CoastalSouth Bancshares, Inc. (COSO)

NYSE: COSO · State Commercial Banks · Atlanta, GA · filing with the SEC since 2004

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Grade5.1

◀ Past 4.9● Present 4.8▶ Future 5.9

4 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of CoastalSouth Bancshares, Inc.

Nine metrics read from its own filings, by tense

Headline grade

5.1/10

◀ Past4.940% of the headline

● Present4.835% of the headline

▶ Future5.925% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 5 read as filed from the record and 4 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

4.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 78th percentile among 165 sector filers · read for itself

From the record

CoastalSouth Bancshares, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

SI estimate

4.9/10

What has it actually done, year after year?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 152 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: Fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 152 members with one.
What the record cannot read: Fewer than three filed years of revenue on file.
How it was reasoned: family median, 152 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CoastalSouth Bancshares, Inc.'s track record is put at 4.9 of 10 with a confidence of 20 of 100, because fewer than three filed years of revenue on file, so the desk assumes the typical reading of its industry family, the median of 152 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Shareholder treatment

as filed

0.8/10

How has it treated the people who own it?

Share count grew 10.0% a year. 0% of cash flow returned. Insiders: 6 sales, 4 purchases.

weight 33% of this tense · 8th percentile among 157 sector filers · read for its shareholders

From the record

Over the fiscal year to 2025-12-31, CoastalSouth Bancshares, Inc.'s diluted share count grew about 10.0% a year, and dividends and buybacks returned about 0% of its operating cash flow over 2 years (its filed statements). Its officers and directors filed 6 sales (1 under scheduled 10b5-1 plans) and 4 purchases of their own stock on the open market in the year to 2026-11-04, buying about $52 thousand (their Form 4 filings).

What it rests on

the share count over the yearsbottom 11% of its family
cash returned against operating cash flowbottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.8/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

4.1/10

Is it financially healthy right now?

ROE 10%: 10¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.

weight 45% of this tense · 41st percentile among 161 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, CoastalSouth Bancshares, Inc. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 10.0% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 43% of its family
return on equitybottom 48% of its family
the share count against the year beforebottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

3.6/10

How strong is its position in its industry?

bottom 36% of 155 in its family; net margin 1254%.

weight 33% of this tense · 36th percentile among 155 sector filers · read for its customers

From the record

CoastalSouth Bancshares, Inc.'s standing among 155 graded names in its industry family: revenue of $2 million in fiscal 2025 ranks in the bottom 1% by size; a net margin of 1254% ranks in the top 1%; revenue growth of 6.4% a year over the last 1 filed years ranks in the bottom 10% (its annual reports).

What it rests on

revenue against the family$2.0Mbottom 1% of its family
net margin1254.0%top 1% of its family
three-year revenue growth6.4%bottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

8.0/10

What are the people in charge doing?

SI estimate 8.0/10, confidence 35 of 100 (one part).

weight 22% of this tense · 80th percentile among 160 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 20% of 160 in its family; the record of its people begins on 2025-07-01 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2025-07-01 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 160 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CoastalSouth Bancshares, Inc.'s leadership is put at 8.0 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 20% of 160 in its family; the record of its people begins on 2025-07-01 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.9/1025% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

as filed

7.7/10

How much room does it have to grow?

top 23% of 142 in its family for room to expand.

weight 33% of this tense · 77th percentile among 142 sector filers · read for itself

From the record

CoastalSouth Bancshares, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $80 million against no long-term debt tagged leaves 3.5% of its assets as net cash, top 47% of its family; cash from operations less capital spending is 3088.1% of revenue (top 1%) (its annual report).

What it rests on

cash less debt against assets3.5%top 47% of its family
cash from operations less capital spending against revenue3088.1%top 1% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

SI estimate

4.9/10

What could actually drive growth from here?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 152 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 152 members with one.
What the record cannot read: The record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending.
How it was reasoned: family median, 152 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CoastalSouth Bancshares, Inc.'s growth drivers is put at 4.9 of 10 with a confidence of 20 of 100, because the record does not carry three filed years of revenue and two of the four parts: acceleration, the newest year's growth, the growth of research and of capital spending, so the desk assumes the typical reading of its industry family, the median of 152 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

Expectations vs reality

SI estimate

5.1/10

Did its newest year beat what its own record pointed to?

SI estimate 5.1/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 150 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 150 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 150 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CoastalSouth Bancshares, Inc.'s expectations vs reality is put at 5.1 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 150 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton COSO · research, not advice