CoastalSouth Bancshares, Inc. (COSO) Key Metrics
COSO valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $318.6M
- Enterprise value
- $360.7M
- P/E (TTM)
- 12.0 10-yr median 10.8
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.7 10-yr median 2.1
- Price / book
- 1.2 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 7.1
- Dividend yield
- 0.75% $0.20 a year
- Beta
- 0.03
COSO key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCOSO valuation Price multiples at each fiscal year-end price.
COSO returns How much profit the business earns on the capital it uses.
COSO per-share figures Results divided by the shares outstanding at year-end.
COSO financial health Debt, liquidity and how easily interest is covered.
COSO efficiency & capital use Working capital cycle and where the cash goes.
COSO valuation history
COSO returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
COSO debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
COSO cash returned to shareholders
COSO price vs earnings per share
COSO key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $267.8M | $229.7M | $142.6M | $159.4M | $143.7M | $96.6M | $91.1M | $61.4M | — | — |
| Enterprise value | −$83.0M | $176.5M | −$172.1M | −$95.0M | −$329.3M | $115.7M | $35.0M | −$36.5M | — | — |
| P/E ratio | 10.8 | 10.5 | 5.8 | 8.8 | 11.7 | 15.2 | 35.0 | — | — | — |
| Price / sales | 2.0 | 1.8 | 1.2 | 2.1 | 2.5 | 2.2 | 2.5 | 2.4 | — | — |
| Price / book | 1.0 | 1.2 | 0.9 | 1.3 | 1.1 | 0.9 | 1.0 | 0.9 | — | — |
| Price / free cash flow | 4.4 | — | 3.9 | 2.0 | 2.1 | — | — | 18.0 | — | — |
| Price / operating cash flow | 4.2 | — | 3.8 | 1.9 | 2.0 | — | — | 7.0 | — | — |
| EV / sales | -0.6 | 1.4 | -1.5 | -1.2 | -5.8 | 2.6 | 1.0 | -1.4 | — | — |
| EV / EBITDA | — | 5.9 | — | — | — | 11.9 | 7.1 | — | — | — |
| Earnings yield | 9.3% | 9.5% | 17.2% | 11.4% | 8.6% | 6.6% | 2.9% | −0.3% | — | — |
| Free cash flow yield | 22.9% | −6.1% | 25.8% | 51.1% | 47.8% | −24.0% | −44.8% | 5.6% | — | — |
| Dividend yield | — | — | — | — | — | — | — | 0.0% | — | — |
| Shareholder yield (dividends + buybacks) | 0.0% | 0.0% | — | — | — | — | — | 0.0% | — | — |
| Share price at fiscal year-end | $23.25 | $21.94 | $15.00 | $18.00 | $17.26 | $12.10 | $12.55 | $10.11 | — | — |
| Per share | ||||||||||
| Revenue per share | $11.79 | $12.39 | $12.03 | $8.63 | $6.83 | $5.49 | $4.97 | $4.20 | $5.85 | $2.82 |
| Earnings per share | $2.16 | $2.09 | $2.58 | $2.05 | $1.48 | $0.80 | $0.36 | −$0.03 | −$3.59 | $0.18 |
| Operating cash flow per share | $5.48 | −$1.21 | $3.91 | $9.44 | $8.52 | −$2.55 | −$5.22 | $1.44 | $8.30 | −$1.00 |
| Free cash flow per share | $5.32 | −$1.34 | $3.87 | $9.19 | $8.25 | −$2.91 | −$5.62 | $0.56 | $6.78 | −$1.32 |
| Cash per share | $33.05 | $6.49 | $42.44 | $44.62 | $62.18 | $15.90 | $9.11 | $16.21 | $46.08 | $7.65 |
| Book value per share | $22.53 | $18.65 | $16.42 | $13.42 | $15.01 | $12.77 | $12.72 | $11.18 | $17.36 | $4.30 |
| Tangible book value per share | $21.85 | $18.04 | $15.74 | $12.64 | $14.10 | $11.98 | $11.83 | $10.13 | $17.36 | $4.30 |
| Dividends per share | — | — | — | — | — | — | — | $0.00 | $7.45 | $1.01 |
| Capex per share | $0.16 | $0.14 | $0.03 | $0.24 | $0.26 | $0.36 | $0.40 | $0.87 | $1.52 | $0.32 |
| Debt per share | $2.60 | $1.41 | $9.33 | $15.89 | $5.36 | $18.28 | $1.38 | $0.08 | $32.11 | $4.76 |
| Shares outstanding | 11.5M | 10.5M | 9.5M | 8.9M | 8.3M | 8.0M | 7.3M | 6.1M | 3.3M | 7.9M |
| Change in shares outstanding | +10.0% | +10.2% | +7.4% | +6.4% | +4.2% | +10.1% | +19.6% | +84.4% | −58.6% | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 10.9% | 12.5% | 17.8% | 14.9% | 10.9% | 6.6% | 3.3% | −0.3% | −25.9% | 4.3% |
| Return on invested capital (ROIC) | — | — | — | — | — | 8.1% | 85.0% | — | −39.6% | 7.5% |
| Return on assets (ROA) | 1.1% | 1.1% | 1.3% | 1.1% | 0.9% | 0.7% | 0.4% | −0.0% | −2.5% | 0.3% |
| Return on tangible assets | 1.1% | 1.0% | 1.2% | 1.0% | 0.8% | 0.6% | 0.4% | −0.0% | −2.2% | 0.3% |
| Free cash flow margin | 45.1% | −10.9% | 32.2% | 106.5% | 120.9% | −52.9% | −113.1% | 13.4% | 115.9% | −46.8% |
| Income quality (OCF / net income) | 2.54 | −0.58 | 1.52 | 4.59 | 5.75 | −3.20 | −14.55 | — | — | −5.51 |
| Financial health | ||||||||||
| Total debt | $30.0M | $14.7M | $88.7M | $140.7M | $44.6M | $146.0M | $10.0M | $500,000 | $105.7M | $37.9M |
| Cash & short-term investments | $380.8M | $68.0M | $403.3M | $395.1M | $517.6M | $127.0M | $66.1M | $98.4M | $151.6M | $60.8M |
| Net debt | −$350.8M | −$53.2M | −$314.7M | −$254.4M | −$473.0M | $19.1M | −$56.1M | −$97.9M | −$45.9M | −$23.0M |
| Debt / equity | 0.12 | 0.08 | 0.57 | 1.18 | 0.36 | 1.43 | 0.11 | 0.01 | 1.85 | 1.11 |
| Debt / assets | 0.01 | 0.01 | 0.04 | 0.08 | 0.03 | 0.13 | 0.01 | 0.00 | 0.20 | 0.09 |
| Net debt / EBITDA | −10.48 | −1.78 | −9.17 | −9.68 | −27.20 | 1.96 | −11.46 | −331.91 | — | −4.37 |
| Current ratio | 0.15 | 0.05 | 0.24 | 0.26 | 0.36 | 0.15 | 0.12 | 0.20 | 0.39 | 0.19 |
| Quick ratio | 0.15 | 0.05 | 0.24 | 0.26 | 0.36 | 0.15 | 0.11 | 0.19 | 0.38 | 0.17 |
| Interest coverage | 0.6 | 0.5 | 0.7 | 2.5 | 3.3 | 1.4 | 0.7 | -0.2 | -3.3 | 2.1 |
| Working capital | −$447.1M | −$1.17B | −$1.35B | −$1.16B | −$911.3M | −$759.9M | −$532.0M | −$411.8M | −$243.0M | −$274.4M |
| Invested capital | −$91.3M | $142.0M | −$158.6M | −$135.6M | −$348.1M | $121.0M | $36.2M | −$30.1M | $11.2M | $11.2M |
| Tangible asset value | $251.7M | $188.8M | $149.6M | $111.9M | $117.4M | $95.7M | $85.9M | $61.5M | $57.1M | $34.2M |
| Net current asset value | −$1.97B | −$1.84B | −$1.44B | −$1.31B | −$963.9M | −$913.9M | −$547.1M | −$414.8M | −$320.4M | −$313.8M |
| Graham number | $33.09 | $29.62 | $30.84 | $24.91 | $22.36 | $15.14 | $10.13 | — | — | $4.19 |
| Graham net-net per share | −$143.98 | −$174.60 | −$152.77 | −$148.61 | −$116.04 | −$114.61 | −$75.47 | −$68.39 | −$97.11 | −$39.21 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | — | — | — | $0 | $24.5M | $8.0M |
| Share buybacks (net) | $69,000 | $0 | — | — | — | — | — | $0 | $24.5M | $0 |
| Dividend payout ratio | — | — | — | — | — | — | — | — | — | 557.1% |
| Dividends + buybacks / free cash flow | 0.1% | — | — | — | — | — | — | 0.0% | 219.7% | — |
| Capex / revenue | 1.3% | 1.1% | 0.3% | 2.8% | 3.9% | 6.5% | 8.1% | 20.8% | 26.0% | 11.3% |
| Capex / operating cash flow | 2.9% | — | 0.8% | 2.6% | 3.1% | — | — | 60.9% | 18.3% | — |
| Capex / depreciation | 0.79 | 0.53 | 0.11 | 0.88 | 1.14 | 1.86 | 2.04 | 7.60 | 9.90 | 4.49 |
| Stock-based compensation / revenue | 0.7% | 1.0% | 1.0% | 1.2% | 2.1% | 2.4% | 2.5% | 2.3% | 0.8% | 6.8% |
| SG&A / revenue | 23.3% | 20.8% | 23.2% | 32.0% | 40.6% | 41.0% | 58.1% | 68.8% | 60.7% | 43.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 26.5 | 45.8 | 49.0 | 28.2 | 24.7 | 24.6 | 22.4 | 31.0 | 55.5 | 47.1 |
| Days of inventory on hand | — | — | — | — | 43.5 | 46.9 | 92.4 | 286.0 | 361.9 | 1,075.4 |
| Days payables outstanding | — | — | — | 36,906.8 | 69,508.2 | 30,260.8 | 28,441.0 | 40,043.8 | 20,921.5 | 40,123.7 |
| Cash conversion cycle (days) | — | — | — | -36,878.6 | -69,440.0 | -30,189.2 | -28,326.1 | -39,726.9 | -20,504.2 | -39,001.2 |
| Receivables turnover | 13.76 | 7.97 | 7.45 | 12.96 | 14.80 | 14.83 | 16.29 | 11.79 | 6.58 | 7.74 |
| Payables turnover | — | — | — | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Inventory turnover | — | — | — | — | 8.39 | 7.78 | 3.95 | 1.28 | 1.01 | 0.34 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 | 0.04 | 0.05 |
| Average receivables | $9.9M | $16.3M | $15.4M | $5.9M | $3.8M | $3.0M | $2.2M | $2.2M | $2.9M | $2.9M |
| Average payables | — | — | — | $1.49B | $1.16B | $746.3M | $557.2M | $440.3M | $353.5M | $331.4M |
| Average inventory | — | — | — | — | $725,000 | $1.2M | $1.8M | $3.1M | $6.1M | $8.9M |
| Intangibles / total assets | 0.3% | 0.3% | 0.3% | 0.4% | 0.5% | 0.6% | 0.9% | 1.1% | 0.0% | 0.0% |
Computed from COSO's annual financial statements (latest annual report filed March 12, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
COSO valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), CoastalSouth Bancshares traded at 10.8 times earnings, against a 10-year median of 10.8. Based on the latest twelve months, the trailing P/E is 12.0. CoastalSouth Bancshares earned a return on equity of 10.9% in fiscal 2025. It ended the year with $30.0 million of debt and $380.8 million in cash and short-term investments, a net cash position of $350.8 million. It returned $0.1 million to shareholders: $0 in dividends and $0.1 million in share buybacks, 0% of free cash flow. The share count rose 45.0% from 7.9M to 11.5M over 9 years.
See the COSO income statement, the COSO chart for price history, or the COSO stock overview for the latest quote and news.
COSO key metrics FAQ
What is CoastalSouth Bancshares's P/E ratio?
CoastalSouth Bancshares's trailing P/E ratio is 12.0 based on the last twelve months of earnings (as of October 17, 2026). At the end of fiscal 2025 it was 10.8, compared with a 10-year median of 10.8.
What is CoastalSouth Bancshares's return on equity?
CoastalSouth Bancshares's return on equity (ROE) was 10.9% in fiscal 2025: net income of $24.9 million on average shareholders' equity of $227.4 million.
How much debt does CoastalSouth Bancshares have?
CoastalSouth Bancshares had total debt of $30.0 million at the end of fiscal 2025, a debt-to-equity ratio of 0.12 and more cash than debt.
Does CoastalSouth Bancshares buy back its shares?
Yes. CoastalSouth Bancshares spent $0.1 million on net share repurchases in fiscal 2025 Shares outstanding changed +10.0% over the year, to 11.5M..
What is CoastalSouth Bancshares's free cash flow yield?
CoastalSouth Bancshares generated $61.3 million of free cash flow in fiscal 2025, a free cash flow yield of 22.9% on its market value at year-end ($267.8 million).
What is CoastalSouth Bancshares's current ratio?
CoastalSouth Bancshares's current ratio was 0.15 at the end of fiscal 2025: current assets were 0.15 times current liabilities.