CoastalSouth Bancshares, Inc. (COSO) AI Stock Analysis

CoastalSouth Bancshares, Inc. operates as the bank holding company for Coastal States Bank, delivering retail and commercial banking products and services. Its offerings include checking, savings, money market, and certificates of deposit accounts. The company provides commercial lending options, such as acquisition, development, construction, commercial real estate, senior housing, and commercial and industrial loans. It also delivers retail lending solutions comprising residential mortgages, marine vessels, and consumer loans. Additional services include commercial treasury management, warehouse lending, government-guaranteed lending, mobile and online banking solutions, cash management deposit services, and debit card issuance.

Annual revenue expanded from $56.8M in FY2021 to $135.8M in FY2025, reflecting a 5-year revenue CAGR of 25.4%, though year-over-year revenue growth moderated to 4.7% in FY2025. Operating margin was 22.9% in FY2025, slightly higher than 21.0% in FY2024 but lower than 31.2% in FY2022. Net income reached $24.9M with EPS of $2.16 in FY2025, up from $21.9M and $2.09 in FY2024. For the latest quarter ended June 30, 2026, quarterly revenue increased 16.1% year-over-year, while quarterly earnings grew 3.5%. Across the trailing twelve months, revenue was $85.2M, operating margin was 41.2%, and profit margin reached 32.3%.

As of June 30, 2026, CoastalSouth Bancshares held $383.9M in cash and short-term investments alongside total debt of $75.0M, resulting in net cash of $308.9M. Total assets stood at $2.42B against shareholders' equity of $269.7M, yielding a debt-to-equity ratio of 0.28 and a current ratio of 0.19. In FY2025, operating cash flow recovered to $63.1M. Cash deployment in FY2025 included capital expenditures of $1.8M and share buybacks of $69,000, while the 5-year share count change was 41.0%.

CoastalSouth Bancshares trades at a trailing price-to-earnings multiple of 12.0x, in line with the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio stands at 3.7x compared to the peer median of 3.2x, while its price-to-book ratio is 1.2x. The company holds a market capitalization of $318.6M and an enterprise value of $360.7M. Over the past year, COSO delivered a return of 25.8%, outperforming the S&P 500 benchmark return of 16.8%. Over a 5-year period, the stock gained 57.7%, trailing the S&P 500 return of 83.0%.

The company pays a forward annual dividend of $0.20 per share on a quarterly schedule, yielding 0.75%. This represents a payout ratio of 6.8%. The most recent ex-dividend date was August 13, 2026.

Wall Street coverage includes 2 Strong Buy ratings, 1 Buy rating, and zero Hold or Sell ratings. The mean price target is $31.67, representing an 18.8% upside from the last close of $26.65. For the current fiscal year ending December 31, 2026, consensus estimates anticipate EPS of $2.30 on revenue of $93.2M. For the next fiscal year, 3 analysts project EPS of $2.57 and revenue of $102.5M. CoastalSouth Bancshares registered 0 EPS beats over the last 4 quarters, with next earnings scheduled for October 19, 2026.

This page is an AI-written research summary of CoastalSouth Bancshares, Inc. (COSO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: COSO income statement, COSO balance sheet, COSO key metrics, COSO analyst forecast, COSO chart. See the COSO stock overview for the latest quote and news.