CoastalSouth Bancshares, Inc. (COSO)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$27.89+0.69%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · COSO
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance dropped from the top half to the bottom half of its industry over the past month — the reason to own it has weakened.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -34.6% |
| Our one-year growth estimate | diamond | -17.8% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 16.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 219 industry peers
COSO — earnings miss
Dated 2026-07-20
of this Current Report on Form 8-K, including Exhibit 99.1 hereto, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended (the "Securities Act"), or the Exchange Act, except as shall be expressly set forth by specific reference…
Why it matters: A slowdown in sector growth could impact CoastalSouth's performance and outlook.
Worry ifSector revenue growth reported below 15% year over year.
Less concerning ifSector revenue growth remains at or above 15% year over year.
Why it matters: More charge-offs may mean credit quality problems. This can hurt profits.
Worry ifQ3 net charge-offs go over 0.01%. This shows possible credit quality issues.
Less concerning ifQ3 net charge-offs stay at or below 0.01%. This shows stable credit quality.
Why it matters: Regular dividends mean the company is stable. It also shows it cares about shareholders.
Watch forCompany declares a dividend of $0.05 per share for Q3.
Also watch forIf the dividend is cut or stopped, it may mean the company is in trouble.
Why it matters: A steady dividend means the company is doing well. It shows management values shareholders.
Supportive ifThe Company declares a quarterly dividend of at least $0.05 per share.
Worry ifThe Company suspends or reduces the dividend payout.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$65 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $197 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,165 loss on $10,000 · 11.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A steady dividend shows that a company is stable. This can bring in more investors.
Supportive ifThe company announces a dividend of $0.05 per share. This keeps things consistent.
Worry ifThe company cuts or stops the dividend. This may show financial trouble.
Why it matters: Strong loan growth shows that management is doing a good job. It also means they are hiring good bankers.
Supportive ifLoan production in Q3 is over $200 million. This shows strong demand and good execution.
Worry ifLoan production in Q3 is under $166 million. This may show problems in the growth strategy.
Why it matters: Updates on the stock buyback plan show that management trusts the company.
Supportive ifThey announced more shares bought back under the $15 million plan.
Worry ifNo updates on the buyback plan may show a lack of confidence.
Why it matters: A drop in revenue growth signals a potential slowdown in the financial sector.
Worry ifRevenue growth for CoastalSouth falls below the median of 15% year over year.
Less concerning ifRevenue growth remains at or above the median of 15% year over year.