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Friday 6 November 2026
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CoastalSouth Bancshares, Inc.
COSO Financial Banks Regional
CoastalSouth Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $135.8 million, up 5.95% from fiscal 2024.
- Revenue
- +6.47%
- EPS
- +5.17%
- Free cash flow
- +158.5%
- Total debt
- +79.7%
Quarter to June 2026, against a year earlier
28.25
0.01
−0.04%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | — | 128 | 136 | 141 | +5.9% | 94 | 102 | 108 | (7.3%) | |
| Gross margin, % | — | — | — | — | — | — | — | — | 54.49 | 60.36 | 62.61 | +5.9 pt | ||||||
| EBT | — | — | — | — | — | — | — | — | 27 | 31 | 35 | +14.4% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | — | 21.23 | 22.93 | 24.64 | +1.7 pt | ||||||
| Net income | — | — | — | — | — | — | — | — | 22 | 25 | 28 | +13.6% | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | — | 12.57 | 12.21 | 11.71 | (2.9%) | |||||
| Earnings | — | — | — | — | — | — | — | — | 2.15 | 2.24 | 2.31 | +4.3% | ||||||
| Cash flow | — | — | — | — | — | — | — | — | (1.24) | 5.67 | 5.76 | n/m | ||||||
| Capex | — | — | — | — | — | — | — | — | (0.14) | (0.16) | (0.17) | +18.6% | ||||||
| Free cash flow | — | — | — | — | — | — | — | — | (1.38) | 5.51 | 5.59 | n/m | ||||||
| Book value | — | — | — | — | — | — | — | — | 19.14 | 23.33 | 22.47 | +21.9% | ||||||
| Shares, m | — | — | — | — | — | — | — | — | 10 | 11 | 12 | +9.1% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | — | 9.05 | 10.37 | 12.29 | 9.7 | |||||
| P/S | — | — | — | — | — | — | — | — | 0.00 | 1.90 | 2.42 | 1.0 | ||||||
| P/B | — | — | — | — | — | — | — | — | 1.15 | 1.00 | 1.26 | 1.1 | ||||||
| EV/Sales | — | — | — | — | — | — | — | — | 0.00 | 1.54 | — | 0.8 | ||||||
| EV/FCF | — | — | — | — | — | — | — | — | 0.00 | 3.41 | — | 1.7 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | — | (13) | 63 | 69 | n/m | |||||
| Capex | — | — | — | — | — | — | — | — | (1) | (2) | (2) | +29.4% | ||||||
| Free cash flow | — | — | — | — | — | — | — | — | (14) | 61 | 67 | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | (200) | (138) | (105) | (31.0%) | |||||
| Net debt | — | — | — | — | — | — | — | — | (26) | (50) | 41 | +89.7% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | 195 | 260 | 270 | +32.9% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | — | 0.00 | 1.13 | 1.19 | +1.1 pt | |||||
| ROIC | — | — | — | — | — | — | — | — | 10.06 | 9.28 | 6.97 | (0.8) pt | ||||||
| ROE | — | — | — | — | — | — | — | — | 0.00 | 10.95 | 11.50 | +11.0 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 180 | 196 | — | +8.9% | |||||
| Revenue/emp, $m | — | — | — | — | — | — | — | — | 0.71 | 0.69 | — | (2.7%) | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026
CoastalSouth Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| ISBA Isabella Bank Corporation | $345.0M | 13.9× | 12.2× | +9.91% (above 0%: growing) | +21.83% (above 0%: growing) | +399.09% (above 0%: growing) | 74.62% | 0.00% | Compare |
| FSBW FS Bancorp, Inc. | $344.5M | 9.9× | 12.0× | +3.60% (above 0%: growing) | +6.00% (above 0%: growing) | +778.44% (above 0%: growing) | 69.52% | 0.00% | Compare |
| BCML Bay Commercial Bank | $336.8M | 25.7× | 38.5× | −3.52% (below 0%: shrinking) | n/m | −19.47% (below 0%: shrinking) | 74.74% | 0.00% | Compare |
| MVBF Mvb Financial Corp. | $332.5M | 14.8× | 12.8× | −27.72% (below 0%: shrinking) | −97.79% (below 0%: shrinking) | +55.49% (above 0%: growing) | 70.96% | 0.00% | Compare |
| COSO CoastalSouth Bancshares, Inc. | $331.6M | 12.3× | 11.6× | +6.47% (above 0%: growing) | +5.17% (above 0%: growing) | +158.51% (above 0%: growing) | 63.95% | 0.00% | |
| CBNA Chain Bridge Bancorp, Inc. | $329.7M | 12.2× | 9.8× | +51.95% (above 0%: growing) | +107.14% (above 0%: growing) | +147.51% (above 0%: growing) | 96.81% | 0.00% | Compare |
| JMSB John Marshall Bancorp, Inc. | $323.2M | 13.2× | 11.8× | +10.02% (above 0%: growing) | +38.89% (above 0%: growing) | −31.74% (below 0%: shrinking) | 60.20% | 0.00% | Compare |
| FRAF Franklin Financial Services Corp. | $313.1M | 12.8× | 12.2× | +1.12% (above 0%: growing) | +11.36% (above 0%: growing) | +20.95% (above 0%: growing) | 71.88% | 0.00% | Compare |
| FCCO First Community Corporation | $306.5M | 12.0× | 10.8× | +22.67% (above 0%: growing) | +19.12% (above 0%: growing) | −1,807.94% (below 0%: shrinking) | 72.21% | 0.00% | Compare |
| Median of peers | $331.1M | 13.0× | 12.1× | +6.76% | +19.12% | +38.22% | 72.05% | 0.00% |
Pay and ownership Proxy statement filed 13 March 2026
Ownership
Directors and executive officers, together
15.11%
Patriot Financial Partners Four Radnor Corporate Center
9.67%
Fourthstone LLC
8.10%
GCP Capital Partners
7.68%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement