Latest Ratios: P/E Ratio 12.3x · EV/EBITDA 9.2x · ROE 10.9%. (2015–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $320M | $268M | $230M | $143M | $159M | $144M | $97M | $91M | $61M | $61M | — |
| Enterprise Value | $309M | $256M | $177M | $212M | $281M | $173M | $235M | $96M | $23M | $70M | — |
| P/E Ratio → | 12.32 | 10.76 | 10.50 | 5.81 | 8.78 | 11.66 | 15.12 | 34.86 | — | — | — |
| P/S Ratio | 2.36 | 1.97 | 1.77 | 1.25 | 2.09 | 2.53 | 2.20 | 2.53 | 2.41 | 3.16 | — |
| P/B Ratio | 1.18 | 1.03 | 1.18 | 0.91 | 1.34 | 1.15 | 0.95 | 0.99 | 0.90 | 1.07 | — |
| P/FCF | 5.23 | 4.37 | — | 3.87 | 1.96 | 2.09 | — | — | 17.99 | 2.73 | — |
| P/OCF | 5.08 | 4.24 | — | 3.84 | 1.91 | 2.03 | — | — | 7.04 | 2.23 | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.89 | 1.36 | 1.85 | 3.68 | 3.04 | 5.36 | 2.67 | 0.91 | 3.62 | — |
| EV / EBITDA | 9.23 | 7.66 | 6.01 | 6.31 | 11.03 | 10.20 | 25.16 | 21.19 | 154.45 | — | — |
| EV / EBIT | 9.92 | 8.23 | 6.49 | 6.72 | 11.78 | 11.18 | 28.62 | 27.80 | — | — | — |
| EV / FCF | — | 4.18 | — | 5.75 | 3.45 | 2.52 | — | — | 6.84 | 3.12 | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.0% | 58.0% | 54.6% | 62.9% | 80.8% | 89.3% | 79.5% | 80.2% | 84.3% | 68.0% | 86.5% |
| Operating Margin | 22.9% | 22.9% | 21.0% | 27.5% | 31.2% | 27.2% | 18.7% | 9.6% | -1.6% | -29.2% | 20.9% |
| Net Profit Margin | 18.3% | 18.3% | 16.9% | 21.4% | 23.8% | 21.7% | 14.5% | 7.2% | -0.7% | -61.4% | 6.4% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.9% | 10.9% | 12.5% | 17.8% | 14.9% | 10.9% | 6.6% | 3.3% | -0.3% | -25.9% | 4.3% |
| ROA | 1.1% | 1.1% | 1.1% | 1.3% | 1.1% | 0.9% | 0.7% | 0.4% | -0.0% | -2.5% | 0.3% |
| ROIC | 9.4% | 9.4% | 9.0% | 9.4% | 8.3% | 5.6% | 3.5% | 3.0% | -0.3% | -3.6% | 4.5% |
| ROCE | 2.4% | 2.4% | 4.9% | 12.0% | 10.7% | 7.1% | 4.5% | 3.9% | -0.4% | -5.4% | 2.9% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.08 | 0.57 | 1.18 | 0.36 | 1.43 | 0.11 | 0.01 | 1.85 | 1.11 |
| Debt / EBITDA | 0.90 | 0.90 | 0.50 | 2.64 | 5.53 | 2.63 | 15.62 | 2.20 | 3.31 | — | 7.21 |
| Net Debt / Equity | — | -0.04 | -0.27 | 0.44 | 1.02 | 0.23 | 1.36 | 0.06 | -0.56 | 0.15 | 0.55 |
| Net Debt / EBITDA | -0.34 | -0.34 | -1.81 | 2.06 | 4.77 | 1.73 | 14.82 | 1.16 | -251.95 | — | 3.55 |
| Debt / FCF | — | -0.19 | — | 1.88 | 1.49 | 0.43 | — | — | -11.15 | 0.40 | — |
| Interest Coverage | 0.58 | 0.58 | 0.47 | 0.74 | 2.48 | 3.25 | 1.43 | 0.66 | -0.17 | -3.28 | 2.09 |
Net cash position: cash ($42M) exceeds total debt ($30M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.15 | 0.15 | 0.05 | 0.24 | 0.26 | 0.36 | 0.15 | 0.12 | 0.20 | 0.39 | 0.19 |
| Quick Ratio | 0.15 | 0.15 | 0.05 | 0.24 | 0.26 | 0.36 | 0.15 | 0.12 | 0.20 | 0.39 | 0.19 |
| Cash Ratio | 0.08 | 0.08 | 0.05 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.08 | 0.24 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | 40.3% | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.1% | 9.3% | 9.5% | 17.2% | 11.4% | 8.6% | 6.6% | 2.9% | — | — | — |
| FCF Yield | 19.1% | 22.9% | — | 25.8% | 51.1% | 47.8% | — | — | 5.6% | 36.6% | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 40.3% | — |
| Shares Outstanding | — | $12M | $10M | $10M | $9M | $8M | $8M | $7M | $6M | $3M | $8M |
Mortgage warehouse concentration risk
According to current market data, CoastalSouth trades at a P/B of 1.19, which appears to discount the bank relative to regional peers, likely reflecting investor skepticism regarding the sustainability of its specialized mortgage warehouse business model in a high-rate environment.
The current P/B multiple suggests that the market is not yet pricing CoastalSouth as a premium franchise, despite its specialized lending niches. Investors should monitor whether the bank's ROTCE can expand beyond its current low single-digit levels to justify a valuation closer to its regional peers.
As reported in financial statements, the bank's ROE has struggled to exceed 3% over the last ten quarters, indicating that the combination of a thin 0.8% NIM and limited asset utilization is currently constraining overall profitability quality.
The DuPont decomposition suggests that CoastalSouth's profitability is heavily reliant on transactional fee income, which remains volatile. Without a meaningful expansion in NIM or a more consistent contribution from non-interest income, the bank's ROE appears unlikely to reach levels that would attract significant institutional interest.
Based on the bank's reported figures, the efficiency ratio has fluctuated between 30.5% and 37.8% over the last ten quarters, highlighting the high-touch operational requirements inherent in managing specialized government-guaranteed lending platforms alongside a traditional retail branch network.
The persistent 0.8% NIM suggests that the bank's funding costs are closely tracking asset yields, leaving little room for margin expansion. The efficiency ratio appears to be a critical metric to monitor, as any further increase may indicate that the cost of servicing specialized loans is outpacing revenue growth.
As reported in financial statements, the bank maintains a lean equity-to-assets ratio of approximately 0.11 as of 2026Q1, which, while appearing low by industrial standards, remains consistent with the bank's historical capital management strategy and its reliance on a deposit-funded business model.
The low debt-to-equity ratio of 0.12% indicates that the bank is primarily funded by deposits rather than wholesale debt, which provides a buffer against liquidity shocks. This conservative capital structure appears to be a deliberate choice to maintain stability in the face of cyclical mortgage warehouse demand.
The P/E ratio is frequently misapplied to CoastalSouth, as it fails to account for the significant volatility in provision for loan losses and transactional gain-on-sale income that can artificially inflate or deflate earnings in any given quarter.
Investors should prioritize P/TBV and P/B multiples over P/E, as the latter is highly sensitive to non-recurring items and accounting adjustments. Relying on P/E may obscure the underlying credit risks associated with the bank's mortgage warehouse concentration, which is better assessed through tangible book value trends.
Includes 30+ ratios · 11 years · Updated daily
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Quick answers to the most common questions about buying COSO stock.
CoastalSouth Bancshares, Inc.'s current P/E ratio is 12.3x. The historical average is 13.9x. This places it at the 71th percentile of its historical range.
CoastalSouth Bancshares, Inc.'s current EV/EBITDA is 9.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.5x.
CoastalSouth Bancshares, Inc.'s return on equity (ROE) is 10.9%. The historical average is 5.4%.
Based on historical data, CoastalSouth Bancshares, Inc. is trading at a P/E of 12.3x. This is at the 71th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
CoastalSouth Bancshares, Inc. has 58.0% gross margin and 22.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
CoastalSouth Bancshares, Inc.'s Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.