COSO - NYSE

CoastalSouth Bancshares, Inc.

COSO·NYSE

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$304.98M

EPS2.2400

P/E Ratio11.31

Earnings Date07/27/2026

2.31B

Assets

10%

3Y+26.0%

5Y+101.0%

10Y+458.0%

2.05B

Total Liabilities

3Y+19.0%

5Y+96.0%

10Y+5308.0%

259.53M

Total Equity

33%

3Y+118.0%

5Y+154.0%

10Y+659.0%

CoastalSouth Bancshares, Inc. Funding & Solvency Profile

COSO · NYSE

Current Assets

Cash & Cash Equivalents41.54M

Net Receivables0.00

Inventory0.00

Other Current Assets-301.03M

Total Current Assets80 M

Non-Current Assets

Property, Plant & Equipment18.12M

Goodwill & Intangible Assets6.26M

Long-Term Investments0.00

Other Non-Current Assets-40.75M

Total Non-Current Assets-22632000

Total Assets

2.31B

Financial Health Analysis

Current Ratio

0.15x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.89x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-447104000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

CoastalSouth Bancshares, Inc. Balance Sheet

COSO • NYSE

CoastalSouth Bancshares, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	41.5M	68M	19.6M	19.3M	15.3M	7.4M	4.7M	38.5M	96.8M	19.2M	15.7M
Short-Term Investments	339.3M	0.0	383.7M	375.8M	502.2M	119.6M	61.4M	59.9M	54.8M	41.6M	0.0
Cash & Short-Term Investments	380.8M	68M	403.3M	395.1M	517.6M	127M	66.1M	98.4M	151.6M	60.8M	15.7M
Net Receivables	0.0	0.0	22.8M	7.9M	3.9M	3.8M	2.4M	0.0	0.0	0.0	0.0
Accounts Receivables	0.0	0.0	20M	7.9M	3.9M	3.8M	2.2M	2.1M	2M	2.9M	0.0
Other Receivables	0.0	0.0	2.8M	0.0	0.0	0.0	0.0	194K	71K	850K	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	-54.1M	-72.9M	-152.8M	-49.2M	0.0
Prepaids	0.0	0.0	1.7M	1.4M	1.3M	957K	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-301M	0.0	0.0	0.0	0.0	0.0	54.1M	0.0	0.0	0.0	28.6M
Total Current Assets	79.8M	68M	427.9M	404.3M	522.9M	131.7M	68.5M	100.7M	153.7M	64.6M	28.6M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	18.1M	21.8M	21.6M	23.3M	20.6M	18.5M	14.9M	12M	1.2M	1.7M	1.6M
Goodwill	6.3M	4.7M	4.7M	4.7M	4.7M	4.7M	4.7M	4.7M	0.0	0.0	0.0
Intangible Assets	0.0	1.7M	1.8M	2.2M	2.9M	1.6M	1.7M	1.6M	0.0	0.0	468.8K
Goodwill & Intangible Assets	6.3M	6.4M	6.5M	6.9M	7.6M	6.3M	6.4M	6.3M	49.6M	32.7M	468.8K
Long-Term Investments	0.0	0.0	1.5B	1.3B	805.6M	810.6M	62.5M	60.6M	58.5M	43.6M	38.3M
Tax Assets	16.4M	0.0	21.2M	21.8M	14.5M	10.1M	11.1M	12.2M	10.1M	12.6M	13.2M
Other Non-Current Assets	-40.8M	2B	77.9M	41.7M	240.5M	170.3M	-11.1M	-12.2M	-59.6M	-45.3M	329.6M
Total Non-Current Assets	0.0	2B	1.6B	1.4B	1.1B	1B	83.8M	79M	59.6M	45.3M	383.1M
Other Assets	2.2B	0.0	0.0	0.0	0.0	0.0	556.2M	404.4M	318.6M	303.6M	0.0
Total Assets	2.3B	2.1B	2B	1.8B	1.6B	1.1B	708.5M	584.1M	532M	413.5M	411.7M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	278.4K
Short Term Debt	0.0	0.0	24M	18M	10M	0.0	0.0	0.0	105.2M	0.0	15M
Other Current Liabilities	526.9M	1.2B	1.8B	1.5B	1.4B	891.6M	339.3M	0.0	-105.2M	0.0	146.5M
Total Current Liabilities	526.9M	1.2B	1.8B	1.6B	1.4B	891.6M	339.3M	280.4M	351.3M	160.1M	161.8M
NON-CURRENT LIABILITIES
Long Term Debt	30M	14.7M	64.7M	122.7M	34.6M	146M	10M	500K	500K	35M	37.9M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	9.6M	409K	75.4M	36.7M	176.2M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	359K	91K	70K	1.1M	1.4M
Other Non-Current Liabilities	-30M	1.9B	33.2M	27.4M	18M	8M	-10M	-500K	-500K	-35M	176.5M
Total Non-Current Liabilities	0.0	1.9B	97.9M	150M	52.6M	154M	10M	500K	75.5M	37.9M	215.8M
Other Liabilities	1.5B	-1.2B	0.0	0.0	0.0	0.0	-339.3M	-280.4M	-351.3M	-160.1M	0.0
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	185K	0.0	0.0	0.0	0.0
Total Liabilities	2B	1.9B	1.9B	1.7B	1.5B	1B	10M	500K	75.5M	37.9M	377.6M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.5M	16.5M
Common Stock	12M	10.3M	9.5M	9M	8.6M	8M	8M	6.4M	5.7M	36.6M	36.6M
Additional Paid-In Capital	189.9M	158.8M	145.9M	136.6M	131.8M	121.8M	120.8M	101.6M	90.7M	1.1M	1.1M
Retained Earnings	66.9M	42M	20.1M	-86K	-18.3M	-30.6M	-37M	-39.6M	-39.5M	-19.6M	-21M
Accumulated Other Comprehensive Income/Loss	-9.2M	-15.8M	-19.5M	-26.7M	2.8M	2.8M	547K	-590K	170K	-508K	-392K
Total Stockholders' Equity	259.5M	195.2M	156M	118.8M	124.9M	102M	92.3M	67.8M	57.1M	34.2M	32.8M
Total Equity	259.5M	195.2M	156M	118.8M	124.9M	102M	92.3M	67.8M	57.1M	34.2M	32.8M
SUMMARY
Total Liabilities & Equity	2.3B	2.1B	2B	1.8B	1.6B	1.1B	708.5M	584.1M	532M	413.5M	410.4M
Total Investments	339.3M	0.0	1.9B	1.7B	1.3B	930.2M	123.9M	120.5M	113.3M	85.2M	38.3M
Total Debt	30M	14.7M	88.7M	140.7M	44.6M	146M	10M	500K	75.5M	37.9M	52.9M
Net Debt	-11.5M	-53.2M	69.1M	121.4M	29.2M	138.6M	5.3M	-38M	-21.3M	18.6M	37.2M
Shares Outstanding	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666	11,977,666

SEC Filings

COSO - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 01, 2026	April 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 20, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	March 13, 2026	December 31, 2025	2025	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 04, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 20, 2026	January 20, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 19, 2025	November 18, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 16 filings

Related Guides

Blog Categories

Continue your COSO research with focused valuation guides.

Fundamentals

Decode statement quality and operating durability.

Accounting

Interpret line items with cleaner analytical framing.

Forecasting

Translate historical performance into forward scenarios.

Reference

Use practical frameworks for statement-led valuation.

Research Paths

Pick your next lens

Snapshot

Start with context, operating signals, and key market metrics.

Value Model

Stress test fair value across bear, base, and bull assumptions.

Statements

Validate revenue quality, margins, and balance sheet durability.

Earnings Call

Read management commentary and compare it with reported outcomes.

Dividends

Check payout sustainability and long-term distribution behavior.

Analyst Expectations

Review consensus spread and where estimate risk is concentrated.