Demonstrações financeiras detalhadas de CoastalSouth Bancshares, Inc. (COSO): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
CoastalSouth Bancshares, Inc. registou receitas de $135.8M no último exercício, com um CAGR de 5 anos de 25.4%. O lucro líquido atingiu $24.9M, com CAGR de 5 anos de 31.3%.
Margens dos últimos 12 meses: margem bruta 60.6%, margem operacional 24.6%, margem líquida 19.6%.
Ao preço atual de $27.23, COSO negocia a um P/L de 11.96 e um ROE de 10.57%. A capitalização de mercado é de $328M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $22.4M | $19.3M | $25.5M | $36.1M | $43.9M | $56.8M | $76.4M | $114.4M | $129.7M | $135.8M |
| Custo da Receita | $3.0M | $6.2M | $4.0M | $7.2M | $9.0M | $6.1M | $14.7M | $42.4M | $58.9M | $57.0M |
| Lucro Bruto | $19.4M | $13.1M | $21.5M | $28.9M | $34.9M | $50.7M | $61.7M | $72.0M | $70.8M | $78.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $9.7M | $11.7M | $17.5M | $21.0M | $18.0M | $23.1M | $24.4M | $26.5M | $27.0M | $31.6M |
| Despesas Operacionais | $14.7M | $18.7M | $21.9M | $25.4M | $26.6M | $35.3M | $37.8M | $40.5M | $43.6M | $47.6M |
| Lucro Operacional | $4.7M | -$5.6M | -$404000 | $3.5M | $8.2M | $15.5M | $23.8M | $31.5M | $27.2M | $31.1M |
| EBITDA | $5.2M | -$5.1M | $151000 | $4.5M | $9.4M | $16.9M | $25.5M | $33.6M | $29.4M | $33.5M |
| Despesas com Juros | $2.2M | $1.7M | $2.3M | $5.3M | $5.8M | $4.8M | $9.6M | $42.7M | $58.3M | $53.8M |
| Lucro Antes de Impostos | $4.7M | -$5.6M | -$404000 | $3.5M | $8.2M | $15.5M | $23.8M | $31.5M | $27.2M | $31.1M |
| Imposto | $1.7M | $3.5M | -$223000 | $863000 | $1.9M | $3.1M | $5.6M | $7.0M | $5.3M | $6.2M |
| Lucro Líquido | $1.4M | -$11.8M | -$181000 | $2.6M | $6.4M | $12.3M | $18.2M | $24.5M | $21.9M | $24.9M |
| LPA | $-0.01 | $-3.59 | $-0.03 | $0.36 | $0.80 | $1.51 | $2.09 | $2.61 | $2.15 | $2.24 |
| LPA Diluído | $-0.01 | $-3.59 | $-0.03 | $0.36 | $0.80 | $1.48 | $2.05 | $2.58 | $2.09 | $2.16 |
| Ações em Circulação (Diluídas) | $7.9M | $3.3M | $6.1M | $7.3M | $8.0M | $8.3M | $8.9M | $9.5M | $10.5M | $11.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $35.0M | $35.3M | $34.5M | $35.8M |
| Lucro Bruto | $20.6M | $21.0M | $21.3M | $22.2M |
| Lucro Operacional | $8.8M | $8.7M | $8.3M | $8.8M |
| EBITDA | $9.5M | $9.7M | $8.9M | $8.8M |
| Lucro Líquido | $6.7M | $7.1M | $6.3M | $7.3M |
| LPA | $0.57 | $0.60 | $0.53 | $0.61 |
| LPA Diluído | $0.55 | $0.58 | $0.51 | $0.59 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $19.2M | $96.8M | $38.5M | $4.7M | $7.4M | $15.3M | $19.3M | $19.6M | $68.0M | $41.5M |
| Investimentos de Curto Prazo | $41.6M | $54.8M | $59.9M | $61.4M | $119.6M | $502.2M | $375.8M | $383.7M | 0 | $339.3M |
| Contas a Receber | $3.8M | $2.1M | $2.3M | $2.2M | $3.8M | $3.9M | $7.9M | $22.8M | 0 | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $65.5M | $154.4M | $101.5M | $69.1M | $131.7M | $522.9M | $404.3M | $427.9M | $68.0M | $79.8M |
| Imobilizado | $1.7M | $1.2M | $12.0M | $14.9M | $18.5M | $20.6M | $23.3M | $21.6M | $21.8M | $18.1M |
| Ágio | 0 | 0 | $4.7M | $4.7M | $4.7M | $4.7M | $4.7M | $4.7M | $4.7M | $6.3M |
| Ativos Intangíveis | 0 | 0 | $1.6M | $1.7M | $1.6M | $2.9M | $2.2M | $1.8M | $1.7M | 0 |
| Ativos Totais | $413.5M | $532.0M | $584.1M | $708.5M | $1.15B | $1.61B | $1.84B | $2.03B | $2.10B | $2.31B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | $30.2M | 0 | 0 | 0 | $10.0M | $18.0M | $24.0M | 0 | 0 |
| Passivos Circulantes | $339.9M | $397.4M | $513.3M | $601.1M | $891.6M | $1.43B | $1.57B | $1.77B | $1.24B | $526.9M |
| Dívida de Longo Prazo | $37.9M | $75.5M | $500000 | $10.0M | $146.0M | $34.6M | $122.7M | $64.7M | $14.7M | $30.0M |
| Passivos Totais | $379.3M | $474.8M | $516.3M | $616.2M | $1.05B | $1.49B | $1.72B | $1.87B | $1.90B | $2.05B |
| Reservas | -$19.6M | -$39.5M | -$39.6M | -$37.0M | -$30.6M | -$18.3M | -$86000 | $20.1M | $42.0M | $66.9M |
| Patrimônio Líquido | $34.2M | $57.1M | $67.8M | $92.3M | $102.0M | $124.9M | $118.8M | $156.0M | $195.2M | $259.5M |
| Dívida Total | $37.9M | $105.7M | $500000 | $10.0M | $146.0M | $44.6M | $140.7M | $88.7M | $14.7M | $30.0M |
| Dívida Líquida | -$23.0M | -$45.9M | -$97.9M | -$56.1M | $19.1M | -$473.0M | -$254.4M | -$314.7M | -$53.2M | -$350.8M |
| Capital de Giro | -$274.4M | -$243.0M | -$411.8M | -$532.0M | -$759.9M | -$911.3M | -$1.16B | -$1.35B | -$1.17B | -$447.1M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $20.1M | $41.5M | $22.5M | $24.3M |
| Ativos Totais | $2.26B | $2.31B | $2.35B | $2.42B |
| Passivos Totais | $2.00B | $2.05B | $2.09B | $2.15B |
| Patrimônio Líquido | $250.4M | $259.5M | $262.9M | $269.7M |
| Dívida Total | $25.0M | $30.0M | 0 | $75.0M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $1.4M | -$11.8M | -$181000 | $2.6M | $6.4M | $12.3M | $18.2M | $24.5M | $21.9M | $24.9M |
| Depreciação e Amortização | $565000 | $505000 | $699000 | $1.4M | $1.5M | $1.9M | $2.4M | $2.8M | $2.7M | $2.3M |
| Compensação em Ações | $1.5M | $149000 | $583000 | $909000 | $1.0M | $1.2M | $937000 | $1.1M | $1.3M | $946000 |
| Variação Capital de Giro | -$12.2M | $32.5M | $4.2M | -$47.5M | -$33.4M | -$1.8M | -$183000 | -$1.2M | $940000 | $2.3M |
| Fluxo de Caixa Operacional | -$7.9M | $27.3M | $8.7M | -$37.9M | -$20.4M | $70.9M | $83.5M | $37.1M | -$12.7M | $63.1M |
| CapEx | -$2.5M | -$5.0M | -$5.3M | -$2.9M | -$2.8M | -$2.2M | -$2.2M | -$310000 | -$1.4M | -$1.8M |
| Aquisições | 0 | $1.9M | $18.7M | -$88.8M | -$227.7M | $80.9M | -$379.2M | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -$69000 |
| Dividendos Pagos | 0 | -$24.5M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | -$10.5M | $22.3M | $3.4M | -$40.8M | -$23.2M | $68.7M | $81.4M | $36.8M | -$14.1M | $61.3M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | -$5.5M | $85.5M | -$20.6M | $9.8M |
| CapEx | -$412000 | -$326000 | 0 | -$236000 |
| Fluxo de Caixa Livre | -$5.9M | $85.4M | -$20.6M | $9.6M |
| Dividendos Pagos | 0 | 0 | -$599000 | -$608000 |
| Compensação em Ações | $229000 | $484000 | $318000 | $318000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -14.0% | +32.5% | +41.4% | +21.7% | +29.5% | +34.4% | +49.8% | +13.4% | +4.7% |
| Crescimento Lucro Líquido (anual) | | -921.5% | +98.5% | +1538.1% | +144.6% | +93.5% | +47.6% | +34.6% | -10.5% | +13.6% |
| Crescimento LPA (anual) | | -65172.7% | +99.2% | +1296.0% | +122.2% | +88.8% | +38.4% | +24.9% | -17.6% | +4.2% |
| Variação de Ações (anual) | | -58.6% | +84.4% | +19.6% | +10.1% | +4.2% | +6.4% | +7.4% | +10.2% | +10.0% |
| Crescimento FCF (anual) | | +313.2% | -84.7% | -1296.0% | +43.1% | +396.0% | +18.5% | -54.7% | -138.2% | +535.3% |
| Margem Bruta | 86.5% | 68.0% | 84.3% | 80.2% | 79.5% | 89.3% | 80.8% | 62.9% | 54.6% | 58.0% |
| Margem Operacional | 20.9% | -29.2% | -1.6% | 9.6% | 18.7% | 27.2% | 31.2% | 27.5% | 21.0% | 22.9% |
| Margem EBITDA | 23.5% | -26.6% | 0.6% | 12.6% | 21.3% | 29.8% | 33.3% | 29.3% | 22.6% | 24.6% |
| Margem Líquida | 6.4% | -61.4% | -0.7% | 7.2% | 14.5% | 21.7% | 23.8% | 21.4% | 16.9% | 18.3% |
| Margem FCF | -46.8% | 115.9% | 13.4% | -113.1% | -52.9% | 120.9% | 106.5% | 32.2% | -10.9% | 45.1% |
| Taxa Efetiva de Imposto | 35.3% | -62.4% | 55.2% | 24.9% | 22.5% | 20.3% | 23.7% | 22.3% | 19.5% | 20.1% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $-1.32 | $6.78 | $0.56 | $-5.62 | $-2.91 | $8.25 | $9.19 | $3.87 | $-1.34 | $5.32 |
| Dividendo por Ação | $0.00 | $7.45 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $7.9M | $3.3M | $6.0M | $7.2M | $8.0M | $8.1M | $8.7M | $9.4M | $10.2M | $11.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.57% |
| Retorno sobre capital investido | -1.70% |
| Retorno sobre ativos | 1.14% |
| Margem bruta | 60.58% |
| Margem operacional | 24.64% |
| Margem líquida | 19.59% |
Saúde financeira
| Dívida / Patrimônio | 0.28 |
| Liquidez corrente | 0.19 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | -3636.36 | -5.15 | -335.88 | 34.86 | 15.12 | 11.43 | 8.61 | 5.75 | 10.20 | 10.38 |
| P/VP | 4.65 | 1.07 | 0.90 | 0.98 | 0.94 | 1.13 | 1.32 | 0.90 | 1.15 | 1.03 |
| P/V | 7.10 | 3.16 | 2.39 | 2.52 | 2.20 | 2.47 | 2.05 | 1.23 | 1.72 | 1.97 |
| Margem Bruta | 86.5% | 68.0% | 84.3% | 80.2% | 79.5% | 89.3% | 80.8% | 62.9% | 54.6% | 58.0% |
| Margem Operacional | 20.9% | -29.2% | -1.6% | 9.6% | 18.7% | 27.2% | 31.2% | 27.5% | 21.0% | 22.9% |
| Margem Líquida | 6.4% | -61.4% | -0.7% | 7.2% | 14.5% | 21.7% | 23.8% | 21.4% | 16.9% | 18.3% |