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COSO Overview

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Intellectia

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High
24.590
Open
23.930
VWAP
24.28
Vol
89.54K
Mkt Cap
287.88M
Low
23.930
Amount
2.17M
EV/EBITDA(TTM)
8.73
Total Shares
11.98M
EV
276.35M
EV/OCF(TTM)
--
P/S(TTM)
3.44
CoastalSouth Bancshares, Inc. is a bank holding company. The Company’s subsidiary is Coastal States Bank (CSB). CSB operates retail banking branches in Beaufort County, South Carolina, Chatham County, Georgia, Dawson County, Georgia, Fulton County, Georgia and Forsyth County, Georgia. Its specialty banking services include home builder financing, senior housing financing, warehouse lending, and correspondent banking. Its personal banking services include checking, savings, treasury management, and lending. Its small business banking services include small business checking, small business savings, small business lending, and small business digital banking. It offers various commercial lending’s, such as commercial loans, commercial real estate loans, and business credit cards. CSB’s wholly owned subsidiary, Coastal States Mortgage, Inc. (CSM), is a mortgage company focused on originating and selling residential mortgages to investors.
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Events Timeline

(ET)
2026-01-20
16:20:00
CSB Reports Q4 Revenue of $22.2M, Record Net Income
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2025-10-20 (ET)
2025-10-20
19:37:39
CoastalSouth announces Q3 EPS of 54 cents, falling short of two estimates at 57 cents.
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2025-07-02 (ET)
2025-07-02
10:36:22
CoastalSouth opens at $21.50, IPO priced at $21.50 per share
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2025-07-02
06:31:18
CoastalSouth 2.035M share IPO priced at $21.50
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News

Businesswire
2.0
02-03Businesswire
Coastal States Bank Donates $136,000 to Community Charities
  • Community Commitment Donation: Coastal States Bank donated $136,000 in 2025 to charities in Georgia and South Carolina, focusing on financial literacy, childhood education, and veteran support, reflecting its commitment as a local community bank.
  • Volunteer Service Hours: Employees contributed over 575 hours of volunteer service through the Community Commitment initiative, strengthening ties with local communities and demonstrating the bank's core values through action.
  • Ongoing Support: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, showcasing the bank's long-term dedication to community development.
  • Banking Service Range: Coastal States Bank provides a full range of banking services in South Carolina's Lowcountry, Savannah, and the Atlanta metropolitan area, with total assets of approximately $2.3 billion, dedicated to offering localized banking partnerships for businesses and individuals.
Newsfilter
8.5
02-03Newsfilter
Coastal States Bank Donates $136,000 to Support Community Initiatives
  • Community Commitment Program: In 2025, Coastal States Bank donated $136,000 through its employee-funded and bank-matched Community Commitment initiative, aimed at addressing diverse needs in Georgia and South Carolina, reflecting the bank's responsibility towards local communities.
  • Broad Charitable Support: Last year, the program supported over 45 charities, focusing on financial literacy, childhood education, veteran support, health and wellness, and senior care, demonstrating the bank's active role in enhancing community welfare.
  • Significant Employee Involvement: Employees of Coastal States Bank contributed over 575 hours of volunteer service to the Community Commitment program, showcasing the team's dedication to community service and further enhancing the bank's community image.
  • Long-term Impact: Since its establishment in 2017, the Community Commitment program has donated over $742,000 to support more than 100 local charitable organizations, illustrating Coastal States Bank's ongoing efforts and strategic vision in promoting community development.
seekingalpha
9.5
01-20seekingalpha
CoastalSouth Bancshares Q4 Earnings: GAAP EPS of $0.58 Misses by $0.01
  • Earnings Performance: CoastalSouth Bancshares, Inc. reported a GAAP EPS of $0.58 for Q4, missing expectations by $0.01, indicating potential pressure on the company's profitability which may affect investor confidence.
  • Revenue Growth: The company's revenue for Q4 was $22.16M, exceeding market expectations by $0.27M, demonstrating resilience in revenue generation that could attract investors interested in growth.
  • Historical Data Insight: Historical financial data for CoastalSouth suggests that while the EPS fell short of expectations, the revenue beat may provide a positive signal for future financial performance, warranting investor attention on subsequent developments.
  • Market Reaction: Given the EPS miss, the market may react negatively to CoastalSouth's stock price in the short term, prompting investors to carefully assess its future profitability and market performance.
Newsfilter
9.5
01-20Newsfilter
CoastalSouth Bancshares Reports Record Q4 2025 Net Income of $7.1 Million
  • Net Income Growth: CoastalSouth Bancshares reported a net income of $7.1 million for Q4 2025, translating to $0.58 per diluted share, reflecting a 24.6% increase from $5.7 million in Q4 2024, indicating a significant enhancement in profitability.
  • Loan Commitment Innovation: The company achieved over $776 million in loan commitments for 2025, marking a 16.4% increase from 2024, which not only strengthens market competitiveness but also lays a foundation for future business expansion.
  • Market Expansion Strategy: CoastalSouth is strategically expanding into the Charleston, SC market by assembling a locally experienced commercial banking team, aimed at driving further loan and deposit growth and solidifying its position in the Lowcountry market.
  • Stable Asset Quality: As of December 31, 2025, nonperforming assets accounted for 0.79% of total assets, demonstrating effective credit quality management and enhancing investor confidence.
Businesswire
8.5
01-19Businesswire
Coastal States Bank Expands into Charleston with Team Boasting Over 50 Years of Experience
  • Market Expansion: Coastal States Bank's expansion into the Charleston market builds on over 20 years of successful operations in the Lowcountry, reflecting its ongoing investment and confidence in the region.
  • Team Formation: The newly established Charleston commercial banking team, led by Market President Edward Vaughan, brings over 50 years of combined banking experience, focusing on providing deposit and loan services to small and mid-sized businesses.
  • Relationship-Driven Approach: Emphasizing trust and relationships, Vaughan noted that Charleston's diverse and entrepreneurial business community aligns well with CSB's relationship banking model, which is expected to enhance customer loyalty.
  • Asset Scale: Currently, Coastal States Bank has approximately $2.3 billion in total assets, and this expansion is set to further solidify its market position in South Carolina and drive future business growth.
Newsfilter
5.0
2025-09-24Newsfilter
David DeLucia Appointed Vice President and Business Banker at Coastal States Bank
  • New Appointment: Coastal States Bank has appointed David DeLucia as Vice President, Business Banker in the Atlanta region, bringing over 18 years of business banking experience.

  • Community Focus: David is recognized for his client-focused approach and commitment to community service, particularly in supporting veterans, aligning with CSB's mission of personalized, relationship-driven banking.

Valuation Metrics

The current forward P/E ratio for CoastalSouth Bancshares Inc (COSO.N) is 10.10, compared to its 5-year average forward P/E of 8.54. For a more detailed relative valuation and DCF analysis to assess CoastalSouth Bancshares Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.54
Current PE
10.10
Overvalued PE
11.35
Undervalued PE
5.72

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.64
Current PS
3.13
Overvalued PS
3.51
Undervalued PS
1.77

Financials

AI Analysis
Annual
Quarterly

Whales Holding COSO

N
North Reef Capital Management LP
Holding
COSO
-1.39%
3M Return

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Frequently Asked Questions

What is CoastalSouth Bancshares Inc (COSO) stock price today?

The current price of COSO is 24.31 USD — it has increased 1.17

What is CoastalSouth Bancshares Inc (COSO)'s business?

CoastalSouth Bancshares, Inc. is a bank holding company. The Company’s subsidiary is Coastal States Bank (CSB). CSB operates retail banking branches in Beaufort County, South Carolina, Chatham County, Georgia, Dawson County, Georgia, Fulton County, Georgia and Forsyth County, Georgia. Its specialty banking services include home builder financing, senior housing financing, warehouse lending, and correspondent banking. Its personal banking services include checking, savings, treasury management, and lending. Its small business banking services include small business checking, small business savings, small business lending, and small business digital banking. It offers various commercial lending’s, such as commercial loans, commercial real estate loans, and business credit cards. CSB’s wholly owned subsidiary, Coastal States Mortgage, Inc. (CSM), is a mortgage company focused on originating and selling residential mortgages to investors.

What is the price predicton of COSO Stock?

Wall Street analysts forecast COSO stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for COSO is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is CoastalSouth Bancshares Inc (COSO)'s revenue for the last quarter?

CoastalSouth Bancshares Inc revenue for the last quarter amounts to 21.82M USD, increased 23.34

What is CoastalSouth Bancshares Inc (COSO)'s earnings per share (EPS) for the last quarter?

CoastalSouth Bancshares Inc. EPS for the last quarter amounts to 0.58 USD, increased 7.41

How many employees does CoastalSouth Bancshares Inc (COSO). have?

CoastalSouth Bancshares Inc (COSO) has 0 emplpoyees as of March 10 2026.

What is CoastalSouth Bancshares Inc (COSO) market cap?

Today COSO has the market capitalization of 287.88M USD.