CoastalSouth Bancshares, Inc. Financial Ratios — COSO Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	127.15	53.49	37.97
Return on Assets (%)	- -	-2.5	-0.03	0.4	0.69	0.89	1.06	1.27	1.06	1.13
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.81	2.88	3.02	4.65	4.05	3.84	3.86	3.95	3.84	3.53
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.25	-32.06	-1.74	11.26	21.76	30.93	37.65	43.95	39.48	38.45
Profit Margin (%)	7.14	-67.37	-0.78	8.46	16.86	24.64	28.74	34.16	31.78	30.74
Net Income to Common Margin (%)	-0.22	-67.37	-0.78	8.46	16.86	24.64	28.74	34.16	31.78	30.74
Effective Tax Rate (%)	35.26	- -	- -	24.9	22.54	20.33	23.67	22.28	19.51	20.05
Dvd Payout Ratio (%)	-95.61	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	127.15	53.49	37.97

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	38	76	- -	10	146	45	141	89	42	30
ST Debt	- -	- -	- -	- -	- -	10	18	24	12	- -
LT Debt	38	76	- -	10	146	35	123	65	30	30
Total Debt/EBITDA	66.99	149.5	0.72	6.99	95.57	23.2	57.56	31.34	15.75	10.49
Net Debt/EBITDA	32.98	-42.26	-54.43	3.7	90.72	15.21	49.65	24.42	1.66	-4.04
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.13	-6.35	-5.68	-4.09	-1.97	-0.6	0.48	1.46	2.49	3.42
Long-Term Debt/Equity (%)	110.7	132.13	0.74	10.83	143.19	27.68	103.27	41.45	15.23	11.56
Long-Term Debt/Capital (%)	53	180.94	-1.53	-52.61	118.31	99.06	82.03	54.68	31.63	27.56
Long-Term Debt/Total Assets (%)	9.15	14.19	0.09	1.41	12.73	2.15	6.68	3.19	1.42	1.3
Total Debt/Equity (%)	110.7	132.13	0.74	10.83	143.19	35.69	118.42	56.83	21.37	11.56
Total Debt/Capital (%)	53	180.94	-1.53	-52.61	118.31	127.7	94.07	74.95	44.39	27.56
Total Debt/Total Assets (%)	9.15	14.19	0.09	1.41	12.73	2.77	7.66	4.37	1.99	1.3
Net Debt to Equity	54.5	-37.35	-56.09	5.73	135.92	23.4	102.15	44.26	2.26	-4.45
Net Debt/Capital (%)	35.7	38.72	53.42	-22.31	119.48	149.42	93.19	69.98	7.77	-17.14
EBITDA	1	1	1	1	2	2	2	3	3	3
EBITDA-CapEx	1	1	-5	-1	-1	- -	- -	3	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.13	-6.35	-5.68	-4.09	-1.97	-0.6	0.48	1.46	2.49	3.42
Long-Term Debt/Equity (%)	110.7	132.13	0.74	10.83	143.19	27.68	103.27	41.45	15.23	11.56
Long-Term Debt/Capital (%)	53	180.94	-1.53	-52.61	118.31	99.06	82.03	54.68	31.63	27.56
Long-Term Debt/Total Assets (%)	9.15	14.19	0.09	1.41	12.73	2.15	6.68	3.19	1.42	1.3
Total Debt/Equity (%)	110.7	132.13	0.74	10.83	143.19	35.69	118.42	56.83	21.37	11.56
Total Debt/Capital (%)	53	180.94	-1.53	-52.61	118.31	127.7	94.07	74.95	44.39	27.56
Total Debt/Total Assets (%)	9.15	14.19	0.09	1.41	12.73	2.77	7.66	4.37	1.99	1.3
CFO/Total Liabilities	-2.09	5.75	1.69	-6.15	-0.74	4.77	4.87	1.98	-0.67	3.08
CFO/CapEx	- -	- -	1.64	-12.99	-2.73	32.36	38.67	119.8	-8.96	34.5
Altman's Z-Score	-0.02	0.01	0.02	0.06	0.05	0.07	0.09	0.09	0.13	0.15

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	7.09	11.38	14.54	12.77	13.02	10.74	5.14	4.64	8.21
Days Sales Outstanding	- -	51.46	32.07	25.1	28.59	28.03	33.99	70.95	78.64	44.48
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	61	61	91	96	141	157	141	224	259
- Cash & Cash Equivalents	19	97	39	5	7	15	19	20	37	42
+ Preferred Equity and Hybrid Capital	16	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	38	76	- -	10	146	45	141	89	42	30
Enterprise Value	-6	-15	-37	35	115	-123	-88	-145	-107	62
Total Capital	71	42	-33	-19	123	35	150	118	94	109
Total Debt/Capital (%)	53	180.94	-1.53	-52.61	118.31	127.7	94.07	74.95	44.39	27.56
Total Debt / EV	-5.86	-4.95	-0.01	0.29	1.27	-0.36	-1.6	-0.61	-0.39	0.48
EV/Sales	- -	- -	- -	1.13	3.06	- -	- -	- -	- -	0.77
EV/EBITDA	- -	- -	- -	24.24	75.54	- -	- -	- -	- -	21.74
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.98
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.96
Diluted Market Cap	- -	61	61	91	97	144	159	143	230	268
Diluted Enterprise Value	35	40	23	96	235	173	281	212	234	256
EV per Share	- -	- -	- -	4.79	14.49	- -	- -	- -	- -	5.59
TTM Sales	20	18	23	31	38	50	63	72	69	81
TTM EBITDA	1	1	1	1	2	2	2	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-8	27	9	-38	-8	71	84	37	-13	63
TTM Free Cash Flow to Firm	-8	27	14	-35	-5	73	86	37	-11	65

Multiples (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	2.23	4.37	-2.6	-19.57	1.97	1.86	3.81	-20.41	4.12
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-6	-15	-37	35	115	-123	-88	-145	-107	62
Low Price	- -	18.5	9.2	10.11	9.02	11.1	14.15	14.3	15.25	19.24
EV/Sales	- -	- -	- -	1.13	3.06	- -	- -	- -	- -	0.77
EV/EBITDA	- -	- -	- -	24.24	75.54	- -	- -	- -	- -	21.74
Price/Earnings	- -	- -	- -	34.86	15.13	11.41	8.62	5.75	10.22	10.39
Price/Earnings Average	- -	-5.32	-570.48	34.35	13.44	10.71	8.13	5.96	8.61	9.53
Price/Earnings High	- -	-5.57	-615.57	38.89	16.26	12.23	11.97	6.9	10.24	11.42
Price/Earnings Low	- -	-5.15	-306.12	28.08	11.28	7.34	6.77	5.48	7.1	8.6
Price/Book Value	- -	-1.8	-1.84	-3.13	-4.26	-14.54	17.66	4.75	4.28	3.28
Price/Book Value Average	- -	-1.86	-3.11	-3.08	-3.79	-13.64	16.67	4.93	3.61	3.01
Price/Book Value High	- -	-1.95	-3.36	-3.49	-4.58	-15.58	24.53	5.7	4.29	3.61
Price/Book Value Low	- -	-1.8	-1.67	-2.52	-3.18	-9.35	13.89	4.53	2.98	2.71
Price/Tangible Book Value	- -	1.07	0.99	1.06	1.01	1.2	1.4	0.94	1.18	1.02
Price/Tangible Book Value Average	- -	1.1	1.68	1.04	0.89	1.12	1.32	0.98	1	0.94
Price/Tangible Book Value High	- -	1.15	1.81	1.18	1.08	1.28	1.94	1.13	1.19	1.12
Price/Tangible Book Value Low	- -	1.07	0.9	0.85	0.75	0.77	1.1	0.9	0.82	0.85
Price/Sales	- -	3.47	2.63	2.95	2.55	2.81	2.48	1.96	3.25	3.19
Price/Sales Average	- -	3.58	4.45	2.91	2.27	2.64	2.34	2.04	2.74	2.93
Price/Sales High	- -	3.75	4.81	3.29	2.74	3.01	3.44	2.36	3.25	3.51
Price/Sales Low	- -	3.47	2.39	2.38	1.9	1.81	1.95	1.87	2.26	2.64
Price/Cash Flow	- -	2.23	6.98	-2.4	-12.37	1.98	1.88	3.79	-17.66	4.1
Price/Cash Flow Average	- -	2.3	11.84	-2.36	-10.99	1.86	1.77	3.93	-14.89	3.76
Price/Cash Flow High	- -	2.41	12.78	-2.67	-13.29	2.13	2.61	4.55	-17.71	4.5
Price/Cash Flow Low	- -	2.23	6.35	-1.93	-9.22	1.28	1.47	3.61	-12.28	3.39
Price/Free Cash Flow Average	- -	2.3	7.42	-2.57	-17.38	1.85	1.75	3.95	-17.2	3.78
Price/Free Cash Flow High	- -	2.41	8	-2.91	-21.02	2.11	2.58	4.57	-20.47	4.53
Price/Free Cash Flow Low	- -	2.23	3.98	-2.1	-14.59	1.26	1.46	3.63	-14.19	3.41
EV/Sales Average	1.74	2.36	2.81	3.08	5.94	3.22	4.25	3	2.8	2.79
EV/Sales High	1.74	2.54	3.17	3.46	6.41	3.6	5.36	3.32	3.32	3.37
EV/Sales Low	1.74	2.25	0.75	2.55	5.57	2.39	3.86	2.84	2.32	2.5
EV/EBITDA Average	62.18	82.07	93.29	66.23	146.73	83.84	110.17	76	72.86	78.91
EV/EBITDA High	62.18	88.06	104.97	74.49	158.47	93.6	138.72	84.12	86.36	95.42
EV/EBITDA Low	62.18	78.28	24.84	54.82	137.73	62.25	100.07	71.85	60.37	70.83
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	18.5	10.11	12.55	12.1	17.26	18	15	21.94	23.25
High Price	- -	20	18.5	14	13	18.5	25	18	22	25.56
Enterprise Value Average	35	41	65	95	224	161	269	215	193	226
Enterprise Value High	35	44	73	107	242	180	339	238	229	273
Enterprise Value Low	35	40	17	78	210	120	245	203	160	203

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	8	- -	- -	8	8	9	9	10	10	12
Diluted Weighted Avg Shares	8	3	6	7	8	8	9	10	10	12
Basic Weighted Avg Shares	8	3	6	7	8	8	9	9	10	11
Revenue per Share	2.53	5.33	3.85	4.26	4.74	6.14	7.27	7.64	6.76	7.28
EBITDA per Share	0.07	0.15	0.12	0.2	0.19	0.24	0.28	0.3	0.26	0.26
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.01	-3.59	-0.03	0.36	0.8	1.51	2.09	2.61	2.15	2.24
Basic EPS from Cont Ops	0.38	-2.78	-0.03	0.36	0.8	1.51	2.09	2.61	2.15	2.24
Diluted EPS, GAAP	-0.01	-3.59	-0.03	0.36	0.8	1.48	2.05	2.58	2.09	2.16
Diluted EPS from Cont Ops	0.38	-2.77	-0.03	0.36	0.8	1.48	2.05	2.58	2.09	2.16
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-1	8.3	1.45	-5.24	-0.98	8.7	9.59	3.96	-1.24	5.67
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
Cash & Equivalents per Share	7.65	46.08	16.34	9.14	15.94	37.89	44.27	39.9	36.53	20.36
Book Value per Share	2.15	-10.26	-5.51	-4.01	-2.84	-1.19	1.02	3.16	5.12	7.09
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

CoastalSouth Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)