CoastalSouth Bancshares, Inc. (COSO) Stock

CoastalSouth Bancshares, Inc. (COSO) is a Financials stock trading at $27.38 (as of 2026-08-21), with a market capitalization of $327.31M and a trailing P/E of 12.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

CoastalSouth Bancshares, Inc. is the holding company for CoastalStates Bank, offering deposit and loan products to retail and commercial customers. Services include private and customized banking, treasury management, and digital and telephone banking, with retail branches in Hilton Head Island/Bluffton, South Carolina; Savannah, Georgia; and north metro Atlanta, Georgia.

Understand CoastalSouth Bancshares, Inc.: how it makes money

CoastalSouth Bancshares operates as the bank holding company for CoastalStates Bank, providing deposit accounts and loan products (including residential mortgage, home equity loans, and commercial and government guaranteed lending) plus related banking services to retail and commercial customers, earning money from providing these banking products and services.

For a retail bank, profit is largely driven by the return earned on interest-earning assets, then reduced by operating costs and credit losses on the loan portfolio.

Business quality (Strong): The latest quarterly snapshot shows revenue at 0.0B and an unusually high operating margin value, so investors should treat headline profitability comparisons cautiously and focus more on underlying operating metrics like efficiency, yield, and credit quality.

Valuation: At 12× earnings, COSO trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Profitability measured by equity returns is positive: Return on Average Equity is 11.02% and Return on Average Assets is 1.1% (2026-03-31).
  • Credit losses appear low in the period: Net Charge-Offs to Average Loans Held for Investment are 0.01% (and Annualized Net Charge-Offs are 0.03%).

Bear case

  • Results can be sensitive to credit performance and provisioning: Allowance for Credit Losses on Loans Held for Investment to Nonperforming Loans is 103.54 (a key credit-quality coverage input).
  • Operating cost control matters: The Efficiency Ratio is 55.34%, meaning operating expenses are an important driver of earnings power.
Valuation — source: SEC EDGAR (first-party)
Price$27.38
Market Cap$327.31M
P/E Ratio12.4
EV / EBITDA8.2
Price / Book1.21
Price / Sales165.39
FCF Yield-22.6%
DCF Value (model)$36.18
DCF Upside vs Price32.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.99M
Net Margin1254.0%
Revenue Growth (YoY)4.5%
EPS Growth (YoY)5.2%
FCF Growth (YoY)-41.2%
Valuation vs Sector & Industry
Stock P/E12.4
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-17.8%
vs Industry-4.3%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderPatriot Financial Partners GP II, L.P. ($28.50M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOStephen R. Stone
Employees183
CountryUS
IPO Date2025-05-08

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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COSO earnings history · COSO institutional & insider holders · COSO KPIs & operating metrics · COSO financials · COSO investor presentations & press releases · COSO SEC filings · COSO peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.