CoastalSouth Bancshares, Inc. (COSO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of CoastalSouth Bancshares, Inc. stock $20.10, price $28.15, that is 28.6% below the price, quality 43 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
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CoastalSouth Bancshares, Inc.
COSO · USOur calculation puts a fair price 29% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $0.0184 – $28.75 · fair‑value band $18.37 – $24.15 · the $28.15 price screens above the $20.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
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.
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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 government guaranteed lending; warehouse lending; debit cards; and telephone banking.
In addition, the company offers online banking solutions comprising access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions; direct deposits; cashier's checks; wire transfer services; automated clearing house services; and cash management deposit products consist of remote deposit capture, positive pay, zero balance accounts and sweep accounts.
The company was founded in 2003 and is headquartered in Atlanta, Georgia.
Stock analysis
CoastalSouth Bancshares, Inc. (COSO) currently trades at $28.15, while our model-based Fair Value estimate is $20.10, 29% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $24.49 per share, and 0 of the 4 models we run sit above the $28.15 price.
Bear case: the Asset-Based group reads lowest at $14.11, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $18.37 (bear) to $24.15 (bull), the price of $28.15 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
CoastalSouth Bancshares, Inc. reported revenue of $136M in FY2025 versus $56.8M in FY2021, a compound +24.3%/yr. Reported net income was $24.9M in FY2025, compounding +19.2%/yr from FY2021.
Key figures
Market cap $350M Small · P/E ratio 11.8 · P/S ratio 3.90 · EPS (TTM) $2.39 · Net margin 32.9% · Return on equity 11.5% · Return on assets (EBIT) 1.3% (5-year average) · Operating margin 47.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −29%, COSO screens richer than that median.
Fair Value models
All 4 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $9,350, on Aug 7, 2026. Over the same period, one person sold shares worth $332,805.
- SaleErnst W. BrudererDirector5× since Aug 12, 2026: 12,000 shares, avg. $27.73$332,805Oct 23, 2026
- BuyJames S MacleodDirector334 shares at $27.99$9,350Aug 7, 2026
- SaleAnthony P. ValdugaCFO AND COO4,558 shares at $25.84$117,779May 6, 2026
- BuyStephen R. StonePRESIDENT AND CEO, Director200 shares at $24.15$4,830Mar 9, 2026
- BuyMichael B HighDirector1,500 shares at $25.14$37,710Feb 10, 2026
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
COSO screens overvalued: fair value 29% below the price. Compare with China Merchants Bank Co →
Compare CoastalSouth Bancshares, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/B ratio by industry
- Net margin by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs COSO |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs COSO |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs COSO |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs COSO |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs COSO |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs COSO |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs COSO |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs COSO |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs COSO |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs COSO |
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Frequently asked questions
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Key figures of CoastalSouth Bancshares, Inc.
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