
CoastalSouth Bancshares, Inc. (COSO) Market Cap
CoastalSouth Bancshares, Inc. has a market capitalization of $306.7M.
Financials based on reported quarter end 2025-12-31
Price: $25.59
โฒ 0.61 (2.44%)
Market Cap: 306.71M
NYSE ยท time unavailable
CEO: Stephen R. Stone
Sector: Financial Services
Industry: Banks - Regional
IPO Date: 2025-05-08
Website: https://www.coastalstatesbank.com
CoastalSouth Bancshares, Inc. (COSO) - Company Information
Market Cap: 306.71M ยท Sector: Financial Services
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 money market, certificates of deposit, and individual retirement accounts. Its loan products include residential mortgage, home equity loans, cash value line of credit, commercial and government guaranteed lending, and mortgage banker finance, as well as debit and credit cards. The company also offers customized and private banking, treasury management, and digital and telephone banking services. It operates retail banking branches in Hilton Head Island/Bluffton, South Carolina; Savannah, Georgia; and north metro Atlanta, Georgia. The company was incorporated in 2003 and is headquartered in Hilton Head Island, South Carolina.
Analyst Sentiment
Based on 1 ratings
Analyst 1Y Forecast: $29.00
Average target (based on 1 sources)
Consensus Price Target
Low
$29
Median
$29
High
$29
Average
$29
Potential Upside: 13.3%
Price & Moving Averages
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Fundamentals Overview
๐ AI Financial Analysis
Powered by StockMarketInfo"COSO reported Revenue of $34.54M and Net Income of $6.33M in the latest quarter (EPS: $0.53). YoY, Revenue increased +9.0% and Net Income rose +25.4%; however, sequentially both softened (Revenue -2.2% QoQ; Net Income -11.3% QoQ). Net margin contracted QoQ (18.3% vs 20.2%) but expanded YoY (18.3% vs 15.9%), indicating profitability improved over the year despite short-term volatility. Over the last four quarters, the trajectory is constructive: Revenue has generally trended upward from $31.70M (2025-03-31) to $34.54M (2026-03-31), while Net Income rose from $5.05M to $6.33M. Balance sheet resilience is a key positive. Total assets increased to $2.35B (+7.3% YoY) and equity strengthened meaningfully to $262.9M (+30.1% YoY). Net debt is negative (cash net position) at -$22.5M, supporting financial flexibility. Total shareholder returns look strong due to price momentum: the stock is up +31.3% over 1Y. Dividends are small (yield ~0.20%), and shares outstanding increased modestly, so buyback-driven per-share accretion appears limited. With the consensus target at $29 vs $25.94 current price (~12% upside), valuation support is moderate."
Revenue Growth
Latest quarter revenue was $34.54M, down -2.2% QoQ but up +9.0% YoY versus $31.70M.
Profitability
Net margin contracted QoQ to ~18.3% (from ~20.2%) but expanded YoY to ~18.3% (from ~15.9%). Net income grew +25.4% YoY while EPS softened -11.7% QoQ.
Cash Flow Quality
Net income increased +25.4% YoY and dividends are covered at a low payout ratio (~9.8%). Cash/net-debt is favorable (net debt -$22.5M), though explicit operating cash flow is not provided.
Leverage & Balance Sheet
Total assets rose to $2.35B (+7.3% YoY) and equity strengthened to $262.9M (+30.1% YoY). Net debt improved to a net cash position (-$22.5M).
Shareholder Returns
Strong capital appreciation: +31.3% over 1Y (>20% threshold). Dividend yield is modest (~0.20%) and shares increased slightly, limiting per-share support.
Analyst Sentiment & Valuation
Consensus target ($29) implies ~12% upside from $25.94. Trading at ~12.1x P/E in the latest quarter suggests reasonable valuation, but not an extreme discount.
Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.