COSO CoastalSouth Bancshares, Inc. Common Stock
$25.72
Price · May 1, 2026
Fundamentals as of Mar 12, 2026
52W Range
$19–$26
91% of range
Analyst Rating
BUY
8 analysts
Price Target
$30
+17% upside
P/E (TTM)
10.8
ROE
10.6%
Net Profit Margin
1254.0%
COSO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$25.71
Market Cap
—
P/E (TTM)
10.8
EPS (TTM)
$2.16
Revenue (TTM)
$2M
Div Yield
—
ROE
10.6%
Debt/Equity
—
52W Range
$19 – $26
COSO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$2M
2024-12-31
→
2025-12-31
EPS
$2.16
2024-12-31
→
2025-12-31
Free Cash Flow
$61M
2025-12-31
→
2025-12-31
Margins
1254.0%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
COSO
Peer Median
P/E (TTM)
10.8
14.0
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
COSO
Peer Median
Net Profit Margin
1254.0%
23.9%
ROA
1.1%
0.98%
ROE
10.6%
5.7%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
COSO
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
COSO
Peer Median
Revenue YoY
6.4%
—
EPS YoY
3.4%
—
Net Income YoY
13.6%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
COSO
Peer Median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
—
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Feb. 12, 2026 | $0.0500 |
COSO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
8 analysts
- Strong Buy 3 37.5%
- Buy 4 50.0%
- Hold 1 12.5%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
2 analysts · 2026-05-01
Low
$30.00
High
$30.00
Median target
$30.00
+16.7%
Mean target
$30.00
+16.7%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.03%
Next Report
May 12, 2026
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $0.51 | $0.56 | -0.05% |
| Dec. 31, 2025 | $0.58 | $0.61 | -0.03% |
| Sept. 30, 2025 | $0.54 | $0.58 | -0.04% |
| June 30, 2025 | $0.57 | $0.57 | -0.00% |
Peer Comparison Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| COSO | — | 10.8 | 6.4% | 1254.0% | 10.6% | — |
| FCAP | $198M | 12.1 | 1.6% | 228.3% | 13.0% | — |
| BCBP | $139M | -9.6 | 7.0% | -12.3% | -4.0% | — |
| MNSB | $153M | 11.6 | -1.6% | 11.5% | 7.2% | 54.2% |
| HNVR | $165M | 23.1 | 7.1% | 10.2% | 3.8% | — |
| BVFL | $161M | 12.7 | 5.1% | 34.1% | 7.1% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Revenue | $2M | $2M | |
| SG&A Expense | $1M | $993.0K | |
| Interest Income | $128M | $124M | |
| Pretax Income | $31M | $27M | |
| Income Tax | $6M | $5M | |
| Net Income | $25M | $22M | |
| EPS (Basic) | $2.24 | $2.15 | |
| EPS (Diluted) | $2.16 | $2.09 | |
| Shares (Diluted) | 11,520,215 | 10,470,633 | |
| EBITDA | $2M | · |
Balance Sheet 12
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| PP&E (Net) | $18M | $18M | |
| PP&E (Gross) | $29M | $27M | |
| Accum. Depreciation | $11M | $10M | |
| Goodwill | $5M | $5M | |
| Intangibles | $2M | $2M | |
| Total Assets | $2.31B | $2.10B | |
| Total Liabilities | $2.05B | $1.90B | |
| Paid-in Capital | $190M | $159M | |
| Retained Earnings | $67M | $42M | |
| AOCI | $-9M | $-16M | |
| Stockholders' Equity | $260M | $195M | |
| Liabilities + Equity | $2.31B | $2.10B |
Cash Flow 12
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| D&A | $2M | $1M | |
| Deferred Tax | $-211.0K | $2M | |
| Amort. of Intangibles | $536.0K | $503.0K | |
| Other Non-cash | $37M | · | |
| Operating Cash Flow | $63M | $-13M | |
| CapEx | $2M | $1M | |
| Investing Cash Flow | $-224M | $-17M | |
| Stock Repurchased | $69.0K | · | |
| Net Stock Activity | $-69.0K | · | |
| Financing Cash Flow | $173M | $49M | |
| Taxes Paid | $2M | $-884.0K | |
| Free Cash Flow | $61M | · |
Profitability 5
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Net Margin | 1254.0% | · | |
| Pretax Margin | 1568.6% | · | |
| EBITDA Margin | 75.8% | · | |
| ROA | 1.1% | · | |
| ROE | 10.6% | · |
Efficiency 1
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Asset Turnover | 0.0 | · |
Growth Rates 3
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Revenue YoY | 6.4% | · | |
| EPS YoY | 3.4% | · | |
| Net Income YoY | 13.6% | · |
Valuation (TTM) 4
| Metric | Trend | 2025 | 2024 |
|---|---|---|---|
| Revenue TTM | $2M | · | |
| Net Income TTM | $25M | · | |
| P/E | 10.8 | · | |
| Earnings Yield | 9.3% | · |
Income Statement 8
| Metric | Trend | Q4 2025 | Q3 2025 | Q2 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|
| Revenue | $537.0K | $464.0K | $487.0K | $467.0K | $427.0K | |
| Interest Income | $33M | $33M | $32M | $31M | $33M | |
| Pretax Income | $9M | $9M | $7M | $7M | $10M | |
| Income Tax | $2M | $2M | $1M | $950.0K | $2M | |
| Net Income | $7M | $7M | $6M | $6M | $8M | |
| EPS (Basic) | $0.60 | $0.57 | $0.58 | $0.56 | $0.77 | |
| EPS (Diluted) | $0.58 | $0.54 | $0.57 | $0.54 | $0.75 | |
| Shares (Diluted) | 302,243 | 12,325,462 | 10,612,255 | 49,987 | 10,544,087 |
Balance Sheet 12
| Metric | Trend | Q4 2025 | Q3 2025 | Q2 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|
| PP&E (Net) | $18M | $18M | $18M | $18M | · | |
| PP&E (Gross) | $29M | · | · | $27M | · | |
| Accum. Depreciation | $11M | · | · | $10M | · | |
| Goodwill | $5M | $5M | $5M | $5M | · | |
| Intangibles | $2M | $1M | $1M | $2M | · | |
| Total Assets | $2.31B | $2.26B | $2.22B | $2.10B | · | |
| Total Liabilities | $2.05B | $2.00B | $2.01B | $1.90B | · | |
| Paid-in Capital | $190M | $190M | $159M | $159M | · | |
| Retained Earnings | $67M | $60M | $53M | $42M | · | |
| AOCI | $-9M | $-11M | $-13M | $-16M | · | |
| Stockholders' Equity | $260M | $250M | $209M | $195M | · | |
| Liabilities + Equity | $2.31B | $2.26B | $2.22B | $2.10B | · |
Cash Flow 8
| Metric | Trend | Q4 2025 | Q3 2025 | Q2 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|
| D&A | $390.0K | $392.0K | · | $351.0K | $327.0K | |
| Deferred Tax | $-631.0K | $267.0K | · | $-138.0K | $386.0K | |
| Amort. of Intangibles | $129.0K | $116.0K | · | $108.0K | $129.0K | |
| Operating Cash Flow | $85M | $-5M | · | $38M | $-2M | |
| CapEx | $326.0K | $412.0K | · | $265.0K | $676.0K | |
| Investing Cash Flow | $-75M | $-35M | · | $-4M | $-1M | |
| Financing Cash Flow | $43M | $23M | · | $-28M | $2M | |
| Taxes Paid | $220.0K | $247.0K | · | $-1M | $40.0K |
Profitability 4
| Metric | Trend | Q4 2025 | Q3 2025 | Q2 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|
| Net Margin | · | 1452.8% | 1224.8% | · | · | |
| Pretax Margin | · | 1892.5% | 1443.3% | · | · | |
| ROA | · | 0.60% | 0.54% | · | · | |
| ROE | · | 5.4% | 5.7% | · | · |
Efficiency 1
| Metric | Trend | Q4 2025 | Q3 2025 | Q2 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.0 | 0.0 | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | |
|---|---|---|
| Revenue | $2M | $2M |
| Net Income | $25M | $22M |
| Diluted EPS | $2.16 | $2.09 |
Cash Flow
| 2025-12-31 | 2024-12-31 | |
|---|---|---|
| Free Cash Flow | $61M | — |
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