CoastalSouth Bancshares (COSO) Cash Flow: Operating & Free Cash Flow

CoastalSouth Bancshares Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for CoastalSouth Bancshares, Inc. (COSO) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	24.89	21.90	24.48	18.19	12.32	6.37	2.60	-0.18	-11.81
Depreciation & Amortization	2.04	2.70	2.83	2.44	1.92	1.53	1.43	0.70	0.51
Deferred Income Tax	-0.21	0.00	-0.26	1.54	-0.61	0.06	0.79	-0.18	-2.02
Stock Based Compensation	0.95	1.30	1.09	0.94	1.18	1.04	0.91	0.58	0.15
Change in Working Capital	0.46	0.94	-1.16	-0.18	-1.78	-33.42	-47.48	4.22	32.50
Change in Other Working Capital	2.27	0.94	-1.16	-0.18	-1.78	-33.42	-47.48	4.22	32.50
Other Operating Activities	-4.40	-39.51	10.16	60.61	57.85	4.07	3.88	3.58	7.99
Net Cash from Operating Activities	63.13	-12.67	37.14	83.54	70.88	-20.36	-37.88	8.72	27.31
Investing Activities
Capital Expenditures	-1.83	-1.41	-0.31	-2.16	-2.19	-2.85	-2.92	-5.31	-5.00
Acquisitions	0.00	0.00	0.00	-379.22	80.91	-227.72	-88.77	18.67	1.92
Purchases of Investments	-50.80	0.00	-22.63	-144.33	-177.36	-83.03	-14.23	-27.79	-20.96
Sales/Maturities of Investments	65.87	0.00	39.44	21.78	17.35	19.43	8.08	16.81	9.00
Other Investing Activities	0.83	-15.90	-192.85	1.03	-145.01	-4.21	0.21	-35.74	-24.26
Net Cash from Investing Activities	-224.10	-17.31	-176.35	-502.90	-226.30	-298.39	-97.62	-33.35	-45.22
Financing Activities
Debt Repayment	-15.00	-47.00	-52.04	96.04	-101.50	136.02	10.00	-75.00	37.65
Common Stock Issued	31.96	12.24	8.84	0.02	0.00	0.00	19.31	0.00	39.98
Common Stock Repurchased	-0.07	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividends Paid	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-24.51
Other Financing Activities	152.88	84.15	202.01	127.90	324.28	290.46	87.77	21.52	51.47
Net Cash from Financing Activities	172.77	49.39	158.80	223.97	222.78	426.48	117.08	-53.48	129.10
Summary
Net Change in Cash	11.81	19.41	19.59	-195.40	67.36	107.73	-18.42	-78.10	111.19
Cash at Beginning of Period	67.96	48.55	28.96	224.36	157.00	49.27	67.70	145.80	34.61
Cash at End of Period	79.77	67.96	48.55	28.96	224.36	157.00	49.27	67.70	145.80
Free Cash Flow	61.30	-14.08	36.83	81.38	68.69	-23.21	-40.80	3.41	22.31
Supplemental Disclosures
Interest Paid	51.47	60.60	36.33	8.05	5.50	-	-	-	-
Income Taxes Paid	1.84	-0.88	5.29	3.41	4.42	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About CoastalSouth Bancshares Cash Flow

What is CoastalSouth Bancshares's free cash flow?

CoastalSouth Bancshares generated free cash flow of $61.30M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $63.13M minus $1.83M of capital expenditures. Free cash flow equaled 75.7% of revenue.

How much does CoastalSouth Bancshares spend on capital expenditures?

CoastalSouth Bancshares spent $1.83M on capital expenditures in fiscal 2025, compared with $1.41M a year earlier. That equals 2.9% of operating cash flow.

Does CoastalSouth Bancshares pay dividends or buy back shares?

Yes. In fiscal 2025 CoastalSouth Bancshares returned $69.00K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition