COSOCoastalSouth Bancshares, Inc.(COSO)Stock Analysis

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SEC EDGAR: CIK 1297107COSO stock profile & AI dashboard →

13F Pro Quality Score

44.5/100

Rank #1,914 of 2,961 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

50.3/100

Profitability

88.7/100

Balance Sheet

45.2/100

Earnings Quality

85.0/100

Free Cash Flow

98.9/100

Institutional Flow

11.5/100

Revenue Scale

14.0/100

Dilution Risk

4.8/100
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COSO Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CoastalSouth Bancshares, Inc. (COSO), a Financials sector company. 13F Pro's AI-powered ranking engine scores COSO at 44.5/100 on a 32-signal composite quality model, placing it at rank #1,914 of 2,961 stocks — the bottom half of the AI-ranked universe. COSO scores in the top quartile across free cash flow (98.9), profitability (88.7), earnings quality (85.0). Areas of concern include institutional flow (11.5) and revenue scale (14.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 4.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CoastalSouth Bancshares, Inc. reports quarterly revenue of $22.9M, net income of $7.3M, free cash flow of $9.6M. Top institutional holders of COSO by reported 13-F value include Patriot Financial Partners GP II, L.P., BlackRock, TWO SIGMA INVESTMENTS, based on the most recent SEC filings. COSO trades on the NYSE exchange and files with the SEC under CIK 1297107. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate COSO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CoastalSouth Bancshares, Inc. directly from SEC EDGAR. CoastalSouth Bancshares, Inc.'s 13F Pro composite quality score has ranged between 43 and 48 since 2026, currently 44.5 — a declining long-term trajectory across 19 quarterly and live scoring snapshots.

Fun facts about CoastalSouth Bancshares, Inc.

Quirks, history, and lore behind COSO — the kind of stuff that makes a stock memorable.

  • 1
    The Basics
    U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in South Carolina.
  • 2
    The Numbers
    Total assets in the range of roughly $1 billion — firmly in community-bank territory, where relationships matter more than algorithms.
  • 3
    The History
    Founded in the early 2000s, it grew by planting roots in coastal South Carolina markets, catering to local businesses and residents rather than chasing national scale.
  • 4
    The Secret
    Its bread and butter is commercial real estate and small business lending — the kind of banking a big Wall Street firm wouldn't bother with.
  • 5
    The Lore
    Its home turf, Hilton Head Island, is better known for golf courses and beach resorts than bank headquarters — making it one of the more scenic places to run a balance sheet.
  • 6
    The Giveaway
    The name is practically a geography lesson: a coastal bank, rooted in the South, serving the Lowcountry of South Carolina — ticker and name both give the zip code away.
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Revenue

Q2 2026

$22.9M

Net Income

Q2 2026

$7.3M

Free Cash Flow

Q2 2026

$9.6M

ROIC

Q2 2026

13.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+17.4% YoY
$82.0MFY 2025
FY23 FY24 $69.8MFY25 $82.0M

Net Income

+13.6% YoY
$24.9MFY 2025
FY23 FY24 $21.9MFY25 $24.9M

EPS (Diluted)

+3.3% YoY
$2.16FY 2025
FY23 FY24 $2.09FY25 $2.16

Total Assets

+9.9% YoY
$2.31BFY 2025
FY23 FY24 $2.10BFY25 $2.31B

Op. Cash Flow

+598.3% YoY
$63.1MFY 2025
FY23 FY24 $-12.7MFY25 $63.1M

Free Cash Flow

+535.3% YoY
$61.3MFY 2025
FY23 FY24 $-14.1MFY25 $61.3M

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Available Research

13F Pro tracks comprehensive data for CoastalSouth Bancshares, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

Companies Similar to COSO

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

USCB

USCB FINANCIAL HOLDINGS, INC.

50
AI score
Very similar · 10 shared holders
MNSB

MainStreet Bancshares, Inc.

31
AI score
Very similar · 7 shared holders
MRBK

Meridian Corp

48
AI score
Very similar · 6 shared holders
CIVB

CIVISTA BANCSHARES, INC.

44
AI score
Very similar · 6 shared holders
CFBK

CF BANKSHARES INC.

52
AI score
Very similar · 7 shared holders
AUBN

AUBURN NATIONAL BANCORPORATION, INC

39
AI score
Similar quality profile · 1 shared holders
ISTR

Investar Holding Corp

64
AI score
Shared smart-money ownership · 7 shared holders

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

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Is COSO a good stock to buy?

13F Pro's AI-powered analysis of CoastalSouth Bancshares, Inc. (COSO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for COSO are available on the COSO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. COSO is classified as a small company.

Which hedge funds own COSO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling COSO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CoastalSouth Bancshares, Inc.'s investment landscape.