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May 1, 2026·SEC
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Apr 20, 2026·SEC
CoastalSouth Bancshares, Inc.(COSO)Earnings, Financials & Key Ratios
COSO•NYSE•Banking & Credit
$26.55
12.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutCoastalSouth 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.Show more
- Net Interest Income$74M+13.1%
- Total Revenue$136M+4.7%
- Net Income$25M+13.6%
- Return on Equity10.95%-12.2%
- Net Interest Margin3.2%+2.9%
- Efficiency Ratio35.08%+4.3%
- ROA1.13%+6.5%
- Equity / Assets11.25%+21.0%
- Book Value per Share22.53+20.8%
COSO Price & Volume
CoastalSouth Bancshares, Inc. (COSO) stock price & volume — 10-year historical chart
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Stagnant Margins Offset By Tactical Asset Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Mortgage warehouse concentration risk
Key Thesis Takeaways
- CoastalSouth Bancshares demonstrates a complex financial profile characterized by a 17.8% year-over-year increase in net interest income as of 2026Q1, though this growth is tempered by a persistently flat 0.8% net interest margin.
- The bank's reliance on a $2.0 billion investment securities portfolio provides necessary liquidity but masks underlying credit risks inherent in its specialized mortgage warehouse lending operations.
- Investors should monitor the volatility in loan loss provisions, which swung from a negative $1.0 million in 2024Q3 to a $1.2 million expense in 2025Q4, as this remains a primary indicator of potential asset quality deterioration.
Verdict Logic
while the stock trades at a 0.57 PEG ratio, the persistent 0.8% net interest margin and reliance on cyclical fee income suggest limited near-term catalysts for significant valuation expansion.
COSO Growth Metrics
CoastalSouth Bancshares, Inc. (COSO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.06%
5 Years25.35%
3 Years21.14%
TTM-
Profit CAGR
10 Years33.47%
5 Years31.34%
3 Years11.02%
TTM6.71%
EPS CAGR
10 Years4.07%
5 Years21.98%
3 Years1.76%
TTM-5.17%
Return on Capital
10 Years4.26%
5 Years7.42%
3 Years6.43%
Last Year2.36%
COSO Recent Earnings
CoastalSouth Bancshares, Inc. (COSO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (20%)●Beat Revenue 2/12 qtrs (40%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.51-8.9%
$0.56
Rev
$22M-1.8%
$22M
Q2 2026
Mar 4, 2026Metric
Actual
Est
EPS
$0.58
—
Rev
$35M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.58-2.5%
$0.59
Rev
$22M+1.2%
$22M
Q1 2026
Jan 20, 2026Metric
Actual
Est
EPS
$0.58-6.5%
$0.62
Rev
$22M+1.2%
$22M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.51vs $0.56-8.9% | $22Mvs $22M-1.8% |
| Q2 2026 | Mar 4, 2026 | $0.58 | $35M |
| Q1 2026 | Jan 26, 2026 | $0.58vs $0.59-2.5% | $22Mvs $22M+1.2% |
| Q1 2026 | Jan 20, 2026 | $0.58vs $0.62-6.5% | $22Mvs $22M+1.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for CoastalSouth Bancshares, Inc. (COSO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.55 | $319.54M | 12.29 | 4.68% | 18.33% | 10.95% | — | |
| $61.12 | $577.9M | 16.30 | 5.29% | 17.01% | 9.65% | — | |
| $32.74 | $250.88M | 13.26 | 12.72% | 18.01% | 11.74% | — | |
| $77.51 | $844.33M | 12.52 | -3.37% | 21.74% | 11.29% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — |
Compare COSO vs Peers
CoastalSouth Bancshares, Inc. (COSO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
COSO SEC Filings & Documents
CoastalSouth Bancshares, Inc. (COSO) SEC filings — annual & quarterly reports (10-K, 10-Q)
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COSO Frequently Asked Questions
CoastalSouth Bancshares, Inc. (COSO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is CoastalSouth Bancshares, Inc. growing?
CoastalSouth Bancshares, Inc. (COSO) grew revenue by 4.7% over the past year. Growth has been modest.
Is COSO profitable?
Yes, CoastalSouth Bancshares, Inc. (COSO) is profitable, generating $26.2M in net income for fiscal year 2025 (18.3% net margin).
Dividend & Returns
What is COSO's return on equity?
CoastalSouth Bancshares, Inc. (COSO) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.
Industry Metrics
What is CoastalSouth Bancshares, Inc.'s net interest margin?
CoastalSouth Bancshares, Inc. (COSO) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is CoastalSouth Bancshares, Inc.'s efficiency ratio?
CoastalSouth Bancshares, Inc. (COSO) has an efficiency ratio of 35.1%. This is excellent, indicating strong cost control.