CoastalSouth Bancshares Inc

NYSE:COSOFinancial ServicesCBOEFTSE:MRUTrussell2000

$26.53−0.45%At closeAt close · Tue 20 Oct · ≈ AED 97.43 · Market cap $317.15M · Next earnings Mon 19 Oct · Extended $26.73 +0.75%

USD millions	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	TTM	YoY
Revenue	43.9	56.8	76.4	114.4	129.7	135.8	36.0	−73.5%
Cost of revenue	9.0	6.1	14.7	42.4	58.9	57.0	—	—
Gross profit	34.9	50.7	61.7	72.0	70.8	78.8	—	—
Research & development	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Selling, general & administrative	18.0	23.1	24.4	26.5	27.0	31.6	—	—
Selling & marketing	0.0	0.0	0.0	0.7	0.0	0.0	—	—
Operating expenses	26.7	35.3	37.8	40.5	43.6	47.6	—	—
Operating income	8.2	15.5	23.8	31.5	27.2	31.1	34.6	+11.2%
Interest expense	5.8	4.8	9.6	42.7	58.3	53.8	13.8	−74.3%
Interest income	37.7	46.0	66.6	107.0	123.6	127.7	—	—
Other income / expense	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Pre-tax income	8.2	15.5	23.8	31.5	27.2	31.1	34.6	+11.2%
Income tax	1.9	3.1	5.6	7.0	5.3	6.2	7.1	+13.6%
Net income	6.4	12.3	18.2	24.5	21.9	24.9	27.5	+10.6%
Discontinued operations	0.0	0.0	0.0	0.0	0.0	0.0	—	—
Other net income adjustments	0.0	0.0	0.0	0.0	0.0	0.0	—	—
EPS, basic (per share)	0.80	1.51	2.09	2.61	2.15	2.24	2.31	+2.9%
EPS, diluted (per share)	0.80	1.48	2.05	2.58	2.09	2.16	2.22	+2.6%
EBITDA	9.4	16.9	25.5	33.6	29.4	33.5	—	—
Depreciation & amortization	1.1	1.5	1.6	2.1	2.1	2.3	1.8	−21.1%
Weighted average shares (shares)	7,963,767	8,144,215	8,707,535	9,383,559	10,198,000	11,520,215	—	—
Weighted average diluted shares (shares)	7,986,952	8,323,712	8,853,544	9,504,685	10,471,000	11,520,215	—	—
Gross margin	79.5%	89.3%	80.8%	62.9%	54.6%	58.0%	—	—
Operating margin	18.7%	27.2%	31.2%	27.5%	21.0%	22.9%	96.1%	+73.2 pts
Net margin	14.5%	21.7%	23.8%	21.4%	16.9%	18.3%	76.4%	+58.1 pts