COSO Stock Analysis: CoastalSouth Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 324m USD | 12M Return: 25.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.54M
EPS Trend: -51.4%
Qual. Beats: 0
Rev. Trend: 92.0%
Warnings
Tailwinds
Seasonality 8.8 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CoastalSouth Bancshares, Inc. (NYSE: COSO) is a bank holding company that operates Coastal States Bank, providing a full suite of banking products and services to retail and commercial customers. The company is headquartered in Atlanta, Georgia, and was founded in 2003.
On the funding side, COSO accepts a range of deposits including checking, savings, money market, and certificates of deposit, along with demand deposit accounts and other interest-bearing products. As a regional bank, its deposit gathering typically supports local lending and relationship-based banking within its geographic footprint.
On the lending side, the company originates 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. It also provides retail loans including residential mortgages, marine vessel financing, cash value life insurance lines of credit, consumer loans, and loans held-for-sale.
In addition to lending, COSO offers treasury management services (balance reporting, wire transfers, ACH origination, stop payments), specialty lending programs (senior housing, marine, government guaranteed, and warehouse lending), debit cards, telephone banking, and digital channels such as online and mobile banking, bill pay, and electronic statement delivery. Cash management products include remote deposit capture, positive pay, zero balance accounts, and sweep accounts.
- Net interest margin compresses as Fed cuts rates
- Senior housing and marine lending drive loan growth
- CRE portfolio credit losses rise in softening economy
| Net Income: 26.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.39 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -1.39k%; Δ 354.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 43.7m > Net Income 26.2m |
| Net Debt (-387.6m) to EBITDA (35.8m): -10.84 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (12.4m) vs 12m ago 16.90% < -2% |
| Gross Margin: 59.30% > 18% (prev 55.76%; Δ 3.54% > 0.5%) |
| Asset Turnover: 6.10% > 50% (prev 6.05%; Δ 0.05% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBIT TTM 32.8m / Interest Expense TTM 53.4m) |
| A: -0.61 (Total Current Assets 620.2m - Total Current Liabilities 2.06b) / Total Assets 2.35b |
| B: 0.03 (Retained Earnings 72.6m / Total Assets 2.35b) |
| C: 0.01 (EBIT TTM 32.8m / Avg Total Assets 2.27b) |
| D: 0.13 (Book Value of Equity 262.9m / Total Liabilities 2.09b) |
| Altman-Z'' = -3.68 = D |
As of July 08, 2026, the stock is trading at USD 26.55 with a total of 93,775 shares traded. Over the past week, the price has changed by -1.01%, over one month by +2.04%, over three months by +6.88% and over the past year by +25.44%.
Current recommended Stop Loss: 25.60 (which is 3.6% or 1.6 ATR below the current price).
CoastalSouth Bancshares has no consensus analysts rating.
P/E Trailing = 12.1
P/S = 3.9461
P/B = 1.2417
Revenue TTM = 138.4m USD
EBIT TTM = 32.8m USD
EBITDA TTM = 35.8m USD
Long Term Debt = 30.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 30.0m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -387.6m USD (calculated: Debt 30.0m - CCE 417.6m)
Enterprise Value = 323.9m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.61 (Ebit TTM 32.8m / Interest Expense TTM 53.4m)
EV/FCF = 7.62x (Enterprise Value 323.9m / FCF TTM 42.5m)
FCF Yield = 13.13% (FCF TTM 42.5m / Enterprise Value 323.9m)
FCF Margin = 30.72% (FCF TTM 42.5m / Revenue TTM 138.4m)
Net Margin = 18.91% (Net Income TTM 26.2m / Revenue TTM 138.4m)
Gross Margin = 59.30% ((Revenue TTM 138.4m - Cost of Revenue TTM 56.3m) / Revenue TTM)
Gross Margin QoQ = 61.76% (prev 59.48%)
Tobins Q-Ratio = 0.14 (Enterprise Value 323.9m / Total Assets 2.35b)
Interest Expense / Debt = 177.9% (Interest Expense 53.4m / Debt 30.0m)
Taxrate = 20.28% (6.66m / 32.8m)
NOPAT = 26.2m (EBIT 32.8m * (1 - 20.28%))
Current Ratio = 0.30 (Total Current Assets 620.2m / Total Current Liabilities 2.06b)
Debt / Equity = 0.11 (Debt 30.0m / totalStockholderEquity, last quarter 262.9m)
Debt / EBITDA = -10.84 (Net Debt -387.6m / EBITDA 35.8m)
Debt / FCF = -9.11 (Net Debt -387.6m / FCF TTM 42.5m)
Total Stockholder Equity = 245.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.15% (Net Income 26.2m / Total Assets 2.35b)
RoE = 10.66% (Net Income TTM 26.2m / Total Stockholder Equity 245.6m)
RoCE = 11.91% (EBIT 32.8m / Capital Employed (Equity 245.6m + L.T.Debt 30.0m))
RoIC = 9.20% (NOPAT 26.2m / Invested Capital 284.5m)
WACC = 5.96% (E(323.9m)/V(353.9m) * Re(6.51%) + (debt cost/tax rate unavailable))
Discount Rate = 6.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 91.11 | Cagr: 11.99%
[DCF] Terminal Value 77.97% ; FCFF base≈29.2m ; Y1≈33.5m ; Y5≈49.3m
[DCF] Fair Price = 93.81 (EV 741.5m - Net Debt -387.6m = Equity 1.13b / Shares 12.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -51.38 | EPS CAGR: -4.47% | SUE: -0.17 | # QB: 0
Revenue Correlation: 91.97 | Revenue CAGR: 12.49% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.58 | Chg30d=+5.45% | Revisions=+40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.60 | Chg30d=+1.68% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=2.32 | Chg30d=+0.65% | Revisions=+25% | GrowthEPS=+7.4% | GrowthRev=+13.5%
EPS next Year (2027-12-31): EPS=2.65 | Chg30d=+0.38% | Revisions=+25% | GrowthEPS=+14.4% | GrowthRev=+10.0%
[Analyst] Revisions Ratio: +62% (up=5, down=0)