CoastalSouth Bancshares, Inc. (COSO)

NYQ – Real Time Price. Currency in USD

27.80

-0.09 (-0.32%)

Market open: Aug 12, 2026, 2:32 PM EDT

27.89

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 28.13$
Day's range: 27.91 - 28.24$
52-week range: 19.75 - 28.56$
Volume: 24 973
Average volume: 69 752
Beta: 0.26
EPS (TTM): 2.3
PE ratio (TTM): 12.67
Forward P/E: 12.15
Market cap: 336 278 553
Shares outstanding: 11 954 446
Dividend yield: $0.36 (0.36%)
Next earnings date: 2026-10-26
Sector: Financials
Industry: Banks - Regional

About the company

CoastalSouth Bancshares, Inc. operates as the bank holding company for Coastal States Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, including checking, savings, money market, and certificates of deposits, as well as demand deposits accounts and interest-bearing products. It offers commercial loans, such as acquisition, development, and const... read more

CEO: Stephen Stone
Country: United States
IPO Date
Employees: 201
Fiscal Year End: January - December
Website: https://www.coastalstatesba...

Revenue Breakdown

Retail and Commercial Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: COSO

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Overall Score

4.2 / 1042%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $75.0M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.3) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.06	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.28	0.05	8.0
Debt to Assets	0.03	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	76M	116M	128M	136M	141M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	24M	31M	26M	31M	35M
Net Income	18M	24M	22M	25M	28M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	38.64	0.44	10
Net margin %	32.07	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.13	1.46	3.0
ROE	11.07	14.94	7.0
ROIC	9.74	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	12.24	11.11	7.0
Next quarter	10.3	6.03	6.0
Current year	13.38	7.18	6.5
Next year	9.65	10.15	6.5
Weighted average score			6.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	3.55	15.86	15.69	-125.48	5.8
Y/Y	6.47	22.93	4.42	N/A	5.0
3y average	22.72	12.57	N/A	129.92	7.3
5y average	26.42	35.76	N/A	146.38	7.8
Weighted average score					6.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.48	11.16	6.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.96	3.37	4.0
P/B	1.23	1.53	6.0
Weighted average score			4.4

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR13.67%

FCF 5 year CAGR4

Fair value29.41$

Stock price27.86$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$29.41

UndervaluedStock priceOvervalued

$27.86

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Stephen Stone

Country

United States

IPO Date

Employees

201

Fiscal Year End

January - December

Website

https://www.coastalstatesba...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.06

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.28

0.05

8.0

Debt to Assets

0.03

0.09

9.0

Interest coverage

N/A

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

76M

116M

128M

136M

141M

Gross Profit

N/A

Operating Income

24M

31M

26M

31M

35M

Net Income

18M

24M

22M

25M

28M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

38.64

0.44

Net margin %

32.07

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.13

1.46

3.0

ROE

11.07

14.94

7.0

ROIC

9.74

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

12.24

11.11

7.0

Next quarter

10.3

6.03

6.0

Current year

13.38

7.18

6.5

Next year

9.65

10.15

6.5

Weighted average score

6.5

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.55

15.86

15.69

-125.48

5.8

Y/Y

6.47

22.93

4.42

N/A

5.0

3y average

22.72

12.57

N/A

129.92

7.3

5y average

26.42

35.76

N/A

146.38

7.8

Weighted average score

6.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.48

11.16

6.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.96

3.37

4.0

P/B

1.23

1.53

6.0

Weighted average score

4.4

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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CoastalSouth Bancshares, Inc. (COSO)

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CoastalSouth Bancshares, Inc. (COSO)

Stock details

About the company

Revenue Breakdown

News

Chart: COSO

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.41

$27.86

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: COSO

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.41

$27.86

Economic Moat