CoastalSouth Bancshares
COSO on NYSE. CoastalSouth Bancshares, Inc. sells banking services to customers in the southeastern United States. Market value $322m.
Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.
We can't read total debt from the filing, so debt is left out.
Should I look at this?
Not a fit for our list right now
Why it could be worth it
Nothing stands out yet.
What to watch out for
See Financial services stocks that passed both tests
This is not advice. Check the numbers below.
We don't have this figure for this company.
What you pay for each dollar of net assets: $1.20.
Profit per $100 you pay: $8.53.
Quality score: not known. Price score: 95 of 100. Our list needs 70 on quality and 60 on price.
$27.00 a share, 30% above its 1-year low
Over the past year the price has ranged from $20.80 to $28.56.
Pays no dividend
Prices from Tuesday’s close (6 October).
Five years of cash, in billions
| Revenue | |
| Revenue | $2m |
| Operating margin | |
| Operating margin | n/a |
| Debt to equity | |
| Debt to equity | n/a |
| Shares outstanding | |
| Shares outstanding | 0.01bn |
Health checks
- Free cash flow positiveDoesn't apply to banks and insurers
- Accounting checksDoesn't apply to banks and insurers
- DebtDoesn't apply to banks and insurers
- Revenue growth, five yearsUnknown
- Buying back its own sharesRoughly flat
The quarter to June 2026
How the business did, compared with the same quarter a year earlier.
- Sales: $509,000 last quarter, up 5% on a year ago.
- Profit: $7 million, up 23% on a year ago.
- 17% more shares than a year ago. Each share owns a bit less of the company.
| Quarter to | Amount |
|---|---|
| June 2025 | $487,000 |
| September 2025 | $464,000 |
| December 2025 | $537,000 |
| March 2026 | $519,000 |
| June 2026 | $509,000 |
| Quarter to | Amount |
|---|---|
| June 2025 | $6m |
| September 2025 | $7m |
| December 2025 | $7m |
| March 2026 | $6m |
| June 2026 | $7m |
From the company's quarterly reports to the SEC.
Dates
- Next results (estimated)
- n/a
- Last annual report (10-K)
- 12 March 2026
- Next quarterly (estimated, 10-Q)
- 6 November 2026
Who owns it
1 long-term investor we follow owns it, unchanged from 1 last quarter. 101 funds in all.
- First Manhattan Co.First Manhattan partners
- Value
- $2m
- Share of fund
- <0.1%
| Fund | Value | Share of that fund | Change |
|---|---|---|---|
| First Manhattan Co.First Manhattan partners | $2m | <0.1% |
Largest holders overall
- Patriot Financial Partners GP II, L.P.$19mCut
- BlackRock$16mAdded
- TWO Sigma Investments, LP$11mAdded
- Vanguard Capital Management$11mCut
- North Reef Capital Management LP$10mAdded
- Berkeley Capital Partners$10m
- Alliancebernstein L.P.$9mCut
- Mendon Capital Advisors$7mCut
- Curi Capital$7mCut
- Fourthstone$6mCut
From 13F filings for the quarter ended 30 June 2026.
Big holders and activists
3 investors own more than 5%.
- WYCOFF W KIRKPassive investorat least 4.8%−1.0 pts(filed with 8 related holders)Since 14 August 2026
- Fourthstone LLCPassive investorat least 1.9%−7.3 pts(filed with 5 related holders)Since 30 June 2026
- EJF Capital LPPassive investorat least 1.6%−6.9 pts(filed with 5 related holders)Since 31 March 2026
| Holder | Stake | Since | |
|---|---|---|---|
WYCOFF W KIRK Passive investor | at least 4.8%−1.0 pts (filed with 8 related holders) | 14 August 2026 | |
Fourthstone LLC Passive investor | at least 1.9%−7.3 pts (filed with 5 related holders) | 30 June 2026 | |
EJF Capital LP Passive investor | at least 1.6%−6.9 pts (filed with 5 related holders) | 31 March 2026 |
From Schedule 13D and 13G filings: anyone owning more than 5% must file one.
What insiders did
In the last 12 months, 3 insiders bought $51,890 of shares on the open market. 2 sold $283,092, $27,564 of it under preset trading plans.
- Bruderer Ernst W.DirectorSold
- Date
- 31 August 2026
- Shares
- 2,000
- Price
- $27.43
- Value
- $54,856
- Bruderer Ernst W.DirectorSold
- Date
- 26 August 2026
- Shares
- 2,000
- Price
- $27.50
- Value
- $55,004
- Bruderer Ernst W.DirectorSold
- Date
- 18 August 2026
- Shares
- 1,000
- Price
- $27.89
- Value
- $27,890
- Bruderer Ernst W.DirectorSoldunder a preset trading plan
- Date
- 12 August 2026
- Shares
- 1,000
- Price
- $27.56
- Value
- $27,564
- MACLEOD JAMES SDirectorBought
- Date
- 7 August 2026
- Shares
- 238
- Price
- $28.15
- Value
- $6,700
- MACLEOD JAMES SDirectorBought
- Date
- 6 August 2026
- Shares
- 96
- Price
- $27.61
- Value
- $2,651
- Valduga Anthony P.CFO AND COOSold
- Date
- 6 May 2026
- Shares
- 4,558
- Price
- $25.84
- Value
- $117,779
- Stone Stephen R.PRESIDENT AND CEO, DirectorBought
- Date
- 9 March 2026
- Shares
- 200
- Price
- $24.15
- Value
- $4,830
- HIGH MICHAEL BDirectorBought
- Date
- 10 February 2026
- Shares
- 1,500
- Price
- $25.14
- Value
- $37,710
| Date | Who | Did | Shares | Price | Value |
|---|---|---|---|---|---|
| 31 August 2026 | Bruderer Ernst W. Director | Sold | 2,000 | $27.43 | $54,856 |
| 26 August 2026 | Bruderer Ernst W. Director | Sold | 2,000 | $27.50 | $55,004 |
| 18 August 2026 | Bruderer Ernst W. Director | Sold | 1,000 | $27.89 | $27,890 |
| 12 August 2026 | Bruderer Ernst W. Director | Sold under a preset trading plan | 1,000 | $27.56 | $27,564 |
| 7 August 2026 | MACLEOD JAMES S Director | Bought | 238 | $28.15 | $6,700 |
| 6 August 2026 | MACLEOD JAMES S Director | Bought | 96 | $27.61 | $2,651 |
| 6 May 2026 | Valduga Anthony P. CFO AND COO | Sold | 4,558 | $25.84 | $117,779 |
| 9 March 2026 | Stone Stephen R. PRESIDENT AND CEO, Director | Bought | 200 | $24.15 | $4,830 |
| 10 February 2026 | HIGH MICHAEL B Director | Bought | 1,500 | $25.14 | $37,710 |
From Form 4 filings: insiders must report trades in their own company's shares within two days.
Warning signs in its filings
Problems the company itself reported to the SEC, in its own words.
None of the warning signs we check for were found.
We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.
We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 12 Mar 2026, plus the 10-Q filed 7 Aug 2026 and 5 later 8-Ks.
A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.
What could go wrong
Cheap for a reason is the question the numbers cannot answer.
Whether the price already reflects the risks is what the deep dive is for.
The deep dive
Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.
- What the business is worth, as a range, and the margin of safety at today’s price
- Prices to start buying, buy, and buy hard
- The three things that would make this a mistake
- Every number footnoted to the filing it came from
Your first deep dive is free.
Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.