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Side-by-side financial comparison of CoastalSouth Bancshares, Inc. (COSO) and PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK). Click either name above to swap in a different company.
PEOPLES BANCORP OF NORTH CAROLINA INC is the larger business by last-quarter revenue ($21.5M vs $21.3M, roughly 1.0× CoastalSouth Bancshares, Inc.). CoastalSouth Bancshares, Inc. runs the higher net margin — 31.7% vs 30.8%, a 0.8% gap on every dollar of revenue. PEOPLES BANCORP OF NORTH CAROLINA INC produced more free cash flow last quarter ($20.0M vs $-5.9M).
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.
PEOPLES BANCORP OF NORTH CAROLINA INC is a regional bank holding company headquartered in North Carolina, U.S. It offers a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving local residents, small and medium-sized enterprises, and community organizations across its operating areas in North Carolina.
COSO vs PEBK — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.3M | $21.5M |
| Net Profit | $6.7M | $6.6M |
| Gross Margin | — | — |
| Operating Margin | 41.2% | 40.7% |
| Net Margin | 31.7% | 30.8% |
| Revenue YoY | — | 5.6% |
| Net Profit YoY | — | 86.4% |
| EPS (diluted) | $0.54 | $1.21 |
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 | — | $21.5M | ||
| Q3 25 | $21.3M | $21.4M | ||
| Q2 25 | $19.9M | $20.7M | ||
| Q1 25 | — | $20.0M | ||
| Q4 24 | — | $20.4M | ||
| Q3 24 | — | $20.5M | ||
| Q2 24 | — | $20.1M | ||
| Q1 24 | — | $19.8M |
| Q4 25 | — | $6.6M | ||
| Q3 25 | $6.7M | $3.7M | ||
| Q2 25 | $6.0M | $5.2M | ||
| Q1 25 | — | $4.3M | ||
| Q4 24 | — | $3.6M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $3.9M |
| Q4 25 | — | 40.7% | ||
| Q3 25 | 41.2% | 22.4% | ||
| Q2 25 | 35.4% | 32.2% | ||
| Q1 25 | — | 28.2% | ||
| Q4 24 | — | 22.5% | ||
| Q3 24 | — | 26.0% | ||
| Q2 24 | — | 31.3% | ||
| Q1 24 | — | 23.9% |
| Q4 25 | — | 30.8% | ||
| Q3 25 | 31.7% | 17.2% | ||
| Q2 25 | 30.0% | 24.9% | ||
| Q1 25 | — | 21.8% | ||
| Q4 24 | — | 17.5% | ||
| Q3 24 | — | 19.3% | ||
| Q2 24 | — | 24.4% | ||
| Q1 24 | — | 19.9% |
| Q4 25 | — | $1.21 | ||
| Q3 25 | $0.54 | $0.67 | ||
| Q2 25 | $0.57 | $0.95 | ||
| Q1 25 | — | $0.79 | ||
| Q4 24 | — | $0.65 | ||
| Q3 24 | — | $0.72 | ||
| Q2 24 | — | $0.89 | ||
| Q1 24 | — | $0.72 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $58.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $250.4M | $157.1M |
| Total Assets | $2.3B | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $58.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $59.3M | ||
| Q3 24 | — | $73.2M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $157.1M | ||
| Q3 25 | $250.4M | $149.5M | ||
| Q2 25 | $209.4M | $144.0M | ||
| Q1 25 | — | $138.5M | ||
| Q4 24 | — | $130.6M | ||
| Q3 24 | — | $136.3M | ||
| Q2 24 | — | $124.3M | ||
| Q1 24 | — | $121.1M |
| Q4 25 | — | $1.7B | ||
| Q3 25 | $2.3B | $1.7B | ||
| Q2 25 | $2.2B | $1.7B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.7B |
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 | $21.4M |
| Free Cash FlowOCF − Capex | $-5.9M | $20.0M |
| FCF MarginFCF / Revenue | -27.7% | 92.7% |
| Capex IntensityCapex / Revenue | 1.9% | 6.6% |
| Cash ConversionOCF / Net Profit | -0.82× | 3.22× |
| TTM Free Cash FlowTrailing 4 quarters | — | $34.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $21.4M | ||
| Q3 25 | $-5.5M | $4.7M | ||
| Q2 25 | $-16.8M | $5.5M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $20.6M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $6.7M | ||
| Q1 24 | — | $3.7M |
| Q4 25 | — | $20.0M | ||
| Q3 25 | $-5.9M | $4.4M | ||
| Q2 25 | $-17.9M | $5.4M | ||
| Q1 25 | — | $5.2M | ||
| Q4 24 | — | $20.0M | ||
| Q3 24 | — | $4.7M | ||
| Q2 24 | — | $6.6M | ||
| Q1 24 | — | $3.5M |
| Q4 25 | — | 92.7% | ||
| Q3 25 | -27.7% | 20.4% | ||
| Q2 25 | -90.3% | 25.9% | ||
| Q1 25 | — | 25.8% | ||
| Q4 24 | — | 98.0% | ||
| Q3 24 | — | 22.9% | ||
| Q2 24 | — | 32.7% | ||
| Q1 24 | — | 17.9% |
| Q4 25 | — | 6.6% | ||
| Q3 25 | 1.9% | 1.5% | ||
| Q2 25 | 5.5% | 0.5% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.6% |
| Q4 25 | — | 3.22× | ||
| Q3 25 | -0.82× | 1.27× | ||
| Q2 25 | -2.82× | 1.06× | ||
| Q1 25 | — | 1.36× | ||
| Q4 24 | — | 5.78× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 1.36× | ||
| Q1 24 | — | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
