CoastalSouth Bancshares, Inc.
COSOFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
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 carries a $329.3M market cap, placing it firmly in the small-cap category. The company accepts various deposits, including checking, savings, money market, and certificates of deposits, as well as demand deposits accounts and interest-bearing products.
Market Cap
$329.3M
Beta
0.00
P/E (TTM)
12.30
P/E (Fwd)
10.39
EPS (TTM)
$2.20
EPS (Fwd)
$2.60
ROE
11.3%
ROA
1.1%
Cash
$68.5M
Total Debt
$6.4M
Free CF
—
52W Change
27.9%
Annual Financials
Cash vs Debt
With $68.5M in cash and $6.4M in debt, COSO maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 11.3% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $63.3M (2022) to $81.0M (2025), reflecting a 28% increase over the period.
COSO's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, COSO has financial flexibility that may help navigate uncertain periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing COSO.