COSO Stock Analysis: CoastalSouth Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 322m USD | 12M Return: 17% | US19058X2071 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.18M
EPS Trend: -34.0%
Qual. Beats: 0
Rev. Trend: 93.9%
Warnings
Tailwinds
No distinct edge detected
Seasonality 9 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: 27.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 2.08 > 1.0 |
| NWC/Revenue: -1.18k% < 20% (prev -1.44k%; Δ 258.8% < -1%) |
| CFO/TA 0.03 > 3% & CFO 69.2m > Net Income 27.5m |
| Net Debt (-308.9m) to EBITDA (37.5m): -8.23 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (12.4m) vs 12m ago 17.30% < -2% |
| Gross Margin: 60.58% > 18% (prev 56.17%; Δ 4.42% > 0.5%) |
| Asset Turnover: 6.06% > 50% (prev 6.00%; Δ 0.06% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBIT TTM 34.6m / Interest Expense TTM 52.6m) |
| A: -0.69 (Total Current Assets 383.9m - Total Current Liabilities 2.05b) / Total Assets 2.42b |
| B: 0.03 (Retained Earnings 79.3m / Total Assets 2.42b) |
| C: 0.01 (EBIT TTM 34.6m / Avg Total Assets 2.32b) |
| D: 0.13 (Book Value of Equity 269.7m / Total Liabilities 2.15b) |
| Altman-Z'' = -4.17 = D |
As of September 27, 2026, the stock is trading at USD 26.61 with a total of 106,330 shares traded. Over the past week, the price has changed by -1.11%, over one month by -3.38%, over three months by -0.97% and over the past year by +17.03%.
Current recommended Stop Loss: 25.60 (which is 3.8% or 1.8 ATR below the current price).
CoastalSouth Bancshares has no consensus analysts rating.
P/E Trailing = 12.1216
P/S = 3.777
P/B = 1.1928
Revenue TTM = 140.6m USD
EBIT TTM = 34.6m USD
EBITDA TTM = 37.5m USD
Long Term Debt = 75.0m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 75.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -308.9m USD (calculated: Debt 75.0m - CCE 383.9m)
Enterprise Value = 12.8m USD (321.7m + Debt 75.0m - CCE 383.9m)
Interest Coverage Ratio = 0.66 (Ebit TTM 34.6m / Interest Expense TTM 52.6m)
EV/FCF = 0.19x (Enterprise Value 12.8m / FCF TTM 68.4m)
FCF Yield = 534.6% (FCF TTM 68.4m / Enterprise Value 12.8m)
FCF Margin = 48.66% (FCF TTM 68.4m / Revenue TTM 140.6m)
Net Margin = 19.59% (Net Income TTM 27.5m / Revenue TTM 140.6m)
Gross Margin = 60.58% ((Revenue TTM 140.6m - Cost of Revenue TTM 55.4m) / Revenue TTM)
Gross Margin QoQ = 62.11% (prev 61.76%)
Tobins Q-Ratio = 0.01 (Enterprise Value 12.8m / Total Assets 2.42b)
Interest Expense / Debt = 70.08% (Interest Expense 52.6m / Debt 75.0m)
Taxrate = 20.49% (7.10m / 34.6m)
NOPAT = 27.5m (EBIT 34.6m * (1 - 20.49%))
Current Ratio = 0.19 (Total Current Assets 383.9m / Total Current Liabilities 2.05b)
Debt / Equity = 0.28 (Debt 75.0m / totalStockholderEquity, last quarter 269.7m)
Debt / EBITDA = -8.23 (Net Debt -308.9m / EBITDA 37.5m)
Debt / FCF = -4.52 (Net Debt -308.9m / FCF TTM 68.4m)
Total Stockholder Equity = 260.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.19% (Net Income 27.5m / Total Assets 2.42b)
RoE = 10.57% (Net Income TTM 27.5m / Total Stockholder Equity 260.6m)
RoCE = 10.32% (EBIT 34.6m / Capital Employed (Equity 260.6m + L.T.Debt 75.0m))
RoIC = 7.52% (NOPAT 27.5m / Invested Capital 366.3m)
WACC = 4.95% (E(321.7m)/V(396.7m) * Re(6.11%) + (debt cost/tax rate unavailable))
Discount Rate = 6.11% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 90.78 | Cagr: 9.15%
[DCF] Terminal Value 77.97% ; FCFF base≈47.6m ; Y1≈54.6m ; Y5≈80.4m
[DCF] Fair Price = 127.0 (EV 1.21b - Net Debt -308.9m = Equity 1.52b / Shares 12.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -33.95 | EPS CAGR: -2.64% | SUE: -0.09 | # QB: 0
Revenue Correlation: 93.90 | Revenue CAGR: 9.59% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.60 | Chg30d=+0.00% | Revisions=+0% | Analysts=2
EPS current Year (2026-12-31): EPS=2.31 | Chg30d=-0.22% | Revisions=+0% | GrowthEPS=+7.2% | GrowthRev=+13.4%
EPS next Year (2027-12-31): EPS=2.55 | Chg30d=-2.11% | Revisions=-40% | GrowthEPS=+10.2% | GrowthRev=+9.7%
[Analyst] Revisions Ratio: -22% (up=2, down=4)