CoastalSouth Bancshares Inc (COSO)
NYSE:COSO
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CoastalSouth Bancshares
(NYSE:COSO)
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Rating:76Outperform
Price Target:
$29.00
▲(11.80% Upside)
Action:ReiteratedDate:05/02/26
The score is driven primarily by solid fundamentals (strong revenue growth and improved capitalization), partially offset by cash flow volatility. Valuation is supportive (reasonable P/E and very high dividend yield), technicals are moderately positive, and recent corporate actions (notably the $15M buyback) add incremental support.
Positive Factors
Improved Capitalization
Material de‑leveraging and a larger equity base provide a durable buffer against credit stress, support regulatory capitalization metrics, and increase strategic optionality. Stronger capital allows continued lending, dividend/buyback flexibility, and lower funding vulnerability over the medium term.
Negative Factors
Cash Flow Volatility
Large year‑to‑year swings in operating and free cash flow reduce confidence in underlying earnings quality and complicate predictable capital allocation. Volatile cash generation can force reactive funding choices, limit steady dividend or buyback pacing, and raise execution risk for growth plans.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Capitalization
Material de‑leveraging and a larger equity base provide a durable buffer against credit stress, support regulatory capitalization metrics, and increase strategic optionality. Stronger capital allows continued lending, dividend/buyback flexibility, and lower funding vulnerability over the medium term.
Read all positive factors
CoastalSouth Bancshares (COSO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$338.44M
Dividend YieldN/A
Average Volume (3M)61.60K
Price to Earnings (P/E)12.1
Beta (1Y)-0.09
Revenue Growth4.33%
EPS Growth-5.02%
CountryUS
Employees183
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.24
Shares Outstanding11,985,414
10 Day Avg. Volume23,853
30 Day Avg. Volume61,597
Financial Highlights & Ratios
PEG Ratio2.57
Price to Book (P/B)1.03
Price to Sales (P/S)1.97
P/FCF Ratio4.37
Enterprise Value/Market Cap0.85
Enterprise Value/Revenue2.12
Enterprise Value/Gross Profit3.66
Enterprise Value/Ebitda9.22
Forecast
1Y Price Target
$30.00Price Target Upside15.65% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.31
Revenue Forecast (FY)$92.42M
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...
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 | 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 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $338.44M | 12.08 | 10.66% | ― | 4.33% | -5.02% | |
76 Outperform | $351.17M | 7.46 | 10.43% | 3.57% | 8.84% | 43.48% | |
71 Outperform | $387.40M | 361.39 | 5.54% | 5.43% | 13.25% | -37.82% | |
71 Outperform | $362.55M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $306.89M | 9.26 | 10.88% | 3.17% | 6.31% | -1.13% | |
62 Neutral | $337.53M | 9.91 | 7.84% | 2.91% | 3.70% | 15.06% |
* Financial Sector Average
COSO
CoastalSouth Bancshares
25.84
5.18
25.08%
CZNC
Citizens & Northern
21.63
3.55
19.63%
PLBC
Plumas Bancorp
52.03
9.29
21.74%
FSBW
FS Bancorp
40.91
2.42
6.30%
BCML
BayCom
30.94
5.05
19.52%
PCB
PCB Bancorp
24.67
5.49
28.61%
CoastalSouth Bancshares Corporate Events
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...
Executive/Board ChangesShareholder Meetings
CoastalSouth Bancshares Shareholders Approve Directors and Auditor
Positive
Apr 24, 2026
On April 23, 2026, CoastalSouth Bancshares, Inc. held its 2026 Annual Meeting of Shareholders, where 75.79% of the outstanding common shares entitled to vote were represented, constituting a quorum. Shareholders elected eleven directors, including...
DividendsFinancial Disclosures
CoastalSouth Bancshares Reports Solid Q1 2026 Earnings Growth
Positive
Apr 20, 2026
CoastalSouth Bancshares, Inc., the parent of Coastal States Bank, reported on April 20, 2026 that first-quarter 2026 net income was $6.3 million, or $0.51 per diluted share, down from $7.1 million in the fourth quarter of 2025 but up from $5.1 mil...
Executive/Board ChangesRegulatory Filings and Compliance
CoastalSouth Bancshares Appoints Independent Director to Board
Positive
Mar 4, 2026
On February 26, 2026, CoastalSouth Bancshares, Inc. appointed J. Simon Fraser to its Board of Directors, with his initial term running until the 2026 Annual Meeting of Stockholders, when he will stand for election to a one-year term. Following tha...
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.