CoastalSouth Bancshares (COSO) AI Stock Analysis

• Market Cap: $315.91M
• Dividend Yield: N/A
• Average Volume (3M): 61.60K
• Price to Earnings (P/E): 10.8
• Beta (1Y): -0.11
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 183
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.58
• Shares Outstanding: 11,985,414
• 10 Day Avg. Volume: 23,853
• 30 Day Avg. Volume: 61,597
• PEG Ratio: 2.57
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 1.97
• P/FCF Ratio: 4.37
• Enterprise Value/Market Cap: 0.88
• Enterprise Value/Revenue: 2.05
• Enterprise Value/Gross Profit: 3.54
• Enterprise Value/Ebitda: 8.94
• 1Y Price Target: $29.00
• Price Target Upside: 20.23% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 2.33
• Revenue Forecast (FY): $90.31M

• Rating: 72 Outperform
• Price Target: $27.00 ▲(11.94% Upside)
• Action: Upgraded Date: 03/13/26
• Date: Action: Upgraded 03/13/26

The score is driven primarily by solid fundamentals (strong growth, healthy profitability, and improved leverage), supported by attractive valuation (low P/E and high dividend yield). These positives are tempered by weaker technical momentum and the cash-flow volatility noted in the financial statement analysis.

Positive Factors

Sustained revenue growth

Multi-year revenue expansion (nearly 3x from 2020 to 2025) indicates durable franchise growth and successful scaling of lending and deposit initiatives. A larger revenue base supports diversification of income sources, underwriting resources, and long-term reinvestment capacity.

Negative Factors

Volatile cash generation

Sharp year-to-year swings in operating and free cash flow reduce confidence in earnings quality and predictable internal funding. Persistent cash volatility can constrain dividend coverage, capital allocation decisions, and the bank’s ability to fund growth without relying on external financing.

CoastalSouth Bancshares Business Overview & Revenue Model

Company Description

CoastalSouth Bancshares, Inc. operates as the bank holding company of CoastalStates Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, such as checking, savings and mo...

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CoastalSouth Bancshares, Inc. operates as the bank holding company of CoastalStates Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, such as checking, savings and mo...

How the Company Makes Money

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CoastalSouth Bancshares Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	135.78M	129.72M	114.38M	76.38M	56.81M
Gross Profit	78.77M	70.84M	71.97M	61.68M	50.73M
EBITDA	33.46M	29.36M	33.55M	25.46M	16.95M
Net Income	24.89M	21.90M	24.48M	18.19M	12.32M
Balance Sheet
Total Assets	2.31B	2.10B	2.03B	1.84B	1.61B
Cash, Cash Equivalents and Short-Term Investments	380.80M	67.96M	403.35M	395.08M	517.58M
Total Debt	30.00M	14.73M	88.67M	140.68M	44.59M
Total Liabilities	2.05B	1.90B	1.87B	1.72B	1.49B
Stockholders Equity	259.53M	195.23M	156.04M	118.80M	124.93M
Cash Flow
Free Cash Flow	61.30M	-14.08M	36.83M	81.38M	68.69M
Operating Cash Flow	63.13M	-12.67M	37.14M	83.54M	70.88M
Investing Cash Flow	-224.09M	-17.31M	-176.35M	-502.90M	-226.30M
Financing Cash Flow	172.77M	49.39M	158.80M	223.97M	222.78M

CoastalSouth Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
COSO	72 Outperform	$315.91M	10.76	10.81%	―	―	―
PCB	70 Outperform	$316.38M	8.21	9.62%	3.57%	10.93%	42.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZNC	67 Neutral	$396.00M	13.73	7.79%	5.43%	5.76%	21.85%
PLBC	67 Neutral	$340.23M	9.72	13.35%	2.63%	11.98%	-10.12%
BCML	67 Neutral	$323.02M	13.39	7.07%	2.91%	1.25%	-0.07%
FSBW	56 Neutral	$299.16M	9.19	10.77%	3.17%	4.43%	-12.94%

CoastalSouth Bancshares Corporate Events