COMP <GO>

COSO vs MVBF // 10Y YIELD & FRED MACRO BETA

CoastalSouth Bancshares Inc. (NYSE) VS. MVB Financial Corp. (NASDAQ) • 15-METRIC TALLY: COSO 4 — MVBF 2

■ METRIC PARITY

LAST: $28.21 (-0.11%) • MKT CAP: $331.4M

macro-sensitivity

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LAST: $25.30 (-3.66%) • MKT CAP: $340.5M

macro-sensitivity

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (COSO VS. MVBF) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	COSO	MVBF	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	9.60%	0.00%	+9.60	COSO	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	18.67%	0.55%	+18.12	COSO	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	68.00%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	6.40%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	2.26%	-2.26	MVBF	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	6/9	5/9	+1.00	COSO	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	65.1	40.1	+25.00	COSO	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta ACTIVE	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	12.3x	—	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$331.4M	$340.5M	-$9.2M	MVBF	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	COSO REV	MVBF REV	COSO GROSS %	MVBF GROSS %	COSO FCF	MVBF FCF
FY 2025	$2.0M	$1.39B	—	—	$61.3M	$2.1M
FY 2024	$1.9M	$1.31B	—	—	-$14.1M	-$1.9M
FY 2023	—	$221.3M	—	—	—	$58.2M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

COSO // BETA —

MVBF // BETA —