CoastalSouth Bancshares (COSO)
Combines Southeast branch banking with national senior housing, marine, and mortgage-finance lending.
Something off on this page? Send us feedback.
Provides relationship banking in the Lowcountry, Savannah, and Atlanta, while specialty lending adds senior housing, marine, government-guaranteed, and mortgage-banker-finance exposure. Revenue depends on loan spreads, deposits, and a regulated bank balance sheet managed as one segment.
Operates through Coastal States Bank, serving branch markets in the Lowcountry of South Carolina, Savannah, and metro Atlanta with deposits, commercial and consumer loans, treasury services, and FDIC-insured banking products.
Adds national specialty platforms in Senior Housing Lending, Marine Lending, Government Guaranteed Lending, and Mortgage Banker Finance, while reporting the business as one company-wide segment. The model pairs local relationship deposits with lending niches that can extend beyond the branch footprint.
Execution centers on underwriting borrowers in chosen markets, tailored banking service, and funding discipline. Credit exposure is shaped by commercial real estate, senior housing, and marine loans; deposit cost, liquidity, bank regulation, and competition from banks, credit unions, mortgage lenders, and fintech firms frame the operating constraints.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $383.9M · Total debt $75.0M · Total assets $2.42B · Shareholders' equity $269.7M
- Revenue
- $35.8M
- Operating income
- $8.8M
- Net income
- $7.3M
To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 13, 2026 | Aug 13 | Aug 27 | $0.05 | |
| May 14, 2026 | May 14 | May 28 | $0.05 | |
| Feb 12, 2026 | Feb 12 | Feb 26 | $0.05 |
| Institutions83 holders · as of Mar 31, 2026 | 60.73% | 7.31M shares | |
| Insiders15 holders · as of Aug 31, 2026 | 11.61% | 1.40M shares | |
| Otherremainder | 27.66% | 3.33M shares |
12.04M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Patriot Financial Partners GP Ii, L.P.Institution | 9.63% | 1.16M | 13Fas of Mar 31, 2026 |
Fourthstone LLCInstitution | 9.14% | 1.10M | 13Fas of Mar 31, 2026 |
Patriot Financial Partners II, L.P.Institution | 5.09% | 612,053 | 13Gfiled May 6, 2026 ↗ |
BlackRock, Inc.Institution | 4.09% | 492,033 | 13Fas of Mar 31, 2026 |
Joseph V. Jr. TopperInsiderdirector | 4.01% | 483,126 | Form 4filed Jul 7, 2025 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 31, 2026 | Ernst W. Bruderer | director | −2,000 | $27.43 |
| Aug 26, 2026 | Ernst W. Bruderer | director | −2,000 | $27.50 |
| Aug 18, 2026 | Ernst W. Bruderer | director | −1,000 | $27.89 |
| Aug 12, 2026 | Ernst W. Bruderer | director | −1,000 | $27.56 |
| May 6, 2026 | Anthony P. Valduga | officer: CFO AND COO | −4,558 | $25.84 |
- Pinnacle Financial Partners
Large Southeast rival with Georgia, Carolinas and specialty banking
- SouthState
Regional bank overlap in Carolinas, Georgia, mortgage and wealth
- Ameris Bancorp
Southeast banking peer with mortgage and treasury overlap
- United Community Banks
SC/GA regional bank with SBA and USDA lending overlap
- ServisFirst Bancshares
Commercial banking peer across Georgia and South Carolina
- Southern First Bancshares
Relationship bank peer in South Carolina and Atlanta
- Live Oak Bancshares
National SBA and USDA lender competing in guaranteed loans
- Customers Bancorp
National mortgage-finance lender competing in warehouse credit
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| CoastalSouth Bancshares | $27.35 | +0.66% | $327.4M | 12.2 | 11.2 | 2.3 | +15.1% |
| Pinnacle Financial Partners | $100.10 | +0.02% | $15.11B | 12.3 | 9.3 | 3.1 | +145.2% |
| SouthState | $106.29 | +0.02% | $10.31B | 11.2 | 10.8 | 3.2 | +1.2% |
| Ameris Bancorp | $85.29 | +0.35% | $5.72B | 15.4 | 12.6 | 3.4 | +5.7% |
| United Community Banks | $34.84 | −0.40% | $4.19B | 11.5 | 11.5 | 2.7 | +9.8% |
| ServisFirst Bancshares | $42.23 | −0.23% | $4.62B | 14.4 | 12.3 | 4.5 | +27.6% |
| Southern First Bancshares | $63.24 | +1.04% | $591.6M | 13.4 | 11.4 | 2.8 | +25.3% |
| Live Oak Bancshares | $39.19 | −0.81% | $1.83B | 13.9 | 10.9 | 1.7 | +10.0% |
| Customers Bancorp | $78.36 | −0.42% | $2.66B | 9.6 | 8.8 | 1.8 | +12.4% |
| Median | 12.8 | 11.1 | 2.9 | +11.2% |