CoastalSouth Bancshares, Inc. COSO R2K
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 13.6% per year over the last five years.
Trades at a P/E of 12.0, below the sector median of 13.3.
Maintains a net profit margin of 31.9%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.99M (+6.4% YoY); net profit $24.89M.
- Trailing 12 Months Year-on-year growth — revenue +18.4%, earnings +8.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.4%, profit CAGR 13.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.43% |
| 1 Year: | 18.40% |
Compounded Profit Growth
| 5 Years: | 13.64% |
| 1 Year: | 8.50% |
Stock Price Performance
| 1 Year: | +25.48% |
| 6 Months: | +14.88% |
| 3 Months: | +3.80% |
| 1 Month: | -0.97% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)50.14 · Neutral
P/E of 12.04 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 31.9%.
- Profit CAGR of 13.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 26.49 | 12.04 | $318.82M | 0.74% | - | 11.26% | 6.43% | 13.64% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | 528.00K | 427.00K | 497.00K | 487.00K | 464.00K | 519.00K |
| Net Income | 5.89M | 7.88M | 5.05M | 5.96M | 6.74M | 6.33M |
| Diluted EPS | 0.56 | 0.75 | 0.47 | 0.57 | 0.54 | 0.51 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2024 | Dec 2025 |
|---|---|---|
| Revenue | 1.86M | 1.99M |
| Net Income | 21.90M | 24.89M |
| Diluted EPS | 2.09 | 2.16 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Total Assets | - | 2.10B | 2.31B |
| Total Equity | 156.04M | 195.23M | 259.53M |
| Total Liabilities | - | 1.90B | 2.05B |
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 2024 | Dec 2025 |
|---|---|---|
| Gross Margin % | - | - |
| Operating Margin % | - | - |
| Net Margin % | 1,174.5% | 1,254.0% |
| ROE % | 11.2% | 9.6% |
| ROCE % | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Patriot Financial Partners Gp II, L.P. | 14.30% | 1.16M | $31.04M |
| 2 | Fourthstone LLC | 13.57% | 1.10M | $29.47M |
| 3 | Blackrock Inc. | 6.07% | 492.03K | $13.18M |
| 4 | Vanguard Capital Management LLC | 5.01% | 406.43K | $10.88M |
| 5 | Alliancebernstein L.P. | 4.90% | 397.57K | $10.65M |
| 6 | Berkeley Capital Partners, LLC | 4.45% | 360.56K | $9.66M |
| 7 | Mendon Capital Advisors Corp | 4.07% | 329.74K | $8.83M |
| 8 | North Reef Capital Management LP | 3.96% | 320.98K | $8.60M |
| 9 | Curi Capital LLC | 3.74% | 302.95K | $8.11M |
| 10 | Goldman Sachs Group Inc | 3.18% | 258.14K | $6.91M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for COSO
CoastalSouth Bancshares (NYSE:COSO) Shares Up 0.4% - What's Next? - MarketBeat
<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxNamNjVEI3bk1maVJCeVFBakdFUFJGcDJ6TjdTVWM5OEZBU21lQktFRHZadS1nX3dmT2s3MlVLQzFYNjhKeEl1RjZTallJLXQ5LXlFeXZNM2g1dkpNQVpwZEIzTUxfSmg3Q2JOZmtHZXV4Z1FZRDBtQnZuRzRyc19sNFp6VnQ4LWpSR3ZaQV…
CoastalSouth Bancshares, Inc. (NYSE:COSO) Passed Our Checks, And It's About To Pay A US$0.05 Dividend - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxPcWo1RmczQkJ4OG1CR0NLQXkzV05aQV96OVhlNk0xV0RheU8xYjBaeC1iODRDYW1QeXVmRm14R3U4RWk1VXpYWVI0UUk5Zzh0N3RqZmhmcUw5RmxRMWIyclpzcUFGNFU3WXlMNHhaWnBVbURocFg5dFlFMmRobmhybTNoQU8xd0tWNEdBSl…
CoastalSouth Bancshares, Inc. Just Missed EPS By 6.4%: Here's What Analysts Think Will Happen Next - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi0wFBVV95cUxPU25TUGYwQ2djUDVQZl93M2RzNGhDVHVmeXh0Nk0xVmxaMUo5a2YxQ0dSZmxUcmI4UnA3VjNxeW85cDlmNHQ4azlibl9TR3dGWTVMQ2xmTHNvMEhaakc2WDJSN1llS0lFVkx1d1RINU1FbDF5eVRuTHNQMzl2SWstV2xoalB3YmhFZTdpV0…
Hilton Head-founded bank CEO rings New York Stock Exchange bell - Hilton Head Island Packet
<a href="https://news.google.com/rss/articles/CBMickFVX3lxTE0yX0ZqUWtHNUFNWmFhU3AtYmU3WjZ1YlpHVzZ4LVZ3UUFNVUM0M0hmbTluMnhEQlV5VWlERE0xalNNbTIxYU1fZXhGdGJYMTdURG1KcmR3c3VuSy13UUhxMnlfOWcxVFdSZ2U5a1pxMGM5QdIBckFVX3lxTE5WLURwbF83QVpyY1ZvalNKaE…
CoastalSouth Bancshares, Inc. Announces Stock Repurchase Plan - Business Wire
<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxPakFKTGJOakxzbUk4bl93Q0xiaU84ZzVueTRXbGQwX0lBa0poc3FPVXBWWmMxMFBXblBQMlR0MTAzMzZXR1dfUk04NVhxREIyTEt4ZmdoaGdNX21PQ0sweWJtLWxOSVRxRUF3MWZQNEZMdmMzb2ZXemU2T1VMVUtEbVVpbXl0eC03V3ktS0…
CoastalSouth Bancshares, Inc.(NYSE: COSO) dropped from Russell 2000 Dynamic Index - marketscreener.com
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COSO — Frequently Asked Questions
What is the current share price of CoastalSouth Bancshares, Inc. (COSO)?
As of 2026-07-14 21:23 PDT, CoastalSouth Bancshares, Inc. (COSO) trades at $26.49 on NYSE. Its 52-week range is $19.84 to $27.56.
What is the market capitalisation of COSO?
CoastalSouth Bancshares, Inc. (COSO) has a market capitalisation of $318.82M on NYSE.
What is the P/E ratio of COSO?
COSO trades at a trailing price-to-earnings (P/E) ratio of 12.04. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.23.
Does COSO pay a dividend?
CoastalSouth Bancshares, Inc. (COSO) currently offers a dividend yield of 0.74%.
What is the return on equity (ROE) of COSO?
COSO has a return on equity (ROE) of 11.26%.
Is COSO a good stock to buy?
This page provides a data-driven analysis of CoastalSouth Bancshares, Inc. (COSO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.