CoastalSouth Bancshares, Inc. (COSO) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
9.31
+13% vs avg
5yr avg: 8.24
30Y Low6.0·High25.2
P/FCF
↑
5.27
↑+71% vs avg
5yr avg: 3.07
30Y Low2.0·High18.0
P/B Ratio
↓
1.20
+7% vs avg
5yr avg: 1.12
30Y Low0.9·High1.3
ROE
↑
10.9%
-18% vs avg
5yr avg: 13.4%
30Y Low-26%·High18%
Debt/EBITDA
↓
0.90
↓-63% vs avg
5yr avg: 2.44
30Y Low0.5·High20.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
COSO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
CoastalSouth Bancshares, Inc. trades at 12.5x earnings, 31% above its 5-year average of 9.5x, sitting at the 71st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 10%. On a free-cash-flow basis, the stock trades at 5.3x P/FCF, 71% above the 5-year average of 3.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $323M | $268M | $230M | $143M | $159M | $144M | $97M | $91M | $61M | $61M | — |
| Enterprise Value | $311M | $256M | $177M | $212M | $281M | $173M | $235M | $96M | $23M | $70M | — |
| P/E Ratio → | 12.48 | 10.76 | 10.50 | 5.81 | 8.78 | 11.66 | 15.12 | 34.86 | — | — | — |
| P/S Ratio | 2.38 | 1.97 | 1.77 | 1.25 | 2.09 | 2.53 | 2.20 | 2.53 | 2.41 | 3.16 | — |
| P/B Ratio | 1.20 | 1.03 | 1.18 | 0.91 | 1.34 | 1.15 | 0.95 | 0.99 | 0.90 | 1.07 | — |
| P/FCF | 5.27 | 4.37 | — | 3.87 | 1.96 | 2.09 | — | — | 17.99 | 2.73 | — |
| P/OCF | 5.12 | 4.24 | — | 3.84 | 1.91 | 2.03 | — | — | 7.04 | 2.23 | — |
P/E links to full P/E history page with 30-year chart
COSO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
CoastalSouth Bancshares, Inc.'s enterprise value stands at 9.3x EBITDA, 13% above its 5-year average of 8.2x. The Financial Services sector median is 11.5x, placing the stock at a 19% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.89 | 1.36 | 1.85 | 3.68 | 3.04 | 5.36 | 2.67 | 0.91 | 3.62 | — |
| EV / EBITDA | 9.31 | 7.66 | 6.01 | 6.31 | 11.03 | 10.20 | 25.16 | 21.19 | 154.45 | — | — |
| EV / EBIT | 10.00 | 8.23 | 6.49 | 6.72 | 11.78 | 11.18 | 28.62 | 27.80 | — | — | — |
| EV / FCF | — | 4.18 | — | 5.75 | 3.45 | 2.52 | — | — | 6.84 | 3.12 | — |
COSO Profitability
Margins and return-on-capital ratios measuring operating efficiency
CoastalSouth Bancshares, Inc. earns an operating margin of 22.9%, above the Financial Services sector average of 20.2%. Operating margins have compressed from 27.5% to 22.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.9% is modest. ROIC of 9.4% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.0% | 58.0% | 54.6% | 62.9% | 80.8% | 89.3% | 79.5% | 80.2% | 84.3% | 68.0% | 86.5% |
| Operating Margin | 22.9% | 22.9% | 21.0% | 27.5% | 31.2% | 27.2% | 18.7% | 9.6% | -1.6% | -29.2% | 20.9% |
| Net Profit Margin | 18.3% | 18.3% | 16.9% | 21.4% | 23.8% | 21.7% | 14.5% | 7.2% | -0.7% | -61.4% | 6.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.9% | 10.9% | 12.5% | 17.8% | 14.9% | 10.9% | 6.6% | 3.3% | -0.3% | -25.9% | 4.3% |
| ROA | 1.1% | 1.1% | 1.1% | 1.3% | 1.1% | 0.9% | 0.7% | 0.4% | -0.0% | -2.5% | 0.3% |
| ROIC | 9.4% | 9.4% | 9.0% | 9.4% | 8.3% | 5.6% | 3.5% | 3.0% | -0.3% | -3.6% | 4.5% |
| ROCE | 2.4% | 2.4% | 4.9% | 12.0% | 10.7% | 7.1% | 4.5% | 3.9% | -0.4% | -5.4% | 2.9% |
COSO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
CoastalSouth Bancshares, Inc. carries a Debt/EBITDA ratio of 0.9x, which is very conservative (79% below the sector average of 4.3x). The company holds a net cash position — cash of $42M exceeds total debt of $30M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.08 | 0.57 | 1.18 | 0.36 | 1.43 | 0.11 | 0.01 | 1.85 | 1.11 |
| Debt / EBITDA | 0.90 | 0.90 | 0.50 | 2.64 | 5.53 | 2.63 | 15.62 | 2.20 | 3.31 | — | 7.21 |
| Net Debt / Equity | — | -0.04 | -0.27 | 0.44 | 1.02 | 0.23 | 1.36 | 0.06 | -0.56 | 0.15 | 0.55 |
| Net Debt / EBITDA | -0.34 | -0.34 | -1.81 | 2.06 | 4.77 | 1.73 | 14.82 | 1.16 | -251.95 | — | 3.55 |
| Debt / FCF | — | -0.19 | — | 1.88 | 1.49 | 0.43 | — | — | -11.15 | 0.40 | — |
| Interest Coverage | 0.58 | 0.58 | 0.47 | 0.74 | 2.48 | 3.25 | 1.43 | 0.66 | -0.17 | -3.28 | 2.09 |
Net cash position: cash ($42M) exceeds total debt ($30M)
COSO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.15x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.24x to 0.15x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.15 | 0.15 | 0.05 | 0.24 | 0.26 | 0.36 | 0.15 | 0.12 | 0.20 | 0.39 | 0.19 |
| Quick Ratio | 0.15 | 0.15 | 0.05 | 0.24 | 0.26 | 0.36 | 0.15 | 0.12 | 0.20 | 0.39 | 0.19 |
| Cash Ratio | 0.08 | 0.08 | 0.05 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.08 | 0.24 | 0.06 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
COSO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
CoastalSouth Bancshares, Inc. returns 0.0% to shareholders annually primarily through share buybacks. The earnings yield of 8.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.0% | 9.3% | 9.5% | 17.2% | 11.4% | 8.6% | 6.6% | 2.9% | — | — | — |
| FCF Yield | 19.0% | 22.9% | — | 25.8% | 51.1% | 47.8% | — | — | 5.6% | 36.6% | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $12M | $10M | $10M | $9M | $8M | $8M | $7M | $6M | $3M | $8M |
Peer Comparison
Compare COSO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 COSOYou | $323M | 12.5 | 9.3 | 5.3 | 58.0% | 22.9% | 10.9% | 9.4% | 0.9 |
 SFST | $574M | 16.2 | 18.3 | 19.2 | 51.3% | 17.6% | 8.7% | 4.8% | 6.0 |
 FCCO | $247M | 13.0 | 13.2 | 14.0 | 68.1% | 22.7% | 12.3% | 6.8% | 4.7 |
 GSBC | $865M | 12.3 | 13.4 | 13.1 | 66.9% | 25.4% | 11.5% | 7.2% | 4.6 |
 CZWI | $207M | 14.7 | 15.7 | 19.9 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 SMBC | $804M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 HBCP | $534M | 11.6 | 7.8 | 12.0 | 70.5% | 27.7% | 11.1% | 7.7% | 1.0 |
 FFIN | $5B | 19.0 | 11.8 | 15.7 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 GABC | $2B | 15.0 | 13.1 | 11.2 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 FIS | $20B | 52.3 | 6.5 | 7.2 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 11 years · Updated daily
What if you invested $1,000 in COSO 10 years ago?
Total return calculator · dividends reinvested
Calculate ReturnsHow much would $100/month in COSO be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs COSO Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCOSO vs SFST — which is the better buy?
Side-by-side revenue, margins, P/E and 10-year returns vs Southern First Bancshares, Inc..
Compare NowCOSO — Frequently Asked Questions
Quick answers to the most common questions about buying COSO stock.
What is CoastalSouth Bancshares, Inc.'s P/E ratio?
CoastalSouth Bancshares, Inc.'s current P/E ratio is 12.5x. The historical average is 13.9x. This places it at the 71th percentile of its historical range.
What is CoastalSouth Bancshares, Inc.'s EV/EBITDA?
CoastalSouth Bancshares, Inc.'s current EV/EBITDA is 9.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.5x.
What is CoastalSouth Bancshares, Inc.'s ROE?
CoastalSouth Bancshares, Inc.'s return on equity (ROE) is 10.9%. The historical average is 5.4%.
Is COSO stock overvalued?
Based on historical data, CoastalSouth Bancshares, Inc. is trading at a P/E of 12.5x. This is at the 71th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are CoastalSouth Bancshares, Inc.'s profit margins?
CoastalSouth Bancshares, Inc. has 58.0% gross margin and 22.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does CoastalSouth Bancshares, Inc. have?
CoastalSouth Bancshares, Inc.'s Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.