CoastalSouth Bancshares Q1 Earnings Miss Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 19 hours ago
0mins
Should l Buy COSO?
Source: seekingalpha
- Earnings Miss: CoastalSouth Bancshares reported Q1 GAAP EPS of $0.51, missing expectations by $0.04, indicating potential pressure on profitability that could affect investor confidence.
- Revenue Growth Lags: The company generated revenue of $21.71 million, reflecting a 16.5% year-over-year increase, yet it fell short of market expectations by $0.4 million, suggesting challenges in sustaining revenue growth in a competitive environment.
- Financial Health Concerns: Despite year-over-year revenue growth, the failure to meet expectations may raise concerns about the company's future financial health, particularly amid increasing economic uncertainty.
- Market Reaction Anticipation: Given the earnings miss, the market may react negatively to CoastalSouth Bancshares' stock price, prompting investors to closely monitor subsequent financial strategies and market adjustments.
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Analyst Views on COSO
About COSO
CoastalSouth Bancshares, Inc. is a bank holding company. The Company’s subsidiary is Coastal States Bank (CSB). CSB operates retail banking branches in Beaufort County, South Carolina, Chatham County, Georgia, Dawson County, Georgia, Fulton County, Georgia and Forsyth County, Georgia. Its specialty banking services include home builder financing, senior housing financing, warehouse lending, and correspondent banking. Its personal banking services include checking, savings, treasury management, and lending. Its small business banking services include small business checking, small business savings, small business lending, and small business digital banking. It offers various commercial lending’s, such as commercial loans, commercial real estate loans, and business credit cards. CSB’s wholly owned subsidiary, Coastal States Mortgage, Inc. (CSM), is a mortgage company focused on originating and selling residential mortgages to investors.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
CoastalSouth Reports Q1 Net Income Growth
- Net Income Performance: CoastalSouth Bancshares reported a net income of $6.3 million for Q1, translating to $0.51 per diluted share, which reflects a decline from $7.1 million in Q4 2025 and $5.1 million in Q1 2025, indicating some pressure on profitability.
- Core Deposit Growth: The company achieved a core deposit growth of $117.9 million in Q1, contributing to a total deposit increase of $69.5 million, demonstrating its ability to reduce alternative funding sources while enhancing liquidity for loan growth.
- Loan Production: Loan production for investments reached $166.7 million in Q1, marking a 2.5% increase from the previous quarter, showcasing the company's expanding loan pipeline driven by the addition of new commercial bankers, thereby strengthening its competitive position in the market.
- Shareholder Returns: The Board declared a quarterly cash dividend of $0.05 per share, to be paid on May 28, 2026, reflecting the company's commitment to returning value to shareholders while maintaining stable earnings.
See More
CoastalSouth Bancshares Q1 Earnings Miss Expectations
- Earnings Miss: CoastalSouth Bancshares reported Q1 GAAP EPS of $0.51, missing expectations by $0.04, indicating potential pressure on profitability that could affect investor confidence.
- Revenue Growth Lags: The company generated revenue of $21.71 million, reflecting a 16.5% year-over-year increase, yet it fell short of market expectations by $0.4 million, suggesting challenges in sustaining revenue growth in a competitive environment.
- Financial Health Concerns: Despite year-over-year revenue growth, the failure to meet expectations may raise concerns about the company's future financial health, particularly amid increasing economic uncertainty.
- Market Reaction Anticipation: Given the earnings miss, the market may react negatively to CoastalSouth Bancshares' stock price, prompting investors to closely monitor subsequent financial strategies and market adjustments.
See More
Coastal States Bank Donates $136,000 to Community Charities
- Community Commitment Donation: Coastal States Bank donated $136,000 in 2025 to charities in Georgia and South Carolina, focusing on financial literacy, childhood education, and veteran support, reflecting its commitment as a local community bank.
- Volunteer Service Hours: Employees contributed over 575 hours of volunteer service through the Community Commitment initiative, strengthening ties with local communities and demonstrating the bank's core values through action.
- Ongoing Support: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, showcasing the bank's long-term dedication to community development.
- Banking Service Range: Coastal States Bank provides a full range of banking services in South Carolina's Lowcountry, Savannah, and the Atlanta metropolitan area, with total assets of approximately $2.3 billion, dedicated to offering localized banking partnerships for businesses and individuals.
See More
Coastal States Bank Donates $136,000 to Support Community Initiatives
- Community Commitment Program: In 2025, Coastal States Bank donated $136,000 through its employee-funded and bank-matched Community Commitment initiative, aimed at addressing diverse needs in Georgia and South Carolina, reflecting the bank's responsibility towards local communities.
- Broad Charitable Support: Last year, the program supported over 45 charities, focusing on financial literacy, childhood education, veteran support, health and wellness, and senior care, demonstrating the bank's active role in enhancing community welfare.
- Significant Employee Involvement: Employees of Coastal States Bank contributed over 575 hours of volunteer service to the Community Commitment program, showcasing the team's dedication to community service and further enhancing the bank's community image.
- Long-term Impact: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, illustrating Coastal States Bank's ongoing efforts and strategic vision in promoting community development.
See More
CoastalSouth Bancshares Q4 Earnings: GAAP EPS of $0.58 Misses by $0.01
- Earnings Performance: CoastalSouth Bancshares, Inc. reported a GAAP EPS of $0.58 for Q4, missing expectations by $0.01, indicating potential pressure on the company's profitability which may affect investor confidence.
- Revenue Growth: The company's revenue for Q4 was $22.16M, exceeding market expectations by $0.27M, demonstrating resilience in revenue generation that could attract investors interested in growth.
- Historical Data Insight: Historical financial data for CoastalSouth suggests that while the EPS fell short of expectations, the revenue beat may provide a positive signal for future financial performance, warranting investor attention on subsequent developments.
- Market Reaction: Given the EPS miss, the market may react negatively to CoastalSouth's stock price in the short term, prompting investors to carefully assess its future profitability and market performance.
See More
CoastalSouth Bancshares Reports Record Q4 2025 Net Income of $7.1 Million
- Net Income Growth: CoastalSouth Bancshares reported a net income of $7.1 million for Q4 2025, translating to $0.58 per diluted share, reflecting a 24.6% increase from $5.7 million in Q4 2024, indicating a significant enhancement in profitability.
- Loan Commitment Innovation: The company achieved over $776 million in loan commitments for 2025, marking a 16.4% increase from 2024, which not only strengthens market competitiveness but also lays a foundation for future business expansion.
- Market Expansion Strategy: CoastalSouth is strategically expanding into the Charleston, SC market by assembling a locally experienced commercial banking team, aimed at driving further loan and deposit growth and solidifying its position in the Lowcountry market.
- Stable Asset Quality: As of December 31, 2025, nonperforming assets accounted for 0.79% of total assets, demonstrating effective credit quality management and enhancing investor confidence.
See More
CoastalSouth Reports Q1 Net Income Growth
- Net Income Performance: CoastalSouth Bancshares reported a net income of $6.3 million for Q1, translating to $0.51 per diluted share, which reflects a decline from $7.1 million in Q4 2025 and $5.1 million in Q1 2025, indicating some pressure on profitability.
- Core Deposit Growth: The company achieved a core deposit growth of $117.9 million in Q1, contributing to a total deposit increase of $69.5 million, demonstrating its ability to reduce alternative funding sources while enhancing liquidity for loan growth.
- Loan Production: Loan production for investments reached $166.7 million in Q1, marking a 2.5% increase from the previous quarter, showcasing the company's expanding loan pipeline driven by the addition of new commercial bankers, thereby strengthening its competitive position in the market.
- Shareholder Returns: The Board declared a quarterly cash dividend of $0.05 per share, to be paid on May 28, 2026, reflecting the company's commitment to returning value to shareholders while maintaining stable earnings.
See More
CoastalSouth Bancshares Q1 Earnings Miss Expectations
- Earnings Miss: CoastalSouth Bancshares reported Q1 GAAP EPS of $0.51, missing expectations by $0.04, indicating potential pressure on profitability that could affect investor confidence.
- Revenue Growth Lags: The company generated revenue of $21.71 million, reflecting a 16.5% year-over-year increase, yet it fell short of market expectations by $0.4 million, suggesting challenges in sustaining revenue growth in a competitive environment.
- Financial Health Concerns: Despite year-over-year revenue growth, the failure to meet expectations may raise concerns about the company's future financial health, particularly amid increasing economic uncertainty.
- Market Reaction Anticipation: Given the earnings miss, the market may react negatively to CoastalSouth Bancshares' stock price, prompting investors to closely monitor subsequent financial strategies and market adjustments.
See More
Coastal States Bank Donates $136,000 to Community Charities
- Community Commitment Donation: Coastal States Bank donated $136,000 in 2025 to charities in Georgia and South Carolina, focusing on financial literacy, childhood education, and veteran support, reflecting its commitment as a local community bank.
- Volunteer Service Hours: Employees contributed over 575 hours of volunteer service through the Community Commitment initiative, strengthening ties with local communities and demonstrating the bank's core values through action.
- Ongoing Support: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, showcasing the bank's long-term dedication to community development.
- Banking Service Range: Coastal States Bank provides a full range of banking services in South Carolina's Lowcountry, Savannah, and the Atlanta metropolitan area, with total assets of approximately $2.3 billion, dedicated to offering localized banking partnerships for businesses and individuals.
See More
Coastal States Bank Donates $136,000 to Support Community Initiatives
- Community Commitment Program: In 2025, Coastal States Bank donated $136,000 through its employee-funded and bank-matched Community Commitment initiative, aimed at addressing diverse needs in Georgia and South Carolina, reflecting the bank's responsibility towards local communities.
- Broad Charitable Support: Last year, the program supported over 45 charities, focusing on financial literacy, childhood education, veteran support, health and wellness, and senior care, demonstrating the bank's active role in enhancing community welfare.
- Significant Employee Involvement: Employees of Coastal States Bank contributed over 575 hours of volunteer service to the Community Commitment program, showcasing the team's dedication to community service and further enhancing the bank's community image.
- Long-term Impact: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, illustrating Coastal States Bank's ongoing efforts and strategic vision in promoting community development.
See More
CoastalSouth Bancshares Q4 Earnings: GAAP EPS of $0.58 Misses by $0.01
- Earnings Performance: CoastalSouth Bancshares, Inc. reported a GAAP EPS of $0.58 for Q4, missing expectations by $0.01, indicating potential pressure on the company's profitability which may affect investor confidence.
- Revenue Growth: The company's revenue for Q4 was $22.16M, exceeding market expectations by $0.27M, demonstrating resilience in revenue generation that could attract investors interested in growth.
- Historical Data Insight: Historical financial data for CoastalSouth suggests that while the EPS fell short of expectations, the revenue beat may provide a positive signal for future financial performance, warranting investor attention on subsequent developments.
- Market Reaction: Given the EPS miss, the market may react negatively to CoastalSouth's stock price in the short term, prompting investors to carefully assess its future profitability and market performance.
See More
CoastalSouth Bancshares Reports Record Q4 2025 Net Income of $7.1 Million
- Net Income Growth: CoastalSouth Bancshares reported a net income of $7.1 million for Q4 2025, translating to $0.58 per diluted share, reflecting a 24.6% increase from $5.7 million in Q4 2024, indicating a significant enhancement in profitability.
- Loan Commitment Innovation: The company achieved over $776 million in loan commitments for 2025, marking a 16.4% increase from 2024, which not only strengthens market competitiveness but also lays a foundation for future business expansion.
- Market Expansion Strategy: CoastalSouth is strategically expanding into the Charleston, SC market by assembling a locally experienced commercial banking team, aimed at driving further loan and deposit growth and solidifying its position in the Lowcountry market.
- Stable Asset Quality: As of December 31, 2025, nonperforming assets accounted for 0.79% of total assets, demonstrating effective credit quality management and enhancing investor confidence.
See More
