CoastalSouth Bancshares, Inc. (COSO) intrinsic value & 10-year financials
CoastalSouth Bancshares, Inc. (COSO) has a Graham intrinsic value of $39.80 per share. At $26.65 on Oct 17, 2026, the stock trades 33% below that value. Over the last 3 fiscal years revenue grew 6.4% a year to $2.0M, with an average return on invested capital of 11.7%.
- Graham intrinsic value
- $39.80
- Share price (Oct 17, 2026)
- $26.65
- Price vs Graham value
- 33% below
- Market cap
- $307.0M
- Revenue (FY2025)
- $2.0M
- Revenue growth (3-yr CAGR)
- 6.4%
- ROIC (10-yr avg)
- 11.7%
- Free cash flow (FY2025)
- $61.3M
COSO 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $2.0M | $24.9M | $2.16 | $61.3M | — | 10.9% |
| FY2024 | $1.9M | $21.9M | $2.09 | -$14.1M | — | 12.5% |
| FY2023 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
CoastalSouth Bancshares, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
CoastalSouth Bancshares, Inc. returns on capital have been average, hovering around 11.7% ROIC over the decade.
CoastalSouth Bancshares, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, CoastalSouth Bancshares, Inc. is modeled at 6.4% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $39.80 per share.