COSO
Bearish signalScored 2026-09-02 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
CoastalSouth Bancshares, Inc.
- Nom
- CoastalSouth Bancshares, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $333.2M
- Employés
- 201
- PDG
- Stephen R. Stone
- Site web
- https://www.coastalstatesbank.com
- Marché
- CBANCZFSFDBCFNLCISBALNKB
CoastalSouth Bancshares, Inc. (COSO) serves as the bank holding company for CoastalStates Bank, offering a diverse array of banking products and services to both retail and commercial clientele. Customers can access a range of deposit products, including checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. Its lending options span residential mortgages, home equity loans, cash value lines of credit, commercial and government-backed financing, and mortgage banker finance. The bank also provides debit and credit cards. Additional offerings feature customized and private banking, treasury management solutions, and convenient digital and telephone banking access. Retail banking branches are situated across Hilton Head Island/Bluffton, South Carolina, and in Savannah and the north metro Atlanta area of Georgia. Founded in 2003, its corporate headquarters are located in Hilton Head Island, South Carolina.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 6 000 titres (~167 494,80 $ US)
- Insiders
- Bruderer Ernst W.
- Total bought
-
—
Avg buy (VWAP, 90d window) $27.99 vs last close —
- Total sold
-
$165,314
Avg sell (VWAP, 90d window) $27.55 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$27,564 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-10-23
- Last synced
-
2026-10-26 22:35:44
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-31 | Bruderer Ernst W. | Sell · S | 2,000 | $27.43 | $54,856 | Form 4 |
| 2026-08-26 | Bruderer Ernst W. | Sell · S | 2,000 | $27.50 | $55,004 | Form 4 |
| 2026-08-18 | Bruderer Ernst W. | Sell · S | 1,000 | $27.89 | $27,890 | Form 4 |
| 2026-08-12 | Bruderer Ernst W. | Sell · S · 10b5-1 | 1,000 | $27.56 | $27,564 | Form 4 |
| 2026-08-07 | MACLEOD JAMES S | Buy · P | 238 | $28.15 | $6,700 | Form 4 |
| 2026-08-06 | MACLEOD JAMES S | Buy · P | 96 | $27.61 | $2,651 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-02 Drivers: fundamentals. Moteurs : fondamentaux.
The 0-100 score behind this signal and the full written analysis are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.15 · operating margin 23% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 58.0% | 54.6% | 62.9% | 80.8% | 89.3% | |
| Ebit Margin | 22.9% | 21.0% | 27.5% | 31.2% | 27.2% | |
| Ebitda Margin | 24.6% | 23.0% | 30.0% | 34.4% | 30.6% | |
| Operating Profit Margin | 22.9% | 21.0% | 27.5% | 31.2% | 27.2% | |
| Pretax Profit Margin | 22.9% | 21.0% | 27.5% | 31.2% | 27.2% | |
| Continuous Operations Profit Margin | 18.3% | 16.9% | 21.4% | 23.8% | 21.7% | |
| Net Profit Margin | 18.3% | 16.9% | 21.4% | 23.8% | 21.7% | |
| Bottom Line Profit Margin | 18.3% | 16.9% | 21.4% | 23.8% | 21.7% | |
| Current Ratio | 0.151 | 0.055 | 0.241 | 0.258 | 0.365 | |
| Quick Ratio | 0.151 | 0.055 | 0.241 | 0.258 | 0.365 | |
| Solvency Ratio | 0.013 | 0.013 | 0.015 | 0.012 | 0.010 | |
| Cash Ratio | 0.079 | 0.055 | 0.011 | 0.012 | 0.011 | |
| Price To Earnings Ratio | 10.379 | 10.205 | 5.747 | 8.612 | 11.430 | |
| Price To Earnings Growth Ratio | 2.480 | -0.579 | 0.231 | 0.224 | 0.129 | |
| Forward Price To Earnings Growth Ratio | 2.480 | -0.579 | 0.231 | 0.224 | 0.129 | |
| Price To Earnings Diluted Ratio | 10.764 | 10.498 | 5.814 | 8.780 | 11.662 | |
| Price To Earnings Diluted Growth Ratio | 3.214 | -0.553 | 0.225 | 0.228 | 0.137 | |
| Price To Book Ratio | 1.032 | 1.146 | 0.902 | 1.319 | 1.125 | |
| Price To Sales Ratio | 1.973 | 1.725 | 1.231 | 2.052 | 2.474 | |
| Price To Free Cash Flow Ratio | 4.370 | -15.888 | 3.822 | 1.926 | 2.046 | |
| Price To Operating Cash Flow Ratio | 4.243 | -17.661 | 3.790 | 1.876 | 1.983 | |
| Debt To Assets Ratio | 0.013 | 0.007 | 0.044 | 0.077 | 0.028 | |
| Debt To Equity Ratio | 0.116 | 0.075 | 0.568 | 1.184 | 0.357 | |
| Debt To Capital Ratio | 0.104 | 0.070 | 0.362 | 0.542 | 0.263 | |
| Long Term Debt To Capital Ratio | 0.104 | 0.070 | 0.293 | 0.508 | 0.217 | |
| Financial Leverage Ratio | 8.888 | 10.750 | 13.000 | 15.451 | 12.900 | |
| Working Capital Turnover Ratio | -0.168 | -0.103 | -0.091 | -0.074 | -0.068 | |
| Operating Cash Flow Ratio | 0.120 | -0.010 | 0.021 | 0.053 | 0.049 | |
| Operating Cash Flow Sales Ratio | 0.465 | -0.098 | 0.325 | 1.094 | 1.248 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.971 | 1.112 | 0.992 | 0.974 | 0.969 | |
| Debt Service Coverage Ratio | 0.506 | 0.421 | 0.409 | 0.747 | 0.965 | |
| Interest Coverage Ratio | 0.578 | 0.467 | 0.737 | 2.477 | 3.253 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 1.548 | 4.641 | 7.088 | |
| Operating Cash Flow Coverage Ratio | 2.104 | -0.860 | 0.419 | 0.594 | 1.590 | |
| Capital Expenditure Coverage Ratio | 34.496 | -8.960 | 119.803 | 38.675 | 32.365 | |
| Dividend Paid And Capex Coverage Ratio | 34.496 | -8.960 | 119.803 | 38.675 | 32.365 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 7.660 | 5.710 | 6.113 | 10.583 | 9.766 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 58.0% | ▲3.4% | ▼-11.1% |
| Ebit Margin | 22.9% | ▲1.9% | ▼-3.0% |
| Ebitda Margin | 24.6% | ▲1.6% | ▼-3.9% |
| Operating Profit Margin | 22.9% | ▲1.9% | ▼-3.0% |
| Pretax Profit Margin | 22.9% | ▲1.9% | ▼-3.0% |
| Continuous Operations Profit Margin | 18.3% | ▲1.5% | ▼-2.1% |
| Net Profit Margin | 18.3% | ▲1.5% | ▼-2.1% |
| Bottom Line Profit Margin | 18.3% | ▲1.5% | ▼-2.1% |
| Current Ratio | 0.151 | ▲0.097 | ▼-0.063 |
| Quick Ratio | 0.151 | ▲0.097 | ▼-0.063 |
| Solvency Ratio | 0.013 | ▲0.000 | ▲0.001 |
| Cash Ratio | 0.079 | ▲0.024 | ▲0.045 |
| Price To Earnings Ratio | 10.380 | ▲0.175 | ▲1.105 |
| Price To Earnings Growth Ratio | 2.479 | ▲3.058 | ▲1.983 |
| Forward Price To Earnings Growth Ratio | 2.479 | ▲3.058 | ▲1.983 |
| Price To Earnings Diluted Ratio | 10.764 | ▲0.266 | ▲1.260 |
| Price To Earnings Diluted Growth Ratio | 3.214 | ▲3.767 | ▲2.564 |
| Price To Book Ratio | 1.032 | ▼-0.114 | ▼-0.073 |
| Price To Sales Ratio | 1.973 | ▲0.248 | ▲0.082 |
| Price To Free Cash Flow Ratio | 4.370 | ▲20.257 | ▲5.114 |
| Price To Operating Cash Flow Ratio | 4.243 | ▲21.904 | ▲5.397 |
| Debt To Assets Ratio | 0.013 | ▲0.006 | ▼-0.021 |
| Debt To Equity Ratio | 0.116 | ▲0.040 | ▼-0.344 |
| Debt To Capital Ratio | 0.104 | ▲0.034 | ▼-0.165 |
| Long Term Debt To Capital Ratio | 0.104 | ▲0.034 | ▼-0.135 |
| Financial Leverage Ratio | 8.888 | ▼-1.862 | ▼-3.310 |
| Working Capital Turnover Ratio | -0.168 | ▼-0.065 | ▼-0.067 |
| Operating Cash Flow Ratio | 0.120 | ▲0.130 | ▲0.073 |
| Operating Cash Flow Sales Ratio | 0.465 | ▲0.563 | ▼-0.142 |
| Free Cash Flow Operating Cash Flow Ratio | 0.971 | ▼-0.141 | ▼-0.033 |
| Debt Service Coverage Ratio | 0.506 | ▲0.085 | ▼-0.104 |
| Interest Coverage Ratio | 0.579 | ▲0.112 | ▼-0.924 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-2.655 |
| Operating Cash Flow Coverage Ratio | 2.104 | ▲2.964 | ▲1.335 |
| Capital Expenditure Coverage Ratio | 34.496 | ▲43.456 | ▼-8.780 |
| Dividend Paid And Capex Coverage Ratio | 34.496 | ▲43.456 | ▼-8.780 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 7.660 | ▲1.951 | ▼-0.306 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $267.8M | $223.7M | $140.8M | $156.7M | $140.6M | |
| Enterprise value | $256.3M | $170.5M | $209.8M | $278.1M | $169.8M | |
| EV / Sales | 1.89x | 1.31x | 1.83x | 3.64x | 2.99x | |
| EV / Op. cash flow | 4.06x | -13.46x | 5.65x | 3.33x | 2.40x | |
| EV / Free cash flow | 4.18x | -12.11x | 5.70x | 3.42x | 2.47x | |
| EV / EBITDA | 7.66x | 5.71x | 6.11x | 10.58x | 9.77x | |
| Net debt / EBITDA | -0.34x | -1.78x | 2.01x | 4.62x | 1.68x | |
| Current ratio | 0.15x | 0.06x | 0.24x | 0.26x | 0.36x | |
| Income quality | 2.54x | -0.58x | 1.52x | 4.59x | 5.75x | |
| Graham number | $33 | $30 | $31 | $25 | $23 | |
| Graham net-net | -$145 | -$180 | -$155 | -$151 | -$119 | |
| Tax burden | 79.9% | 80.5% | 77.7% | 76.3% | 79.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$447.1M | -$1.17B | -$1.35B | -$1.16B | -$911.3M | |
| Invested capital | -$422.7M | -$1.14B | -$1.32B | -$1.13B | -$883.1M | |
| Return on assets | 1.1% | 1.0% | 1.2% | 1.0% | 0.8% | |
| Operating ROA | 1.4% | 1.3% | 1.6% | 1.4% | 1.1% | |
| Return on tangible assets | 1.1% | 1.0% | 1.2% | 1.0% | 0.8% | |
| Return on equity | 9.6% | 11.2% | 15.7% | 15.3% | 9.9% | |
| Return on invested capital | -5.6% | 2.5% | 8.8% | 6.3% | 6.6% | |
| Return on capital employed | 1.7% | 3.2% | 12.4% | 8.9% | 8.7% | |
| Earnings yield | 9.3% | 9.8% | 17.4% | 11.6% | 8.8% | |
| Free cash flow yield | 22.9% | -6.3% | 26.2% | 51.9% | 48.9% | |
| Capex / Op. cash flow | 2.9% | -11.2% | 0.8% | 2.6% | 3.1% | |
| Capex / Depreciation | 78.8% | 53.4% | 11.0% | 88.4% | 113.9% | |
| Capex / Sales | 1.3% | 1.1% | 0.3% | 2.8% | 3.9% | |
| SG&A / Sales | 23.3% | 20.8% | 23.2% | 32.0% | 40.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 1.0% | 1.0% | 1.2% | 2.1% | |
| Intangibles / Total assets | 0.3% | 0.3% | 0.3% | 0.4% | 0.5% | |
| Days sales outstanding | 0d | 0d | 73d | 38d | 25d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 73d | 38d | 25d | |
| Cash conversion cycle | 0d | 0d | 73d | 38d | 25d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-19 CoastalSouth Bancshares, Inc. (COSO) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for CoastalSouth Bancshares, Inc. (COSO) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-10-19 CoastalSouth Bancshares, Inc. (COSO) Q3 Earnings and Revenues Surpass Estimates CoastalSouth Bancshares, Inc. (COSO) came out with quarterly earnings of $0.71 per share, beating the Zacks Consensus Estimate of $0.59 per share. This compares to earnings of $0.54 per share a year ago.
- 2026-10-19 CoastalSouth Bancshares, Inc. Reports Earnings for Third Quarter 2026 ATLANTA--(BUSINESS WIRE)--CoastalSouth Bancshares, Inc. reported net income of $8.8 million, or $0.71 per diluted share, for the third quarter of 2026.
- 2026-10-12 CoastalSouth Bancshares, Inc. (COSO) to Report Q3 Results: Wall Street Expects Earnings Growth CoastalSouth Bancshares, Inc. (COSO) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-03 CoastalSouth Bancshares, Inc. (NYSE:COSO) Stock Short Interest Jumps 48.0% CoastalSouth Bancshares, Inc. (NYSE: COSO - Get Free Report) saw a significant growth in short interest in September. As of September 15th, there was short interest totaling 229,473 shares, a growth of 48.0% from the August 31st total of 155,014 shares. Based on an average trading volume of 125,566 shares, the short-interest ratio is presently 1.8