CoastalSouth Bancshares, Inc. (COSO) stock analysis

COSONYSEState Commercial BanksFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 10/301% above fair value

$28.61−0.15 (-0.52%)

Close on Nov 12, 2026Market cap $342.02MP/E 12.0Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Mixed10 of 30 checks passed

CoastalSouth Bancshares passes 10 of the 30 checks behind our score; 13 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation: 0/6
Growth: 1/6
Past performance: 3/6
Financial health: 5/6
Dividend: 1/6

What stands out

Well capitalized
Equity is 10.8% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 84.1% of deposits, so lending is funded by customer deposits.
Growing faster than the industry
Revenue grew 14.3% over the last twelve months; the Commercial Banks median is 11.3%.
Return on assets over 1%
Return on assets was 1.3%; for a bank or insurer, 1% or more is considered good.

What to watch

Margin of safety under 20%
The price is 1.1% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $28.76 is above our fair value estimate of $28.46.
P/E above the industry
CoastalSouth Bancshares's P/E of 12.1 is above the Commercial Banks median of 12.1.
P/S above the industry
CoastalSouth Bancshares's price-to-sales of 157.13 is above the Commercial Banks median of 3.60.

Valuation0/6

P/E against its history
Not enough price and earnings history to compare.
P/E above the industry
CoastalSouth Bancshares's P/E of 12.1 is above the Commercial Banks median of 12.1.
P/S above the industry
CoastalSouth Bancshares's price-to-sales of 157.13 is above the Commercial Banks median of 3.60.
P/B above the industry
CoastalSouth Bancshares's price-to-book of 1.31 is above the Commercial Banks median of 1.29.
Trading above fair value
The share price of $28.76 is above our fair value estimate of $28.46.
Margin of safety under 20%
The price is 1.1% above fair value, so there is no margin of safety.

Growth1/6

Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing faster than the industry
Revenue grew 14.3% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.

Past performance3/6

Return on equity
Needs positive equity and five years of results.
Return on assets over 1%
Return on assets was 1.3%; for a bank or insurer, 1% or more is considered good.
Return on equity above the industry
CoastalSouth Bancshares's return on equity of 11.5% is above the Commercial Banks median of 11.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin above the industry
CoastalSouth Bancshares's net margin of 1351% is above the Commercial Banks median of 30.3%.

Financial health5/6

Well capitalized
Equity is 10.8% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 84.1% of deposits, so lending is funded by customer deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.1% of loans; we look for at least 1%.
Efficient operations
Non-interest expense takes 57.2% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 7.7% over the past year.
Borrowings
Needs debt and equity figures.

Dividend1/6

Pays a dividend
CoastalSouth Bancshares paid dividends worth 0.5% of the share price over the last twelve months.
Yield below Treasuries
The 0.5% yield is below the 4.4% on a 1-year Treasury.
Yield below the top quarter
The top quarter of US dividend payers yield 3.8% or more; CoastalSouth Bancshares yields 0.5%.
Dividend stability
Fewer than five years of dividend history.
Earnings cover
Needs dividends paid and net income.
Cash-flow cover
Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

Our estimate per share

$28.46

The share price is 1% above this estimate.

20%+ below

Near fair value

20%+ above

$28.76Price

Method	Multiple used	Own 5Y median	Industry median	Value per share	Weight
P/E	12.1×	–	12.1×	$28.74	50%
P/B	1.3×	–	1.3×	$28.18	50%
Fair value				$28.46	100%

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

P/E at month end
Commercial Banks median 12.1

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day: $2.13M
Value traded per 1% price move: $2.75M

Downside

Low risk

Typical loss in a bad month: 5.2%
Volatility (annualized): 18%
Sharpe ratio, 1 year: 1.74
Beta to the S&P 500 (5Y): 0.20

Typical bad-month loss, week by week

Margins

Share of revenue, fiscal years 2023 to 2025

Net margin

1254.0%

Per year	1 year	3 years	5 years	10 years
Revenue	+6.4%	–	–	–
Net income	+13.6%	–	–	–
EPS, diluted	+3.3%	–	–	–

Measure	FY2023	FY2023	FY2025
Return on equity	–	–	10.9%
Capex to revenue	–	–	92.2%
Diluted shares	–	–	12M

DuPont analysis

Return on equity split into margin, efficiency and leverage

Net margin1254.0%

Asset turnover0.00×

Equity multiplier9.69×

Return on equity, FY202510.9%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	1254.0%	0.00×	9.69×	10.9%

Where these numbers come from

Parsed from the XBRL in CoastalSouth Bancshares's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing