CoastalSouth Bancshares, Inc.
CoastalSouth Bancshares, Inc. Fundamental Analysis
CoastalSouth Bancshares, Inc. (COSO) shows moderate financial fundamentals with a PE ratio of 12.06, profit margin of 18.91%, and ROE of 10.66%. The company generates $0.1B in annual revenue with moderate year-over-year growth of 4.68%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze COSO's fundamental strength across five key dimensions:
Efficiency Score
WeakCOSO struggles to generate sufficient returns from assets.
Valuation Score
ModerateCOSO shows balanced valuation metrics.
Growth Score
WeakCOSO faces weak or negative growth trends.
Financial Health Score
ModerateCOSO shows balanced financial health with some risks.
Profitability Score
ModerateCOSO maintains healthy but balanced margins.
Key Financial Metrics
Is COSO Expensive or Cheap?
P/E Ratio
COSO trades at 12.06 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, COSO's PEG of 6.75 indicates potential overvaluation.
Price to Book
The market values CoastalSouth Bancshares, Inc. at 1.20 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.95 times EBITDA. This is generally considered low.
How Well Does COSO Make Money?
Net Profit Margin
For every $100 in sales, CoastalSouth Bancshares, Inc. keeps $18.91 as profit after all expenses.
Operating Margin
Core operations generate 23.72 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.66 in profit for every $100 of shareholder equity.
ROA
CoastalSouth Bancshares, Inc. generates $1.11 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CoastalSouth Bancshares, Inc. generates strong operating cash flow of $61.98M, reflecting robust business health.
Free Cash Flow
CoastalSouth Bancshares, Inc. generates strong free cash flow of $60.82M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.07 in free cash annually.
FCF Yield
COSO converts 20.89% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.06
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
6.75
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.20
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.20
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.30
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How COSO Stacks Against Its Sector Peers
| Metric | COSO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.06 | 18.99 | Better (Cheaper) |
| ROE | 10.66% | 821.00% | Weak |
| Net Margin | 18.91% | 1914.00% | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.30 | 657.31 | Weak Liquidity |
| ROA | 1.11% | -25084.00% (disorted) | Weak |
COSO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CoastalSouth Bancshares, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
113.95%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
170.22%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
314.34%
Industry Style: Value, Dividend, Cyclical
High Growth