Stock fact sheet · data as of
CoastalSouth Bancshares, Inc. (COSO): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is COSO undervalued?
At 26.74 (close of 16 Oct 2026), COSO trades 43% below the GLS average fair value of 46.91. That average comes from 9 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns CoastalSouth Bancshares, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 2.21 while 10 Cap gives 121.68. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files COSO under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for COSO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 34.26 | +28% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 32.84 | +23% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 65.12 | +144% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 23.90 | -11% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 8.39 | -69% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 121.68 | +355% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 109.23 | +308% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.21 | -92% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 24.58 | -8% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -164.57 | -715% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 30.00 | +12% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - COSO passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.1 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are moderate - ROIC 8.6%, ROE 9.6%, ROA 1.1% - with debt at 0.12 times equity and a free-cash-flow yield of 21.4%.
The dividend yield is 0.56% with a payout ratio of 4% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Other noninterest income 28%, Bank owned life insurance 25%, Mortgage Banking 22% (quarter Q2 FY2026).
Institutional ownership scores 7/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 8.6% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | 9.6% |
| Debt / equity | 0.12 | ROA | 1.1% |
| Free-cash-flow yield | 21.4% | Payout ratio | 4% |
| Institutions | 7 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
COSO has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 44k shares a day on a market cap of $320M, with a beta of 0.00 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 43% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 4.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 44k shares/day, $320M cap, beta 0.00 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
CoastalSouth Bancshares, Inc. reports earnings on 19 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to CoastalSouth Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| JMSB John Marshall Bancorp, Inc. | 22.79 | 32.31 | +29% | 77Good | $322M |
| FVCB FVCBankcorp, Inc. | 17.53 | 19.45 | +10% | 66Good | $316M |
| NEWT NewtekOne, Inc. | 10.94 | 59.49 | +82% | 68Good | $316M |
| NEWTP NewtekOne, Inc. Depositary Shares, Non-Cumulative Perpetual Preferred Stock, Series B | 24.22 | 103.97 | +77% | 39No options | $316M |
| NEWTG NewtekOne, Inc. 8.50% Fixed Rate Senior Notes due 2029 | 24.74 | 105.71 | +77% | 39No options | $316M |
| NEWTI NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028 | 24.93 | 124.94 | +80% | 39No options | $316M |
| CCFN Muncy Columbia Financial Corporation | 30.48 | 71.38 | +57% | 39No options | $324M |
| NEWTH NewtekOne, Inc. | 24.75 | 124.20 | +80% | 39No options | $316M |
| CBNA Chain Bridge Bancorp, Inc. | 49.47 | 130.44 | +62% | 39No options | $325M |
| NASB NASB Financial, Inc. | 45.60 | 62.67 | +27% | 39No options | $325M |
| BFCC BankFirst Capital Corporation | 62.48 | 99.50 | +37% | 39No options | $331M |
| FBIP FNB Bancorp, Inc. | 51.65 | 31.16 | -66% | 29No options | $333M |
⚖ Compare COSO with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about COSO
Is COSO undervalued right now?
By the GLS models, yes: at 26.74 the stock is 43% below the average fair value of 46.91 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of COSO and what does it mean?
COSO has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for COSO?
46.91 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CoastalSouth Bancshares, Inc. report earnings next?
The next earnings report is due on 19 Oct 2026 (after the close), 3 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does COSO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on COSO, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.