CoastalSouth Bancshares, Inc. (COSO) vs First Community Corporation (FCCO)

CoastalSouth Bancshares, Inc. and First Community Corporation are both Banks Regional companies. CoastalSouth Bancshares, Inc. and First Community Corporation are of similar size ($331.6M and $306.5M). First Community Corporation trades at the lower P/E: 12.0× against 12.3×. CoastalSouth Bancshares, Inc. has the higher net margin (19.6% vs 18.3%) and the lower return on invested capital (6.97% vs 24.6%). Both pay a dividend; First Community Corporation yields more (2.02% vs 0.53%). Across the 16 metrics below, First Community Corporation leads on 9 and CoastalSouth Bancshares, Inc. on 7.

Valuation

Metric COSO FCCO Banks Regional median
P/E 12.29 11.99 12.02
P/S 2.42 2.42 2.36
P/B 1.26 1.34 1.23
Price to free cash flow 5.08 46.46 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.13% 8.34% 8.21%
Free cash flow yield 19.68% 2.15% 9.23%

Profitability

Metric COSO FCCO Banks Regional median
Gross margin 62.61% 70.81% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.59% 18.32% 18.82%
Free cash flow margin 47.72% 5.21% 17.97%
Return on equity 11.50% 12.06% 10.28%
Return on assets 1.19% 1.05% 1.13%
Return on invested capital 6.97% 24.59% 8.45%

Growth

Metric COSO FCCO Banks Regional median
Revenue growth (TTM) — 15.93% 6.37%
EPS growth (last fiscal year) 3.26% 36.46% 18.85%
Revenue growth, 5-year CAGR — 14.65% 12.65%
Net income growth, 5-year CAGR — 13.72% 9.81%

Health

Metric COSO FCCO Banks Regional median
Debt to equity 0.28 0.07 0.17
Current ratio 0.95 0.82 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric COSO FCCO Banks Regional median
Dividend yield 0.53% 2.02% 2.49%
Payout ratio 0.07 0.25 0.29

Size

Metric COSO FCCO Banks Regional median
Market cap 331.61m 306.53m 934.85m

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