What is CoastalSouth Bancshares, Inc.'s (COSO) StockRank?

MoatMap's StockRank for CoastalSouth Bancshares, Inc. (COSO) is 63/100, with a Hold signal. This is a composite score combining Quality (58), Value (41), and Momentum (59) factor ranks across MoatMap's universe of 25,000+ stocks.

Does CoastalSouth Bancshares, Inc. have an economic moat?

CoastalSouth Bancshares, Inc. (COSO) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is CoastalSouth Bancshares, Inc. a buy, hold, or sell?

MoatMap's current signal for CoastalSouth Bancshares, Inc. (COSO) is Hold, based on a StockRank of 63/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is CoastalSouth Bancshares, Inc. in?

CoastalSouth Bancshares, Inc. (COSO) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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COSO

HoldPremium Grower

CoastalSouth Bancshares, Inc. · Financial Services · United States · $329M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

12.6x

ROE

11.5%

D/E

0.1x

Dividend %

0.4%

COMPANY DESCRIPTION

CoastalSouth Bancshares is a regional financial holding company centered on community banking services. It offers a standardized portfolio of loans and deposit accounts, maintaining a local market presence and traditional conservative banking posture.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	63.3M	71.7M	68.9M	81.0M	8.6%	85.2M	91.8M	100.7M	11.5%
EPS	2.09	2.61	2.15	2.08	-0.2%	2.22	2.23	2.45	8.7%
Shares	9.0M	9.5M	10.3M	12.0M	+33.7%	12.0M	—	—	—
Debt	140.7M	88.7M	41.7M	30.0M	-40.3%	81.9M	—	—	—
Equity	118.8M	156.0M	195.2M	259.5M	29.8%	—	—	—	—
Op CF	83.5M	37.1M	-12.7M	63.1M	-8.9%	69.2M	—	—	—
Inv CF	-502.9M	-176.4M	-17.3M	-224.1M	—	—	—	—	—
Fin CF	224.0M	158.8M	49.4M	172.8M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+1.8%

SMA 50SMA 200

$27.57

RSI (14)

57.0

52W High

$28.51

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.2%*41.4

ROE

11.5%58.5

GP/Assets

3.7%N/A

Op. Margin

41.2%58.9

FCF/Assets

1.8%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.12xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

12.6x52.3

EV/EBITDA

bankN/A

P/FCF

8.0xN/A

P/B

1.2x47.8

P/S

3.9x45.8

Div Yield

0.4%3.3

Momentum

52W High %

97%83.2

RS 6M

3%58.7

SMA 50/200

1.08x65.1

EPS Rev 4W

0.0%27.7

EPS Rev 12W

—N/A

EPS Improve

+15%42.2

Q Growth

23%55.5

FUNDAMENTALS

Market Cap

$329M

P/E (Forward)

10.9x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of COSO are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
COSO	CoastalSouth Bancshares, Inc.(you)	$329M	63	Hold
JMSB	John Marshall Bancorp, Inc.	$324M	61	Hold
FSBW	FS Bancorp, Inc.	$302M	61	Hold
USCB	USCB Financial Holdings, Inc.	$414M	62	Hold
WSBF	Waterstone Financial, Inc.	$379M	66	Buy
QNBC	QNB Corp.	$281M	66	Buy
OVLY	Oak Valley Bancorp	$286M	58	Hold
FVCB	FVCBankcorp, Inc.	$329M	70	Buy
CBK	Commercial Bancgroup, Inc.	$467M	63	Hold
FRBA	First Bank	$443M	60	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

CoastalSouth Bancshares, Inc. (COSO): Stock Score Summary

CoastalSouth Bancshares, Inc. (COSO) has a MoatMap StockRank of 63/100 based on Quality (58/100), Value (41/100), and Momentum (59/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$27.57
Market Cap	$329M
P/E (TTM)	12.56
P/E (Forward)	10.94
Price/Book	1.24
Return on Equity	11.5%
Debt/Equity	0.12x
Operating Margin	41.2%
Revenue Growth	16.1%
Dividend Yield	0.4%
Free Cash Flow	$41M

CoastalSouth Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is CoastalSouth Bancshares, Inc.’s (COSO) StockRank?: MoatMap’s StockRank for CoastalSouth Bancshares, Inc. (COSO) is 63/100, with a Hold signal. It is a composite of Quality (58), Value (41), and Momentum (59) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does CoastalSouth Bancshares, Inc. have an economic moat?: CoastalSouth Bancshares, Inc. (COSO) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is CoastalSouth Bancshares, Inc. a buy, hold, or sell?: MoatMap’s current signal for CoastalSouth Bancshares, Inc. (COSO) is Hold, based on a StockRank of 63/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is CoastalSouth Bancshares, Inc. in?: CoastalSouth Bancshares, Inc. (COSO) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).