CoastalSouth Bancshares, Inc. COSO

26.61 0.04 0.15% as of 25 Sep
Market cap
$317.6M
P/E
11.5×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.05
Total sells 0.28
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — 1 1 — — — — 1 —
Sell — — — — — — — 1 — — 4 —
Insider Ownership 24.93%

Capital & Financial Ratios

Market Cap 317.63
Revenue 140.59
Net Income 27.54
Free Cash Flow 67.09
Net Debt 40.78
Current Ratio 0.95
Debt/Equity 0.28
P/E ratio 11.52
P/S ratio 2.27
P/B ratio 1.18
Past 5Y EPS Growth —
This Y EPS Growth 7.87%
Next Y EPS Growth 10.94%
Next 5Y EPS Growth 8.38%
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.20
0.05
0.05
0.05
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash — 68 80 34
Receivables — — — —
Inventory — — — —
Other — — — —
— 1,634 1,849 1,943
2023 2024 2025 Q'26
Payables — 1,835 1,988 2,048
ST’ Debt — — — —
Other — — — —
— 1,835 1,988 2,048
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — — —
Cash Flow — — —
Earnings — — —
Book Value — — —

Revenue

Mar Jun Sep Dec Year
’26 35 36 — — —
’25 32 34 35 35 136
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (21) 10 — — —
’25 (1) (16) (5) 85 63
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (22) 10 — — —
’25 (2) (16) (6) 85 61
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.51 0.59 — — —
’25 0.47 0.57 0.54 0.58 2.16
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — — — — — 19.24

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — — — — — 25.56
High Price
— — — — — — — — 180 196
Employees
— — — — — — — — 1 1
Revenue/Emp
— — — — — — — — 128 136
Revenue
— — — — — — — — 54.49% 60.36%
Gross Margin
— — — — — — — — 27 31
EBT
— — — — — — — — 21.23% 22.93%
EBT Margin
— — — — — — — — 22 25
Net Income
— — — — — — — — 2 2
Depreciation
— — — — — — — — 12.57 12.21
Revenue/Sh
— — — — — — — — 2.15 2.24
Earnings/Sh
— — — — — — — — (1.24) 5.67
Cash Flow/Sh
— — — — — — — — (0.14) (0.16)
Capex/Sh
— — — — — — — — (1.38) 5.51
Free CF/Sh
— — — — — — — — 19.14 23.33
Book Value/Sh
— — — — — — — — 10 11
Shares
— — — — — — — — 9.05 10.37
PE Ratio
— — — — — — — — 0.00 1.90
PS Ratio
— — — — — — — — 1.10 1.00
PB Ratio
— — — — — — — — 0.00 1.54
EV/Sales
— — — — — — — — 0.00 3.41
EV/FCF
— — — — — — — — (13) 63
Op' Cash Flow
— — — — — — — — (1) (2)
Capex
— — — — — — — — (14) 61
FCF
— — — — — — — — (200) (138)
Working Cap'
— — — — — — — — 42 30
Total Debt
— — — — — — — — (26) (50)
Net Debt
— — — — — — — — 195 260
Sh' Equity
— — — — — — — — 0.00% 1.13%
ROA
— — — — — — — — 10.06% 9.28%
ROIC
— — — — — — — — 0.00% 10.95%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

CoastalSouth Bancshares, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

CoastalSouth Bancshares, Inc. (COSO) key facts

  • CoastalSouth Bancshares, Inc. (COSO) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • CoastalSouth Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $135.8 million, up 5.95% from fiscal 2024.
  • Net income was $24.9 million, or $2.24 per share (basic), a net margin of 18.3%.
  • As of September 25, 2026, COSO traded at $26.61, a market capitalization of $317.6 million.
  • At that price the stock trades at 11.5× trailing-twelve-month earnings and 2.3× sales.
  • Return on equity was 11.0% and debt-to-equity 0.28.

Source: company filings (standardised) and stockrow calculations.

CoastalSouth Bancshares, Inc. (COSO) Latest News

News by impact score

Fine-tune

20 Jul

3

CoastalSouth Bancshares, Inc. reported earnings for the second quarter of 2026. Quarterly earnings releases directly affect near-term stock valuation and investor views on financial health.

1 May

4

CoastalSouth Bancshares, Inc. (COSO) announces a stock repurchase plan. Stock repurchase plans signal management confidence, enhance shareholder value, and positively influence market performance.

20 Apr

4

CoastalSouth Bancshares, Inc. (COSO) reported earnings for the first quarter of 2026. Quarterly earnings reports reveal financial performance metrics that significantly influence investor sentiment, stock price, and the company's market trajectory.

28 Jan

3

CoastalSouth Bancshares, Inc. (NYSE:COSO) has attracted attention from institutional investors, who now hold 38% of the company's shares. This significant ownership stake indicates growing interest and confidence in the company's potential among larger investment entities. Institutional ownership at 38% suggests a moderately noticeable influence on market sentiment and potential financial performance.

20 Jan

4

CoastalSouth Bancshares, Inc. reported its earnings for the fourth quarter of 2025, highlighting a notable increase in net income compared to the previous quarter. The bank attributed this growth to improved loan performance and a reduction in non-performing assets. Additionally, the company announced plans for strategic investments aimed at enhancing its digital banking services. Overall, the results exceeded analyst expectations, contributing to a positive outlook for the upcoming fiscal year. The significant increase in net income and strategic investments in digital banking are likely to impact the company's future performance positively.

19 Jan

3

CoastalSouth Bancshares, Inc. has announced the expansion of Coastal States Bank into Charleston, South Carolina. The bank is establishing a local commercial banking team to enhance its presence in the region. This move aims to better serve local businesses and strengthen community ties, reflecting the bank's commitment to growth and customer service in new markets. Expansion into a new market can moderately influence financial performance and competitive positioning.

7 Jan

4

Coastal States Bank has successfully completed its Initial Public Offering (IPO) and is now listed on the New York Stock Exchange under the holding company CoastalSouth Bancshares, Inc. (COSO). The event was marked by an opening bell ceremony, celebrating the bank's transition to a publicly traded entity. This milestone is expected to enhance the bank's visibility and access to capital markets, positioning it for future growth. The IPO and NYSE listing are significant strategic moves that could enhance the bank's growth prospects and investor sentiment.

1 Jan

3

Insiders at CoastalSouth Bancshares, Inc. purchased a total of US$3.53 million in company stock, indicating confidence in the firm's future prospects. This significant investment by executives may positively influence market sentiment and investor confidence in the company. Insider buying can signal confidence in the company's future, potentially affecting market sentiment and performance.

21 Oct

4

CoastalSouth Bancshares, Inc. (COSO) is highlighted as one of three undervalued companies in the U.S. market with significant growth potential. The article emphasizes COSO's strong financial position, strategic initiatives, and favorable market conditions that could lead to increased investor interest and stock performance. Analysts suggest that COSO's current valuation does not reflect its true potential, making it an attractive investment opportunity for those seeking undiscovered gems in the financial sector. COSO's strong financial position and strategic initiatives are likely to significantly impact its future performance and investor sentiment.

20 Oct

4

CoastalSouth Bancshares, Inc. reported its earnings for the third quarter of 2025, highlighting significant growth in net income and improved asset quality. The bank's total assets increased, driven by strong loan demand and effective cost management strategies. Additionally, the company announced a dividend increase, reflecting its commitment to returning value to shareholders. Management expressed optimism about future growth prospects, citing favorable market conditions and strategic initiatives aimed at expanding their customer base. The reported earnings growth and dividend increase indicate a significant positive shift in the company's financial health and strategic direction.

16 Oct

3

Will Rivenbark has been appointed as Executive Vice President and Head of Commercial Real Estate Lending at Coastal States Bank, a subsidiary of CoastalSouth Bancshares, Inc. His extensive experience in commercial real estate lending is expected to enhance the bank's lending capabilities and strengthen its position in the market. Rivenbark's appointment may moderately influence the bank's competitive positioning and financial performance in the commercial real estate sector.

22 Sep

4

CoastalSouth Bancshares, Inc. (COSO) is highlighted as a promising investment opportunity within the U.S. banking sector, showcasing its potential for growth and profitability. The article emphasizes the company's strategic initiatives, financial performance, and market positioning, suggesting that it is an undiscovered gem with significant upside potential. Investors are encouraged to consider COSO as part of their portfolio, given its favorable market conditions and operational strengths. Strategic initiatives and favorable market conditions are likely to significantly impact the company's future performance.

8 Sep

3

CoastalSouth Bancshares, Inc. has appointed Laura Fraser as the new Lowcountry Market President for Coastal States Bank. Fraser brings over 20 years of banking experience and will oversee the bank's operations in the Lowcountry region, focusing on enhancing customer relationships and driving growth. Her previous roles include leadership positions at various financial institutions, and she is expected to leverage her expertise to strengthen the bank's presence in the area. The appointment of a new market president may influence the bank's operations and customer engagement but is not expected to drastically change its overall trajectory.

20 Aug

3

CoastalSouth Bancshares, Inc. (COSO) is highlighted as a potential investment opportunity in the US market for August 2025, emphasizing its growth prospects and undervalued status. The article suggests that COSO's financial performance and strategic initiatives position it favorably against competitors, making it an attractive option for investors seeking undiscovered gems in the financial sector. COSO's growth prospects and strategic initiatives may moderately influence its financial performance and competitive positioning.

1 Aug

3

Coastal States Bank has appointed Rhonda Thornton as Chief Retail and Experience Officer, Brian Smith as Coastal Regional President, and Jeremy Summerell as Savannah Market President, strengthening its senior leadership team to enhance operational effectiveness and customer experience. Leadership changes may moderately influence the bank's operational effectiveness and customer engagement strategies.

28 Jul

4

CoastalSouth Bancshares, Inc. reported its earnings for the second quarter of 2025, highlighting significant growth in net income and improved loan performance. The bank's total assets increased, driven by a rise in deposits and a strategic focus on expanding its lending portfolio. Management expressed optimism about future growth prospects and plans to enhance operational efficiencies. The results reflect a positive trend in the bank's financial health and market position. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

16 Jul

3

CoastalSouth Bancshares, Inc. (COSO) is highlighted among other small-cap stocks in a discussion about undiscovered investment opportunities in the U.S. market. The article emphasizes the potential for growth in companies like COSO, which may not yet be on the radar of mainstream investors. It suggests that these smaller firms could offer significant returns as they gain recognition and market traction. COSO's inclusion in discussions about investment opportunities indicates a moderately noticeable influence on its market perception and potential growth.

27 Jun

4

CoastalSouth Bancshares, Inc. (OTCQX: COSO) announced its shares have been approved for listing on the New York Stock Exchange (NYSE) under the symbol 'COSO,' expected to begin trading on or about July 2, 2025. The company will continue trading on the OTCQX until July 1, 2025, after which trading on the OTCQX will terminate. Stockholders do not need to take any action prior to the NYSE listing. CoastalSouth is a bank holding company headquartered in Atlanta, Georgia, with approximately $2.2 billion in total assets. Listing on the NYSE is a significant strategic move that is likely to enhance visibility and liquidity for the company.

24 Jun

4

CoastalSouth Bancshares, Inc. has launched its initial public offering (IPO) of 2,600,000 shares of common stock, with an expected price range of $21.50 to $23.50 per share. The offering includes 1,700,000 shares from CoastalSouth and 900,000 from selling shareholders, with an option for underwriters to purchase an additional 390,000 shares. Proceeds will be used for working capital, growth, acquisitions, branch expansion, and debt repayment. Piper Sandler is the sole bookrunner, and the stock will be listed on the NYSE under the ticker 'COSO'. A registration statement has been filed with the SEC but is not yet effective. The IPO represents a significant strategic move that could enhance CoastalSouth's market presence and investor sentiment.

16 May

3

Coastal States Bank has appointed Scott Hall as Senior Vice President and Commercial Banker. Hall brings over 20 years of banking experience, having previously held leadership roles at various financial institutions. His expertise is expected to enhance the bank's commercial banking services and client relationships. The appointment of a seasoned banker like Scott Hall may positively influence the bank's operations and client engagement.

22 Apr

3

Terence Lewis has been appointed as Senior Vice President and Commercial Banker at Coastal States Bank. With over 20 years of experience in the banking industry, Lewis will focus on enhancing the bank's commercial lending services and expanding its client base. His previous roles include significant positions at various financial institutions, where he developed expertise in commercial banking and client relationship management. This strategic hire aims to strengthen Coastal States Bank's market presence and service offerings. The addition of a seasoned banker like Terence Lewis is expected to moderately influence Coastal States Bank's competitive positioning and financial performance.

stockrow.com/COSO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com