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Side-by-side financial comparison of CoastalSouth Bancshares, Inc. (COSO) and YORK WATER CO (YORW). Click either name above to swap in a different company.
CoastalSouth Bancshares, Inc. is the larger business by last-quarter revenue ($21.3M vs $19.4M, roughly 1.1× YORK WATER CO). CoastalSouth Bancshares, Inc. runs the higher net margin — 31.7% vs 26.7%, a 5.0% gap on every dollar of revenue.
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.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
COSO vs YORW — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $21.3M | $19.4M |
| Net Profit | $6.7M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 41.2% | 33.2% |
| Net Margin | 31.7% | 26.7% |
| Revenue YoY | — | 3.2% |
| Net Profit YoY | — | 0.5% |
| EPS (diluted) | $0.54 | $0.36 |
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 | — | $19.4M | ||
| Q3 25 | $21.3M | $20.2M | ||
| Q2 25 | $19.9M | $19.1M | ||
| Q1 25 | — | $18.3M | ||
| Q4 24 | — | $18.8M | ||
| Q3 24 | — | $19.6M | ||
| Q2 24 | — | $18.6M | ||
| Q1 24 | — | $17.5M |
| Q4 25 | — | $5.2M | ||
| Q3 25 | $6.7M | $6.2M | ||
| Q2 25 | $6.0M | $5.1M | ||
| Q1 25 | — | $3.6M | ||
| Q4 24 | — | $5.1M | ||
| Q3 24 | — | $5.9M | ||
| Q2 24 | — | $5.0M | ||
| Q1 24 | — | $4.3M |
| Q4 25 | — | 33.2% | ||
| Q3 25 | 41.2% | 39.1% | ||
| Q2 25 | 35.4% | 37.1% | ||
| Q1 25 | — | 34.3% | ||
| Q4 24 | — | 35.8% | ||
| Q3 24 | — | 41.1% | ||
| Q2 24 | — | 37.9% | ||
| Q1 24 | — | 35.5% |
| Q4 25 | — | 26.7% | ||
| Q3 25 | 31.7% | 30.6% | ||
| Q2 25 | 30.0% | 26.5% | ||
| Q1 25 | — | 19.8% | ||
| Q4 24 | — | 27.4% | ||
| Q3 24 | — | 29.9% | ||
| Q2 24 | — | 26.8% | ||
| Q1 24 | — | 24.7% |
| Q4 25 | — | $0.36 | ||
| Q3 25 | $0.54 | $0.43 | ||
| Q2 25 | $0.57 | $0.35 | ||
| Q1 25 | — | $0.25 | ||
| Q4 24 | — | $0.36 | ||
| Q3 24 | — | $0.41 | ||
| Q2 24 | — | $0.35 | ||
| Q1 24 | — | $0.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $250.4M | $240.3M |
| Total Assets | $2.3B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.0K | ||
| Q3 25 | — | $1.0K | ||
| Q2 25 | — | $1.0K | ||
| Q1 25 | — | $1.0K | ||
| Q4 24 | — | $1.0K | ||
| Q3 24 | — | $1.0K | ||
| Q2 24 | — | $1.0K | ||
| Q1 24 | — | $3.3M |
| Q4 25 | — | $240.3M | ||
| Q3 25 | $250.4M | $238.0M | ||
| Q2 25 | $209.4M | $234.6M | ||
| Q1 25 | — | $232.1M | ||
| Q4 24 | — | $231.2M | ||
| Q3 24 | — | $228.7M | ||
| Q2 24 | — | $225.4M | ||
| Q1 24 | — | $222.9M |
| Q4 25 | — | $680.9M | ||
| Q3 25 | $2.3B | $667.1M | ||
| Q2 25 | $2.2B | $653.7M | ||
| Q1 25 | — | $641.8M | ||
| Q4 24 | — | $633.5M | ||
| Q3 24 | — | $621.4M | ||
| Q2 24 | — | $610.4M | ||
| Q1 24 | — | $602.3M |
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 | $8.4M |
| Free Cash FlowOCF − Capex | $-5.9M | — |
| FCF MarginFCF / Revenue | -27.7% | — |
| Capex IntensityCapex / Revenue | 1.9% | — |
| Cash ConversionOCF / Net Profit | -0.82× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $8.4M | ||
| Q3 25 | $-5.5M | $7.8M | ||
| Q2 25 | $-16.8M | $7.6M | ||
| Q1 25 | — | $6.0M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $7.5M | ||
| Q2 24 | — | $6.7M | ||
| Q1 24 | — | $6.1M |
| Q4 25 | — | — | ||
| Q3 25 | $-5.9M | — | ||
| Q2 25 | $-17.9M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | -27.7% | — | ||
| Q2 25 | -90.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.9% | — | ||
| Q2 25 | 5.5% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | 1.63× | ||
| Q3 25 | -0.82× | 1.26× | ||
| Q2 25 | -2.82× | 1.50× | ||
| Q1 25 | — | 1.65× | ||
| Q4 24 | — | 1.98× | ||
| Q3 24 | — | 1.29× | ||
| Q2 24 | — | 1.34× | ||
| Q1 24 | — | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
