CoastalSouth Bancshares, Inc.
COSONYSEFinancials · State Commercial Banks · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | |
|---|---|---|
| Revenue | $2.0M | $1.9M |
| Operating income | — | — |
| Net income | $24.9M | $21.9M |
| Total assets | $2.31B | $2.10B |
| Total liabilities | $2.05B | $1.90B |
| Equity | $259.5M | $195.2M |
| EPS (diluted) | $2.16 | $2.09 |
| Shares out. | 11.5M | 10.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 1254.0%
- Return on equity
- 9.6%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.7%
- Debt / equity
- 7.89×
- Book value / share
- $22.53
- Revenue growth (YoY)
- 6.4%
- Net income growth (YoY)
- 13.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.7%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Ejf Capital LpPassive (13G)May 28, 2026
- Fourthstone LlcPassive (13G)May 15, 2026
- Patriot Financial Partners Ii, L.P.Passive (13G)May 6, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 211,389 | 2.5 | -5.6% |
| Apr 30, 2026 | 224,033 | 1.6 | +12.7% |
| Apr 15, 2026 | 198,864 | 2.3 | +3.1% |
| Mar 31, 2026 | 192,916 | 1.5 | +141.8% |
| Mar 13, 2026 | 79,795 | 1.2 | +59.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 1, 2026
- Shareholder voteApr 24, 2026
- Results of operations · Regulation FD disclosureApr 20, 2026
- Director / officer changeMar 4, 2026
- Results of operations · Regulation FD disclosureJan 20, 2026
- Director / officer changeNov 19, 2025
- Results of operationsOct 21, 2025
- Other material eventSep 16, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AMay 28, 2026
- SCHEDULE 13G/AMay 15, 2026
- 10-QMay 8, 2026
- 4May 6, 2026
- SCHEDULE 13G/AMay 6, 2026
- 8-KMay 1, 2026
- 4Apr 29, 2026
- 4Apr 29, 2026
- 4Apr 29, 2026
- 4Apr 29, 2026
- 8-KApr 24, 2026
- 8-KApr 20, 2026
- 3Mar 16, 2026
- ARSMar 13, 2026
- DEFA14AMar 13, 2026
Event-driven situations (1)
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