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Side-by-side financial comparison of CoastalSouth Bancshares, Inc. (COSO) and JFB Construction Holdings (JFB). Click either name above to swap in a different company.
CoastalSouth Bancshares, Inc. is the larger business by last-quarter revenue ($21.3M vs $16.0M, roughly 1.3× JFB Construction Holdings). CoastalSouth Bancshares, Inc. runs the higher net margin — 31.7% vs -11.7%, a 43.4% gap on every dollar of revenue. CoastalSouth Bancshares, Inc. produced more free cash flow last quarter ($-5.9M vs $-9.1M).
CoastalSouth Bancshares, Inc. is a U.S.-based regional bank holding company. It provides a full range of personal and commercial banking services including deposit accounts, consumer loans, mortgages, commercial financing and wealth management solutions for retail customers and small-to-medium enterprises across the U.S. Gulf Coast region.
COSO vs JFB — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.3M | $16.0M |
| Net Profit | $6.7M | $-1.9M |
| Gross Margin | — | 4.3% |
| Operating Margin | 41.2% | -12.7% |
| Net Margin | 31.7% | -11.7% |
| Revenue YoY | — | — |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.54 | $0.06 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $16.0M | ||
| Q3 25 | $21.3M | $5.0M | ||
| Q2 25 | $19.9M | $3.7M | ||
| Q1 25 | — | $5.9M |
| Q4 25 | — | $-1.9M | ||
| Q3 25 | $6.7M | $-1.1M | ||
| Q2 25 | $6.0M | $-2.4M | ||
| Q1 25 | — | $30.3K |
| Q4 25 | — | 4.3% | ||
| Q3 25 | — | 14.9% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 24.8% |
| Q4 25 | — | -12.7% | ||
| Q3 25 | 41.2% | -22.6% | ||
| Q2 25 | 35.4% | -67.2% | ||
| Q1 25 | — | -0.5% |
| Q4 25 | — | -11.7% | ||
| Q3 25 | 31.7% | -21.3% | ||
| Q2 25 | 30.0% | -64.3% | ||
| Q1 25 | — | 0.5% |
| Q4 25 | — | $0.06 | ||
| Q3 25 | $0.54 | $-0.11 | ||
| Q2 25 | $0.57 | $-0.26 | ||
| Q1 25 | — | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $250.4M | $37.8M |
| Total Assets | $2.3B | $40.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $37.8M | ||
| Q3 25 | $250.4M | $11.6M | ||
| Q2 25 | $209.4M | $10.1M | ||
| Q1 25 | — | $11.0M |
| Q4 25 | — | $40.0M | ||
| Q3 25 | $2.3B | $14.0M | ||
| Q2 25 | $2.2B | $12.0M | ||
| Q1 25 | — | $13.3M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-5.5M | $-9.0M |
| Free Cash FlowOCF − Capex | $-5.9M | $-9.1M |
| FCF MarginFCF / Revenue | -27.7% | -57.2% |
| Capex IntensityCapex / Revenue | 1.9% | 1.1% |
| Cash ConversionOCF / Net Profit | -0.82× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-12.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-9.0M | ||
| Q3 25 | $-5.5M | $-719.0K | ||
| Q2 25 | $-16.8M | $-2.5M | ||
| Q1 25 | — | $392.8K |
| Q4 25 | — | $-9.1M | ||
| Q3 25 | $-5.9M | $-730.9K | ||
| Q2 25 | $-17.9M | $-2.5M | ||
| Q1 25 | — | $347.0K |
| Q4 25 | — | -57.2% | ||
| Q3 25 | -27.7% | -14.7% | ||
| Q2 25 | -90.3% | -68.0% | ||
| Q1 25 | — | 5.9% |
| Q4 25 | — | 1.1% | ||
| Q3 25 | 1.9% | 0.2% | ||
| Q2 25 | 5.5% | 0.0% | ||
| Q1 25 | — | 0.8% |
| Q4 25 | — | — | ||
| Q3 25 | -0.82× | — | ||
| Q2 25 | -2.82× | — | ||
| Q1 25 | — | 12.96× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
COSO
Segment breakdown not available.
JFB
| Nonrelated Party | $12.5M | 78% |
| Other | $3.5M | 22% |
