📊 COSO Key Takeaways
Is CoastalSouth Bancshares, Inc. (COSO) a Good Investment?
CoastalSouth Bancshares exhibits severe operational deterioration with catastrophic revenue collapse (-98.4% YoY), negative operating cash flow (-$20.6M), and negative free cash flow (-$21.7M), indicating the company is burning cash from core operations despite reported profitability. Earnings quality is highly suspect given positive net income paired with significant operating cash burn, suggesting accounting anomalies or unsustainable one-time gains. Fundamental financial health has materially weakened despite maintained asset base.
CoastalSouth Bancshares shows solid bottom-line profitability, with net income up 13.6% year over year, ROA of 1.1%, and ROE of 9.6%, which points to a fundamentally profitable community bank with reasonable capital support. However, the reported 98.4% revenue decline and extreme margin figures suggest accounting classification noise or one-off items, making growth quality harder to trust from this dataset alone. The balance sheet appears sound, but the mixed operating trends support a neutral stance until revenue composition and earnings durability are clearer.
CoastalSouth Bancshares, Inc. Key Strengths (COSO)
- Positive net income of $6.3M with 13.6% YoY growth
- Strong asset base of $2.3B providing operational foundation
- Zero long-term debt eliminates refinancing risk
- Net income growth remained positive at 13.6% year over year despite weak reported revenue
- Balance sheet capitalization is reasonable, with $259.53M of equity against $2.31B of assets
- ROA of 1.1% and ROE of 9.6% indicate acceptable core bank profitability
COSO Stock Risks: CoastalSouth Bancshares, Inc. Investment Risks
- Revenue collapsed 98.4% YoY to $519K, indicating severe business deterioration
- Operating cash flow is deeply negative at -$20.6M; company burning cash from operations
- Free cash flow of -$21.7M indicates inability to sustain operations or capital expenditures
- Earnings quality severely compromised: profitable on paper but cash-flow negative
- Extreme profitability margins (1596% operating, 1219% net) suggest data quality issues or unsustainable one-time items
- Severely depressed returns: ROE 2.4%, ROA 0.3% despite reported high net margins
- Reported revenue fell 98.4% year over year, raising concerns about earnings mix and sustainability
- Operating and free cash flow margins are distorted for a bank and may overstate underlying operating strength
- Leverage metrics exclude the economic impact of deposit funding, so headline debt figures understate banking-specific balance sheet risk
Key Metrics to Watch
- Operating cash flow trend - must return to positive sustainability
- Revenue stabilization and growth trajectory
- Reconciliation of net income with operating cash flow divergence
- Return on equity and return on assets improvement
- Net interest income and net interest margin
- Allowance for credit losses and nonperforming assets
CoastalSouth Bancshares, Inc. (COSO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
COSO Profit Margin, ROE & Profitability Analysis
COSO vs Finance Sector: How CoastalSouth Bancshares, Inc. Compares
How CoastalSouth Bancshares, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is CoastalSouth Bancshares, Inc. Stock Overvalued? COSO Valuation Analysis 2026
Based on fundamental analysis, CoastalSouth Bancshares, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
CoastalSouth Bancshares, Inc. Balance Sheet: COSO Debt, Cash & Liquidity
COSO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: CoastalSouth Bancshares, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.09 reflects profitable operations.
COSO Revenue Growth, EPS Growth & YoY Performance
COSO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $497.0K | $5.1M | $0.47 |
| Q3 2025 | $427.0K | $6.7M | $0.54 |
| Q2 2025 | $487.0K | $5.9M | $0.56 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CoastalSouth Bancshares, Inc. Dividends, Buybacks & Capital Allocation
COSO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for CoastalSouth Bancshares, Inc. (CIK: 0001297107)
📋 Recent SEC Filings
❓ Frequently Asked Questions about COSO
What is the AI rating for COSO?
CoastalSouth Bancshares, Inc. (COSO) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are COSO's key strengths?
Claude: Positive net income of $6.3M with 13.6% YoY growth. Strong asset base of $2.3B providing operational foundation. ChatGPT: Net income growth remained positive at 13.6% year over year despite weak reported revenue. Balance sheet capitalization is reasonable, with $259.53M of equity against $2.31B of assets.
What are the risks of investing in COSO?
Claude: Revenue collapsed 98.4% YoY to $519K, indicating severe business deterioration. Operating cash flow is deeply negative at -$20.6M; company burning cash from operations. ChatGPT: Reported revenue fell 98.4% year over year, raising concerns about earnings mix and sustainability. Operating and free cash flow margins are distorted for a bank and may overstate underlying operating strength.
What is COSO's revenue and growth?
CoastalSouth Bancshares, Inc. reported revenue of $519.0K.
Does COSO pay dividends?
CoastalSouth Bancshares, Inc. pays dividends, with $0.6M distributed to shareholders in the trailing twelve months.
Where can I find COSO SEC filings?
Official SEC filings for CoastalSouth Bancshares, Inc. (CIK: 0001297107) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is COSO's EPS?
CoastalSouth Bancshares, Inc. has a diluted EPS of $0.51.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is COSO's fundamental grade?
Based on our AI fundamental analysis in June 2026, CoastalSouth Bancshares, Inc. has a C grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is COSO stock overvalued or undervalued?
Valuation metrics for COSO: ROE of 2.4% (sector avg: 12%), net margin of 1,219.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is COSO's AI grade for 2026?
Our dual AI analysis gives CoastalSouth Bancshares, Inc. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is COSO's free cash flow?
CoastalSouth Bancshares, Inc.'s operating cash flow is $-20.6M, with capital expenditures of $1.1M. FCF margin is -4,181.3%.
How does COSO compare to other Finance stocks?
Vs Finance sector averages: Net margin 1,219.5% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).