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CoastalSouth Bancshares
(NYSE:COSO)
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Rating:75Outperform
Price Target:
$30.00
â–²(10.74% Upside)
Action:Reiterated
Date:07/21/26
The score is driven primarily by improving fundamentals (notably lower leverage and solid profitability) and supportive recent corporate updates (earnings growth and buyback authorization). Technicals add a positive trend signal with moderate momentum, while cash flow volatility keeps the overall rating from being higher.
Positive Factors
Improved balance sheet / low leverage
Debt-to-equity falling to ~0.12 and a meaningful rise in equity (~$259.5M) indicate materially stronger capitalization and lower financial risk. This durable improvement boosts regulatory cushion, supports organic lending growth, and gives management flexibility for dividends, buybacks, or M&A without raising leverage.
Negative Factors
Volatile cash flow generation
Sharp year‑to‑year swings in operating and free cash flow reduce predictability of internally generated funds. That volatility undermines confidence in sustaining dividends, buybacks, and loan growth during stress periods, and complicates forecasting of capital needs and liquidity planning over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved balance sheet / low leverage
Debt-to-equity falling to ~0.12 and a meaningful rise in equity (~$259.5M) indicate materially stronger capitalization and lower financial risk. This durable improvement boosts regulatory cushion, supports organic lending growth, and gives management flexibility for dividends, buybacks, or M&A without raising leverage.
Read all positive factors
CoastalSouth Bancshares (COSO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$331.26M
Dividend Yield0.36%
Average Volume (3M)61.60K
Price to Earnings (P/E)12.1
Beta (1Y)-0.06
Revenue Growth5.31%
EPS Growth-4.05%
CountryUS
Employees201
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.31
Shares Outstanding11,954,446
10 Day Avg. Volume23,853
30 Day Avg. Volume61,597
Financial Highlights & Ratios
PEG Ratio2.48
Price to Book (P/B)1.03
Price to Sales (P/S)1.97
P/FCF Ratio4.37
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$30.00Price Target Upside10.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.34
Revenue Forecast (FY)$93.09M
CoastalSouth Bancshares Business Overview & Revenue Model
Company Description
CoastalSouth Bancshares, Inc. (COSO) serves as the bank holding company for CoastalStates Bank, offering a diverse array of banking products and services to both retail and commercial clientele. Customers can access a range of deposit products, in...
How the Company Makes Money
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CoastalSouth Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.59M | 135.78M | 129.72M | 114.38M | 76.38M | 56.81M |
| Gross Profit | 85.17M | 78.77M | 70.84M | 71.97M | 61.68M | 50.73M |
| EBITDA | 36.88M | 33.46M | 29.36M | 33.55M | 25.46M | 16.95M |
| Net Income | 27.54M | 24.89M | 21.90M | 24.48M | 18.19M | 12.32M |
Balance Sheet | ||||||
| Total Assets | 2.42B | 2.31B | 2.10B | 2.03B | 1.84B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 383.90M | 380.80M | 67.96M | 403.35M | 395.08M | 517.58M |
| Total Debt | 75.00M | 30.00M | 14.73M | 88.67M | 140.68M | 44.59M |
| Total Liabilities | 2.15B | 2.05B | 1.90B | 1.87B | 1.72B | 1.49B |
| Stockholders Equity | 269.70M | 259.53M | 195.23M | 156.04M | 118.80M | 124.93M |
Cash Flow | ||||||
| Free Cash Flow | 68.65M | 61.30M | -14.08M | 36.83M | 81.38M | 68.69M |
| Operating Cash Flow | 69.16M | 63.13M | -12.67M | 37.14M | 83.54M | 70.88M |
| Investing Cash Flow | -246.60M | -224.09M | -17.31M | -176.35M | -502.90M | -226.30M |
| Financing Cash Flow | 168.37M | 172.77M | 49.39M | 158.80M | 223.97M | 222.78M |
CoastalSouth Bancshares Risk Analysis
CoastalSouth Bancshares disclosed 47 risk factors in its most recent earnings report. CoastalSouth Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
CoastalSouth Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $426.94M | 12.08 | 13.72% | 2.05% | 32.78% | 4.54% | |
75 Outperform | $331.26M | 12.07 | 10.57% | 0.37% | 5.31% | -4.05% | |
74 Outperform | $386.93M | 9.58 | 10.64% | 2.99% | 6.34% | 35.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $454.11M | 17.34 | 7.70% | 4.60% | 18.97% | -14.99% | |
63 Neutral | $316.33M | 9.77 | 10.75% | 3.12% | 5.99% | 3.20% | |
54 Neutral | $331.53M | 25.33 | 3.87% | 2.91% | 2.01% | -45.00% |
* Financial Sector Average
COSO
CoastalSouth Bancshares
27.89
7.92
39.66%
CZNC
Citizens & Northern
25.59
7.10
38.40%
PLBC
Plumas Bancorp
62.19
20.92
50.69%
FSBW
FS Bancorp
43.40
4.17
10.63%
BCML
BayCom
31.25
3.97
14.56%
PCB
PCB Bancorp
28.08
7.01
33.30%
CoastalSouth Bancshares Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
CoastalSouth Bancshares Posts Strong Second-Quarter Earnings Growth
Positive
Jul 20, 2026
On July 20, 2026, CoastalSouth Bancshares, Inc. reported second‑quarter 2026 net income of $7.3 million, or $0.59 per diluted share, up from $6.3 million in the prior quarter and $6.0 million a year earlier, with six‑month 2026 net inc...
Business Operations and StrategyStock Buyback
CoastalSouth Bancshares Authorizes New $15 Million Buyback
Positive
May 1, 2026
On May 1, 2026, CoastalSouth Bancshares, Inc., the holding company for Coastal States Bank, announced that its board of directors authorized a new stock repurchase plan allowing the company to buy back up to $15 million of its common shares. The 2...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.