CoastalSouth Bancshares, Inc. COSO R2K

Financial Services · Banks - Regional · United States

https://www.coastalstatesbank.com

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 construction loans; income-producing and owner-occupied commercial real estate loans; senior housing loans; and commercial and industrial loans. In addition, the company offers retail loans, including residential mortgages, marine vessels, cash value life insurance line of credit, and other consumer loans, as well as loans held-for-sale. Further, it provides commercial treasury management services which includes balance reporting, transfers between accounts, wire transfer initiation, ACH origination and stop payments; senior housing lending, marine lending, and government guaranteed lending; warehouse lending; debit cards; and telephone banking. In addition, the company offers online banking solutions comprising access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions; direct deposits; cashier's checks; wire transfer services; automated clearing house services; and cash management deposit products consist of remote deposit capture, positive pay, zero balance accounts and sweep accounts. The company was founded in 2003 and is headquartered in Atlanta, Georgia.

Market & Price

Market Cap

$310.64M

Current Price

$25.53

High / Low (52W)

$25.94 / $19.27

Beta

0.01

Valuation

Stock P/E

11.60

Industry PE

12.01

Forward P/E

9.62

PEG Ratio

Book Value

$21.94

Price to Book

1.16

P/S

3.78

EV/EBITDA

Dividend Yield

0.78%

Profitability & Returns

ROCE

ROE

11.26%

ROA

1.15%

Profit Margin

31.88%

Op Margin

40.58%

EPS (Latest Qtr)

$0.51

EPS (TTM)

$2.20

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$6.42M

Total Assets

$2.31B

Current Assets

Working Capital

Ownership

Promoter Holding

12.37%

Chg in Prom Hold

FII / Inst Holding

64.75%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$245.24M

Total Revenue (TTM)

$82.08M

EBITDA

Free Cash Flow

Operating Cash Flow

$43.73M

Shares Outstanding

12.04M

Gross Margin

0.00%

Payout Ratio

2.27%

Growth (CAGR)

Revenue 5Y

8.55%

Profit 5Y

11.02%

Revenue (YoY)

18.40%

Earnings (YoY)

8.50%

PROS

Excellent profit margin of 31.9%.
Profit CAGR of 11.0% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	COSO CoastalSouth Bancshares, Inc. R2K	25.53	11.60	$310.64M	0.78%	-	11.26%	8.55%	11.02%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	528.00K	-	-	18.64M	19.87M	21.29M	21.17M	21.71M
Cost of Revenue	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	13.27M	13.71M	13.70M	13.14M	12.82M
Pretax Income	-	-	-	6.59M	7.03M	8.78M	8.73M	8.29M
Tax Provision	-	-	-	1.54M	1.06M	2.04M	1.60M	1.96M
Net Income	5.89M	-	-	5.05M	5.96M	6.74M	7.14M	6.33M
Diluted EPS	0.56	-	-	0.47	0.57	0.54	0.60	0.51

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	63.30M	71.66M	68.93M	80.97M
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	-	-	-	-
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	9.62M	42.72M	58.33M	53.82M
Pretax Income	-	23.83M	31.50M	27.21M	31.14M
Tax Provision	-	5.64M	7.02M	5.31M	6.24M
Net Income	-	18.19M	24.48M	21.90M	24.89M
Diluted EPS	-	2.05	2.58	2.09	2.16

Compounded Sales Growth

5 Years:	8.55%
1 Year:	18.40%

Compounded Profit Growth

5 Years:	11.02%
1 Year:	8.50%

Stock Price Performance

1 Year:	+22.35%
6 Months:	+15.46%
3 Months:	+4.20%
1 Month:	+0.43%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	1.84B	2.03B	2.10B	2.31B
Current Assets	-	-	-	-	-
Cash & Equivalents	-	19.32M	19.60M	37.32M	41.54M
Inventory	-	-	-	-	-
Receivables	-	7.86M	20.00M	9.71M	10.03M
Total Liabilities	-	1.72B	1.87B	1.90B	2.05B
Current Liabilities	-	-	-	-	-
Long Term Debt	-	122.68M	64.68M	29.73M	30.00M
Total Debt	-	140.68M	88.67M	41.73M	30.00M
Total Equity	-	118.80M	156.04M	195.23M	259.53M
Shares Outstanding	-	8.96M	9.54M	10.27M	11.98M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	83.54M	37.14M	-12.67M	63.13M
Investing Cash Flow	-	-502.90M	-176.35M	-17.31M	-224.09M
Financing Cash Flow	-	223.97M	158.80M	49.39M	172.77M
Capital Expenditure	-	-2.16M	-310.00K	-1.41M	-1.83M
Free Cash Flow	-	81.38M	36.83M	-14.08M	61.30M
Net Change in Cash	-	-195.40M	19.59M	19.41M	11.81M
Share Buybacks	-	-	-	-	69.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	28.7%	34.2%	31.8%	30.7%
ROE %	-	15.3%	15.7%	11.2%	9.6%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

12.37%

Institutions

64.75%

Public Float

73.89%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Patriot Financial Partners Gp II, L.P.	14.30%	1.16M	$29.59M
2	Fourthstone LLC	13.57%	1.10M	$28.10M
3	Blackrock Inc.	6.07%	492.03K	$12.56M
4	Vanguard Capital Management LLC	5.01%	406.43K	$10.38M
5	Alliancebernstein L.P.	4.90%	397.57K	$10.15M
6	Berkeley Capital Partners, LLC	4.45%	360.56K	$9.21M
7	Mendon Capital Advisors Corp	4.07%	329.74K	$8.42M
8	North Reef Capital Management LP	3.96%	320.98K	$8.19M
9	Curi Capital LLC	3.74%	302.95K	$7.73M
10	Goldman Sachs Group Inc	3.18%	258.14K	$6.59M

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COSO · Financial Services