Stocks · Financial Services · Banks - Regional
CoastalSouth Bancshares, Inc. COSO
$26.95 -0.11% Close, Oct 5, 2026 · NYSE · Market cap $324.7M
Low risk
Next earnings report: Oct 19, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 17.3% in a year.
- The shares trade at 12.1× trailing earnings, higher than 86% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 285 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 46%
- EPS growth (TTM, YoY)Bottom 27%
- Revenue growth, 3-year CAGRTop 28%
- Revenue growth accelerationTop 37%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 12%
- Gross marginBottom 38%
- Operating marginTop 41%
- Cash conversion (OCF / net income)Top 14%
- Accruals (lower is better)Top 29%
- Net debt / EBITDA (lower is better)Bottom 50%
- Interest coverBottom 35%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 34%
- Free-cash-flow yieldTop 14%
- EBITDA / enterprise valueTop 30%
- Sales / enterprise valueTop 37%
- P/E vs own 5-year history (lower is better)Bottom 18%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 26%
- 6-month returnTop 41%
- 1-year return vs S&P 500Top 24%
- Distance from 52-week highTop 26%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 19%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetBottom 37%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 24%
- Maximum drawdown, 3 yearsTop 20%
- Beta vs S&P 500 (lower is better)Top 19%
- Net debt / EBITDA (lower is better)Bottom 50%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.5% | 5.5% | ↑ |
| EPS growth (YoY) | -5.2% | -3.9% | ↑ |
| Gross margin | 56.2% | 60.6% | ↑ |
| Operating margin | 22.8% | 24.6% | ↑ |
| FCF margin | -12.3% | 48.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.5% | 4.5% | ↑ | Bottom 46% |
| EPS growth (TTM, YoY) | -3.9% | -5.2% | ↑ | Bottom 27% |
| Gross margin | 60.6% | 56.2% | ↑ | Bottom 38% |
| Operating margin | 24.6% | 22.8% | ↑ | Top 41% |
| Net margin | 19.6% | 18.5% | ↑ | — |
| Free-cash-flow margin | 48.7% | -12.3% | ↑ | — |
| Return on invested capital | -1.7% | — | Bottom 12% | |
| Revenue growth, 3-year CAGR | 21.1% | — | Top 28% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.51×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.38×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.19%
- Net buyback yield (TTM)
- 0.56%
- Shareholder yield
- 0.75%
- Share count change, 1 year
- +17.3%
- Share count change, 3-year CAGR
- +9.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 5
- Average EPS surprise, last 4
- -5.2%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $30.00
- Target vs current price
- +11.3%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +0.0% | -1.3% | +0.1% | +2.8% | — |
| Apr 20, 2026 | -8.9% | +0.2% | -2.2% | -3.0% | +3.5% |
| Jan 20, 2026 | -6.5% | -0.7% | -0.8% | +6.2% | +6.8% |
| Oct 20, 2025 | -5.3% | +0.2% | +0.0% | -0.0% | +11.0% |
| Jul 28, 2025 | +0.9% | -1.0% | -3.8% | +4.5% | +0.9% |
| May 13, 2025 | — | +0.0% | -4.1% | +0.5% | -0.8% |
| Mar 6, 2025 | — | +1.2% | -0.5% | +0.7% | -0.7% |
| Nov 8, 2024 | — | +0.0% | +0.0% | +5.2% | +4.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $0.59 | $0.59 | +0.0% | $22.9M |
| Apr 20, 2026 | $0.51 | $0.56 | -8.9% | $21.7M |
| Jan 20, 2026 | $0.58 | $0.62 | -6.5% | $22.2M |
| Oct 20, 2025 | $0.54 | $0.57 | -5.3% | $21.3M |
| Jul 28, 2025 | $0.57 | $0.57 | +0.9% | $19.9M |
| May 13, 2025 | $0.47 | — | — | $31.7M |
| Mar 6, 2025 | $0.54 | — | — | $32.5M |
| Nov 8, 2024 | $0.75 | — | — | $35.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.1× | 9.2× | 86th | Top 34% |
| P/E (forward) | 11.6× | — | — | — |
| EV / EBITDA | 10.2× | — | — | Top 30% |
| EV / Sales | 2.67× | — | — | Top 37% |
| Free-cash-flow yield | 21.07% | — | — | Top 14% |
| Earnings yield | 8.27% | — | — | Top 34% |
P/E over the past five years
Range 5.6× – 13.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +26.6%
- Earnings per share growth (TTM)
- -3.9%
- Change in P/E multiple
- +45.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 285
- 50-day average slope (20 days)
- +0.3%
- 200-day average slope (20 days)
- +1.7%
- Distance from 50-day average
- -1.2%
- Distance from 200-day average
- +4.8%
- RSI (14)
- 50.0
- Relative volume
- 1.12×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.5%
- Volatility vs own 5-year history
- 21th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.19
- Correlation with S&P 500
- 0.14
- Current drawdown from 1-year high
- -3.9%
- Maximum drawdown, 3 years
- -12.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 4, 2022 | Sep 29, 2022 | -43.4% | 144 days | 759 days (Dec 16, 2025) |
| May 12, 2021 | Nov 29, 2021 | -12.7% | 139 days | 61 days (Feb 25, 2022) |
| Nov 27, 2020 | Nov 30, 2020 | -12.0% | 1 days | 2 days (Dec 2, 2020) |
| Oct 5, 2020 | Oct 7, 2020 | -10.8% | 2 days | 26 days (Nov 12, 2020) |
| Dec 7, 2020 | Dec 10, 2020 | -10.5% | 3 days | 53 days (Mar 1, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $324.7M
- P/E (TTM)
- 12.1
- EPS, diluted (TTM)
- $2.23
- Revenue (TTM)
- $140.6M
- Dividend yield
- 0.56%
- 52-week range
- $20.80 – $28.56
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $56.8M | $76.4M | $114.4M | $129.7M | $135.8M |
| Gross profit | $50.7M | $61.7M | $72.0M | $70.8M | $78.8M |
| Operating income | $15.5M | $23.8M | $31.5M | $27.2M | $31.1M |
| Net income | $12.3M | $18.2M | $24.5M | $21.9M | $24.9M |
| EPS (diluted) | $1.48 | $2.05 | $2.58 | $2.09 | $2.16 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $35.5M | $32.5M | $31.7M | $33.6M | $35.0M | $35.3M | $34.5M | $35.8M |
| Net income | $7.9M | $5.7M | $5.0M | $6.0M | $6.7M | $7.1M | $6.3M | $7.3M |
| EPS (diluted) | $0.75 | $0.54 | $0.47 | $0.56 | $0.55 | $0.58 | $0.51 | $0.59 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $70.9M | $83.5M | $37.1M | -$12.7M | $63.1M |
| Capital expenditure | -$2.2M | -$2.2M | -$310,000 | -$1.4M | -$1.8M |
| Free cash flow | $68.7M | $81.4M | $36.8M | -$14.1M | $61.3M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $17,000 | $8.8M | $12.2M | $31.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $383.9M
- Total assets
- $2.42B
- Total liabilities
- $2.15B
- Total debt
- $75.0M
- Net debt
- $50.7M
- Shareholders’ equity
- $269.7M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 13, 2026 | $0.05 | Aug 27, 2026 |
| May 14, 2026 | $0.05 | May 28, 2026 |
| Feb 12, 2026 | $0.05 | Feb 26, 2026 |
Short interest
- Shares sold short
- 229,473
- Days to cover
- 1.83
- Change vs previous report
- +48.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 19, 2018
- 1-for-10
- Oct 23, 2017
- 1-for-10