Symbols / COSO Stock $25.50 +0.83% CoastalSouth Bancshares, Inc.

Financial Services • Banks - Regional • United States • NYQ
COSO (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Stephen R. Stone
Exch · Country NYQ · United States
Market Cap 310.28M
Enterprise Value 244.87M
Income 26.17M
Sales 82.08M
FCF (ttm) —
Book/sh 21.94
Cash/sh 5.69
Employees 201
Insider 10d —
IPO May 08, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 2.27%
P/E 11.59
Forward P/E 9.60
PEG —
P/S 3.78
P/B 1.16
P/C —
EV/EBITDA —
EV/Sales 2.98
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.20
EPS next Y 2.65
EPS Growth 8.50%
Revenue Growth 18.40%
EPS Gr Q/Q 25.30%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2026-04-20
ROA 1.15%
ROE 11.26%
ROIC —
Gross Margin 0.00%
Oper. Margin 40.58%
Profit Margin 31.88%
Shs Outstand 12.04M
Shs Float 7.09M
Insider Own 12.37%
Instit Own 66.02%
Short Float 1.90%
Short Ratio 1.89
Short Interest 198.86K
52W High 26.36
vs 52W High -3.26%
52W Low 19.24
vs 52W Low 32.54%
Beta 0.01
Impl. Vol. —
Rel Volume 0.55
Avg Volume 98.83K
Volume 54.43K
Target (mean) $30.00
Tgt Median $30.00
Tgt Low $30.00
Tgt High $30.00
# Analysts 2
Recom Strong_buy
Prev Close $25.29
Price $25.50
Change 0.83%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$30.00
Mean price target
2. Current target
$25.50
Latest analyst target
3. DCF / Fair value
$33.00
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$25.50
Low
$30.00
High
$30.00
Mean
$30.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main Piper Sandler Overweight → Overweight $30
2026-02-05 main Piper Sandler Overweight → Overweight $29
News
RSS: Latest COSO news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-06 VALDUGA ANTHONY P. Chief Operating Officer — 2,000 $0.00 $0
2026-05-06 VALDUGA ANTHONY P. Chief Operating Officer — 4,558 $25.84 $117,779
2026-04-27 HEMBY LAUREN M. Officer — 4,000 — —
2026-04-27 STONE STEPHEN Chief Executive Officer — 17,000 — —
2026-04-27 TURNER CAMERON BRADLEY Officer — 4,000 — —
2026-04-27 VALDUGA ANTHONY P. Chief Operating Officer — 13,000 — —
2026-03-09 STONE STEPHEN Chief Executive Officer — 200 $24.15 $4,830
2026-02-10 HIGH MICHAEL B. CPA Director — 1,500 $25.14 $37,710
2025-07-02 MACLEOD JAMES S Director — 10,000 $21.50 $215,000
2025-07-02 FRAWLEY PATRICK M Director — 4,650 $21.50 $99,975
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
80.97
+17.47%
68.93
-3.81%
71.66
+13.21%
63.30
Operating Revenue
80.97
+17.47%
68.93
-3.81%
71.66
+13.21%
63.30
Selling General And Administration
31.24
+10.16%
28.36
+6.95%
26.51
+4.70%
25.32
Selling And Marketing Expense
0.97
+13.15%
0.86
+16.08%
0.74
-10.63%
0.83
General And Administrative Expense
30.27
+10.07%
27.50
+6.69%
25.77
+5.22%
24.50
Salaries And Wages
29.02
+9.50%
26.50
+6.48%
24.89
+5.00%
23.70
Other Gand A
1.25
+25.38%
0.99
+12.46%
0.88
+11.63%
0.79
Reconciled Depreciation
2.86
+7.93%
2.65
-6.36%
2.83
+15.75%
2.44
Total Unusual Items
—
—
—
-0.09
Total Unusual Items Excluding Goodwill
—
—
—
-0.09
Special Income Charges
—
—
—
-0.48
Restructuring And Mergern Acquisition
—
—
—
0.48
Net Income
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Pretax Income
31.14
+14.41%
27.21
-13.59%
31.50
+32.15%
23.83
Net Interest Income
73.89
+13.12%
65.32
+1.60%
64.29
+12.87%
56.96
Interest Expense
53.82
-7.72%
58.33
+36.52%
42.72
+344.01%
9.62
Interest Income
127.71
+3.29%
123.65
+15.54%
107.02
+60.73%
66.58
Gain On Sale Of Security
-0.01
+99.71%
-3.46
-829.47%
0.47
0.00
Tax Provision
6.24
+17.57%
5.31
-24.31%
7.02
+24.37%
5.64
Tax Rate For Calcs
0.00
+3.08%
0.00
-12.48%
0.00
-5.89%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Net Income From Continuing Operation Net Minority Interest
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Net Income From Continuing And Discontinued Operation
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Net Income Continuous Operations
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Normalized Income
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Net Income Common Stockholders
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Diluted EPS
2.08
-0.59%
2.09
-18.99%
2.58
+25.85%
2.05
Basic EPS
2.08
-3.36%
2.15
-17.62%
2.61
+24.88%
2.09
Basic Average Shares
11.98
+17.47%
10.20
+8.68%
9.38
+7.76%
8.71
Diluted Average Shares
11.98
+14.42%
10.47
+10.16%
9.50
+7.35%
8.85
Diluted NI Availto Com Stockholders
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Amortization
0.29
+1.39%
0.29
-2.38%
0.29
-10.37%
0.33
Amortization Of Intangibles Income Statement
0.29
+1.39%
0.29
-2.38%
0.29
-10.37%
0.33
Depreciation Amortization Depletion Income Statement
0.29
+1.39%
0.29
-2.38%
0.29
-10.37%
0.33
Depreciation And Amortization In Income Statement
0.29
+1.39%
0.29
-2.38%
0.29
-10.37%
0.33
Occupancy And Equipment
3.32
+10.72%
3.00
+2.53%
2.92
+9.24%
2.67
Other Non Interest Expense
9.17
+11.02%
8.26
+2.96%
8.02
+22.57%
6.54
Professional Expense And Contract Services Expense
2.63
+28.45%
2.05
-24.81%
2.72
+22.68%
2.22
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,306.59
+9.90%
2,098.71
+3.46%
2,028.60
+10.52%
1,835.48
Cash And Cash Equivalents
41.54
+11.30%
37.32
+90.40%
19.60
+1.43%
19.32
Cash Financial
11.22
+33.69%
8.39
-23.28%
10.94
-35.28%
16.90
Other Short Term Investments
184.96
-44.83%
335.27
-5.50%
354.80
-3.09%
366.12
Receivables
13.58
-10.45%
15.16
-33.63%
22.84
+190.57%
7.86
Accounts Receivable
10.03
+3.32%
9.71
-51.46%
20.00
+154.34%
7.86
Other Receivables
3.55
-34.95%
5.46
+91.54%
2.85
—
Prepaid Assets
2.20
+28.86%
1.71
+0.71%
1.69
+22.42%
1.38
Net PPE
22.01
+0.81%
21.83
+1.08%
21.60
-7.49%
23.35
Gross PPE
32.90
+5.00%
31.34
+5.25%
29.77
-1.54%
30.24
Accumulated Depreciation
-10.89
-14.64%
-9.50
-16.26%
-8.17
-18.62%
-6.89
Land And Improvements
4.02
+0.00%
4.02
+0.00%
4.02
+0.00%
4.02
Buildings And Improvements
12.25
+0.66%
12.17
+0.80%
12.07
+0.41%
12.02
Machinery Furniture Equipment
6.83
+14.86%
5.95
+11.51%
5.33
+3.23%
5.17
Construction In Progress
0.30
+113.29%
0.14
+17.21%
0.12
+84.85%
0.07
Other Properties
3.89
-4.17%
4.05
+3.79%
3.91
-16.45%
4.68
Leases
5.61
+12.20%
5.00
+15.83%
4.32
+0.75%
4.28
Goodwill And Other Intangible Assets
6.26
-1.94%
6.39
-1.19%
6.46
-5.88%
6.87
Goodwill
4.71
+0.00%
4.71
+0.00%
4.71
+0.00%
4.71
Other Intangible Assets
1.55
-7.39%
1.68
-4.39%
1.75
-18.71%
2.16
Investments And Advances
339.26
-1.02%
342.75
-5.68%
363.40
-2.18%
371.52
Total Liabilities Net Minority Interest
2,047.06
+7.54%
1,903.48
+1.65%
1,872.56
+9.08%
1,716.68
Current Debt And Capital Lease Obligation
0.00
-100.00%
11.99
-50.00%
23.99
+33.28%
18.00
Current Debt
0.00
-100.00%
11.99
-50.00%
23.99
+33.28%
18.00
Long Term Debt And Capital Lease Obligation
30.00
+0.91%
29.73
-54.04%
64.68
-47.27%
122.68
Long Term Debt
30.00
+0.91%
29.73
-54.04%
64.68
-47.27%
122.68
Long Term Provisions
—
—
—
2.63
Stockholders Equity
259.53
+32.93%
195.23
+25.11%
156.04
+31.35%
118.80
Common Stock Equity
259.53
+32.93%
195.23
+25.11%
156.04
+31.35%
118.80
Capital Stock
11.98
+16.65%
10.27
+7.65%
9.54
+6.49%
8.96
Common Stock
11.98
+16.65%
10.27
+7.65%
9.54
+6.49%
8.96
Preferred Stock
0.00
0.00
—
—
Share Issued
11.98
+16.65%
10.27
+7.65%
9.54
+6.48%
8.96
Ordinary Shares Number
11.98
+16.65%
10.27
+7.65%
9.54
+6.48%
8.96
Additional Paid In Capital
189.88
+19.61%
158.75
+8.78%
145.94
+6.84%
136.60
Retained Earnings
66.89
+59.28%
41.99
+109.03%
20.09
+23460.47%
-0.09
Gains Losses Not Affecting Retained Earnings
-9.22
+41.60%
-15.79
+19.17%
-19.53
+26.78%
-26.68
Other Equity Adjustments
-9.22
+41.60%
-15.79
+19.17%
-19.53
+26.78%
-26.68
Total Equity Gross Minority Interest
259.53
+32.93%
195.23
+25.11%
156.04
+31.35%
118.80
Total Capitalization
289.53
+28.70%
224.96
+1.92%
220.72
-8.59%
241.47
Invested Capital
289.53
+22.19%
236.96
-3.17%
244.72
-5.69%
259.48
Total Debt
30.00
-28.10%
41.73
-52.94%
88.67
-36.97%
140.68
Net Debt
—
4.41
-93.62%
69.07
-43.08%
121.35
Net Tangible Assets
253.27
+34.11%
188.85
+26.25%
149.58
+33.64%
111.93
Tangible Book Value
253.27
+34.11%
188.85
+26.25%
149.58
+33.64%
111.93
Available For Sale Securities
154.30
+1962.03%
7.48
-13.07%
8.61
+59.50%
5.40
Cash Cash Equivalents And Federal Funds Sold
79.77
+17.37%
67.96
+39.97%
48.55
+67.63%
28.96
Line Of Credit
0.00
-100.00%
11.99
-50.00%
23.99
+33.28%
18.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
63.13
+598.29%
-12.67
-134.11%
37.14
-55.54%
83.54
Cash Flow From Continuing Operating Activities
63.13
+598.29%
-12.67
-134.11%
37.14
-55.54%
83.54
Net Income From Continuing Operations
24.89
+13.64%
21.90
-10.52%
24.48
+34.57%
18.19
Depreciation Amortization Depletion
2.86
+7.93%
2.65
-6.36%
2.83
+15.75%
2.44
Depreciation
2.32
+8.25%
2.15
+4.28%
2.06
+26.34%
1.63
Amortization Cash Flow
0.54
+6.56%
0.50
-34.76%
0.77
-5.40%
0.81
Depreciation And Amortization
2.86
+7.93%
2.65
-6.36%
2.83
+15.75%
2.44
Amortization Of Intangibles
0.54
+6.56%
0.50
-34.76%
0.77
-5.40%
0.81
Other Non Cash Items
33.22
+178.93%
-42.08
-506.88%
10.34
-81.48%
55.84
Stock Based Compensation
0.95
-27.06%
1.30
+18.88%
1.09
+16.44%
0.94
Asset Impairment Charge
0.22
0.00
0.00
-100.00%
0.40
Deferred Tax
-0.21
-110.80%
1.95
+854.05%
-0.26
-116.77%
1.54
Deferred Income Tax
-0.21
-110.80%
1.95
+854.05%
-0.26
-116.77%
1.54
Operating Gains Losses
-1.57
-210.07%
1.43
+162.45%
-2.29
-22.00%
-1.88
Gain Loss On Investment Securities
0.01
-99.71%
3.46
+570.21%
0.52
0.00
Unrealized Gain Loss On Investment Securities
—
—
—
0.00
Gain Loss On Sale Of PPE
—
—
—
0.00
Change In Working Capital
0.46
+185.19%
0.16
+113.97%
-1.16
-533.88%
-0.18
Change In Other Working Capital
-1.81
+23.71%
-2.38
+47.55%
-4.53
-32.01%
-3.43
Change In Other Current Assets
-0.15
-101.85%
7.89
+252.42%
-5.18
+37.22%
-8.25
Change In Other Current Liabilities
2.42
+145.20%
-5.35
-162.66%
8.54
-25.65%
11.49
Investing Cash Flow
-224.09
-1194.45%
-17.31
+90.18%
-176.35
+64.93%
-502.90
Cash Flow From Continuing Investing Activities
-224.09
-1194.45%
-17.31
+90.18%
-176.35
+64.93%
-502.90
Net PPE Purchase And Sale
-1.83
-29.42%
-1.41
-356.13%
-0.31
+85.65%
-2.16
Purchase Of PPE
-1.83
-29.42%
-1.41
-356.13%
-0.31
+85.65%
-2.16
Capital Expenditure
-1.83
-29.42%
-1.41
-356.13%
-0.31
+85.65%
-2.16
Net Investment Purchase And Sale
15.06
-34.63%
23.05
+37.11%
16.81
+113.72%
-122.55
Purchase Of Investment
-50.80
+36.01%
-79.40
-250.88%
-22.63
+84.32%
-144.33
Sale Of Investment
65.87
-35.70%
102.44
+159.76%
39.44
+81.04%
21.78
Net Business Purchase And Sale
—
—
—
0.00
Net Other Investing Changes
0.83
—
-22.20
-2259.63%
1.03
Financing Cash Flow
172.77
+249.82%
49.39
-68.90%
158.80
-29.10%
223.97
Cash Flow From Continuing Financing Activities
172.77
+249.82%
49.39
-68.90%
158.80
-29.10%
223.97
Net Issuance Payments Of Debt
-12.00
+74.47%
-47.00
+9.69%
-52.04
-154.19%
96.04
Issuance Of Debt
15.00
—
6.00
-25.00%
8.00
Repayment Of Debt
-27.00
+42.55%
-47.00
—
0.00
Long Term Debt Issuance
15.00
—
—
88.04
Long Term Debt Payments
-27.00
+42.55%
-47.00
—
0.00
Net Long Term Debt Issuance
-12.00
+74.47%
-47.00
+19.03%
-58.04
-165.93%
88.04
Short Term Debt Issuance
—
—
6.00
-25.00%
8.00
Net Short Term Debt Issuance
—
—
6.00
-25.00%
8.00
Net Common Stock Issuance
31.79
+159.63%
12.24
+38.59%
8.84
+51870.59%
0.02
Common Stock Payments
-0.07
0.00
—
—
Repurchase Of Capital Stock
-0.07
0.00
—
—
Proceeds From Stock Option Exercised
0.10
0.00
0.00
-100.00%
3.38
Changes In Cash
11.81
-39.17%
19.41
-0.92%
19.59
+110.03%
-195.40
Beginning Cash Position
67.96
+39.97%
48.55
+67.63%
28.96
-87.09%
224.36
End Cash Position
79.77
+17.37%
67.96
+39.97%
48.55
+67.63%
28.96
Free Cash Flow
61.30
+535.26%
-14.08
-138.24%
36.83
-54.74%
81.38
Interest Paid Supplemental Data
51.47
-15.05%
60.60
+66.81%
36.33
+351.31%
8.05
Income Tax Paid Supplemental Data
1.83
—
5.29
+55.31%
3.41
Common Stock Issuance
31.86
+160.19%
12.24
+38.59%
8.84
+51870.59%
0.02
Issuance Of Capital Stock
31.86
+160.19%
12.24
+38.59%
8.84
+51870.59%
0.02
Sale Of Business
—
—
—
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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