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COSO

NEUTRAL
$25.36 Live
CoastalSouth Bancshares, Inc. · NYSE
Target $29.5 (+16.3%)
$19.24 52W Range $26.36
Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026
Market cap
$303.95M
P/E
11.53
ROE
11.3%
Profit margin
31.9%
Debt/Equity
N/A
Dividend yield
0.79%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
COSO presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($32.95) and Intrinsic Value ($43.45), this discount is likely a reflection of poor earnings quality, evidenced by four consecutive quarterly misses. Strong top-line revenue growth is being offset by declining Q/Q EPS growth (-12.1%) and a bearish technical trend (10/100). Consequently, the valuation appeal is currently outweighed by fundamental instability.

Key Strengths

Significant undervaluation relative to Graham Number ($32.95) and Intrinsic Value ($43.45)
Strong top-line revenue growth (18.40% YoY and 22.19% Q/Q)
Low P/E ratio (11.53) and Forward P/E (9.59) compared to sector averages
Healthy profit margins (31.88% Profit Margin, 40.58% Operating Margin)
Very low dividend payout ratio (2.27%), suggesting high capacity for future dividend increases

Key Risks

Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Poor earnings track record with 0/4 beats in the last four quarters
Negative most recent Q/Q EPS growth (-12.1%)
Strongly bearish technical trend (10/100)
Low analyst coverage (only 2 analysts), reducing the reliability of the 'strong_buy' consensus
AI Fair Value Estimate
Based on comprehensive analysis
$30.5
+20.3% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
46
Moderate
Value
85
Future
50
Past
45
Health
20
Dividend
30
AI Verdict
Value Trap Warning
Key drivers: Deep valuation discount, Severe fundamental health decline (F-Score), Consistent earnings misses
Confidence
85%
Value
85/100

Ref P/E 11.53, Graham Number $32.95

Positives
  • Price $25.36 is well below Graham Number $32.95
  • P/B ratio of 1.16 is reasonable for regional banks
Watchpoints
  • Low valuation may be justified by poor health metrics
Future
50/100

Ref Revenue Growth 18.4% vs EPS Growth -12.1% Q/Q

Positives
  • Strong revenue growth trajectory
Watchpoints
  • Earnings growth lagging revenue growth
  • Recent Q/Q EPS contraction
Past
45/100

Ref 0/4 Earnings Beats

Positives
  • Positive 1Y and 5Y price performance
Watchpoints
  • Consistent failure to meet earnings estimates over 5 quarters
Health
20/100

Ref Piotroski F-Score 2/9

Positives
  • Positive ROE (11.26%)
Watchpoints
  • Piotroski F-Score of 2/9 indicates weak financial health
Dividend
30/100

Ref Yield 0.79%, Payout 2.27%

Positives
  • Extremely low payout ratio
Watchpoints
  • Very low dividend yield (0.79%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.36
Analyst Target
$29.5
Upside/Downside
+16.3%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for COSO and closest competitors.

Updated 2026-04-24
COS
CoastalSouth Bancshares, Inc.
Primary
5Y
+21.6%
3Y
+21.6%
1Y
+21.6%
6M
+18.4%
1M
+4.9%
1W
-2.2%
BGH
Barings Global Short Duration High Yield Fund
Peer
5Y
+61.9%
3Y
+53.0%
1Y
+5.4%
6M
+2.6%
1M
-0.2%
1W
+0.0%
AVB
Avidbank Holdings, Inc.
Peer
5Y
+48.3%
3Y
+35.2%
1Y
+34.9%
6M
+20.4%
1M
+1.4%
1W
+4.1%
DEF
DeFi Technologies Inc.
Peer
5Y
-55.2%
3Y
-55.2%
1Y
-58.6%
6M
-65.9%
1M
+12.1%
1W
+37.6%
CAF
Morgan Stanley China A Share Fund, Inc.
Peer
5Y
-9.8%
3Y
+43.3%
1Y
+46.4%
6M
+12.9%
1M
+7.7%
1W
+1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
11.53
Forward P/E
9.59
PEG Ratio
N/A
P/B Ratio
1.16
P/S Ratio
3.7
EV/Revenue
2.94
EV/EBITDA
N/A
Market Cap
$303.95M

Profitability

Profit margins and return metrics

Profit Margin 31.88%
Operating Margin 40.58%
Gross Margin N/A
ROE 11.26%
ROA 1.15%

Growth

Revenue and earnings growth rates

Revenue Growth +18.4%
Earnings Growth +8.5%
Q/Q Revenue Growth +22.19%
Q/Q Earnings Growth +25.3%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$5.22

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-20
$N/A
2026-04-20
$0.51
-6.4% surprise
2026-01-20
$0.58
-2.5% surprise
2025-10-20
$0.54
-5.3% surprise

Financial Services Sector Comparison

Comparing COSO against 653 companies in the Financial Services sector (117 bullish, 269 neutral, 267 bearish)
P/E Ratio
11.53
This Stock
vs
38.75
Sector Avg
-70.3% (Discount)
Return on Equity (ROE)
11.26%
This Stock
vs
-0.94%
Sector Avg
-1302.0% (Below Avg)
Profit Margin
31.88%
This Stock
vs
58.65%
Sector Avg
-45.6% (Weaker)
Revenue Growth
18.4%
This Stock
vs
42.21%
Sector Avg
-56.4% (Slower)

Similar Companies

Peer comparison within the same industry

COSO CoastalSouth...
NEUTRAL
Mkt Cap
$304M
P/E
11.5
ROE
11.3%
Price
$25.36
BGH Barings Global...
BEARISH
Mkt Cap
$303M
P/E
9.4
ROE
-%
Price
$15.08
 Compare with COSO
AVBH Avidbank Holdings, Inc.
BEARISH
Mkt Cap
$302M
P/E
12.1
ROE
-8.7%
Price
$27.58
 Compare with COSO
DEFT DeFi Technologies Inc.
BULLISH
Mkt Cap
$307M
P/E
4.5
ROE
75.0%
Price
$0.76
 Compare with COSO
CAF Morgan Stanley...
BEARISH
Mkt Cap
$310M
P/E
4.4
ROE
-%
Price
$18.43
 Compare with COSO

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

STONE STEPHEN
Chief Executive Officer
Buy
2026-03-09
200 shares · $4,830
HIGH MICHAEL B. CPA
Director
Buy
2026-02-10
1,500 shares · $37,710
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-04-24
8-K
8-K
2026-04-20

COSO filed an 8-K on April 20, 2026, likely to announce its first-quarter financial results.

DEF 14A
DEF 14A
2026-03-13

COSO filed a definitive proxy statement on March 13, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K
10-K
2026-03-12

COSO filed its annual 10-K report on March 12, 2026. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K
8-K
2026-03-04
8-K
8-K
2026-01-20
8-K
8-K
2025-11-19
10-Q
10-Q
2025-11-07

COSO submitted its quarterly 10-Q filing on November 7, 2025. While the document includes a section for risk factors under Item 1A, no specific financial highlights or detailed risk disclosures were provided in the available excerpt.

8-K
8-K
2025-10-21

COSO filed an 8-K on October 21, 2025, likely to report its third-quarter financial results.

8-K
8-K
2025-09-16
10-Q
10-Q
2025-08-11
8-K
8-K
2025-07-28
S-1/A
S-1/A
2025-06-24
S-1
S-1
2025-06-06
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
2 analysts
Piper Sandler
2026-02-05
Maintains
Overweight Overweight

Past News Coverage

Recent headlines mentioning COSO from our newsroom.

Newest → oldest
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