COSO
CoastalSouth Bancshares, Inc.Financial Services·Banks - Regional
$25.53
$307M market cap
Revenue
$69.8M
Free Cash Flow
$64.8M
Rev Growth
+0.0%
FCF Margin
92.7%
P/FCF
4.7x
EV/FCF
-1.7x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
CoastalSouth Bancshares, Inc. operates as the bank holding company of CoastalStates Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, such as checking, savings and money market, certificates of deposit, and individual retirement accounts. Its loan products include residential mortgage, home equity loans, cash value line of credit, commercial and government guaranteed lending, and mortgage banker finance, as well as
2-Year Price History
$25.68+46.9%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 34.5 | 8.3 | 8.3 | 6.3 | -20.6 | -20.6 | -0.0 | 417.6 | 0.0 | 12.4 | 29.3% | 0.7x | -- |
| Act | 2025-Q4 | 35.3 | 8.7 | 8.7 | 7.1 | 85.5 | 85.4 | -0.3 | 380.8 | 30.0 | 12.4 | 25.0% | 0.7x | -- |
Valuation & Metrics
Market Stats
Price$25.53
Market Cap$307M
Enterprise Value$-110M
P/S Ratio4.4x
P/FCF4.7x
EV/FCF-1.7x
FCF Margin (TTM)92.7%
FCF Yield21.1%
Dividend Yield (TTM)0.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$69.8M
Net Income$13.5M
Free Cash Flow$64.8M
Revenue Growth (YoY)+0.0%
EBITDA Margin24.4%
Net Margin19.3%
FCF Margin92.7%
CapEx % of Revenue0.5%
SBC % of Revenue1.1%
ROIC27.1%
WC Change % Rev0.0%
Interest Coverage0.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.2M
Days to Cover1.7
Change (vs Prior)+12.7%
Need at least 2 settlement dates for chart
Employees
Headcount183
Revenue / Employee$381,617
Gross Profit / Employee$231,284
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
47.1%(+45.4% YoY)
72 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
11.1%(+11.1% YoY)
8 filers
Vanguard, iShares, SPDR
Market makers
0.0%(+0.0% YoY)
1 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| Patriot Financial Partners GP II, L.P. | $28.5M | $22.79 | +$10.8M | +$28.5M | +6.0% | $388M |
| Fourthstone LLC | $27.1M | $22.84 | +$3.5M | +$27.1M | -1.8% | $590M |
| BlackRock, Inc.Passive | $12.1M | $22.90 | +$4.1M | +$12.1M | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $10.0M | $24.54 | +$10.0M | +$10.0M | — | $4.04T |
| ALLIANCEBERNSTEIN L.P. | $9.2M | $21.72 | −$666K | +$9.2M | -0.3% | $307.70B |
| Berkeley Capital Partners, LLC | $8.9M | $21.20 | −$123K | +$8.9M | -0.2% | $431M |
| MENDON CAPITAL ADVISORS CORP | $8.1M | $22.18 | +$1.6M | +$8.1M | -3.0% | $254M |
| North Reef Capital Management LP | $7.9M | $22.42 | +$1.4M | +$7.9M | -1.3% | $2.91B |
| RMB Capital Management, LLC | $7.4M | $22.18 | +$1.5M | +$7.4M | +0.2% | $5.56B |
| GOLDMAN SACHS GROUP INC | $6.3M | $21.86 | +$457K | +$6.3M | -0.2% | $760.93B |
| ENDEAVOUR CAPITAL ADVISORS INC | $5.9M | $21.72 | −$2.3M | +$5.9M | -1.9% | $441M |
| EJF Capital LLC | $4.7M | $21.72 | −$18.1M | +$4.7M | -5.7% | $142M |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $4.7M | $22.50 | +$1.1M | +$4.7M | +2.3% | $1.61T |
| STATE STREET CORPPassive | $3.1M | $23.80 | +$2.1M | +$3.1M | -0.2% | $2.89T |
| RAFFLES ASSOCIATES LP | $3.0M | $21.72 | +$0 | +$3.0M | -1.2% | $115M |
| KLCM Advisors, Inc. | $2.6M | $23.16 | +$0 | +$2.6M | -0.4% | $1.13B |
| TWO SIGMA INVESTMENTS, LP | $2.5M | $24.54 | +$2.5M | +$2.5M | -0.9% | $117.03B |
| Bleakley Financial Group, LLC | $2.2M | $21.72 | +$1K | +$2.2M | -0.4% | $6.37B |
| BANC FUNDS CO LLC | $2.1M | $16.41 | +$0 | −$4.2M | -1.3% | $537M |
| FIRST MANHATTAN CO | $1.9M | $21.72 | +$0 | +$1.9M | -0.2% | $36.06B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BULLISH
Holders
+0.22%
avg per quarter
Holders (ex-self)
+0.21%
excl. this stock
Buyers (this Q)
+1.59%
57 buyers · $0.05B in
Sellers (this Q)
-4.84%
12 sellers · $0.02B out
alpha coverage: 93% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+2.3%
how holders react when this stock falls
On quiet Qs
-4.6%
−10% to +10% baseline
On rallies (+10%+)
+4.1%
how they react when this stock rises
Holders' portfolio flow this Q
+8.0%
inflows — adds are organic
Sellers' portfolio flow this Q
-14.0%
Sellers shed AUM broadly — partly forced.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-5.9%
Holder mid (any stock)
-3.0%
Holder rally (any stock)
-3.7%
Biggest decreases this quarter
EJF Capital LLC−$18.1Mα-5.7Azora Capital LPexited−$7.2MENDEAVOUR CAPITAL ADVISORS INC−$2.3Mα-1.9CITADEL ADVISORS LLCexited−$966KALLIANCEBERNSTEIN L.P.−$666Kα-0.3JANE STREET GROUP, LLCexited−$300KQuadrature Capital Ltdexited−$241KBerkeley Capital Partners, LLC−$123Kα-0.2LOS ANGELES CAPITAL MANAGEMENT & EQUITY RESEARCH INCexited−$104KAMALGAMATED BANKexited−$4K
New buyers this quarter
Top-5 holders · 48.6%
Patriot Financial Partners GP II, L.P.--
Fourthstone LLC--
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
ALLIANCEBERNSTEIN L.P.--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
Patriot Financial Partners GP II, L.P.1.2MFourthstone LLC1.1MEJF Capital LLC193KALLIANCEBERNSTEIN L.P.398KBerkeley Capital Partners, LLC361KAzora Capital LP—MENDON CAPITAL ADVISORS CORP330KNorth Reef Capital Management LP321KENDEAVOUR CAPITAL ADVISORS INC242KGOLDMAN SACHS GROUP INC258K
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Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$30.001750.0%
Last Year (2 analysts)$29.501560.0%
Current Price$25.53
Analyst Ratings
1
Buy: 1Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$43K
2 txns · 2 insiders · 1,700 sh
Sells ($, 12mo)
$118K
1 txn · 1 insider · 4,558 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-06 | SELL | Valduga Anthony P. | officer: CFO AND COO | 4,558 | $25.84 | $118K | $2.23M |
| 2026-03-09 | BUY | Stone Stephen R. | director, officer: PRESIDENT AND CEO | 200 | $24.15 | $5K | $2.91M |
| 2026-02-10 | BUY | HIGH MICHAEL B | director | 1,500 | $25.14 | $38K | $38K |
Order Flow (FINRA, ~3w lag)
7.2%retail-0.9pp
32.7%dark-1.7pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
COASTALSOUTH BANCSHARES, INC.: Administrative Header Only Filing Precludes Substantive Forensic Analysis
Overall Risk
5/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10