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CoastalSouth Bancshares, Inc. (COSO) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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CoastalSouth Bancshares, Inc. (COSO - Free Report) reported $24.86 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 16.8%. EPS of $0.71 for the same period compares to $0.54 a year ago.
The reported revenue represents a surprise of +4.51% over the Zacks Consensus Estimate of $23.78 million. With the consensus EPS estimate being $0.59, the EPS surprise was +20.34%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how CoastalSouth Bancshares, Inc. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency ratio: 55.2% versus the three-analyst average estimate of 56.9%.
Net interest margin: 3.7% versus 3.6% estimated by three analysts on average.
Net charge-offs to average LHFI: 0% compared to the 0.1% average estimate based on two analysts.
Total noninterest income (loss): $3.33 million versus the three-analyst average estimate of $2.41 million.
Net interest income: $21.53 million compared to the $21.36 million average estimate based on three analysts.
Noninterest income- Gain on sale of government guaranteed loans: $1.56 million versus $0.65 million estimated by two analysts on average.
Noninterest income- Service charges on deposit accounts: $0.27 million compared to the $0.24 million average estimate based on two analysts.
Noninterest income- Mortgage banking related income: $0.38 million compared to the $0.39 million average estimate based on two analysts.
Noninterest income- Other noninterest income: $0.41 million versus the two-analyst average estimate of $0.46 million.
Noninterest income- Bank-owned life insurance: $0.48 million versus $0.47 million estimated by two analysts on average.
Noninterest income- Interchange and card fee Income: $0.24 million versus the two-analyst average estimate of $0.26 million.
Shares of CoastalSouth Bancshares, Inc. have returned -1% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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CoastalSouth Bancshares, Inc. (COSO) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
CoastalSouth Bancshares, Inc. (COSO - Free Report) reported $24.86 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 16.8%. EPS of $0.71 for the same period compares to $0.54 a year ago.
The reported revenue represents a surprise of +4.51% over the Zacks Consensus Estimate of $23.78 million. With the consensus EPS estimate being $0.59, the EPS surprise was +20.34%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how CoastalSouth Bancshares, Inc. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for CoastalSouth Bancshares, Inc. here>>>
Shares of CoastalSouth Bancshares, Inc. have returned -1% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.