COASTALSOUTH BANCSHARES INC (COSO)
Financials · Regional Banking · NYSE
A community-focused bank holding company specializing in commercial lending and banking services for small to mid-sized businesses and real estate investors.
What COASTALSOUTH BANCSHARES INC does
CoastalSouth Bancshares, Inc. is a bank holding company that operates through its subsidiary, Coastal States Bank. The company provides a range of commercial and consumer banking products and services, with a primary focus on serving small and mid-sized businesses, real estate developers, and investors in its local market areas. Its lending activities include commercial real estate, construction and development, commercial and industrial, and SBA-guaranteed loans.
Themes: commercial banking, real estate lending, small business banking, SBA lending, community banking
Fundamentals
- Price$27.39 as of 2026-08-21 close
- Market cap$327M as of 2026-08-21
- 1-year return+28.8% 2025-08-21 close $21.26 → 2026-08-21 close $27.39
- P/E12.79 as of 2026-08-24
- Net margin+19.8% as of 2026-08-24
- ROE+10.7% as of 2026-08-24
- Debt / equity7.82 as of 2026-08-24
- Revenue growth (YoY)+5.1% as of 2026-08-24
- Beta0.05 as of 2026-08-24
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
How COSO compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating margintop 10% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How COASTALSOUTH BANCSHARES INC looks technically
COASTALSOUTH BANCSHARES INC (COSO) is trading 10.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 266 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 33, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative). It made a new 20-day high about 11 trading days ago. It is 4.1% below its all-time high. Trading volume is running unusually high — about 4.0× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 10.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $27.06 | $27.06 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $24.87 | $24.87 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 28.56. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 266 trading days ago — a "golden cross", a bullish long-term signal | 266 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 33, with buyers in control | 33.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30) | 50.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($26.58 to $28.56) — its "stochastic" reading is 41 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 40.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 3 trading days ago (its momentum flipped negative) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $28.56 | $28.56 |
|---|---|---|
| From the 52-week high | it is 4.1% below its 52-week high (its highest price of the past year) | -4.1% |
| Above the 52-week low | it is 38.7% above its 52-week low (its lowest price of the past year) | +38.7% |
| Below the 52-week high | it is 4.1% below its highest point of the past year | 4.1% |
| Since a 20-day breakout | it made a new 20-day high about 11 trading days ago | 11 sessions |
| Since a 55-day breakout | it made a new 55-day high about 11 trading days ago | 11 sessions |
| All-time high | its highest closing price on record is $28.56 (set on 2026-08-10) | $28.56 |
| Given back of the 52-week move | over the past year its closes ranged ($20.04 to $28.04), and it has given back only a small part of its rise from last year’s low — 8% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $22.84 to $23.10. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 8.1% |
| From the all-time high | it is 4.1% below its all-time high | -4.1% |
| Nearest price level | it is trading 0.5% below a resistance level at $27.54 — a price it turned at twice since 2026-06-11, most recently on 2026-07-16. Since 2024-08-21 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.5% |
| All-time low | its lowest closing price on record is $9.02 (set on 2020-04-20) | $9.02 |
| Above the all-time low | it is 203.7% above its all-time low | +203.7% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 79% of it) | 21st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6498 between its high and its low — about 2.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6498 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $26.93 and $28.15 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $26.93 – $27.54 – $28.15 |
| Typical daily range (% of price) | its price moves about 2.4% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.4% |
| Stretch from the 200-day average | it is trading 3.9 daily ranges above its 200-day average price (10.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 4.0× its 30-day average, a sign of heightened interest | 3.96× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating has improved toward "buy" since the prior reading | 0.50 toward buy |
Candlestick patterns
2
| Since a doji | 8 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 8 sessions ago |
|---|---|---|
| Since a bearish engulfing | 9 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 9 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.2% |
|---|---|---|
| Open gap | it gapped 3.0% above the previous close 48 sessions ago and has not traded back through the level it left behind at 26.02 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.0% |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.37% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 0.5 percentage points (the stock gained 2.8% while the market gained 2.3%) | +0.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.2 percentage points (the stock gained 7.3% while the market gained 3.1%) | +4.2% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 2.2 percentage points (the stock gained 8.8% while the market gained 11.1%) | -2.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 8.4 percentage points (the stock gained 28.8% while the market gained 20.5%) | +8.3% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.8% of the share price, which is taken to mean a barrier that gives way easily. | +2.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 6% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $25.77 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | +6.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is sitting right on the average price paid since it last reported on 2026-07-20 (its 8-K), so the typical buyer over that stretch is roughly break-even. That average is $27.43 — a volume-weighted average of daily closes over 25 sessions, not a true tick-by-tick VWAP. | -0.1% |
Price levels it has turned at before
COSO last closed at $27.39 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $27.54 | Resistance | 0.5% above the last close | turned there twice · 2026-06-11 to 2026-07-16 |
| $26.14 | Support | 4.6% below the last close | turned there 7 times · 2026-02-11 to 2026-07-23 |
| $24.90 | Support | 9.1% below the last close | turned there 7 times · 2025-12-29 to 2026-06-03 |
| $24.17 | Support | 11.8% below the last close | turned there twice · 2025-09-08 to 2025-09-19 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $28.56.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 3 trading days, since 2026-08-19.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Unusually heavy trading volume · MACD just crossed bearish (12/26/9) · in a strong, established uptrend (ADX) · Near the all-time high · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · all time high · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$31.00 range $31.00 – $31.00
Analyst estimates, as of 2026-08-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for COSO
- Consensus EPS estimate$0.6 next reporting period, as of 2026-08-19
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration of the loan portfolio in real estate loans, making the bank sensitive to changes in real estate prices and market liquidity.","Liquidity risk, particularly the potential for accelerated deposit outflows driven by digital banking or social media-driven concerns.","Sensitivity to interest rate fluctuations which can impact net interest margins and the fair value of financial instruments."]
What changed in the latest 10-Q
AI-assisted comparison of COSO's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Reworded:
- Page number for 'Management's Discussion and Analysis of Financial Condition and Results of Operations' changed from 34 (filed 2025-11-07) to 29 (filed 2026-05-08)
- Page number for 'Quantitative and Qualitative Disclosures About Market Risk' changed from 63 (filed 2025-11-07) to 54 (filed 2026-05-08)
- Page number for 'Controls and Procedures' changed from 64 (filed 2025-11-07) to 55 (filed 2026-05-08)
- Page number for 'PART II. OTHER INFORMATION' changed from 64 (filed 2025-11-07) to 55 (filed 2026-05-08)
- Page number for 'Legal Proceedings' changed from 64 (filed 2025-11-07) to 55 (filed 2026-05-08)
- Notes:
- Only page number references changed; section titles and structure remain identical
- Changes reflect document pagination differences between the two filing periods
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days.
- Last 180 days1 buy ($4830) · 1 sell ($117779) — 1 buying, 1 selling insiders
Most recent open-market transaction: 2026-05-06. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about COSO's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
3 institutional 13F filers reported holding COSO as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 3
- Reported shares held 618,475
- Reported value $15,208,301
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 2 increased, 0 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
COSO had 118,694 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
COSO had 0.99% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 1.72 days to cover at the same settlement.
- Reported short interest (shares) 118,694
- Short interest (% of shares outstanding) 0.99%
- Prior settlement (shares) 103,347
- Reported change 14.85%
- Days to cover (reported) 1.72
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Synovus Financial (SNV)
- SouthState Corporation (SSB)
- United Community Banks (UCB)
- Pinnacle Financial Partners (PNFP)
- Renasant Corporation (RNST)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does COASTALSOUTH BANCSHARES INC (COSO) do?
CoastalSouth Bancshares, Inc. is a bank holding company that operates through its subsidiary, Coastal States Bank. The company provides a range of commercial and consumer banking products and services, with a primary focus on serving small and mid-sized businesses, real estate developers, and investors in its local market areas. Its lending activities include commercial real estate, construction and development, commercial and industrial, and SBA-guaranteed loans.
What sector is COASTALSOUTH BANCSHARES INC (COSO) in?
COASTALSOUTH BANCSHARES INC (COSO) is classified in the Financials sector. Its industry is Regional Banking. It trades on NYSE.
Who are COASTALSOUTH BANCSHARES INC's (COSO) competitors?
Notable peers of COASTALSOUTH BANCSHARES INC (COSO) include Synovus Financial, SouthState Corporation, United Community Banks, Pinnacle Financial Partners and Renasant Corporation. This peer set is informational only — not financial advice.
Is COASTALSOUTH BANCSHARES INC (COSO) overbought or oversold right now?
COASTALSOUTH BANCSHARES INC (COSO) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 51, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on COSO come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.