CoastalSouth Bancshares (COSO)


Market Price (11/6/2026): $28.27 | Market Cap: $338.0 MilSector: Financials | Industry: Regional Banks

CoastalSouth Bancshares (COSO)


Market Price (11/6/2026): $28.27
Market Cap: $338.0 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, FCF Yield is 20%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -47%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 79%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 77%

Low stock price volatility
Vol 12M is 18%

Megatrend and thematic drivers
Megatrends include Community Financial Empowerment. Themes include Local Economic Development Lending, and Digital Community Banking.

Trading close to highs
Dist 52W High is -1.7%, Dist 3Y High is -1.7%

Key risks
COSO key risks include [1] an inability to deliver the robust balance sheet growth necessary to offset industry-wide profitability pressures and [2] potential credit quality deterioration within its diverse lending portfolio, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.5%, FCF Yield is 20%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -47%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 79%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 77%
3 Low stock price volatility
Vol 12M is 18%
4 Megatrend and thematic drivers
Megatrends include Community Financial Empowerment. Themes include Local Economic Development Lending, and Digital Community Banking.
5 Trading close to highs
Dist 52W High is -1.7%, Dist 3Y High is -1.7%
6 Key risks
COSO key risks include [1] an inability to deliver the robust balance sheet growth necessary to offset industry-wide profitability pressures and [2] potential credit quality deterioration within its diverse lending portfolio, Show more.

COSO in ETFs

Weight = COSO's share of each fund

VTI0.00%
IWM0.01%
IWN0.02%
VTWO0.01%
DFAS0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

CoastalSouth Bancshares (COSO) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Exceeded fiscal Q3 2026 Earnings Expectations: CoastalSouth Bancshares reported strong financial results for fiscal Q3 2026 (ended September 30, 2026), significantly surpassing analyst estimates. The company announced diluted earnings per share of $0.71 on October 19, 2026, beating the consensus estimate of $0.59 by $0.12. Net income for fiscal Q3 2026 rose to $8.8 million, up from $6.7 million in fiscal Q3 2025. Additionally, net interest income increased by 12.2% year-over-year to $21.5 million, and the net interest margin expanded to 3.70% from 3.58% in the prior year's third quarter.

2. Positive Analyst Sentiment and Upgraded Price Targets: Following the robust earnings report, analysts reiterated or upgraded their ratings and price targets for COSO. On October 12, 2026, Brean Capital initiated coverage with a "Buy" rating and a price target of $33.00. The consensus rating from analysts is "Strong Buy," with an average 12-month price target of $31.67, representing a potential upside of approximately 14.11% from recent trading levels.

Show more
Updated on 11/1/2026

CoastalSouth Bancshares (COSO) stock has gained about 5% since 7/31/2026 because of the following key factors:

1. Exceeded fiscal Q3 2026 Earnings Expectations: CoastalSouth Bancshares reported strong financial results for fiscal Q3 2026 (ended September 30, 2026), significantly surpassing analyst estimates. The company announced diluted earnings per share of $0.71 on October 19, 2026, beating the consensus estimate of $0.59 by $0.12. Net income for fiscal Q3 2026 rose to $8.8 million, up from $6.7 million in fiscal Q3 2025. Additionally, net interest income increased by 12.2% year-over-year to $21.5 million, and the net interest margin expanded to 3.70% from 3.58% in the prior year's third quarter.

2. Positive Analyst Sentiment and Upgraded Price Targets: Following the robust earnings report, analysts reiterated or upgraded their ratings and price targets for COSO. On October 12, 2026, Brean Capital initiated coverage with a "Buy" rating and a price target of $33.00. The consensus rating from analysts is "Strong Buy," with an average 12-month price target of $31.67, representing a potential upside of approximately 14.11% from recent trading levels.

3. Ongoing Share Repurchase Program: The company's active share repurchase program has likely provided support for the stock price. CoastalSouth Bancshares repurchased 285,715 shares during fiscal Q3 2026 at a weighted-average price of $27.10 per share. This program, which saw an authorization for a $15 million buyback announced on May 1, 2026, demonstrates management's confidence and can reduce the number of outstanding shares, potentially boosting earnings per share.

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Stock Movement Drivers

Fundamental Drivers

The 3.8% change in COSO stock from 7/31/2026 to 11/5/2026 was primarily driven by a 3.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)731202611052026Change
Stock Price ($)27.2228.263.8%
Change Contribution By: 
Total Revenues ($ Mil)84873.6%
Net Income Margin (%)31.1%31.6%1.6%
P/E Multiple12.512.3-1.2%
Shares Outstanding (Mil)1212-0.2%
Cumulative Contribution3.8%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
COSO3.8% 
Market (SPY)-1.9%26.3%
Sector (XLF)1.0%49.5%

Fundamental Drivers

The 11.0% change in COSO stock from 4/30/2026 to 11/5/2026 was primarily driven by a 7.5% change in the company's Total Revenues ($ Mil).
(LTM values as of)430202611052026Change
Stock Price ($)25.4528.2611.0%
Change Contribution By: 
Total Revenues ($ Mil)81877.5%
Net Income Margin (%)30.7%31.6%2.9%
P/E Multiple12.312.30.5%
Shares Outstanding (Mil)1212-0.1%
Cumulative Contribution11.0%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
COSO11.0% 
Market (SPY)2.3%16.3%
Sector (XLF)10.7%48.8%

Fundamental Drivers

The 33.6% change in COSO stock from 10/31/2025 to 11/5/2026 was primarily driven by a 39.3% change in the company's P/E Multiple.
(LTM values as of)1031202511052026Change
Stock Price ($)21.1628.2633.6%
Change Contribution By: 
Total Revenues ($ Mil)768714.9%
Net Income Margin (%)32.5%31.6%-2.6%
P/E Multiple8.812.339.3%
Shares Outstanding (Mil)1012-14.4%
Cumulative Contribution33.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
COSO33.6% 
Market (SPY)8.4%27.4%
Sector (XLF)11.1%41.9%

Fundamental Drivers

The 177.0% change in COSO stock from 10/31/2023 to 11/5/2026 was primarily driven by a 195.7% change in the company's P/E Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)10.2028.26177.0%
Change Contribution By: 
Total Revenues ($ Mil)688727.7%
Net Income Margin (%)34.2%31.6%-7.5%
P/E Multiple4.212.3195.7%
Shares Outstanding (Mil)1012-20.7%
Cumulative Contribution177.0%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
COSO177.0% 
Market (SPY)81.3%23.3%
Sector (XLF)85.5%32.6%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
COSO Return0%0%0%0%127%22%177%
Peers Return24%1%11%15%8%10%91%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
COSO Win Rate0%0%0%0%42%91% 
Peers Win Rate69%46%48%56%58%45% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
COSO Max Drawdown0%0%0%0%-12%-8% 
Peers Max Drawdown-23%-25%-35%-16%-29%-17% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: ABCB, SSB, AUB, PNFP, FNB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventCOSOS&P 500
2020 COVID-19 Crash
  % Loss-16.2%-33.7%
  % Gain to Breakeven19.4%50.9%
  Time to Breakeven1938 days140 days

Compare to ABCB, SSB, AUB, PNFP, FNB

In The Past

CoastalSouth Bancshares's stock fell -16.2% during the 2020 COVID-19 Crash. Such a loss loss requires a 19.4% gain to breakeven.

Preserve Wealth

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Asset Allocation

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Compare to ABCB, SSB, AUB, PNFP, FNB

In The Past

CoastalSouth Bancshares's stock fell -16.2% during the 2020 COVID-19 Crash. Such a loss loss requires a 19.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About CoastalSouth Bancshares (COSO)

CoastalSouth Bancshares, Inc. (COSO) is an Atlanta, Georgia-based bank holding company that operates through its wholly owned subsidiary, Coastal States Bank. The bank offers a full range of banking products and services tailored for businesses, real estate professionals, and consumers seeking a deep relationship with their financial institution. Its core community banking operations are strategically located in fast-growing markets, including the Lowcountry of South Carolina (Hilton Head Island, Bluffton, and Beaufort), nearby Savannah, Georgia, and the larger Atlanta, Georgia metropolitan area.

In addition to its traditional community banking services, CoastalSouth Bancshares operates four distinct specialty lines of business designed to provide scalability and diversification. These include Senior Housing Lending, which focuses on providing capital to operators within the senior care sector, with an emphasis on assisted living facilities. Marine Lending offers consumer loans primarily to high-net-worth borrowers, secured by yachts and high-end sport fishing vessels. The company also engages in Government Guaranteed Lending, specializing in the origination of small business and other loans backed by the SBA and USDA. Finally, Mortgage Banker Finance provides mortgage warehouse lending to mortgage originators.

This combined business model allows CoastalSouth Bancshares to leverage the relationship-centric approach of a community bank alongside the specialized expertise of its diversified lending platforms. This strategy enables COSO to capitalize on substantial growth opportunities within its target markets, particularly given its strong position and comprehensive offerings in the competitive financial services industry.

AI Analysis | Feedback

  • Think of it like a smaller version of Synovus Bank, but with highly specialized lending divisions that focus on niche markets like luxury yachts and senior care facilities.
  • It's like a community bank that also operates distinct, scalable lending businesses for specific high-value sectors, similar to how Regions Bank has various lending groups, but COSO's are focused on unique areas like marine vessels and government-guaranteed small business loans.

AI Analysis | Feedback

  • Traditional Community Banking Services: Offers a full range of banking products and services tailored for businesses, real estate professionals, and consumers.
  • Senior Housing Lending: Provides loans to operators in the senior care sector, primarily focusing on assisted living facilities.
  • Marine Lending: Offers consumer loans primarily to high-net-worth individuals, secured by yachts and high-end sport fishing vessels.
  • Government Guaranteed Lending: Originates small business and other loans that are guaranteed by the SBA and USDA.
  • Mortgage Banker Finance: Specializes in providing mortgage warehouse lending to mortgage originators.

AI Analysis | Feedback

CoastalSouth Bancshares (COSO) serves a diverse customer base, including businesses, real estate professionals, and consumers. As a bank, it does not typically disclose the names of its specific customers. However, based on the provided description, its major customer categories can be described as follows:

CoastalSouth Bancshares (COSO) serves a diverse range of customers across its community banking operations and specialty lines of business. Given that specific customer names are not disclosed for banks, the major customers are best described by category:

  1. Businesses: This is a broad category encompassing various types of companies. It includes local businesses in their community banking markets, small businesses seeking government-guaranteed loans (SBA and USDA), senior care facility operators (for senior housing lending), and mortgage originators (for mortgage warehouse lending).
  2. Real Estate Professionals: This category includes individuals or entities involved in the real estate sector, for whom the bank offers tailored banking products and services.
  3. Consumers/Individuals: This category comprises general consumers seeking traditional banking products and services within the bank's community markets (Lowcountry of South Carolina, Savannah, and Atlanta). It also includes high-net-worth individuals who are targeted for marine lending, primarily secured by yachts and high-end sport fishing vessels.

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Stephen R. Stone, President, Chief Executive Officer

Stephen R. Stone has served as the President and Chief Executive Officer of CoastalSouth Bancshares, Inc. and Coastal States Bank since 2017. He led the recapitalization of Coastal States Bank in 2017, overseeing its growth to over $2.3 billion in assets. Prior to his current role, Mr. Stone held positions at Community & Southern Bank, including Chief Strategy Officer and General Counsel (2012-2016), Chief Administrative Officer and General Counsel (2011-2012), and General Counsel (2009-2012). Earlier in his career, he was an attorney at Alston & Bird LLP (2003-2009), where his practice focused on public and private mergers and acquisitions and corporate finance transactions within the financial services industry.

Tony Valduga, Chief Financial Officer, Chief Operating Officer

Tony Valduga is the Chief Financial Officer and Chief Operating Officer of Coastal States Bank.

C. Bradley Turner, Chief Credit Officer

C. Bradley Turner serves as Executive Vice President and Chief Credit Officer at Coastal States Bank. His previous roles at Coastal States Bank include EVP, Director of Government Guaranteed Lending. Prior to joining Coastal States Bank, Mr. Turner held positions such as Financial Services Representative & Branch Manager at Central Carolina Bank, SVP, Head of Small Business Lending at Square 1 Bank, and SVP, SBA National Operations Officer at State Bank and Trust Company.

Lauren M. Hemby, Chief Accounting Officer

Lauren M. Hemby is the Chief Accounting Officer at Coastal States Bank. Before joining Coastal States Bank in 2017, Ms. Hemby worked in various capacities at Community & Southern Bank and SunTrust Bank, where she was responsible for managing the financial aspects of mergers and acquisitions activity and leading other accounting, finance, and regulatory functions.

Rhonda Thornton, Chief Retail and Experience Officer

Rhonda Thornton was appointed Chief Retail and Experience Officer, responsible for unifying the Bank's retail operations and branch network across its Lowcountry, Savannah, and Atlanta Regions. Her expertise spans retail management, customer service, operations, and technology for community, regional, and national banks.

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AI Analysis | Feedback

The key risks to CoastalSouth Bancshares (COSO) primarily stem from its specialized lending activities and the inherent nature of banking operations:

  1. Credit and Concentration Risk: CoastalSouth Bancshares has significant concentrations in commercial real estate and senior housing lending. Its lending portfolio also includes marine lending and mortgage banker finance activities. A volatile economic environment or downturns in these specific real estate sectors, the luxury marine market, or the mortgage industry could lead to increased credit losses and impact asset quality. For instance, the increase in nonperforming assets in Q4 2025 was primarily due to a senior housing loan being transferred to nonaccrual status.
  2. Interest Rate Risk: As a financial institution, CoastalSouth Bancshares is exposed to fluctuations in interest rates. Changes in interest rates can affect the company's net interest margin (NIM), profitability, and the demand for its lending products. A squeeze on the net interest margin due to rising interest expenses outpacing interest income could compress return on assets (ROA) and potentially impact dividend capacity.
  3. Liquidity Risk and Wholesale Funding Sensitivity: While CoastalSouth Bancshares primarily relies on core deposits, its use of brokered deposits, though providing flexibility, introduces sensitivity to wholesale funding markets. If these markets tighten, it could lead to liquidity pressures, particularly from large depositor relationships.

AI Analysis | Feedback

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CoastalSouth Bancshares (COSO) operates in several distinct lending markets. The addressable market sizes for its main products and services are as follows:

Community Banking Products and Services

The U.S. community banking market is forecasted to grow by USD 253 billion between 2024 and 2029, accelerating at a compound annual growth rate (CAGR) of 5.8%. In South Carolina, the commercial banking industry, which encompasses community banking, is projected to grow through 2030. As of December 2024, community banks in a specific South Carolina district (SC-7) held over $9.8 billion in total deposits. Georgia-based banks showed strong performance in the Southeast region, with 24 banks ranking in the top 50 community banks in 2024.

Senior Housing Lending

The U.S. senior living market, which CoastalSouth Bancshares' Senior Housing Lending focuses on, was valued at approximately $923.20 billion in 2023 and is projected to reach about $1.22 trillion by 2030, exhibiting a CAGR of 4.16%. Another estimate places the U.S. senior living market size at USD 943.90 billion in 2025, with a projection to reach USD 1.33 trillion by 2033 at a CAGR of 4.47%. Senior living transaction volume in the U.S. reached $24 billion in 2025, marking the highest level in over a decade.

Marine Lending

The specific addressable market size for marine lending in terms of total loan volume or outstanding loans is not explicitly available in the provided information. However, the recreational boating industry that marine lending serves had retail expenditures exceeding $41 billion in 2018, with an overall economic impact of over $170 billion in the U.S.

Government Guaranteed Lending (SBA and USDA)

The U.S. small business loan market, which includes SBA and USDA guaranteed loans, was valued at $245.39 billion in 2023. This market is projected to grow to $349.64 billion by 2033, with a CAGR of 3.4% from 2024 to 2033. The maximum loan size for an SBA 7(a) loan is typically $5 million, while USDA loans can go up to $25 million per project.

Mortgage Banker Finance (Mortgage Warehouse Lending)

Mortgage warehouse lending is a vital component of the U.S. mortgage ecosystem. Warehouse lenders in the U.S. collectively had an estimated $100.0 billion in commitments on their books at the end of the fourth quarter, reaching the highest level since mid-2023. This industry is also described as a "$600 billion industry" that facilitates over "one trillion dollars of capital each year" from Wall Street to Main Street in the United States.

AI Analysis | Feedback

CoastalSouth Bancshares (COSO) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

  1. Continued Growth in Commercial and Specialty Lending: The company anticipates significant revenue generation from its targeted loan growth, particularly within its commercial lending segments, including commercial real estate. Additionally, its specialty lines of business—Senior Housing Lending, Marine Lending, and Government Guaranteed Lending—are expected to maintain their momentum. CoastalSouth Bancshares reported over $776.0 million in loan commitments and a 14.7% increase in gross loans held for investment in 2025. The company has a strategic emphasis on these niche areas, which are critical to its revenue drivers.
  2. Strategic Expansion into New Markets: A key growth driver is the strategic expansion into new geographic areas. The company announced its entry into the Charleston, South Carolina market, aiming to leverage a locally based commercial banking team to drive strong loan and deposit growth in this dynamic region. This expansion builds upon its established presence in the Lowcountry.
  3. Organic Core Deposit and Customer Relationship Growth: CoastalSouth Bancshares focuses on strengthening its core funding through continued deposit gathering and cultivating new customer relationships. This strategy is vital for supporting loan growth and overall profitability. The company successfully grew core deposits by over $120.7 million and increased total deposits by 8.3% to $1.99 billion in 2025. Its strategy includes organic branch expansion and high-quality digital banking tools to foster market-leading growth in customer relationships and deposits.
  4. Net Interest Margin Expansion and Management: The effective management and expansion of the net interest margin (NIM) are crucial for increasing net interest income, a primary component of the bank's revenue. The company successfully expanded its net interest margin to 3.60% in the fourth quarter of 2025, a 39 basis point increase from the fourth quarter of 2024, contributing to a 22.1% rise in net interest income over the same period. Sustaining or improving this margin will be a significant factor in future revenue growth.
  5. Expansion of Mortgage and SBA Servicing Portfolios: The company is enhancing its service capabilities and fee-related activities through the expansion of its mortgage servicing and Small Business Administration (SBA) servicing portfolios. This strategic diversification helps to generate non-interest income and complements its lending operations, particularly aligning with its Government Guaranteed Lending specialty line.

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Share Issuance

  • CoastalSouth Bancshares, Inc. completed an initial public offering (IPO) on July 2, 2025, selling 1,700,000 shares of its common stock at a public offering price of $21.50 per share, raising approximately $36.55 million for the company.
  • In January 2024, the company completed a private placement of common stock, generating gross proceeds of approximately $12 million.
  • In February 2026, directors received grants of restricted stock units (RSUs) as equity awards, such as 987, 927, and 868 RSUs, which convert into common shares on a one-for-one basis upon vesting.

Inbound Investments

  • EJF Capital LLC purchased 930,171 shares of CoastalSouth Bancshares in the third quarter (likely 2025), valued at approximately $20.29 million, making it their largest holding and representing a 7.77% ownership stake in the bank.
  • Other institutional investors, including Endeavour Capital Advisors Inc. (approximately $7.35 million), Vanguard Group Inc. (approximately $3.21 million), and Bleakley Financial Group LLC (approximately $1.92 million), also initiated new positions in the company during the third quarter (likely 2025).

Capital Expenditures

  • The net proceeds from the July 2025 IPO were intended for general corporate purposes, including supporting organic growth, funding opportunistic strategic acquisitions, and funding branch expansion.
  • The company's Net Property, Plant and Equipment reflected values of $20.6 million at the end of 2025, $23.3 million in 2024, and $21.6 million in 2023, indicating ongoing investment in physical assets.

Peer Outperformance in Regional Banks

COSO has outperformed 97% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that COSO has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
56%
of 281 industry peers · 32.5% return
3Y
97%
of 273 industry peers · 177.0% return
5Y
97%
of 262 industry peers · 177.0% return
No Regional Banks peer with a comparable growth profile has beaten COSO by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is COSO's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

Title
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Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

COSOABCBSSBAUBPNFPFNBMedian
NameCoastalS.Ameris B.SouthSta.Atlantic.Pinnacle.F N B  
Mkt Price28.2781.68104.7039.96100.9417.8660.82
Mkt Cap0.35.510.15.615.36.36.0
Rev LTM871,2292,6431,5433,9951,8401,691
Op Inc LTM-------
FCF LTM675221,4985491,423723636
FCF 3Y Avg-3895671,005969489567
CFO LTM695491,5655741,508828701
CFO 3Y Avg-4096241,0201,054601624

Growth & Margins

COSOABCBSSBAUBPNFPFNBMedian
NameCoastalS.Ameris B.SouthSta.Atlantic.Pinnacle.F N B  
Rev Chg LTM14.9%9.1%10.4%28.6%116.1%9.5%12.6%
Rev Chg 3Y Avg8.8%5.2%16.7%31.3%48.8%4.0%12.7%
Rev Chg Q15.1%8.8%-1.9%3.2%151.3%2.6%6.0%
QoQ Delta Rev Chg LTM3.6%2.1%-0.5%0.8%23.5%0.7%1.5%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM79.5%44.6%59.2%37.2%37.7%45.0%44.8%
CFO/Rev 3Y Avg-35.4%23.3%85.4%45.2%34.8%35.4%
FCF/Rev LTM77.1%42.5%56.7%35.6%35.6%39.3%40.9%
FCF/Rev 3Y Avg-33.7%20.8%84.2%40.9%28.1%33.7%

Valuation

COSOABCBSSBAUBPNFPFNBMedian
NameCoastalS.Ameris B.SouthSta.Atlantic.Pinnacle.F N B  
Mkt Cap0.35.510.15.615.36.36.0
P/S3.94.43.83.73.83.43.8
P/Op Inc-------
P/EBIT-------
P/E12.314.510.910.614.910.411.6
P/CFO4.910.06.59.810.17.68.7
Total Yield8.5%7.9%11.6%13.6%8.3%12.4%10.0%
Dividend Yield0.4%1.0%2.4%4.0%1.6%2.8%2.0%
FCF Yield 3Y Avg-7.8%5.7%20.7%-8.4%8.1%
D/E0.20.30.10.30.70.60.3
Net D/E-0.5-0.30.00.1-1.0-0.3-0.3

Returns

COSOABCBSSBAUBPNFPFNBMedian
NameCoastalS.Ameris B.SouthSta.Atlantic.Pinnacle.F N B  
1M Rtn4.7%2.2%3.7%4.8%5.0%3.4%4.2%
3M Rtn2.4%-7.2%-3.0%-5.0%-4.7%-5.2%-4.9%
6M Rtn9.9%-4.9%8.9%7.6%2.8%1.1%5.2%
12M Rtn32.5%12.8%22.0%26.7%7.7%15.9%19.0%
3Y Rtn177.1%104.3%57.6%41.5%7.7%71.2%64.4%
1M Excs Rtn7.4%5.0%7.3%7.8%9.9%6.1%7.3%
3M Excs Rtn1.9%-5.8%-2.3%-3.4%-2.7%-4.3%-3.1%
6M Excs Rtn5.1%-9.7%4.0%2.8%-2.0%-3.7%0.4%
12M Excs Rtn19.3%0.3%8.5%14.6%-5.8%3.7%6.1%
3Y Excs Rtn93.8%43.2%-13.3%-28.9%-75.6%0.5%-6.4%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment8169736350
Total8169736350


Price Behavior

Price Behavior
Market Price$28.26 
Market Cap ($ Bil)0.3 
First Trading Date05/14/2019 
Distance from 52W High-1.7% 
   50 Days200 Days
DMA Price$27.23$26.07
DMA Trendindeterminateup
Distance from DMA3.8%8.4%
 3M1YR
Volatility16.0%17.7%
Downside Capture11.6819.63
Upside Capture28.8952.08
Correlation (S&P 500)16.9%24.9%
COSO Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta0.210.270.180.110.340.16
Up Beta-1.39-0.550.12-0.130.27-0.04
Down Beta0.360.130.10-0.030.210.09
Up Capture80%50%25%27%45%16%
Bmk +ve Days12182862130427
Stock +ve Days14233368135173
Down Capture-21%34%15%13%33%20%
Bmk -ve Days10253664121325
Stock -ve Days8202955111155

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with COSO
COSO32.9%17.7%1.44-
Sector ETF (XLF)11.1%15.2%0.4742.3%
Equity (SPY)9.5%13.6%0.4127.2%
Gold (GLD)3.6%28.7%0.110.1%
Commodities (DBC)37.7%21.2%1.40-33.7%
Real Estate (VNQ)12.0%14.2%0.5537.6%
Bitcoin (BTCUSD)-20.8%43.3%-0.424.8%

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Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with COSO
COSO5.7%19.7%0.93-
Sector ETF (XLF)9.1%18.4%0.3632.6%
Equity (SPY)11.3%17.3%0.4823.3%
Gold (GLD)17.5%19.1%0.741.9%
Commodities (DBC)8.0%19.6%0.29-22.2%
Real Estate (VNQ)1.2%18.9%-0.0529.1%
Bitcoin (BTCUSD)5.9%51.5%0.299.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with COSO
COSO2.6%20.4%0.79-
Sector ETF (XLF)13.3%22.1%0.5437.1%
Equity (SPY)14.9%18.0%0.7029.4%
Gold (GLD)12.0%16.5%0.592.1%
Commodities (DBC)7.6%18.1%0.33-11.6%
Real Estate (VNQ)5.7%20.7%0.2334.8%
Bitcoin (BTCUSD)61.3%66.2%1.0115.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.1 Mil
Short Interest: % Change Since 9302026-20.4%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest1.3 days
Basic Shares Quantity12.0 Mil
Short % of Basic Shares1.1%

Earnings Returns History

Updated 10/28/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/19/20262.1%4.0% 
7/20/2026-0.2%2.2%4.3%
4/20/2026-3.9%-1.5%-2.7%
1/20/20261.1%0.0%6.1%
10/21/20250.1%-1.0%-1.5%
7/28/2025-0.4%-3.4%2.7%
SUMMARY STATS   
# Positive333
# Negative332
Median Positive1.1%2.2%4.3%
Median Negative-0.4%-1.5%-2.1%
Max Positive2.1%4.0%6.1%
Max Negative-3.9%-3.4%-2.7%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/19/20262.1%4.0% 
7/20/2026-0.2%2.2%4.3%
4/20/2026-3.9%-1.5%-2.7%
1/20/20261.1%0.0%6.1%
10/21/20250.1%-1.0%-1.5%
7/28/2025-0.4%-3.4%2.7%
SUMMARY STATS   
# Positive333
# Negative332
Median Positive1.1%2.2%4.3%
Median Negative-0.4%-1.5%-2.1%
Max Positive2.1%4.0%6.1%
Max Negative-3.9%-3.4%-2.7%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/12/202610-K
09/30/202511/07/202510-Q
06/30/202508/11/202510-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/12/202610-K
09/30/202511/07/202510-Q
06/30/202508/11/202510-Q

Insider Activity

Updated 11/4/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Bruderer, Ernst W DirectSell1026202627.926,000167,495980,710Form
2MacLeod, James S DirectBuy914202628.152386,7005,674,618Form
3MacLeod, James S DirectBuy914202627.61962,6515,559,191Form
4Bruderer, Ernst W DirectSell831202627.432,00054,8561,128,141Form
5Bruderer, Ernst W DirectSell826202627.502,00055,0041,186,180Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Bruderer, Ernst W DirectSell1026202627.926,000167,495980,710Form
2MacLeod, James S DirectBuy914202628.152386,7005,674,618Form
3MacLeod, James S DirectBuy914202627.61962,6515,559,191Form
4Bruderer, Ernst W DirectSell831202627.432,00054,8561,128,141Form
5Bruderer, Ernst W DirectSell826202627.502,00055,0041,186,180Form
6Bruderer, Ernst W DirectSell818202627.891,00027,8901,258,681Form
7Bruderer, Ernst W DirectSell813202627.561,00027,5641,271,573Form
8Valduga, Anthony PCFO AND COODirectSell506202625.844,558117,7792,225,212Form
9Stone, Stephen RPRESIDENT AND CEODirectBuy309202624.152004,8302,907,298Form
10High, Michael B IRABuy212202625.141,50037,71037,710Form

Investor Activity (13F)

Updated Nov 6, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$28.5 Mil7.3%12ADD +61.2%13F
Endeavour Capital Advisors Inc$5.9 Mil1.3%42TRIM -28.3%13F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$28.5 Mil7.3%12ADD +61.2%13F
Active ManagerValue% of PortfolioTotal PositionsQoQAs OfFiling
Azora Capital LP$7.2 Mil0.5%47ExitedDec 31, 202513F
Endeavour Capital Advisors Inc$5.9 Mil1.3%42TRIM -28.3%Mar 31, 202613F
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$28.5 Mil7.3%12ADD +61.2%13F
Endeavour Capital Advisors Inc$5.9 Mil1.3%42TRIM -28.3%13F
Core Cache Last Updated: 11/5/2026