CoastalSouth Bancshares, Inc. (COSO) 10-Year Financial Performance & Capital Metrics

COSO • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

AboutCoastalSouth Bancshares, Inc. operates as the bank holding company of CoastalStates Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, such as checking, savings and money market, certificates of deposit, and individual retirement accounts. Its loan products include residential mortgage, home equity loans, cash value line of credit, commercial and government guaranteed lending, and mortgage banker finance, as well as debit and credit cards. The company also offers customized and private banking, treasury management, and digital and telephone banking services. It operates retail banking branches in Hilton Head Island/Bluffton, South Carolina; Savannah, Georgia; and north metro Atlanta, Georgia. The company was incorporated in 2003 and is headquartered in Hilton Head Island, South Carolina.Show more

Net Interest Income $0 -100.0%
Total Revenue $69M -39.4%
Net Income $22M -10.5%
Return on Equity 12.47% -30.0%
Net Interest Margin 0% -100.0%
Efficiency Ratio 52.22% +47.6%
ROA 1.06% -16.2%
Equity / Assets 9.3% +20.9%
Book Value per Share 18.65 +13.6%
Tangible BV/Share 18.04 +14.6%
Debt/Equity 0.08 -86.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 53.1%
✓Efficient operations: 52.2% efficiency ratio
✓Good 3Y average ROE of 15.1%
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Shares diluted 10.2% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y13.95%

3Y8.16%

TTM-

Profit (Net Income) CAGR

10Y-

5Y53.11%

3Y21.14%

TTM0.44%

EPS CAGR

10Y-

5Y42.16%

3Y12.19%

TTM-7.86%

ROCE

10Y Avg1.86%

5Y Avg3.31%

3Y Avg3.46%

Latest5.94%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.55B	31.77	20.37	18.79%	30.24%	14.14%	6.44%	0.12
FHNFirst Horizon Corporation	11.86B	24.09	17.71	4.71%	15.7%	9.58%	10.32%	0.50
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
AUBAtlantic Union Bankshares Corporation	5.22B	36.65	16.36	28.8%	15.53%	4.22%	5.76%	0.17
PNFPPinnacle Financial Partners, Inc.	14.31B	95.25	15.98	15.32%	16.65%	9.1%	5.64%	0.39
UCBUnited Community Banks, Inc.	3.95B	32.48	15.92	14.65%	17.05%	8.83%	7.67%	0.13
CADECadence Bank	8.05B	43.22	15.60	32.37%	18.03%	9.08%	9.64%	0.01
CFRCullen/Frost Bankers, Inc.	8.63B	134.94	15.21	7.69%	20.44%	14.28%	9.99%	1.18

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	14.85M	15.79M	19.8M	24.98M	31.91M	41.24M	56.96M	64.29M	0
NII Growth %	-	-	0.06%	0.25%	0.26%	0.28%	0.29%	0.38%	0.13%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	17.09M	17.51M	22.12M	30.26M	37.68M	46M	66.58M	107.02M	0
Interest Expense	0	2.24M	1.72M	2.32M	5.28M	5.77M	4.75M	9.62M	42.72M	0
Loan Loss Provision	0	775K	4.45M	1.69M	1.87M	3.24M	1.25M	2.38M	-305K	0
Non-Interest Income+	28.09M	5.29M	1.74M	3.38M	5.8M	5.86M	8.75M	6.34M	7.37M	69.28M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	28.09M	22.38M	19.25M	25.5M	36.06M	43.54M	54.75M	72.92M	114.38M	69.28M
Revenue Growth %	-	-0.2%	-0.14%	0.32%	0.41%	0.21%	0.26%	0.33%	0.57%	-0.39%
Non-Interest Expense	7.34M	14.68M	18.7M	21.89M	25.44M	26.32M	33.28M	37.09M	40.47M	36.18M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	2.61M	4.68M	-5.62M	-404K	3.47M	8.22M	15.47M	23.83M	31.5M	33.1M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.79%	-2.2%	0.93%	9.58%	1.37%	0.88%	0.54%	0.32%	0.05%
Pretax Income+	2.05M	4.68M	-5.62M	-404K	3.47M	8.22M	15.47M	23.83M	31.5M	27.21M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	663.47K	1.65M	3.51M	-223K	863K	1.85M	3.14M	5.64M	7.02M	5.31M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.39M	1.44M	-11.81M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.04%	-9.21%	0.98%	15.38%	1.45%	0.93%	0.48%	0.35%	-0.11%
Net Income (Continuing)	1.39M	3.03M	-9.13M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M
EPS (Diluted)+	1.45	-0.01	-3.59	-0.03	0.36	0.80	1.48	2.05	2.58	2.09
EPS Growth %	-	-1%	-	0.99%	13.08%	1.22%	0.85%	0.39%	0.26%	-0.19%
EPS (Basic)	1.45	-0.01	-3.59	-0.03	0.36	0.80	1.51	2.09	2.61	2.15
Diluted Shares Outstanding	954.3K	7.95M	3.29M	6.07M	7.26M	7.99M	8.32M	8.85M	9.5M	10.47M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	15.69M	19.21M	96.84M	38.54M	4.71M	7.42M	15.35M	19.32M	19.6M	67.96M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Total Investments+	38.29M	346.15M	356.71M	467.11M	608.13M	930.17M	587.98M	737.64M	1.86B	0
Investments Growth %	-	8.04%	0.03%	0.31%	0.3%	0.53%	-0.37%	0.25%	1.52%	-1%
Long-Term Investments	38.29M	304.55M	301.93M	407.24M	546.75M	810.61M	294.75M	371.52M	1.5B	0
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	4.71M	4.71M	4.71M	4.71M	4.71M	4.71M	4.71M
Intangible Assets	468.75K	0	0	1.61M	1.72M	1.61M	2.86M	2.16M	1.75M	1.68M
PP&E (Net)	1.57M	1.66M	1.17M	12.05M	14.87M	18.51M	20.63M	23.35M	21.6M	21.83M
Other Assets	329.58M	30.35M	64.45M	44.86M	60.53M	170.29M	-16.14M	-21.8M	77.93M	2B
Total Current Assets	28.58M	65.48M	154.4M	101.49M	69.13M	131.68M	312.5M	392.92M	398.94M	67.96M
Total Non-Current Assets	383.13M	348.04M	377.57M	482.62M	639.36M	1.02B	322.94M	401.73M	1.63B	2.03B
Total Assets+	411.71M	413.52M	531.97M	584.11M	708.49M	1.15B	1.61B	1.84B	2.03B	2.1B
Asset Growth %	-	0%	0.29%	0.1%	0.21%	0.62%	0.4%	0.14%	0.11%	0.03%
Return on Assets (ROA)	0%	0%	-0.02%	-0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	52.85M	37.85M	105.68M	500K	10M	146.04M	44.59M	140.68M	88.67M	14.73M
Net Debt	37.16M	18.64M	8.84M	-38.04M	5.29M	138.62M	29.24M	121.35M	69.07M	-53.23M
Long-Term Debt	37.85M	37.85M	75.5M	500K	10M	146.04M	34.59M	122.68M	64.68M	14.73M
Short-Term Debt	15M	0	30.18M	0	0	0	10M	18M	23.99M	0
Other Liabilities	176.53M	1.58M	1.95M	2.45M	5.1M	7.96M	-34.59M	0	33.23M	1.89B
Total Current Liabilities	161.79M	339.89M	397.38M	513.33M	601.09M	891.55M	10M	18M	1.77B	1.24B
Total Non-Current Liabilities	215.8M	39.44M	77.45M	2.95M	15.1M	153.99M	34.59M	122.68M	97.91M	1.9B
Total Liabilities	377.59M	379.32M	474.83M	516.28M	616.2M	1.05B	1.49B	1.72B	1.87B	1.9B
Total Equity+	32.85M	34.19M	57.14M	67.83M	92.29M	101.99M	124.93M	118.8M	156.04M	195.23M
Equity Growth %	-	0.04%	0.67%	0.19%	0.36%	0.11%	0.22%	-0.05%	0.31%	0.25%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.04%	0.04%	-0.26%	-0%	0.03%	0.07%	0.11%	0.15%	0.18%	0.12%
Book Value per Share	34.42	4.30	17.36	11.18	12.72	12.77	15.01	13.42	16.42	18.65
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	36.63M	36.63M	5.7M	6.4M	7.96M	7.99M	8.61M	8.96M	9.54M	10.27M
Additional Paid-in Capital	1.12M	1.14M	90.74M	101.59M	120.76M	121.76M	131.79M	136.6M	145.94M	158.75M
Retained Earnings	-21M	-19.56M	-39.48M	-39.57M	-36.97M	-30.6M	-18.28M	-86K	20.09M	41.99M
Accumulated OCI	-392.03K	-508K	170K	-590K	547K	2.84M	2.81M	-26.68M	-19.53M	-15.79M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	16.5M	16.5M	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.82M	-7.92M	27.31M	8.72M	-37.88M	-20.36M	70.88M	83.54M	37.14M	-12.67M
Operating CF Growth %	-	-3.81%	4.45%	-0.68%	-5.34%	0.46%	4.48%	0.18%	-0.56%	-1.34%
Net Income	1.39M	1.44M	-11.81M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M
Depreciation & Amortization	526.58K	565K	505K	699K	1.43M	1.53M	1.92M	2.44M	2.83M	2.7M
Deferred Taxes	0	384K	-2.02M	-181K	786K	61K	-609K	1.54M	-259K	0
Other Non-Cash Items	877.22K	1.86M	7.99M	3.58M	3.88M	4.07M	57.84M	60.61M	10.16M	-39.51M
Working Capital Changes	1.08M	-12.18M	32.5M	4.22M	-47.48M	-33.42M	-1.78M	-183K	-1.16M	940K
Cash from Investing+	-21.23M	24.91M	-45.22M	-33.35M	-97.62M	-298.39M	-226.3M	-502.9M	-176.35M	-17.31M
Purchase of Investments	-33.21M	-19.16M	-20.96M	-27.79M	-14.23M	-83.03M	-177.36M	-144.33M	-22.63M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	1.92M	18.67M	-88.77M	-227.72M	80.91M	-379.22M	0	0
Other Investing	-6.56M	24.08M	-24.26M	-35.73M	213K	-4.21M	-145.01M	1.03M	-192.85M	-15.9M
Cash from Financing+	18.17M	1.94M	129.1M	-53.48M	117.08M	426.48M	222.78M	223.97M	158.8M	49.39M
Dividends Paid	0	0	-24.51M	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0	0
Stock Issued	675.83K	23K	39.98M	0	19.31M	0	0	17K	8.84M	12.24M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	24.15M	16.91M	58.83M	21.52M	87.77M	290.46M	324.27M	127.9M	202.01M	84.14M
Net Change in Cash+	-235.09K	18.92M	111.19M	-78.1M	-18.42M	107.73M	67.36M	-195.4M	19.59M	19.41M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	15.92M	15.69M	34.61M	145.8M	67.7M	49.27M	157M	224.36M	28.96M	48.55M
Cash at End	15.69M	34.61M	145.8M	67.7M	49.27M	157M	224.36M	28.96M	48.55M	67.96M
Interest Paid	0	2.24M	0	1.99M	0	5.73M	5.5M	8.05M	36.33M	60.6M
Income Taxes Paid	0	775K	0	32K	0	1.46M	4.42M	3.41M	5.29M	0
Free Cash Flow+	2.53M	-10.46M	22.31M	3.41M	-40.8M	-23.21M	68.69M	81.38M	36.83M	-14.08M
FCF Growth %	-	-5.14%	3.13%	-0.85%	-12.96%	0.43%	3.96%	0.18%	-0.55%	-1.38%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.22%	4.29%	-25.87%	-0.29%	3.25%	6.56%	10.86%	14.93%	17.81%	12.47%
Return on Assets (ROA)	0.34%	0.35%	-2.5%	-0.03%	0.4%	0.69%	0.89%	1.06%	1.27%	1.06%
Net Interest Margin	0%	3.59%	2.97%	3.39%	3.53%	2.78%	2.56%	3.1%	3.17%	0%
Efficiency Ratio	26.14%	65.6%	97.16%	85.85%	70.56%	60.44%	60.78%	50.86%	35.38%	52.22%
Equity / Assets	7.98%	8.27%	10.74%	11.61%	13.03%	8.89%	7.75%	6.47%	7.69%	9.3%
Book Value / Share	34.42	4.3	17.36	11.18	12.72	12.77	15.01	13.42	16.42	18.65
NII Growth	-	-	6.37%	25.38%	26.15%	27.75%	29.25%	38.1%	12.87%	-100%

Frequently Asked Questions

Valuation & Price

CoastalSouth Bancshares, Inc. (COSO) has a price-to-earnings (P/E) ratio of 11.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

CoastalSouth Bancshares, Inc. (COSO) saw revenue decline by 39.4% over the past year.

Yes, CoastalSouth Bancshares, Inc. (COSO) is profitable, generating $23.5M in net income for fiscal year 2024 (31.6% net margin).

Dividend & Returns

CoastalSouth Bancshares, Inc. (COSO) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.

Industry Metrics

CoastalSouth Bancshares, Inc. (COSO) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

CoastalSouth Bancshares, Inc. (COSO) has an efficiency ratio of 52.2%. This is excellent, indicating strong cost control.

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CoastalSouth Bancshares, Inc. (COSO) 10-Year Financial Performance & Capital Metrics

COSO • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

Net Interest Income $0 -100.0%
Total Revenue $69M -39.4%
Net Income $22M -10.5%
Return on Equity 12.47% -30.0%
Net Interest Margin 0% -100.0%
Efficiency Ratio 52.22% +47.6%
ROA 1.06% -16.2%
Equity / Assets 9.3% +20.9%
Book Value per Share 18.65 +13.6%
Tangible BV/Share 18.04 +14.6%
Debt/Equity 0.08 -86.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Strong 5Y profit CAGR of 53.1%
✓Efficient operations: 52.2% efficiency ratio
✓Good 3Y average ROE of 15.1%
✓Diversified revenue: 100.0% from non-interest income
✓Trading at only 1.3x book value

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Shares diluted 10.2% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y13.95%

3Y8.16%

TTM-

Profit (Net Income) CAGR

10Y-

5Y53.11%

3Y21.14%

TTM0.44%

EPS CAGR

10Y-

5Y42.16%

3Y12.19%

TTM-7.86%

ROCE

10Y Avg1.86%

5Y Avg3.31%

3Y Avg3.46%

Latest5.94%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.55B	31.77	20.37	18.79%	30.24%	14.14%	6.44%	0.12
FHNFirst Horizon Corporation	11.86B	24.09	17.71	4.71%	15.7%	9.58%	10.32%	0.50
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
AUBAtlantic Union Bankshares Corporation	5.22B	36.65	16.36	28.8%	15.53%	4.22%	5.76%	0.17
PNFPPinnacle Financial Partners, Inc.	14.31B	95.25	15.98	15.32%	16.65%	9.1%	5.64%	0.39
UCBUnited Community Banks, Inc.	3.95B	32.48	15.92	14.65%	17.05%	8.83%	7.67%	0.13
CADECadence Bank	8.05B	43.22	15.60	32.37%	18.03%	9.08%	9.64%	0.01
CFRCullen/Frost Bankers, Inc.	8.63B	134.94	15.21	7.69%	20.44%	14.28%	9.99%	1.18

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	14.85M	15.79M	19.8M	24.98M	31.91M	41.24M	56.96M	64.29M	0
NII Growth %	-	-	0.06%	0.25%	0.26%	0.28%	0.29%	0.38%	0.13%	-1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	17.09M	17.51M	22.12M	30.26M	37.68M	46M	66.58M	107.02M	0
Interest Expense	0	2.24M	1.72M	2.32M	5.28M	5.77M	4.75M	9.62M	42.72M	0
Loan Loss Provision	0	775K	4.45M	1.69M	1.87M	3.24M	1.25M	2.38M	-305K	0
Non-Interest Income+	28.09M	5.29M	1.74M	3.38M	5.8M	5.86M	8.75M	6.34M	7.37M	69.28M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	28.09M	22.38M	19.25M	25.5M	36.06M	43.54M	54.75M	72.92M	114.38M	69.28M
Revenue Growth %	-	-0.2%	-0.14%	0.32%	0.41%	0.21%	0.26%	0.33%	0.57%	-0.39%
Non-Interest Expense	7.34M	14.68M	18.7M	21.89M	25.44M	26.32M	33.28M	37.09M	40.47M	36.18M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	2.61M	4.68M	-5.62M	-404K	3.47M	8.22M	15.47M	23.83M	31.5M	33.1M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.79%	-2.2%	0.93%	9.58%	1.37%	0.88%	0.54%	0.32%	0.05%
Pretax Income+	2.05M	4.68M	-5.62M	-404K	3.47M	8.22M	15.47M	23.83M	31.5M	27.21M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	663.47K	1.65M	3.51M	-223K	863K	1.85M	3.14M	5.64M	7.02M	5.31M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.39M	1.44M	-11.81M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.04%	-9.21%	0.98%	15.38%	1.45%	0.93%	0.48%	0.35%	-0.11%
Net Income (Continuing)	1.39M	3.03M	-9.13M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M
EPS (Diluted)+	1.45	-0.01	-3.59	-0.03	0.36	0.80	1.48	2.05	2.58	2.09
EPS Growth %	-	-1%	-	0.99%	13.08%	1.22%	0.85%	0.39%	0.26%	-0.19%
EPS (Basic)	1.45	-0.01	-3.59	-0.03	0.36	0.80	1.51	2.09	2.61	2.15
Diluted Shares Outstanding	954.3K	7.95M	3.29M	6.07M	7.26M	7.99M	8.32M	8.85M	9.5M	10.47M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	15.69M	19.21M	96.84M	38.54M	4.71M	7.42M	15.35M	19.32M	19.6M	67.96M
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Total Investments+	38.29M	346.15M	356.71M	467.11M	608.13M	930.17M	587.98M	737.64M	1.86B	0
Investments Growth %	-	8.04%	0.03%	0.31%	0.3%	0.53%	-0.37%	0.25%	1.52%	-1%
Long-Term Investments	38.29M	304.55M	301.93M	407.24M	546.75M	810.61M	294.75M	371.52M	1.5B	0
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	4.71M	4.71M	4.71M	4.71M	4.71M	4.71M	4.71M
Intangible Assets	468.75K	0	0	1.61M	1.72M	1.61M	2.86M	2.16M	1.75M	1.68M
PP&E (Net)	1.57M	1.66M	1.17M	12.05M	14.87M	18.51M	20.63M	23.35M	21.6M	21.83M
Other Assets	329.58M	30.35M	64.45M	44.86M	60.53M	170.29M	-16.14M	-21.8M	77.93M	2B
Total Current Assets	28.58M	65.48M	154.4M	101.49M	69.13M	131.68M	312.5M	392.92M	398.94M	67.96M
Total Non-Current Assets	383.13M	348.04M	377.57M	482.62M	639.36M	1.02B	322.94M	401.73M	1.63B	2.03B
Total Assets+	411.71M	413.52M	531.97M	584.11M	708.49M	1.15B	1.61B	1.84B	2.03B	2.1B
Asset Growth %	-	0%	0.29%	0.1%	0.21%	0.62%	0.4%	0.14%	0.11%	0.03%
Return on Assets (ROA)	0%	0%	-0.02%	-0%	0%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	52.85M	37.85M	105.68M	500K	10M	146.04M	44.59M	140.68M	88.67M	14.73M
Net Debt	37.16M	18.64M	8.84M	-38.04M	5.29M	138.62M	29.24M	121.35M	69.07M	-53.23M
Long-Term Debt	37.85M	37.85M	75.5M	500K	10M	146.04M	34.59M	122.68M	64.68M	14.73M
Short-Term Debt	15M	0	30.18M	0	0	0	10M	18M	23.99M	0
Other Liabilities	176.53M	1.58M	1.95M	2.45M	5.1M	7.96M	-34.59M	0	33.23M	1.89B
Total Current Liabilities	161.79M	339.89M	397.38M	513.33M	601.09M	891.55M	10M	18M	1.77B	1.24B
Total Non-Current Liabilities	215.8M	39.44M	77.45M	2.95M	15.1M	153.99M	34.59M	122.68M	97.91M	1.9B
Total Liabilities	377.59M	379.32M	474.83M	516.28M	616.2M	1.05B	1.49B	1.72B	1.87B	1.9B
Total Equity+	32.85M	34.19M	57.14M	67.83M	92.29M	101.99M	124.93M	118.8M	156.04M	195.23M
Equity Growth %	-	0.04%	0.67%	0.19%	0.36%	0.11%	0.22%	-0.05%	0.31%	0.25%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.04%	0.04%	-0.26%	-0%	0.03%	0.07%	0.11%	0.15%	0.18%	0.12%
Book Value per Share	34.42	4.30	17.36	11.18	12.72	12.77	15.01	13.42	16.42	18.65
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	36.63M	36.63M	5.7M	6.4M	7.96M	7.99M	8.61M	8.96M	9.54M	10.27M
Additional Paid-in Capital	1.12M	1.14M	90.74M	101.59M	120.76M	121.76M	131.79M	136.6M	145.94M	158.75M
Retained Earnings	-21M	-19.56M	-39.48M	-39.57M	-36.97M	-30.6M	-18.28M	-86K	20.09M	41.99M
Accumulated OCI	-392.03K	-508K	170K	-590K	547K	2.84M	2.81M	-26.68M	-19.53M	-15.79M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	16.5M	16.5M	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.82M	-7.92M	27.31M	8.72M	-37.88M	-20.36M	70.88M	83.54M	37.14M	-12.67M
Operating CF Growth %	-	-3.81%	4.45%	-0.68%	-5.34%	0.46%	4.48%	0.18%	-0.56%	-1.34%
Net Income	1.39M	1.44M	-11.81M	-181K	2.6M	6.37M	12.32M	18.19M	24.48M	21.9M
Depreciation & Amortization	526.58K	565K	505K	699K	1.43M	1.53M	1.92M	2.44M	2.83M	2.7M
Deferred Taxes	0	384K	-2.02M	-181K	786K	61K	-609K	1.54M	-259K	0
Other Non-Cash Items	877.22K	1.86M	7.99M	3.58M	3.88M	4.07M	57.84M	60.61M	10.16M	-39.51M
Working Capital Changes	1.08M	-12.18M	32.5M	4.22M	-47.48M	-33.42M	-1.78M	-183K	-1.16M	940K
Cash from Investing+	-21.23M	24.91M	-45.22M	-33.35M	-97.62M	-298.39M	-226.3M	-502.9M	-176.35M	-17.31M
Purchase of Investments	-33.21M	-19.16M	-20.96M	-27.79M	-14.23M	-83.03M	-177.36M	-144.33M	-22.63M	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	1.92M	18.67M	-88.77M	-227.72M	80.91M	-379.22M	0	0
Other Investing	-6.56M	24.08M	-24.26M	-35.73M	213K	-4.21M	-145.01M	1.03M	-192.85M	-15.9M
Cash from Financing+	18.17M	1.94M	129.1M	-53.48M	117.08M	426.48M	222.78M	223.97M	158.8M	49.39M
Dividends Paid	0	0	-24.51M	0	0	0	0	0	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0	0
Stock Issued	675.83K	23K	39.98M	0	19.31M	0	0	17K	8.84M	12.24M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K
Other Financing	24.15M	16.91M	58.83M	21.52M	87.77M	290.46M	324.27M	127.9M	202.01M	84.14M
Net Change in Cash+	-235.09K	18.92M	111.19M	-78.1M	-18.42M	107.73M	67.36M	-195.4M	19.59M	19.41M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	15.92M	15.69M	34.61M	145.8M	67.7M	49.27M	157M	224.36M	28.96M	48.55M
Cash at End	15.69M	34.61M	145.8M	67.7M	49.27M	157M	224.36M	28.96M	48.55M	67.96M
Interest Paid	0	2.24M	0	1.99M	0	5.73M	5.5M	8.05M	36.33M	60.6M
Income Taxes Paid	0	775K	0	32K	0	1.46M	4.42M	3.41M	5.29M	0
Free Cash Flow+	2.53M	-10.46M	22.31M	3.41M	-40.8M	-23.21M	68.69M	81.38M	36.83M	-14.08M
FCF Growth %	-	-5.14%	3.13%	-0.85%	-12.96%	0.43%	3.96%	0.18%	-0.55%	-1.38%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.22%	4.29%	-25.87%	-0.29%	3.25%	6.56%	10.86%	14.93%	17.81%	12.47%
Return on Assets (ROA)	0.34%	0.35%	-2.5%	-0.03%	0.4%	0.69%	0.89%	1.06%	1.27%	1.06%
Net Interest Margin	0%	3.59%	2.97%	3.39%	3.53%	2.78%	2.56%	3.1%	3.17%	0%
Efficiency Ratio	26.14%	65.6%	97.16%	85.85%	70.56%	60.44%	60.78%	50.86%	35.38%	52.22%
Equity / Assets	7.98%	8.27%	10.74%	11.61%	13.03%	8.89%	7.75%	6.47%	7.69%	9.3%
Book Value / Share	34.42	4.3	17.36	11.18	12.72	12.77	15.01	13.42	16.42	18.65
NII Growth	-	-	6.37%	25.38%	26.15%	27.75%	29.25%	38.1%	12.87%	-100%

Frequently Asked Questions

Valuation & Price

CoastalSouth Bancshares, Inc. (COSO) has a price-to-earnings (P/E) ratio of 11.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

CoastalSouth Bancshares, Inc. (COSO) saw revenue decline by 39.4% over the past year.

Yes, CoastalSouth Bancshares, Inc. (COSO) is profitable, generating $23.5M in net income for fiscal year 2024 (31.6% net margin).

Dividend & Returns

CoastalSouth Bancshares, Inc. (COSO) has a return on equity (ROE) of 12.5%. This is reasonable for most industries.

Industry Metrics

CoastalSouth Bancshares, Inc. (COSO) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

CoastalSouth Bancshares, Inc. (COSO) has an efficiency ratio of 52.2%. This is excellent, indicating strong cost control.