CoastalSouth Bancshares Inc. Common Stock (COSO)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at a small regional bank holding company, CoastalSouth Bancshares, with a $323.2 million market cap and 201 employees. It takes deposits and makes commercial and retail loans, including commercial real estate and construction loans. The filed numbers show net income of $24.9 million in FY2025, up from $21.9 million in FY2024, and diluted EPS of $2.16 versus $2.09. In the quarter ended June 30, 2026, net income was $7.3 million and diluted EPS was $0.59; the prior few filings show positive and generally rising profits. At the 2026-10-13 close of $27.04, FairStock calculates a P/E of 12.18, P/B of 1.20, ROE of 11.50%, PEG of 0.53 and a 0.74% dividend yield. FairStock scores it 66/100. That is a fair-to-attractive price for a bank earning around 11.5% on equity, though not a screaming bargain. The low beta of 0.03 suggests the shares have not moved much with the market. The key problem is what I cannot see: CET1 capital, net interest margin, nonperforming loans, charge-offs, reserves and loan-to-deposit data are absent. For a bank, credit and capital are the real margin of safety. The business description emphasizes commercial real estate and construction lending, which can be cyclical. With only two filed annual results and a Piotroski F-Score of 5/9, the history is thin. FairStock's Lynch category is none because three years are needed. I would treat the low multiple as a starting point, not a conclusion, until underwriting quality is verified.

In plain English: CoastalSouth Bancshares is a small bank holding company that takes deposits and makes loans to people and businesses. It has been profitable, earnings have been steady, and it pays a small dividend. Based on its profits and accounting value, the stock price looks reasonable rather than clearly cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer