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CoastalSouth Bancshares(NYSE) COSO

Market Cap$332.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2017)+39%
5 Year+64%
1 Year+31%
1 Month+2%
$27.37
-1.12%
-0.31Today
CoastalSouth Bancshares last closing stock price
MetricPriceDate
Last closeUSD 27.342026-07-29
CoastalSouth Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.01%USD 26.542026-07-22
1 month+1.94%USD 26.822026-06-29
3 month+7.22%USD 25.502026-04-30
Year to date+18.06%USD 23.162025-12-31
1 year+30.71%USD 20.922025-07-29
3 year+91.95%USD 14.242023-07-24
5 year+63.88%USD 16.682021-07-01
Since inception+38.95%USD 19.922017-09-07

CoastalSouth Bancshares Financials at a Glance

Market Cap

$332.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$140.59M

Net Income (TTM)

$27.54M

EPS (TTM)

$2.22

P/E Ratio

12.31

Dividend

$0.10

Beta (Volatility)

0.22 (Low)

Price

$27.37

Volume

80,166.92

Open

$27.61

Previous Close

$27.34

Daily Range

$27.19 - $27.89

52-Week Range

$19.24 - $28.02

Estimated Earnings Date

Oct 19, 2026

COSO News

No articles available.

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About CoastalSouth Bancshares

CoastalSouth Bancshares helps people and businesses manage money and access loans. Its checking accounts and mortgages support daily needs and home buying. The company serves local communities and specialized industries with tailored banking solutions.

Money Matters: What CoastalSouth Offers

  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
  • Lending Products: Residential mortgages, home equity loans, and commercial loans for property, business, and specialty needs (commercial loans 61.1% of loans; retail loans 38.9%).
  • Specialty Lending: Senior housing, marine vessel, and government-guaranteed loans for niche markets (senior housing 15.5%, marine vessels 19.7% of loans).
  • Digital and Private Banking: Online banking, treasury management, and customized services for convenience and business efficiency.
  • Mortgage Origination: Home loan origination and sales through a dedicated subsidiary, serving homebuyers and real estate professionals.

Branching Out: Growth and Expansion Moves

  • Completed initial public offering (IPO) in July 2025, raising $34 million in net proceeds.
  • Operates 11 branches across South Carolina and Georgia, with national reach in specialty lending.

Why CoastalSouth Stands Out

CoastalSouth combines local community banking with national specialty lending platforms. Its diversified loan portfolio reduces reliance on any single sector. The company’s focus on digital services and risk management supports operational stability.

Five Things You Need to Know

  • Revenue was $35 million in Q3 2025, up 67.0% from Q3 2024.
  • Total assets reached $2.22 billion as of June 30, 2025, up 5.8% from December 2024.
  • Net income for the first half of 2025 was $11 million, up from $8.3 million in 2024.
  • Commercial loans made up 61.1% of the loan portfolio in June 2025.
  • Nonperforming loans were 0.96% of gross loans as of June 2025.

Bottom Line

CoastalSouth has grown by blending community banking with national specialty lending. Its diversified approach and investment in technology support its evolving business model.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

201

CEO

Stephen R. Stone

Website

www.coastalstatesbank.com

Headquarters

Atlanta, GA 29928-7344, US

COSO Financials

Key Financial Metrics (TTM)

Gross Margin

60.58%

Operating Margin

24.64%

Net Income Margin

19.59%

Return on Equity

10.57%

Return on Capital

10.75%

Return on Assets

1.14%

Earnings Yield

8.12%

Dividend Yield

0.37%

Payout Ratio

2.18%

Stock Overview

Market Cap

$332.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

12.17M

Volume

80.17K

Avg. Volume

112.58K

Financials (TTM)

Gross Profit

$85.17M

Operating Income

$34.64M

EBITDA

$36.88M

Operating Cash Flow

$43.73M

Capital Expenditure

-$1.44M

Free Cash Flow

$42.52M

Cash & ST Invst.

$383.90M

Total Debt

$75.00M

CoastalSouth Bancshares Performance Analysis

CoastalSouth Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 76,381,00034.4%
20232023-12-31USD 115,611,00051.4%
20242024-12-31USD 128,163,00010.9%
20252025-12-31USD 135,784,0005.9%
CoastalSouth Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.2%
Q42025-12-310.9%
Q12026-03-31-2.2%
Q22026-06-303.5%
CoastalSouth Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.0538.8%
20232023-12-31USD 2.5825.4%
20242024-12-31USD 2.09-18.8%
20252025-12-31USD 2.163.3%
CoastalSouth Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-1.8%
Q42025-12-315.5%
Q12026-03-31-12.1%
Q22026-06-3015.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$35.76M

+6.5%

Gross Profit

$22.21M

+16.1%

Gross Margin

62.11%

N/A

Market Cap

$332.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.70M

N/A

Employees

196

N/A

Net Income

$7.33M

+22.9%

EBITDA

$8.84M

+14.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$383.90M

+738.4%

Total Debt

$75.00M

+408.4%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$75.00M

+408.4%

Short Term Debt

$0.00

N/A

Return on Assets

1.14%

N/A

Return on Invested Capital

9.28%

N/A

Free Cash Flow

-$20.61M

N/A

Operating Cash Flow

-$20.61M

N/A

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Questions About COSO

What is the current price of CoastalSouth Bancshares?

CoastalSouth Bancshares is trading at $27.34 per share.

What is the 52-week range for CoastalSouth Bancshares?

Over the past 52 weeks, CoastalSouth Bancshares has traded between $19.24 and $28.02.

How much debt does CoastalSouth Bancshares have?

As of the most recent reporting period, CoastalSouth Bancshares reported total debt of $75.00M.

How much cash does CoastalSouth Bancshares have on hand?

CoastalSouth Bancshares does not have cash on hand data available.

What is CoastalSouth Bancshares’s dividend yield?

CoastalSouth Bancshares currently has a dividend yield of 0.37%.

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