CoastalSouth Bancshares, Inc.

CoastalSouth Bancshares, Inc.

COSO
CoastalSouth Bancshares, Inc.US flagNew York Stock Exchange
25.76
USD
+0.28
- -
310.03MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.53
5.33
3.85
4.26
4.74
6.14
7.27
7.64
6.76
7.28
7.27
Basic EPS, GAAP
-0.01
-3.59
-0.03
0.36
0.8
1.51
2.09
2.61
2.15
2.24
2.26
Free Cash Flow per Basic Share
-1
8.3
0.57
-5.64
-1.34
8.43
9.35
3.92
-1.38
5.51
3.57
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.05
Book Value per Share
2.15
-10.26
-5.51
-4.01
-2.84
-1.19
1.02
3.16
5.12
7.09
7.32
Tangible Book Value per Share
2.23
17.36
10.21
11.88
12.01
14.41
12.85
15.94
18.52
22.77
22.21
Basic Weighted Avg Shares
8
3
6
7
8
8
9
9
10
11
12
Sales/Revenue/Turnover
20
18
23
31
38
50
63
72
69
81
84
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
2
2
2
3
3
3
3
Net Income, GAAP
1
-12
- -
3
6
12
18
24
22
25
26
Effective Tax Rate (%)
35.26
- -
- -
24.9
22.54
20.33
23.67
22.28
19.51
20.05
20.28
Profit Margin (%)
7.14
-67.37
-0.78
8.46
16.86
24.64
28.74
34.16
31.78
30.74
31.14
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
38
76
- -
10
146
35
123
65
30
30
- -
Total Equity
34
57
68
92
102
125
119
156
195
260
263
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
127.15
53.49
37.97
36.89

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
25
30
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
12
12
Market Capitalization
236
259
284

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
25
226
225
Accounts Receivable, Net
- -
10
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
21.4%
32.93%
Free Cash Flow
- -
-291.11%
-535.26%
Net Income, GAAP
- -
35.76%
13.64%
Sales/Revenue/Turnover
- -
17.17%
17.47%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13
18
20
17
69
2025
19
20
21
21
81
2026
22
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.24
0.57
0.77
- -
2.15
2025
0.49
0.58
0.56
0.6
2.24
2026
0.53
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
0.05
- -
- -
- -
- -

Company Description

APIChat
CEO
Stephen R. Stone
Full Time Employees
183
Sector
Financial Services
Industry
Banks - Regional
Address
5 Bow Circle Hilton Head Island SC United States of America 29928-7344
IPO Date
May 8, 2025
Business
CoastalSouth Bancshares, Inc. (NYSE: COSO) operates as a bank holding company for its wholly owned subsidiary, Coastal States Bank, a South Carolina state-chartered commercial bank that provides a full range of retail and commercial banking products and services to businesses, real estate professionals, consumers, and communities in the southeastern United States; core offerings include deposit products such as checking, savings, money market accounts, noninterest-bearing demand deposits, certificates of deposit, individual retirement accounts, and minor savings accounts, as well as commercial loans encompassing acquisition, development, and construction loans; income-producing and owner-occupied commercial real estate loans; senior housing loans; small business administration loans; commercial and industrial loans; and retail loans including marine vessel financing, residential mortgages, home equity loans, cash value life insurance lines of credit, and other consumer loans. The company additionally provides treasury management services; correspondent banking; home builder financing; warehouse lending; credit and debit cards; and digital banking solutions such as card management, e-statements, bill payment, telephone banking, alerts, transfers, and mobile deposits; its four specialty lines of business—Senior Housing Lending, Marine Lending, Government Guaranteed Lending, and Mortgage Banker Finance—offer national scalability and diversification beyond traditional community banking. CoastalSouth Bancshares maintains retail banking branches in the Lowcountry of South Carolina (Hilton Head Island, Bluffton, and Beaufort), Savannah, Georgia, Chatham County and Dawson County, Georgia, and the Atlanta, Georgia metro area, while serving customers nationwide through its specialty divisions; founded in 2003 and headquartered in Atlanta, Georgia. Recent developments include the completion of a $12 million private placement of common stock in January 2024 to support growth and regulatory capital maintenance; the launch and completion of its initial public offering of 2.6 million shares in June and July 2025, transitioning from OTCQX to NYSE listing; robust third-quarter 2025 loan originations exceeding $137 million; acquisition of loans held for investment (LHFI); and senior leadership enhancements with appointments such as Laura Fraser as Lowcountry Market President, Rhonda Thornton as Chief Retail and Experience Officer, Brian Smith as Coastal Regional President, and Jeremy Summerell as Savannah Market President.

Company News

APIChat
  • CoastalSouth Bancshares, Inc. Announces Stock Repurchase Plan

  • CoastalSouth Bancshares, Inc. Reports Earnings for First Quarter 2026

  • Head-To-Head Analysis: Isabella Bank (NASDAQ:ISBA) & CoastalSouth Bancshares (NYSE:COSO)

  • Coastal States Bank Donates $136,000 to Charities in Community Commitment Initiative

  • CoastalSouth Bancshares, Inc. Announces Quarterly Cash Dividend On Common Stock

  • CoastalSouth Bancshares, Inc. Reports Earnings for Fourth Quarter 2025

  • Coastal States Bank Expands into Charleston, Announces Local Commercial Banking Team

  • Coastal States Bank Celebrates Initial Public Offering and NYSE Listing of its Holding Company with Opening Bell Ceremony

  • CoastalSouth Bancshares, Inc.’s Lock-Up Period Will Expire on December 29th (NYSE:COSO)

  • Contrasting Triumph Financial (NYSE:TFIN) and CoastalSouth Bancshares (NYSE:COSO)

  • Origin Bancorp (NYSE:OBK) vs. CoastalSouth Bancshares (NYSE:COSO) Head to Head Contrast

  • CORRECTING and REPLACING LOGO CoastalSouth Bancshares, Inc. Reports Earnings for Third Quarter 2025

  • CoastalSouth Bancshares, Inc. Reports Earnings for Third Quarter 2025

  • Will Rivenbark Joins Coastal States Bank as Executive Vice President, Head of Commercial Real Estate Lending

  • David DeLucia Joins Coastal States Bank as Vice President, Business Banker

  • Carol Stone of Coastal States Bank Inducted into the Home Builders Association of Georgia Hall of Fame

  • Coastal States Bank Welcomes Ronye Cooper and SJ Lofton to its Retail Banking Team in Atlanta

  • Coastal States Bank Strengthens its Senior Leadership Team: Appoints Rhonda Thornton as Chief Retail and Experience Officer, Brian Smith as Coastal Regional President, and Jeremy Summerell as Savannah Market President

  • CoastalSouth Bancshares, Inc. Reports Earnings for Second Quarter 2025

  • CoastalSouth Bancshares, Inc. Announces Pricing of Initial Public Offering