CoastalSouth Bancshares (COSO) Stock Price, News & Analysis

Company Overview

CoastalSouth Bancshares, Inc. is a bank holding company headquartered in Atlanta, Georgia. Through our wholly owned subsidiary, Coastal States Bank, a South Carolina state-chartered commercial bank, we offer a full range of banking products and services designed for businesses, real estate professionals, and consumers looking for a deep and meaningful relationship with their bank. Today, we have a community banking presence in some of the fastest growing and most business-friendly markets in the U.S., namely the Lowcountry of South Carolina (Hilton Head Island, Bluffton, and Beaufort), nearby Savannah, Georgia, and the Atlanta, Georgia market. --- In addition to our traditional community banking operations, we operate four specialty lines of business that provide scalability and diversification: • Senior Housing Lending - focuses on lending to operators across the spectrum of senior care, with an emphasis on assisted living; • Marine Lending - focuses on consumer loans primarily to high-net-worth borrowers secured by yachts and high-end sport fishing vessels; • Government Guaranteed Lending - focuses on origination of small business and other loans guaranteed by the SBA and USDA; and • Mortgage Banker Finance - focuses on mortgage warehouse lending to mortgage originators. By combining the relationship-based focus of a community bank with our specialty lines of business, we believe we can capitalize on the substantial growth opportunities available in our markets, particularly given the scarcity of community banks between $1.5 billion and $5.0 billion in total assets. Our principal executive offices are located in Atlanta, Georgia.

Key Stats

• Today's Range: $27.72 to $28.24
• 50-Day Range: $25.23 to $27.97
• 52-Week Range: $19.24 to $28.56
• Volume: 92,834 shs
• Average Volume: 100,509 shs
• Market Capitalization: $331.97 million
• P/E Ratio: 12.51
• Dividend Yield: 0.72%
• Price Target: $30.00
• Consensus Rating: Moderate Buy

CoastalSouth Bancshares Stock Analysis - MarketRank™

CoastalSouth Bancshares scored higher than 45% of companies evaluated by MarketBeat, and ranked 635th out of 858 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

CoastalSouth Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for CoastalSouth Bancshares is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

CoastalSouth Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.81%

Earnings Growth

Earnings for CoastalSouth Bancshares are expected to grow by 11.81% in the coming year, from $2.37 to $2.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CoastalSouth Bancshares is 12.66, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of CoastalSouth Bancshares is 12.66, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.16.

Price to Book Value per Share Ratio

CoastalSouth Bancshares has a P/B Ratio of 1.30. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.16% of the float of CoastalSouth Bancshares has been sold short.

Short Interest Ratio / Days to Cover

CoastalSouth Bancshares has a short interest ratio ("days to cover") of 1.72, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CoastalSouth Bancshares has recently increased by 14.85%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

CoastalSouth Bancshares has a dividend yield of 0.72%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

CoastalSouth Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of CoastalSouth Bancshares is 9.01%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, CoastalSouth Bancshares will have a dividend payout ratio of 7.55% next year. This indicates that CoastalSouth Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

MarketBeat Follows

2 people have added CoastalSouth Bancshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, CoastalSouth Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

15.11% of the stock of CoastalSouth Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

CoastalSouth Bancshares has minimal institutional ownership at this time.

Company Calendar

• Record date for 5/28 Dividend: 5/14/2026
• Ex-Dividend for 5/28 Dividend: 5/14/2026
• Dividend Payable: 5/28/2026
• Last Earnings: 7/20/2026
• Today: 8/12/2026
• Record date for 8/27 Dividend: 8/13/2026
• Ex-Dividend for 8/27 Dividend: 8/13/2026
• Dividend Payable: 8/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:COSO
• CIK: 1297107
• Web: www.coastalstatesbank.com
• Phone: (678) 396-4605
• Fax: N/A
• Employees: 180
• Year Founded: 2023

Price Target and Rating

• Average Price Target for CoastalSouth Bancshares: $30.00
• High Price Target: $30.00
• Low Price Target: $30.00
• Potential Upside/Downside: +8.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.22
• Trailing P/E Ratio: 12.50
• Forward P/E Ratio: 11.71
• P/E Growth: N/A
• Net Income: $24.89 million
• Net Margins: 19.59%
• Pretax Margin: 23.72%
• Return on Equity: 10.69%
• Return on Assets: 1.20%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.91
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $135.78 million
• Price / Sales: 2.44
• Cash Flow: $2.27 per share
• Price / Cash Flow: 12.20
• Book Value: $21.67 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 11,950,000
• Free Float: 10,217,000
• Market Cap: $331.61 million
• Optionable: N/A
• Beta: N/A