COSO · CoastalSouth Bancshares, Inc.
$27.39
+0.14 (+0.51%)
At close · Aug 21
Market Cap
$325.76M
Shares
11.95M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$27.39
Open$27.31
Day$27.10–27.73
52W close$21.09–28.04
Avg vol 30d83K
Short int119K · 1.0% float · 1.7d
Short vol41%
DataMay 2025–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
+1%
above
RSI (14)
51
neutral
MACD trend
Negative
52-week position
91%
near high
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+11%
trailing
YTD return
+18%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $27 › 200d $25 — 50d above 200d
Institutional flow
Accumulating
+19% holders QoQ · +24 funds added
Insider flow
Distributing
Net -$27.9K over 90 days · 100% sells
Short interest
Rising
0.99% of float · ▲ +14.8% MoM · 1.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
99 holders — near 3-yr high, broad support
Squeeze score
46
elevated · 0–100
Fundamentals
Revenue growth
+6%
Y/Y
EPS growth
+3%
Y/Y
Free cash flow
$61.3M
Valuation
P/E 12.3
below peers
Buyback
$15.0M
authorized
Quant / Vol
risk profile
Volatility
20%
annualized · 1-yr
Max drawdown
−12%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
51
Neutral
MACD trend
Negative
Bearish
52-week position
91%
Bullish
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $27 › 200d $25 — 50d above 200d
Institutional flow
Accumulating
+19% holders QoQ · +24 funds added
Insider flow
Distributing
Net -$27.9K over 90 days · 100% sells
Short interest
Rising
0.99% of float · ▲ +14.8% MoM · 1.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
99 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $21
Now $27 · 91%
Range high $28
vs 200-day avg +10%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 1-year CAGR for TBV/Share | 10.4% | Q2 2026 | — |
| 1-year CAGR for Total Loans | 23.4% | Q2 2026 | — |
| ACL on LHFI to nonperforming loans | 108.16% | the second quarter of 2026 | — |
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| ADC Concentration ratio | 56% | Q2 2026 | — |
| Adj. Non-Performing Assets / Total Assets non-GAAP | 1.24% | Q2 2026 | — |
| Adjusted nonperforming assets non-GAAP | 14.78M | As of June 30, 2026 | — |
| Adjusted nonperforming assets to total assets non-GAAP | 0.61% | As of June 30, 2026 | — |
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| Average core deposits non-GAAP | $1.79B | As of June 30, 2026 | — |
| Average core deposits % of average total deposits non-GAAP | 88% | Q2 2026 | — |
| Average loan size | 1.6M | Q2 2026 | — |
| Book value per share | $22.47 | the second quarter of 2026 | — |
| Book value per share growth | $0.53 | the second quarter of 2026 | — |
| Community Bank loan production % of total LHFI production | 74% | Q2 2026 | — |
| Core deposits non-GAAP | 1.79B | As of June 30, 2026 | — |
| CRE Concentration ratio | 238% | Q2 2026 | — |
| CRE nonperforming loans | 14.3M | Q2 2026 | — |
| CRE nonperforming loans % of total LHFI | 0.85% | Q2 2026 | — |
| Cycle-to-date total deposit beta | 39% | Q2 2026 | — |
| Cycle-to-date total loans beta | 29% | Q2 2026 | — |
| Efficiency ratio | 58.5% | Q2 2026 | — |
| Gain on sale of government guaranteed loans | 307K | Q2 2026 | — |
| Gain on sale of marine loans | 230K | Q2 2026 | — |
| Higher risk loans (special mention plus substandard accruing) | 68 | Q2 2026 | — |
| LHFI growth (annualized) | 19.3% | the second quarter of 2026 | — |
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| LHFI production | $181.6M | the second quarter of 2026 | — |
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| LHFI scheduled to reprice in the next 3 months | 46.8% | Q2 2026 | — |
| LHFI scheduled to reprice or mature in the next twelve months | 53.9% | Q2 2026 | — |
| LHFI scheduled to reprice or mature in the next twelve months (USD) | 916.9M | Q2 2026 | — |
| MTD Average deposit balances sourced from Specialty Lines of Business | 55.2M | Q2 2026 | — |
| Net charge-offs to average loans held for investment | 0.01% | the second quarter of 2026 | — |
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| Net interest margin | 3.66% | the second quarter of 2026 | — |
| Non-owner-occupied office loans | 32M | Q2 2026 | — |
| Non-owner-occupied office loans % of total LHFI | 1.88% | Q2 2026 | — |
| Noninterest-bearing and interest-bearing transaction accounts % of average total deposits | 26.5% | Q2 2026 | — |
| Nonperforming assets to total assets | 0.76% | the second quarter of 2026 | — |
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| Number of branches | 11 | Q2 FY2026 | — |
| Number of full-time equivalent employees | 201 | Q2 FY2026 | — |
| Pre-tax, pre-provision net revenue (PPNR) non-GAAP | 18.16M | Six Months Ended June 30, 2026 | — |
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| QoQ TBV per Share Annualized Growth non-GAAP | 11.23% | Q2 2026 | — |
| QTD GGL loan production | 7.6M | Q2 2026 | — |
| Return on average assets ("ROAA") | 1.24% | the second quarter of 2026 | — |
| Return on average equity ("ROAE") | 11.02% | the second quarter of 2026 | — |
| Return on average tangible common equity non-GAAP | 10.57% | Six months ended June 30, 2026 | — |
| Return on average tangible common equity (ROATCE) non-GAAP | 11.23% | Q2 FY2026 | — |
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| Return on average tangible common shareholders' equity non-GAAP | 10.57% | Six Months Ended June 30, 2026 | — |
| Shares repurchased | 48,491 | the second quarter of 2026 | — |
| Tangible assets non-GAAP | 2.42B | As of June 30, 2026 | — |
| Tangible book value per common share non-GAAP | $22.06 | As of June 30, 2026 | — |
| Tangible Common Equity non-GAAP | 264.77M | As of June 30, 2026 | — |
| Tangible common equity to tangible assets non-GAAP | 10.96% | As of June 30, 2026 | — |
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| Total allowance for credit losses on LHFI to nonaccrual loans | 108.16% | As of June 30, 2026 | — |
| Total allowance for credit losses on LHFI to total LHFI | 1.16% | As of June 30, 2026 | — |
| Total allowance for credit losses on LHFI to total nonperforming loans | 108.16% | As of June 30, 2026 | — |
| Variable rate structures of LHFI repricing within one quarter | 44.5% | Q2 2026 | — |
| Weighted average coupon for new production | 6.67% | Q2 2026 | — |
| Weighted average yield for the LHFI portfolio | 6.25% | Q2 2026 | — |
| Weighted-average price per share | $25.48 | the second quarter of 2026 | — |
| Core deposits growth non-GAAP | 117.9M | first quarter of 2026 | — |
| LHFI growth | 9.9M | first quarter of 2026 | — |
| Tangible book value per share growth non-GAAP | $0.27 | first quarter of 2026 | — |
| Tangible book value per share growth (annualized) non-GAAP | 5.15% | first quarter of 2026 | — |
| Adjusted return on average assets (Adj. ROAA) non-GAAP | 1.13% | Year Ended December 31, 2025 | — |
| Adjusted return on average equity non-GAAP | 10.95% | Year Ended December 31, 2025 | — |
| Efficiency ratio, as adjusted non-GAAP | 55.34% | Q4 FY2025 | — |
| Tangible book value per share non-GAAP | $21.25 | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
COSO
this stock
CoastalSouth Bancshares, Inc.
|
$325.76M | +17.8% | +6.4% | 12.3 | 1.0% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| COSO | -1.5% | +1.1% | +10.9% | +0.4% | +17.8% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -0.1% | -2.5% | -0.7% | -2.1% | +5.5% |
Capital returns
Latest dividend
$0.05
/ share · ex Aug 13, 2026
Paid (TTM)
$0.15
/ share · 3 payouts
Dividend yield (TTM, derived)
0.55%
Buyback program
· as of May 1, 2026
Authorized
$15.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1297107
CUSIP
19058X207
13F (30d)
94 filings
93 filers
Visit website
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