CoastalSouth Bancshares, Inc. (COSO) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
COSO financial screening at a glance
Calculation date: 2026-09-01. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Business exclusion flag
The supplied classification (Banks - Regional) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: 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 acquisition, development, and construction loans; income-producing and owner-occupied commercial real estate loans; senior housing loans; and commercial and industrial loans. In addition, the company offers retail loans, including residential mortgages, marine vessels, cash value life insurance line of credit, and other consumer loans, as well as loans held-for-sale. Further, it provides commercial treasury management services which includes balance reporting, transfers between accounts, wire transfer initiation, ACH origination and stop payments; senior housing lending, marine lending, and government guaranteed lending; warehouse lending; debit cards; and telephone banking. In addition, the company offers online banking solutions comprising access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions; direct deposits; cashier's checks; wire transfer services; automated clearing house services; and cash management deposit products consist of remote deposit capture, positive pay, zero balance accounts and sweep accounts. The company was founded in 2003 and is headquartered in Atlanta, Georgia.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 43.4% | |
| Net Margin | 31.6% | |
| Return on Equity (ROE) | 10.9% | |
| Return on Assets (ROA) | 1.1% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $63M |
| Free Cash Flow | $61M |
| Total Debt | $30M |
| Total Assets | $2.3B |
Price & Trading
| Last Close | $24.16 |
| 50-Day MA | $24.44 |
| 200-Day MA | $22.51 |
| Avg Volume | 95K |
| Beta | 0.1 |
|
52-Week Range
$19.24
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About CoastalSouth Bancshares, Inc. (COSO)
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 acquisition, development, and construction loans; income-producing and owner-occupied commercial real estate loans; senior housing loans; and commercial and industrial loans. In addition, the company offers retail loans, including residential mortgages, marine vessels, cash value life insurance line of credit, and other consumer loans, as well as loans held-for-sale. Further, it provides commercial treasury management services which includes balance reporting, transfers between accounts, wire transfer initiation, ACH origination and stop payments; senior housing lending, marine lending, and government guaranteed lending; warehouse lending; debit cards; and telephone banking. In addition, the company offers online banking solutions comprising access to account balances, online transfers, online bill payment and electronic delivery of customer statements, mobile banking solutions; direct deposits; cashier's checks; wire transfer services; automated clearing house services; and cash management deposit products consist of remote deposit capture, positive pay, zero balance accounts and sweep accounts. The company was founded in 2003 and is headquartered in Atlanta, Georgia.
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Frequently Asked Questions
Is CoastalSouth Bancshares, Inc. (COSO) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is CoastalSouth Bancshares, Inc.'s debt ratio?
CoastalSouth Bancshares, Inc.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are CoastalSouth Bancshares, Inc.'s key financial metrics?
CoastalSouth Bancshares, Inc. has a market capitalization of USD 289M in its listing currency, trailing P/E ratio of 11.2, and revenue of $81M. Return on equity stands at 10.9%.
How often is the screening data updated?
Calculation date: 2026-09-01. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.