CoastalSouth Bancshares, Inc. (COSO) - Net Assets
Based on the latest financial reports, CoastalSouth Bancshares, Inc. (COSO) has net assets worth $262.92 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.35 Billion) and total liabilities ($2.09 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CoastalSouth Bancshares, Inc. (COSO) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $262.92 Million |
| % of Total Assets | 11.2% |
| Annual Growth Rate | 22.49% |
| 5-Year Change | 107.73% |
| 10-Year Change | 659.03% |
| Growth Volatility | 19.37 |
CoastalSouth Bancshares, Inc. - Net Assets Trend (2015–2025)
This chart illustrates how CoastalSouth Bancshares, Inc.'s net assets have evolved over time, based on quarterly financial data. See CoastalSouth Bancshares, Inc. defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for CoastalSouth Bancshares, Inc. (2015–2025)
The table below shows the annual net assets of CoastalSouth Bancshares, Inc. from 2015 to 2025. For live valuation and market cap data, see CoastalSouth Bancshares, Inc. market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $259.53 Million | +32.93% |
| 2024-12-31 | $195.23 Million | +25.11% |
| 2023-12-31 | $156.04 Million | +31.35% |
| 2022-12-31 | $118.80 Million | -4.91% |
| 2021-12-31 | $124.93 Million | +22.50% |
| 2020-12-31 | $101.99 Million | +10.50% |
| 2019-12-31 | $92.29 Million | +36.06% |
| 2018-12-31 | $67.83 Million | +18.71% |
| 2017-12-31 | $57.14 Million | +67.11% |
| 2016-12-31 | $34.19 Million | +0.21% |
| 2015-12-31 | $34.12 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CoastalSouth Bancshares, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 8788437600.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $66.89 Million | 25.77% |
| Common Stock | $11.98 Million | 4.62% |
| Other Comprehensive Income | $-9.22 Million | -3.55% |
| Other Components | $189.88 Million | 73.16% |
| Total Equity | $259.53 Million | 100.00% |
CoastalSouth Bancshares, Inc. Competitors by Market Cap
The table below lists competitors of CoastalSouth Bancshares, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ace Pillar Co Ltd
TW:8374
|
$318.29 Million |
|
SUNDARAM CLAYTON LTD
NSE:SUNCLAY
|
$318.39 Million |
|
Hospital Mater Dei S.A
SA:MATD3
|
$318.48 Million |
|
Shiyan Taixiang Industry Co. Ltd. A
SHE:301192
|
$318.52 Million |
|
International CSRC Investment Holdings Co Ltd
TW:2104
|
$317.83 Million |
|
B&G Foods Inc
NYSE:BGS
|
$317.62 Million |
|
STI Co. Ltd
KQ:039440
|
$317.59 Million |
|
Gateway Distriparks Limited
NSE:GATEWAY
|
$317.56 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CoastalSouth Bancshares, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 195,232,000 to 259,529,000, a change of 64,297,000 (32.9%).
- Net income of 24,892,000 contributed positively to equity growth.
- Share repurchases of 69,000 reduced equity.
- New share issuances of 31,858,000 increased equity.
- Other comprehensive income increased equity by 6,568,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $24.89 Million | +9.59% |
| Share Repurchases | $69.00K | -0.03% |
| Share Issuances | $31.86 Million | +12.28% |
| Other Comprehensive Income | $6.57 Million | +2.53% |
| Other Changes | $1.05 Million | +0.4% |
| Total Change | $- | 32.93% |
Book Value vs Market Value Analysis
This analysis compares CoastalSouth Bancshares, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.17x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 0.77x to 1.17x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $34.42 | $26.44 | x |
| 2016-12-31 | $4.30 | $26.44 | x |
| 2017-12-31 | $17.36 | $26.44 | x |
| 2018-12-31 | $11.18 | $26.44 | x |
| 2019-12-31 | $12.72 | $26.44 | x |
| 2020-12-31 | $12.77 | $26.44 | x |
| 2021-12-31 | $15.01 | $26.44 | x |
| 2022-12-31 | $13.42 | $26.44 | x |
| 2023-12-31 | $16.42 | $26.44 | x |
| 2024-12-31 | $18.65 | $26.44 | x |
| 2025-12-31 | $22.53 | $26.44 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CoastalSouth Bancshares, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.59%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.33%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.89x
- Recent ROE (9.59%) is above the historical average (5.29%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 4.22% | 4.94% | 0.07x | 12.53x | $-1.90 Million |
| 2016 | 4.21% | 6.43% | 0.05x | 12.09x | $-1.98 Million |
| 2017 | -20.67% | -61.36% | 0.04x | 9.31x | $-17.53 Million |
| 2018 | -0.27% | -0.71% | 0.04x | 8.61x | $-6.96 Million |
| 2019 | 2.82% | 7.22% | 0.05x | 7.68x | $-6.63 Million |
| 2020 | 6.24% | 14.51% | 0.04x | 11.25x | $-3.83 Million |
| 2021 | 9.86% | 21.69% | 0.04x | 12.90x | $-171.40K |
| 2022 | 15.31% | 23.81% | 0.04x | 15.45x | $6.31 Million |
| 2023 | 15.69% | 21.40% | 0.06x | 13.00x | $8.87 Million |
| 2024 | 11.22% | 16.89% | 0.06x | 10.75x | $2.38 Million |
| 2025 | 9.59% | 18.33% | 0.06x | 8.89x | $-1.06 Million |
Industry Comparison
This section compares CoastalSouth Bancshares, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $805,803,700
- Average return on equity (ROE) among peers: 12.23%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CoastalSouth Bancshares, Inc. (COSO) | $262.92 Million | 4.22% | 7.93x | $318.22 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $4.08 Billion | 10.11% | 5.75x | $5.85 Billion |
| ACNB Corporation (ACNB) | $74.52 Million | 12.49% | 11.40x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $121.52 Million | 5.31% | 5.94x | $137.07 Million |
| Alerus Financial Corp (ALRS) | $182.82 Million | 9.36% | 8.54x | $736.27 Million |
| Amalgamated Bank (AMAL) | $707.65 Million | 15.04% | 10.67x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $938.80 Million | 5.58% | 9.41x | $973.30 Million |
| Arrow Financial Corporation (AROW) | $67.50 Million | 18.37% | 10.70x | $622.98 Million |
| Associated Banc-Corp (ASB) | $325.60 Million | 34.40% | 10.36x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $107.25 Million | 3.36% | 12.26x | $62.43 Million |
About CoastalSouth Bancshares, Inc.
CoastalSouth Bancshares, Inc. operates as the bank holding company for Coastal States Bank that provides various banking products and services to retail and commercial customers. The company accepts various deposits, including checking, savings, money market, and certificates of deposits, as well as demand deposits accounts and interest-bearing products. It offers commercial loans, such as acquis… Read more