CoastalSouth Bancshares, Inc. (COSO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+30.0%

$36.78

vs $28.29 price

Levered DCF

$97.61

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

0.44

Distress zone

Rating

A-

Overall 4 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	10.38×	10.2×	5.75×	8.61×	11.43×	15.12×	34.86×	-335.88×
P/B	1.03×	1.15×	0.9×	1.32×	1.13×	0.94×	0.98×	0.9×
P/S	1.97×	1.72×	1.23×	2.05×	2.47×	2.2×	2.52×	2.39×
EV / EBITDA	7.66×	5.71×	6.11×	10.58×	9.77×	24.1×	19.62×	77.44×
Gross margin	58.0%	54.6%	62.9%	80.8%	89.3%	79.5%	80.2%	84.3%
Operating margin	22.9%	21.0%	27.5%	31.2%	27.2%	18.7%	9.6%	-1.6%
Net margin	18.3%	16.9%	21.4%	23.8%	21.7%	14.5%	7.2%	-0.7%
Current ratio	0.15×	0.05×	0.24×	0.26×	0.36×	0.15×	0.12×	0.2×
Debt / equity	0.12×	0.08×	0.57×	1.18×	0.36×	1.43×	0.11×	0.01×
Interest coverage	0.58×	0.47×	0.74×	2.48×	3.25×	1.43×	0.66×	-0.17×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	9.6%	11.2%	15.7%	15.3%	9.9%	6.2%	2.8%	-0.3%
Return on invested capital	-5.6%	2.5%	8.8%	6.3%	6.6%	2.5%	2.4%	-0.3%
Return on assets	1.1%	1.0%	1.2%	1.0%	0.8%	0.6%	0.4%	-0.0%
Free cash flow yield	22.9%	-6.3%	26.2%	51.9%	48.9%	-24.1%	-45.0%	5.6%
Earnings yield	9.3%	9.8%	17.4%	11.6%	8.8%	6.6%	2.9%	-0.3%
Enterprise value	$256.3M	$170.5M	$209.8M	$278.1M	$169.8M	$235M	$96M	$22.8M
Net debt / EBITDA	-0.34×	-1.78×	2.01×	4.62×	1.68×	14.22×	1.08×	-128.96×
Cash conversion cycle (days)	0	0	73	38	25	31	22	32