COASTAL SOUTH BANCSHARES INC (COSO) Fundamental Analysis & Valuation

NYSE:COSO • US19058X2071

24.31 USD
+0.28 (+1.17%)
At close: Mar 10, 2026
24.31 USD
0 (0%)
After Hours: 3/10/2026, 8:15:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This COSO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to COSO. COSO was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of COSO while its profitability can be described as average. COSO is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

5

1. COSO Profitability Analysis

1.1 Basic Checks

  • In the past year COSO was profitable.
  • In the past 5 years COSO has always been profitable.
  • In multiple years COSO reported negative operating cash flow during the last 5 years.
COSO Yearly Net Income VS EBIT VS OCF VS FCFCOSO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.10%, COSO is in the better half of the industry, outperforming 66.14% of the companies in the same industry.
  • COSO has a better Return On Equity (9.94%) than 61.68% of its industry peers.
  • COSO's Return On Invested Capital of 3.02% is amongst the best of the industry. COSO outperforms 99.74% of its industry peers.
  • COSO had an Average Return On Invested Capital over the past 3 years of 3.04%. This is in line with the industry average of 2.74%.
Industry RankSector Rank
ROA 1.1%
ROE 9.94%
ROIC 3.02%
ROA(3y)1.11%
ROA(5y)1.02%
ROE(3y)12.17%
ROE(5y)12.33%
ROIC(3y)3.04%
ROIC(5y)2.34%
COSO Yearly ROA, ROE, ROICCOSO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • COSO's Profit Margin of 19.26% is on the low side compared to the rest of the industry. COSO is outperformed by 71.65% of its industry peers.
  • COSO's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 65.73%, COSO belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
  • COSO's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 65.73%
PM (TTM) 19.26%
GM N/A
OM growth 3Y11.7%
OM growth 5Y9.13%
PM growth 3Y-9.46%
PM growth 5Y4.43%
GM growth 3YN/A
GM growth 5YN/A
COSO Yearly Profit, Operating, Gross MarginsCOSO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. COSO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), COSO is destroying value.
  • Compared to 1 year ago, COSO has more shares outstanding
  • The number of shares outstanding for COSO has been increased compared to 5 years ago.
  • Compared to 1 year ago, COSO has an improved debt to assets ratio.
COSO Yearly Shares OutstandingCOSO Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
COSO Yearly Total Debt VS Total AssetsCOSO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • COSO has an Altman-Z score of -0.72. This is a bad value and indicates that COSO is not financially healthy and even has some risk of bankruptcy.
  • COSO has a better Altman-Z score (-0.72) than 98.43% of its industry peers.
  • COSO has a Debt/Equity ratio of 7.88. This is a high value indicating a heavy dependency on external financing.
  • COSO has a Debt to Equity ratio of 7.88. This is amonst the worse of the industry: COSO underperforms 97.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.88
Debt/FCF N/A
Altman-Z -0.72
ROIC/WACC0.69
WACC4.36%
COSO Yearly LT Debt VS Equity VS FCFCOSO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M

2.3 Liquidity

  • COSO has a Current Ratio of 0.01. This is a bad value and indicates that COSO is not financially healthy enough and could expect problems in meeting its short term obligations.
  • COSO's Current ratio of 0.01 is amongst the best of the industry. COSO outperforms 98.69% of its industry peers.
  • A Quick Ratio of 0.01 indicates that COSO may have some problems paying its short term obligations.
  • COSO has a Quick ratio of 0.01. This is amongst the best in the industry. COSO outperforms 98.69% of its industry peers.
Industry RankSector Rank
Current Ratio 0.01
Quick Ratio 0.01
COSO Yearly Current Assets VS Current LiabilitesCOSO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. COSO Growth Analysis

3.1 Past

  • COSO shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.28%.
  • COSO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.98% yearly.
  • Looking at the last year, COSO shows a small growth in Revenue. The Revenue has grown by 5.95% in the last year.
  • Measured over the past years, COSO shows a very strong growth in Revenue. The Revenue has been growing by 25.76% on average per year.
EPS 1Y (TTM)3.28%
EPS 3Y1.77%
EPS 5Y21.98%
EPS Q2Q%N/A
Revenue 1Y (TTM)5.95%
Revenue growth 3Y22.62%
Revenue growth 5Y25.76%
Sales Q2Q%N/A

3.2 Future

  • Based on estimates for the next years, COSO will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.15% on average per year.
  • COSO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.23% yearly.
EPS Next Y5.73%
EPS Next 2Y10.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.12%
Revenue Next 2Y11.23%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
COSO Yearly Revenue VS EstimatesCOSO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
COSO Yearly EPS VS EstimatesCOSO Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

3

4. COSO Valuation Analysis

4.1 Price/Earnings Ratio

  • COSO is valuated reasonably with a Price/Earnings ratio of 11.25.
  • The rest of the industry has a similar Price/Earnings ratio as COSO.
  • When comparing the Price/Earnings ratio of COSO to the average of the S&P500 Index (26.25), we can say COSO is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.34 indicates a reasonable valuation of COSO.
  • COSO's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 24.39. COSO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.25
Fwd PE 10.34
COSO Price Earnings VS Forward Price EarningsCOSO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
COSO Per share dataCOSO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates COSO does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.96
PEG (5Y)0.51
EPS Next 2Y10.15%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. COSO Dividend Analysis

5.1 Amount

  • COSO has a yearly dividend return of 0.81%, which is pretty low.
  • With a Dividend Yield of 0.81, COSO pays less dividend than the industry average, which is at 2.86. 85.30% of the companies listed in the same industry pay a better dividend than COSO!
  • With a Dividend Yield of 0.81, COSO pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.81%

5.2 History

  • COSO does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
COSO Yearly Dividends per shareCOSO Yearly Dividends per shareYearly Dividends per share 2026 0.01 0.02 0.03 0.04

5.3 Sustainability

DPN/A
EPS Next 2Y10.15%
EPS Next 3YN/A
COSO Yearly Income VS Free CF VS DividendCOSO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M 80M

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Find the best dividend stocksShow peers with best dividend

COSO Fundamentals: All Metrics, Ratios and Statistics

COASTAL SOUTH BANCSHARES INC

NYSE:COSO (3/10/2026, 8:15:40 PM)

After market: 24.31 0 (0%)

24.31

+0.28 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)05-11
Inst Owners48.19%
Inst Owner ChangeN/A
Ins Owners7.56%
Ins Owner Change0%
Market Cap291.23M
Revenue(TTM)129.26M
Net Income(TTM)24.89M
Analysts85
Price Target29.07 (19.58%)
Short Float %0.7%
Short Ratio0.75
Dividend
Industry RankSector Rank
Dividend Yield 0.81%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-Date02-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.75%
Min EPS beat(2)-7.28%
Max EPS beat(2)-0.21%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.88%
Min Revenue beat(2)-7.79%
Max Revenue beat(2)-1.96%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.64%
PT rev (3m)7.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.65%
EPS NY rev (3m)-0.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)0.52%
Valuation
Industry RankSector Rank
PE 11.25
Fwd PE 10.34
P/S 2.25
P/FCF N/A
P/OCF N/A
P/B 1.16
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)2.16
EY8.89%
EPS(NY)2.35
Fwd EY9.67%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS10.79
BVpS20.9
TBVpS20.39
PEG (NY)1.96
PEG (5Y)0.51
Graham Number31.87
Profitability
Industry RankSector Rank
ROA 1.1%
ROE 9.94%
ROCE 27.79%
ROIC 3.02%
ROICexc 3.05%
ROICexgc 3.17%
OM 65.73%
PM (TTM) 19.26%
GM N/A
FCFM N/A
ROA(3y)1.11%
ROA(5y)1.02%
ROE(3y)12.17%
ROE(5y)12.33%
ROIC(3y)3.04%
ROIC(5y)2.34%
ROICexc(3y)3.09%
ROICexc(5y)2.38%
ROICexgc(3y)3.2%
ROICexgc(5y)2.46%
ROCE(3y)28.82%
ROCE(5y)22.11%
ROICexgc growth 3Y27.49%
ROICexgc growth 5Y19.89%
ROICexc growth 3Y27.12%
ROICexc growth 5Y19.59%
OM growth 3Y11.7%
OM growth 5Y9.13%
PM growth 3Y-9.46%
PM growth 5Y4.43%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 7.88
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.01
Quick Ratio 0.01
Altman-Z -0.72
F-ScoreN/A
WACC4.36%
ROIC/WACC0.69
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.28%
EPS 3Y1.77%
EPS 5Y21.98%
EPS Q2Q%N/A
EPS Next Y5.73%
EPS Next 2Y10.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.95%
Revenue growth 3Y22.62%
Revenue growth 5Y25.76%
Sales Q2Q%N/A
Revenue Next Year12.12%
Revenue Next 2Y11.23%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-0.68%
EBIT growth 3Y36.97%
EBIT growth 5Y37.24%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

COASTAL SOUTH BANCSHARES INC / COSO FAQ

What is the fundamental rating for COSO stock?

ChartMill assigns a fundamental rating of 4 / 10 to COSO.


Can you provide the valuation status for COASTAL SOUTH BANCSHARES INC?

ChartMill assigns a valuation rating of 3 / 10 to COASTAL SOUTH BANCSHARES INC (COSO). This can be considered as Overvalued.


How profitable is COASTAL SOUTH BANCSHARES INC (COSO) stock?

COASTAL SOUTH BANCSHARES INC (COSO) has a profitability rating of 5 / 10.


What is the expected EPS growth for COASTAL SOUTH BANCSHARES INC (COSO) stock?

The Earnings per Share (EPS) of COASTAL SOUTH BANCSHARES INC (COSO) is expected to grow by 5.73% in the next year.