CoastalSouth Bancshares (COSO) and The Competition Head to Head Analysis

CoastalSouth Bancshares (NYSE:COSO) is one of 20 public companies in the “State Commercial Banks – Fed Reserve System” industry, but how does it contrast to its peers? We will compare CoastalSouth Bancshares to similar businesses based on the strength of its institutional ownership, valuation, profitability, dividends, earnings, risk and analyst recommendations.

Insider & Institutional Ownership

72.2% of shares of all “State Commercial Banks – Fed Reserve System” companies are owned by institutional investors. 6.7% of shares of all “State Commercial Banks – Fed Reserve System” companies are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares CoastalSouth Bancshares and its peers gross revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
CoastalSouth Bancshares	$70.50 million	N/A	20.70
CoastalSouth Bancshares Competitors	$723.51 million	$95.99 million	39.62

CoastalSouth Bancshares’ peers have higher revenue and earnings than CoastalSouth Bancshares. CoastalSouth Bancshares is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for CoastalSouth Bancshares and its peers, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CoastalSouth Bancshares	0	1	1	0	2.50
CoastalSouth Bancshares Competitors	29	165	197	19	2.50

As a group, “State Commercial Banks – Fed Reserve System” companies have a potential upside of 4.96%. Given CoastalSouth Bancshares’ peers stronger consensus rating and higher probable upside, analysts plainly believe CoastalSouth Bancshares has less favorable growth aspects than its peers.

Profitability

This table compares CoastalSouth Bancshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CoastalSouth Bancshares	N/A	N/A	N/A
CoastalSouth Bancshares Competitors	7.23%	6.94%	0.79%

Summary

CoastalSouth Bancshares peers beat CoastalSouth Bancshares on 10 of the 11 factors compared.

CoastalSouth Bancshares Company Profile

CoastalSouth Bancshares, Inc. is a bank holding company headquartered in Atlanta, Georgia. Through our wholly owned subsidiary, Coastal States Bank, a South Carolina state-chartered commercial bank, we offer a full range of banking products and services designed for businesses, real estate professionals, and consumers looking for a deep and meaningful relationship with their bank. Today, we have a community banking presence in some of the fastest growing and most business-friendly markets in the U.S., namely the Lowcountry of South Carolina (Hilton Head Island, Bluffton, and Beaufort), nearby Savannah, Georgia, and the Atlanta, Georgia market. — In addition to our traditional community banking operations, we operate four specialty lines of business that provide scalability and diversification: • Senior Housing Lending – focuses on lending to operators across the spectrum of senior care, with an emphasis on assisted living; • Marine Lending – focuses on consumer loans primarily to high-net-worth borrowers secured by yachts and high-end sport fishing vessels; • Government Guaranteed Lending – focuses on origination of small business and other loans guaranteed by the SBA and USDA; and • Mortgage Banker Finance – focuses on mortgage warehouse lending to mortgage originators. By combining the relationship-based focus of a community bank with our specialty lines of business, we believe we can capitalize on the substantial growth opportunities available in our markets, particularly given the scarcity of community banks between $1.5 billion and $5.0 billion in total assets. Our principal executive offices are located in Atlanta, Georgia.