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CoastalSouth Bancshares, Inc. logo

CoastalSouth Bancshares, Inc.

COSO

NYSEFinancial ServicesBanks - Regional

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Previous close

$27.39

+$0.14 · +0.51%

Aug 21, 4:00 PM ET

COSO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

73

Undervalued

Momentum

46

Neutral

Sentiment

56

Mixed

Risk resilience

82

Low Risk

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Company profile

Company website

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, including checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. Its lending options span residential mortgages, home equity loans, cash value lines of credit, commercial and government-backed financing, and mortgage banker finance. The bank also provides debit and credit cards. Additional offerings feature customized and private banking, treasury management solutions, and convenient digital and telephone banking access. Retail banking branches are situated across Hilton Head Island/Bluffton, South Carolina, and in Savannah and the north metro Atlanta area of Georgia. Founded in 2003, its corporate headquarters are located in Hilton Head Island, South Carolina.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Stephen R. Stone
Listed since
May 8, 2025
Employees
201

Market position

Day range

Current $27.39

52-week range

Current $27.39

Open
$27.31
Previous close
$27.25
Volume
88.78K
0.8× average
Average volume
111.02K
Average daily volume
Market cap
329.65M USD
Beta
0
Market reference 1
50-day average
$27.0724
+1.17% above average
200-day average
$24.969
+9.70% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
256.31M USD
P/E (TTM)
11.86×
P/B (TTM)
1.26×
P/S (TTM)
2.34×
EV / EBITDA
7.66×
Earnings yield
9.29%
Free cash flow yield
22.89%
Dividend yield
0.55%

Profitability & efficiency

Gross margin
60.58%
Operating margin
24.64%
Net margin
19.59%
Return on equity
9.59%
Return on assets
1.08%
Return on invested capital
-5.57%

Financial health

Debt / equity
0.28×
Current ratio
0.15×
Altman Z-score
-0.58
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends97%68%39%10%Gross margin, FY2021: 89.30%Gross margin, FY2022: 80.75%Gross margin, FY2023: 62.92%Gross margin, FY2024: 54.61%Gross margin, FY2025: 58.01%Operating margin, FY2021: 27.22%Operating margin, FY2022: 31.20%Operating margin, FY2023: 27.53%Operating margin, FY2024: 20.98%Operating margin, FY2025: 22.93%Net margin, FY2021: 21.69%Net margin, FY2022: 23.81%Net margin, FY2023: 21.40%Net margin, FY2024: 16.89%Net margin, FY2025: 18.33%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 89.30%. Gross margin FY2022 80.75%. Gross margin FY2023 62.92%. Gross margin FY2024 54.61%. Gross margin FY2025 58.01%. Operating margin FY2021 27.22%. Operating margin FY2022 31.20%. Operating margin FY2023 27.53%. Operating margin FY2024 20.98%. Operating margin FY2025 22.93%. Net margin FY2021 21.69%. Net margin FY2022 23.81%. Net margin FY2023 21.40%. Net margin FY2024 16.89%. Net margin FY2025 18.33%.

Income trends

Revenue

135.78M USD+4.68%

Operating income

31.14M USD+14.41%

Net income

24.89M USD+13.64%
Income trends across reported periods148.13M USD98.75M USD49.36M USD−24.2K USDRevenue, FY2021: 56.81M USDRevenue, FY2022: 76.38M USDRevenue, FY2023: 114.38M USDRevenue, FY2024: 129.72M USDRevenue, FY2025: 135.78M USDOperating income, FY2021: 15.47M USDOperating income, FY2022: 23.83M USDOperating income, FY2023: 31.5M USDOperating income, FY2024: 27.22M USDOperating income, FY2025: 31.14M USDNet income, FY2021: 12.32M USDNet income, FY2022: 18.19M USDNet income, FY2023: 24.48M USDNet income, FY2024: 21.9M USDNet income, FY2025: 24.89M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 56.81M USD. Revenue FY2022 76.38M USD. Revenue FY2023 114.38M USD. Revenue FY2024 129.72M USD. Revenue FY2025 135.78M USD. Operating income FY2021 15.47M USD. Operating income FY2022 23.83M USD. Operating income FY2023 31.5M USD. Operating income FY2024 27.22M USD. Operating income FY2025 31.14M USD. Net income FY2021 12.32M USD. Net income FY2022 18.19M USD. Net income FY2023 24.48M USD. Net income FY2024 21.9M USD. Net income FY2025 24.89M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue135.78M USD129.72M USD114.38M USD76.38M USD56.81M USD
Cost of goods sold57.02M USD58.88M USD42.42M USD14.7M USD6.08M USD
Gross profit78.77M USD70.84M USD71.97M USD61.68M USD50.73M USD
Selling, general, and administrative31.64M USD27.04M USD26.51M USD24.43M USD23.07M USD
Operating expenses47.63M USD43.62M USD40.47M USD37.85M USD35.27M USD
Interest income127.71M USD123.65M USD107.02M USD66.58M USD46M USD
Interest expense53.82M USD58.33M USD42.72M USD9.62M USD4.75M USD
Depreciation and amortization2.32M USD2.15M USD2.06M USD1.63M USD1.48M USD
Operating income31.14M USD27.22M USD31.5M USD23.83M USD15.47M USD
Net income24.89M USD21.9M USD24.48M USD18.19M USD12.32M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
20%
1 beat, 3 misses, 1 met estimate
Average EPS surprise
-3.95%
5 comparable reports
Latest EPS result
0.59
Estimate 0.59 · Met by 0.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.660.580.510.43Q1 '25No estimateQ2 '25No estimateQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MetQ4 '26Estimate
Q1 2025, reported Mar 6, 2025: actual 0.537, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 0.475, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 28, 2025: actual 0.57, estimate 0.565, surprise +0.88%, Beat. Q4 2025, reported Oct 20, 2025: actual 0.54, estimate 0.57, surprise -5.26%, Miss. Q1 2026, reported Jan 20, 2026: actual 0.58, estimate 0.62, surprise -6.45%, Miss. Q2 2026, reported Apr 20, 2026: actual 0.51, estimate 0.56, surprise -8.93%, Miss. Q3 2026, reported Jul 20, 2026: actual 0.59, estimate 0.59, surprise 0.00%, Met estimate. Q4 2026, reported Oct 19, 2026: actual —, estimate 0.62, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates33.79M28.72M23.65M18.57MQ1 '25No estimateQ2 '25No estimateQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 6, 2025: actual 32.5M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 31.7M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 28, 2025: actual 19.87M USD, estimate 19.89M USD, surprise -0.07%, Miss. Q4 2025, reported Oct 20, 2025: actual 21.29M USD, estimate 21.89M USD, surprise -2.73%, Miss. Q1 2026, reported Jan 20, 2026: actual 22.16M USD, estimate 21.89M USD, surprise +1.21%, Beat. Q2 2026, reported Apr 20, 2026: actual 21.71M USD, estimate 22.11M USD, surprise -1.80%, Miss. Q3 2026, reported Jul 20, 2026: actual 22.87M USD, estimate 23.24M USD, surprise -1.59%, Miss. Q4 2026, reported Oct 19, 2026: actual —, estimate 23.91M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$30.00

9.53% upside
Past 12 months12-month forecast

Price history unavailable

High $30.00Average $30.00Low $30.00

Recent analyst actions

1 institution

COSO news

Corporate actions

Corporate action history

Dividend

Ex-dividend Aug 13, 2026

$0.05

Quarterly

Record Aug 13, 2026 · Payment Aug 27, 2026

Dividend

Ex-dividend May 14, 2026

$0.05

Quarterly

Record May 14, 2026 · Payment May 28, 2026

Dividend

Ex-dividend Feb 12, 2026

$0.05

Irregular

Record Feb 12, 2026 · Payment Feb 26, 2026

COSO peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding COSO

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
8.11M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
5.75M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.41M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.09M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.25M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
775.26K
Weight
0.05%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
State Street SPDR US Small Cap Low Volatility Index ETF logoState Street SPDR US Small Cap Low Volatility Index ETFSMLV
Market value
445.7K
Weight
0.17%
AUM
257.64M USD
Expense ratio
0.12%
Price / 1D
$159.7+0.39%
Avantis U.S. Equity ETF logoAvantis U.S. Equity ETFAVUS
Market value
217.92K
Weight
—
AUM
14.45B USD
Expense ratio
0.15%
Price / 1D
$130.59+0.52%

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