CoastalSouth Bancshares, Inc.

CoastalSouth Bancshares, Inc.

COSOยทNYSE

$25.34

-1.6%
Financial ServicesBanks - Regional

CoastalSouth Bancshares, Inc. operates as the bank holding company of CoastalStates Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, such as checking, savings and money market, certificates of deposit, and individual retirement accounts. Its loan products include residential mortgage, home equity loans, cash value line of credit, commercial and government guaranteed lending, and mortgage banker finance, as well as debit and credit cards. The company also offers customized and private banking, treasury management, and digital and telephone banking services. It operates retail banking branches in Hilton Head Island/Bluffton, South Carolina; Savannah, Georgia; and north metro Atlanta, Georgia. The company was incorporated in 2003 and is headquartered in Hilton Head Island, South Carolina.

At a Glance

Live Snapshot
Market Cap$304.98M
EPS2.2400
P/E Ratio11.31
Earnings Date07/27/2026
CoastalSouth Bancshares, Inc.

CoastalSouth Bancshares, Inc. Fair Value Envelope

COSO ยท NYSE

Our analysis suggests that COSO has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $25.34, this represents a potential HIDDEN relative to our calculated worth for CoastalSouth Bancshares, Inc..

Intrinsic Value
Current Price: $25.34

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$570.6B
+ Cash & Equivalents$41.5M
Firm Value$570.7B
- Debt$30.0M
Equity Value$570.7B
/ Shares Outstanding11,977,666B
DCF Value$47.6K
UNDERVALUED BY 187917%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$126.3M
$252.5M
$505.0M
$1.0B
$2.0B
$4.0B
$8.1B
$16.2B
$32.3B
$64.6B
Maintenance CapEx
-$732.0K
-$1.5M
-$2.9M
-$5.9M
-$11.7M
-$23.4M
-$46.8M
-$93.7M
-$187.4M
-$374.8M
Owner Earnings
$125.5M
$251.0M
$502.1M
$1.0B
$2.0B
$4.0B
$8.0B
$16.1B
$32.1B
$64.3B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$116.2M
$215.2M
$398.6M
$738.1M
$1.4B
$2.5B
$4.7B
$8.7B
$16.1B
$29.8B
Terminal Value represents 88.7% of Enterprise Value