved between 61.26% and 55.34% across FY 2025, with Q4 landing at 55.34% and the trailing 12 month figure at 58.1%.
- Supportive investors argue that these expense levels are consistent with a profitable regional bank model,
- They point to trailing 12 month revenue of US$78.8 million against net income excluding extra items of US$24.9 million as evidence that costs are being kept in check.
- They also note that Q4 net income excluding extra items of US$7.1 million, on revenue of US$21.0 million, lines up with the reported 31.6% net profit margin.
Non performing loans at US$18.3 million
- Non performing loans were US$18.3 million at FY 2025 year end, compared with US$14.2 million in Q3 and US$15.0 million at FY 2024 year end.
- Cautious investors focus on this credit quality line as a key watchpoint,
- They compare the US$18.3 million of non performing loans to total loans of US$1.6b at Q4 2025 to gauge how much of the book is currently stressed.
- They also weigh this against the 31.6% net profit margin and US$24.9 million in trailing net income to assess how much earnings capacity exists to absorb problem loans if needed.
Next Steps
Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on CoastalSouth Bancshares's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.
See What Else Is Out There
CoastalSouth’s rising non performing loans of US$18.3 million, compared with a US$1.6b book, put the spotlight firmly on balance sheet resilience and credit quality.
If that concentration risk makes you uneasy, check out our solid balance sheet and fundamentals stocks screener (391 results) today to focus on companies with stronger cushions and cleaner financial profiles.
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