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CoastalSouth Bancshares
(NYSE:COSO)
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Rating:73Outperform
Price Target:
$30.00
â–²(9.69% Upside)
Action:Reiterated
Date:10/20/26
The score is driven primarily by solid fundamentals (strong revenue growth and improved capitalization, partially tempered by cash-flow volatility) and favorable valuation (moderate P/E with a very high provided dividend yield). Corporate updates are supportive with strong earnings/loan growth and buybacks, while technical indicators remain a near-term headwind due to weaker momentum below key moving averages and a negative MACD.
Positive Factors
Revenue Growth and Profitability
Multi-year revenue expansion demonstrates meaningful business growth, while solid net and EBIT margins show that CoastalSouth converts a substantial portion of that revenue into earnings. This combination supports reinvestment, franchise expansion, and durable earnings capacity over the coming quarters.
Negative Factors
Cash-Flow Volatility
Although cash generation rebounded strongly in 2025, repeated swings between negative and positive operating cash flow make underlying cash conversion less predictable. This can complicate capital planning and reduce confidence that reported earnings will translate consistently into internally generated funds.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability
Multi-year revenue expansion demonstrates meaningful business growth, while solid net and EBIT margins show that CoastalSouth converts a substantial portion of that revenue into earnings. This combination supports reinvestment, franchise expansion, and durable earnings capacity over the coming quarters.
Read all positive factors
CoastalSouth Bancshares (COSO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$326.68M
Dividend Yield0.54%
Average Volume (3M)119.30K
Price to Earnings (P/E)11.3
Beta (1Y)0.03
Revenue Growth8.14%
EPS Growth12.46%
CountryUS
Employees207
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.31
Shares Outstanding11,734,134
10 Day Avg. Volume78,542
30 Day Avg. Volume119,303
Financial Highlights & Ratios
PEG Ratio2.48
Price to Book (P/B)1.03
Price to Sales (P/S)1.97
P/FCF Ratio4.37
Enterprise Value/Market Cap1.01
Enterprise Value/Revenue2.34
Enterprise Value/Gross Profit3.86
Enterprise Value/Ebitda8.74
Forecast
1Y Price Target
$32.00Price Target Upside17.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.3
Revenue Forecast (FY)$93.19M
CoastalSouth Bancshares Business Overview & Revenue Model
Company Description
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, in...
CoastalSouth Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.59M | 135.78M | 129.72M | 114.38M | 76.38M | 56.81M |
| Gross Profit | 85.17M | 78.77M | 70.84M | 71.97M | 61.68M | 50.73M |
| EBITDA | 37.64M | 33.46M | 29.86M | 34.32M | 26.28M | 17.39M |
| Net Income | 27.54M | 24.89M | 21.90M | 24.48M | 18.19M | 12.32M |
Balance Sheet | ||||||
| Total Assets | 2.42B | 2.31B | 2.10B | 2.03B | 1.84B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 383.90M | 380.80M | 67.96M | 403.35M | 395.08M | 517.58M |
| Total Debt | 75.00M | 30.00M | 14.73M | 88.67M | 140.68M | 44.59M |
| Total Liabilities | 2.15B | 2.05B | 1.90B | 1.87B | 1.72B | 1.49B |
| Stockholders Equity | 269.70M | 259.53M | 195.23M | 156.04M | 118.80M | 124.93M |
Cash Flow | ||||||
| Free Cash Flow | 68.41M | 61.30M | -14.08M | 36.83M | 81.38M | 68.69M |
| Operating Cash Flow | 69.16M | 63.13M | -12.67M | 37.14M | 83.54M | 70.88M |
| Investing Cash Flow | -246.60M | -224.09M | -17.31M | -176.35M | -502.90M | -226.30M |
| Financing Cash Flow | 168.37M | 172.77M | 49.39M | 158.80M | 223.97M | 222.78M |
CoastalSouth Bancshares Technical Analysis
Positive
27.35
Price Trends
27.12
Positive
27.03
Positive
25.91
Positive
Market Momentum
0.18
Negative
60.35
Neutral
80.24
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For COSO, the sentiment is Positive. The current price of 27.35 is above the 20-day moving average (MA) of 26.97, above the 50-day MA of 27.12, and above the 200-day MA of 25.91, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 60.35 is Neutral, neither overbought nor oversold. The STOCH value of 80.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for COSO.
CoastalSouth Bancshares Risk Analysis
CoastalSouth Bancshares disclosed 47 risk factors in its most recent earnings report. CoastalSouth Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
CoastalSouth Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $440.09M | 10.45 | 15.86% | 2.04% | 24.22% | 39.38% | |
73 Outperform | $326.68M | 11.27 | 11.22% | 0.54% | 8.14% | 12.46% | |
73 Outperform | $406.87M | 9.89 | 10.64% | 2.97% | 6.34% | 35.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $493.03M | 13.92 | 10.27% | 4.07% | 25.09% | 12.79% | |
63 Neutral | $344.28M | 11.25 | 9.14% | 2.63% | 5.90% | -7.04% | |
57 Neutral | $333.39M | 36.35 | 2.73% | 3.93% | -4.80% | -59.69% |
* Financial Sector Average
COSO
CoastalSouth Bancshares
27.84
6.59
31.04%
CZNC
Citizens & Northern
27.49
9.20
50.29%
PLBC
Plumas Bancorp
63.24
23.85
60.55%
FSBW
FS Bancorp
43.76
6.29
16.79%
BCML
BayCom
30.53
4.39
16.81%
PCB
PCB Bancorp
28.97
8.52
41.68%
CoastalSouth Bancshares Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
CoastalSouth Bancshares Reports Record Q3 2026 Earnings
Positive
Oct 19, 2026
CoastalSouth Bancshares, Inc. reported strong third quarter 2026 results on October 19, 2026, posting record net income of $8.8 million, or $0.71 per diluted share, up from both the prior quarter and the same period in 2025. For the first nine mon...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
CoastalSouth Bancshares Posts Strong Second-Quarter Earnings Growth
Positive
Jul 20, 2026
On July 20, 2026, CoastalSouth Bancshares, Inc. reported second‑quarter 2026 net income of $7.3 million, or $0.59 per diluted share, up from $6.3 million in the prior quarter and $6.0 million a year earlier, with six‑month 2026 net inc...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.