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
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	-31.57	-0.29	3.25	6.56	10.86	14.93	17.81	12.47	10.95
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 (%)	- -	-31.57	-0.29	3.25	6.56	10.86	14.93	17.81	12.47	10.95

Credit (USD)

Credit Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	4.28	10.74	11.61	13.03	8.89	7.75	6.47	7.69	9.3	11.25
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 (%)	52.54	56.92	0.73	9.78	58.88	20.4	47.28	26.43	12.55	10.36
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 (%)	52.54	56.92	0.73	9.78	58.88	26.3	54.22	36.23	17.61	10.36
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 (%)	35.28	-59.62	-127.72	5.42	57.61	18.97	50.53	30.68	2.21	-4.65
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)

Liquidity Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.28	10.74	11.61	13.03	8.89	7.75	6.47	7.69	9.3	11.25
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 (%)	52.54	56.92	0.73	9.78	58.88	20.4	47.28	26.43	12.55	10.36
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 (%)	52.54	56.92	0.73	9.78	58.88	26.3	54.22	36.23	17.61	10.36
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	-0.07	-0.06	0.07	0.05	0.08	0.09	0.1	0.13	0.16

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	100	97	149	161	143	225	279
- 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	-76	-98	44	116	-115	-83	-143	-106	82
Total Capital	72	133	68	102	248	170	259	245	237	290
Total Debt/Capital (%)	52.54	56.92	0.73	9.78	58.88	26.3	54.22	36.23	17.61	10.36
Total Debt / EV	-5.86	-0.99	-0.01	0.23	1.26	-0.39	-1.68	-0.62	-0.4	0.37
EV/Sales	- -	- -	- -	1.42	3.07	- -	- -	- -	- -	1.01
EV/EBITDA	- -	- -	- -	30.6	75.77	- -	- -	- -	- -	28.7
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.3
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.26
Diluted Market Cap	- -	61	61	91	97	144	159	143	230	279
Diluted Enterprise Value	35	40	23	96	235	173	281	212	234	267
EV per Share	- -	- -	- -	5.5	14.48	- -	- -	- -	- -	6.85
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)

Valuation Multiples API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	2.23	4.37	-2.6	-19.57	1.97	1.86	3.81	-20.41	4.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-6	-76	-98	44	116	-115	-83	-143	-106	82
Low Price	- -	18.5	9.2	10.11	9.02	11.1	14.15	14.3	15.25	19.24
EV/Sales	- -	- -	- -	1.42	3.07	- -	- -	- -	- -	1.01
EV/EBITDA	- -	- -	- -	30.6	75.77	- -	- -	- -	- -	28.7
Price/Earnings	- -	- -	- -	34.86	15.13	11.41	8.62	5.75	10.22	11.19
Price/Earnings Average	- -	-5.32	-570.48	34.35	13.44	10.71	8.13	5.96	8.61	10.26
Price/Earnings High	- -	-5.57	-615.57	38.89	16.26	12.23	11.97	6.9	10.24	12.3
Price/Earnings Low	- -	-5.15	-306.12	28.08	11.28	7.34	6.77	5.48	7.1	9.26
Price/Book Value	- -	- -	- -	1.08	0.95	1.19	1.36	0.92	1.15	1.07
Price/Book Value Average	- -	- -	- -	1.07	0.84	1.12	1.28	0.95	0.97	0.98
Price/Book Value High	- -	- -	- -	1.21	1.02	1.27	1.89	1.1	1.16	1.18
Price/Book Value Low	- -	- -	- -	0.87	0.71	0.76	1.07	0.87	0.8	0.89
Price/Tangible Book Value	- -	- -	- -	1.16	1.01	1.27	1.44	0.96	1.19	1.1
Price/Tangible Book Value Average	- -	- -	- -	1.15	0.9	1.19	1.36	0.99	1.01	1.01
Price/Tangible Book Value High	- -	- -	- -	1.3	1.09	1.36	2	1.15	1.2	1.21
Price/Tangible Book Value Low	- -	- -	- -	0.94	0.75	0.81	1.13	0.91	0.83	0.91
Price/Sales	- -	3.47	2.63	2.95	2.55	2.81	2.48	1.96	3.25	3.44
Price/Sales Average	- -	3.58	4.45	2.91	2.27	2.64	2.34	2.04	2.74	3.15
Price/Sales High	- -	3.75	4.81	3.29	2.74	3.01	3.44	2.36	3.25	3.78
Price/Sales Low	- -	3.47	2.39	2.38	1.9	1.81	1.95	1.87	2.26	2.85
Price/Cash Flow	- -	2.23	6.98	-2.4	-12.37	1.98	1.88	3.79	-17.66	4.41
Price/Cash Flow Average	- -	2.3	11.84	-2.36	-10.99	1.86	1.77	3.93	-14.89	4.05
Price/Cash Flow High	- -	2.41	12.78	-2.67	-13.29	2.13	2.61	4.55	-17.71	4.85
Price/Cash Flow Low	- -	2.23	6.35	-1.93	-9.22	1.28	1.47	3.61	-12.28	3.65
Price/Free Cash Flow Average	- -	2.3	7.42	-2.57	-17.38	1.85	1.75	3.95	-17.2	3.93
Price/Free Cash Flow High	- -	2.41	8	-2.91	-21.02	2.11	2.58	4.57	-20.47	4.71
Price/Free Cash Flow Low	- -	2.23	3.98	-2.1	-14.59	1.26	1.46	3.63	-14.19	3.55
EV/Sales Average	1.74	2.36	2.81	3.37	5.94	3.37	4.32	3.03	2.82	3.01
EV/Sales High	1.74	2.54	3.17	3.79	6.42	3.77	5.46	3.36	3.34	3.64
EV/Sales Low	1.74	2.25	0.75	2.79	5.58	2.5	3.92	2.87	2.34	2.7
EV/EBITDA Average	62.18	-42.26	-54.43	72.5	146.94	87.73	111.92	76.86	73.36	85.29
EV/EBITDA High	62.18	-42.26	-54.43	81.59	158.73	98.04	141.3	85.11	86.96	103.07
EV/EBITDA Low	62.18	-42.26	-54.43	59.95	137.91	64.91	101.53	72.64	60.79	76.59
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	-21	-38	104	225	169	274	217	194	244
Enterprise Value High	35	-21	-38	117	243	188	345	241	230	295
Enterprise Value Low	35	-21	-38	86	211	125	248	205	161	219

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	12
Revenue per Share	2.53	5.33	3.85	4.26	4.74	6.14	7.27	7.64	6.76	6.76
EBITDA per Share	0.07	0.15	0.12	0.2	0.19	0.24	0.28	0.3	0.26	0.24
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	2.08
Basic EPS from Cont Ops	0.38	-2.78	-0.03	0.36	0.8	1.51	2.09	2.61	2.15	2.08
Diluted EPS, GAAP	-0.01	-3.59	-0.03	0.36	0.8	1.48	2.05	2.58	2.09	2.08
Diluted EPS from Cont Ops	0.38	-2.77	-0.03	0.36	0.8	1.48	2.05	2.58	2.09	2.08
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-1	8.3	1.45	-5.24	-0.98	8.7	9.59	3.96	-1.24	5.27
Free Cash Flow per Basic Share	-1	8.3	0.57	-5.64	-1.34	8.43	9.35	3.92	-1.38	5.12
Cash & Equivalents per Share	7.65	- -	- -	8.31	15.88	35.86	43.02	39.25	36.28	18.91
Book Value per Share	2.23	- -	- -	11.6	12.76	14.52	13.26	16.36	19.01	21.66
Tangible Book Value per Share	2.23	- -	- -	10.79	11.97	13.64	12.49	15.68	18.39	21.14

CoastalSouth Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)