Last 36 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
CoastalSouth Bancshares, Inc.'s quarterly P/E stands at 10.0x, down 1.3% year-over-year. EV/EBITDA has expanded 17.2% YoY to 7.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.48 | 10.02 | 9.91 | 9.50 | 11.30 | 10.16 | 6.56 | 7.48 | 17.45 | 5.07 | 7.38 | 5.98 | 5.91 |
| — | -1.3% | +51.1% | +27.1% | -35.2% | +100.4% | -11.2% | +25.1% | +195.5% | -31.3% | +25.3% | -39.5% | -44.9% | |
| P/S Ratio | 2.38 | 2.04 | 1.75 | 1.68 | 1.78 | 1.79 | 1.46 | 1.34 | 1.57 | 1.10 | 1.23 | 1.23 | 1.55 |
| — | +13.8% | +19.7% | +26.0% | +13.3% | +63.0% | +18.3% | +8.2% | +1.8% | -41.1% | -24.2% | -41.4% | -39.3% | |
| P/B Ratio | 1.20 | 1.11 | 0.98 | 1.08 | 1.12 | 1.19 | 1.07 | 0.97 | 0.99 | 0.93 | 1.01 | 0.99 | 1.20 |
| — | -7.0% | -9.0% | +11.1% | +13.2% | +28.7% | +6.6% | -2.1% | -17.4% | -32.3% | -11.0% | -25.7% | -13.6% | |
| P/FCF | 5.27 | 0.84 | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 9.31 | 7.91 | 7.11 | 7.73 | 8.63 | 6.75 | 5.35 | 6.04 | 14.88 | 6.00 | 6.99 | 5.09 | 7.77 |
| — | +17.2% | +32.9% | +28.1% | -42.0% | +12.5% | -23.4% | +18.6% | +91.5% | -39.1% | +12.6% | -51.6% | -24.1% | |
| EV / EBIT | 10.00 | 7.91 | 7.11 | 7.73 | 8.63 | 6.75 | 5.35 | 6.04 | 14.88 | 6.00 | 6.99 | 5.09 | 7.77 |
| — | +17.2% | +32.9% | +28.1% | -42.0% | +12.5% | -23.4% | +18.6% | +91.5% | -39.1% | +12.6% | -51.6% | -24.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
CoastalSouth Bancshares, Inc.'s operating margin was 24.7% in Q4 2025, down 0.4 pp QoQ and up 4.3 pp YoY. The trailing four-quarter average of 22.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 13.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.0% | 59.5% | 59.0% | 56.9% | 56.2% | 52.3% | 59.0% | 55.3% | 47.9% | 62.5% | 56.4% | 61.6% | 69.3% |
| — | +13.8% | -0.0% | +2.9% | +17.2% | -16.3% | +4.6% | -10.2% | -30.9% | -18.1% | -29.8% | -25.2% | -16.5% | |
| Operating Margin | 22.9% | 24.7% | 25.1% | 20.9% | 20.8% | 20.5% | 28.5% | 22.8% | 10.9% | 27.1% | 21.7% | 26.8% | 34.3% |
| — | +20.8% | -11.9% | -8.2% | +90.0% | -24.3% | +31.1% | -15.0% | -68.1% | -18.1% | -38.1% | -6.0% | +9.7% | |
| Net Margin | 18.3% | 20.2% | 19.3% | 17.8% | 15.9% | 17.6% | 22.2% | 18.0% | 8.9% | 21.8% | 16.6% | 20.7% | 26.2% |
| — | +15.2% | -13.2% | -1.2% | +78.4% | -19.3% | +33.7% | -13.1% | -65.9% | -13.8% | -39.3% | -2.0% | +9.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.9% | 2.8% | 2.9% | 2.9% | 2.5% | 2.9% | 4.2% | 3.3% | 1.5% | 4.8% | 3.4% | 4.2% | 5.4% |
| — | -4.7% | -30.6% | -13.0% | +72.3% | -39.1% | +23.9% | -21.5% | -72.5% | +0.4% | -28.6% | +30.2% | +72.3% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.4% | 0.3% | 0.1% | 0.4% | 0.2% | 0.3% | 0.4% |
| — | +15.9% | -18.9% | -4.3% | +97.7% | -24.1% | +54.1% | -2.7% | -66.0% | +14.9% | -21.3% | +33.4% | +53.5% | |
| ROIC | 9.4% | 2.3% | 2.6% | 2.4% | 2.3% | 2.3% | 3.6% | 2.8% | 1.0% | 3.2% | 2.7% | 2.6% | 2.5% |
| — | -0.1% | -25.9% | -14.3% | +127.5% | -27.3% | +31.1% | +5.9% | -60.6% | +24.0% | -7.6% | +20.2% | +14.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
CoastalSouth Bancshares, Inc.'s Debt/EBITDA ratio is 3.4x, up from 2.8x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 1217.6% YoY to 0.72x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.10 | 0.07 | 0.10 | 0.08 | 0.14 | 0.15 | 0.15 | 0.57 | 0.23 | 0.23 | 0.96 |
| — | +53.2% | -27.8% | -52.4% | -33.4% | -86.7% | -40.4% | -36.8% | -83.9% | -52.0% | -48.4% | -65.4% | +148.3% | |
| Debt / EBITDA | 0.90 | 3.43 | 2.85 | 2.10 | 3.15 | 2.21 | 2.64 | 3.58 | 8.96 | 9.96 | 5.23 | 4.36 | 14.43 |
| — | +55.2% | +7.9% | -41.3% | -64.9% | -77.8% | -49.5% | -17.9% | -37.9% | -49.0% | -28.9% | -71.0% | +58.8% | |
| Current Ratio | 0.15 | 0.72 | 0.02 | 0.02 | 0.05 | 0.05 | 0.03 | 0.03 | 0.01 | 0.22 | — | 0.01 | 0.01 |
| — | +1217.6% | -52.6% | -33.4% | +330.4% | -75.6% | — | +242.2% | +68.5% | -10.8% | — | +24.6% | +195.6% | |
| Quick Ratio | 0.15 | 0.72 | 0.02 | 0.02 | 0.05 | 0.05 | 0.03 | 0.03 | 0.01 | 0.22 | — | 0.01 | 0.01 |
| — | +1217.6% | -52.6% | -33.4% | +330.4% | -75.6% | — | +242.2% | +68.5% | -10.8% | — | +24.6% | +195.6% | |
| Interest Coverage | 0.58 | 0.66 | 0.64 | 0.51 | 0.50 | 0.47 | 0.65 | 0.52 | 0.21 | 0.70 | 0.53 | 0.71 | 1.15 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
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CoastalSouth Bancshares, Inc.'s current P/E is 12.5x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CoastalSouth Bancshares, Inc.'s current operating margin is 22.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CoastalSouth Bancshares, Inc.'s business trajectory between earnings reports.