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CoastalSouth Bancshares, Inc (COSO) Fair Value & Analysis

Financial Services · US · Market cap $322M

Price$26.92
Fair Value$26.89
Upside-0.1%
Quality95/100
Evidence: High Range $20.17 – $33.61

Fair value as of: Jun 26, 2026

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Analysis

CoastalSouth Bancshares, Inc (COSO) currently trades at $26.92, while our model-based Fair Value estimate is $26.89 — implying the stock looks roughly 0.1% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

CoastalSouth Bancshares, Inc. operates as the bank holding company for Coastal States Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, including checking, savings, money market, and certificates of deposits, as well as demand deposits accounts and interest-bearing products. It offers commercial loans, such as acquisition, development, and construction loans; income-producing and owner-occupied commercial real estate loans; senior housing loans; and commercial and industrial loans. In addition, the company offers retail loans, including residential mortgages, marine vessels, cash value life insurance line of credit, and other consumer loans, as well as loans held-for-sale. Further, it provides commercial treasury management services which includes balance reporting, transfers between accounts, wire transfer initiation, ACH origination and stop payments; senior housing lending, marine lending, and govern…

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Frequently asked questions

Is CoastalSouth Bancshares, Inc (COSO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $26.89 versus a price of $26.92 — about −0% (overvalued). Model-based estimate, not financial advice.
What is the fair value of COSO?
Our 21-model fair value for CoastalSouth Bancshares, Inc is $26.89 (as of Jun 26, 2026), built from audited fundamentals. The current price is $26.92.
What is the quality score of COSO?
CoastalSouth Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.